Ngelishwa, akukho mpendulo ye pat ngenxa yokuba ukhetho oluhle kuwe luxhomekeka kwimeko yakho, uhlobo lwepropathi ofuna ukuyithenga kunye nendlela amaxabiso omboleki abhathele ngayo phakathi kwentlalo yoluntu.
Unokufumana mboleko kwimithombo eyahlukeneyo njengale:
Mortgage Brokers
Phantse i-25% yazo zonke iimali-mboleko zendawo yokuhlala ezenziwe eMelika zivela kubathengi bemali. Eli phesenti liye lahla kwisiqingatha ukususela ngo-2006. Umthengisi wemboleko ngumntu ophakathi-mali ozisa ababolekisi nabbolekayo. Umthengisi weekhredithi ngamanye amaxesha ungabhasela ngemali yebhanki, kodwa akusibo bonke abanini bemali ababolekisiweyo.
Abathengi bemali nganye basebenza nabathengisi abahlukeneyo, ngamanye amawaka ngamakhulu. Kubalulekile ukubuza malunga neentlobo zeemveliso ezinikezelwa njengoko oku kuya kutshintsha kumthengisi ukuya kumthengisi. Izinketho zakho zixhomekeke kwinani lomthengisi lobudlelwane bokusebenza.
- Imirhumo iyahlawulwa ngumthengi okanye umboleki okanye zombini.
- Imali kwi "par" ithetha ukuba umthengi akahlawuli ntlawulo.
- Abathengi bemali-mboleko banokusebenza njengabathengi bemali mboleko, oku kuthetha ukuba baya kuxoxisana ngqo nomthengi ngokutshintshisana nokuthengwa kwexabiso lentlawulo ephantsi (intengiso).
Abanini bemali bentengiso
Abanini bebhanki bentengiso, njengoko usenokuba uqikelele, sebenzela ibhanki. Bangabela ngaphezulu kwebhanki enye, kodwa iimali-mboleko abazenzayo zibolekwe yibhanki, ezixhaswa ngebhanki.
- Imirhumo ayinakuthethathethwano kwaye isetyenziswe ngumgaqo-bhanki.
- Imveliso yokubolekisa iyancinci kulawo mabhanki anikezelayo.
- Ibhanki ayinakufumana ilayisenisi baninzi abafunekayo ukuba babhalise kwi-registry.
Ibhanki yezorhwebo
I-Citigroup, iBhanki yaseMelika kunye ne-Wells Fargo ziyimimiselo emihle yeebhanki zorhwebo eziyaziwayo. Ibhanki yezorhwebo inikezela ngeenkonzo ezahlukeneyo. Enyanisweni, mhlawumbi unobhanki olunjengeli ndawo.
- Umthombo oyintloko wemashishini awukwenzi imali yokuboleka imali.
- Ixabiso leBhanki liyakhuphisana .
- Ibhanki yakho inokunikela isaphulelo okanye isikhuthazo kwimboleko yakho xa ugcina i-akhawunti yokujonga okanye yokulondoloza kweso sikhungo.
IziNkxaso zoLondolozo neMali
Ukulondolozwa kunye nokubolekwa kwemali-mboleko kwamkela iifomethi ezivela kubathengi kwi-akhawunti yokugcina imali / imali kunye nokuhlawula inzala kula ma-akhawunti. Ukuthintela ukuphindaphinda kwakhona njengenkathazo ye-S & L kuma-1980, uMongameli Bush ngo-1989 wasayina i-Financial Institutions Reform, Ukubuyiswa, kunye nokuQinisekisa uMthetho ka-1989 (i-FIRREA). Ukugcinwa kwamatyala kunye nokubolekwa kwezinto ezininzi ngoku kulawulwa yiSebe le-US Treasury, i-Office of Thrift Supervision.
- Umthombo oyintloko wezoshishino wenza iimali-mboleko zendawo yokuhlala.
- Ukugcinwa kwemali kunye nemali mboleko kungenzi ishishini okanye iimali-mboleko zorhwebo kodwa kuboleke ukwakhiwa, ukuthenga okanye ukuphucula ikhaya.
- Inkqubo yokufumana imboleko yinto elula kunokuba ihambe kwibhanki yoshishino .
Iimanyano zetyala
Ezi ziko zihlaselwa rhoqo ngetyala lokuncintisana ngenxa yokuba iimanyano zetyala zingakhokheli irhafu yentlawulo kwaye zizonwabela iintlawulo ezithile zerhafu ezinye iindawo zokubolekisa. Ziyakhelwe iqela labantu abanomdla ofanayo kunye noorhulumente karhulumente kunye nabasebenzi bemfundo yoluntu okanye amaqela enkolo.
- Abaxhamli kufuneka bafikelele kwiimfuno zokuba babelungele ubulungu.
- Amanani omdla kunye nemigangatho yinto enqwenelekayo kwaye ikhuphisana.
- Iimanyano ezininzi zeentengo zemboleko azithengisi iimali ezibolekwa ngemali kwimarike yesibini .
Private Private
Nabani na imali ebhankini banokwenza i-loan ye-real estate kuwe xa nje behambisana nemimiselo yomgaqo-nkqubo kunye nombuso malunga nezinto ezinjengamanani entengo, iirhafu kunye neentlawulo, kunye nokubonelela ngokusemthethweni.
Ukuthengiswa kwemali kunye nababoleki be-intanethi
Unokumangaliswa ukuba ufunde ukuba inkampani ekuphatha i-IRAs okanye i- joint funds okanye ukugcinwa kwe-intanethi yenza nokwenza imali mboleko . Ambalwa ambalwa alulawayo ayenziwa yiNkunzi eyodwa, uCharles Schwab, kunye neDitech.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.
- Umthengisi angakwazi ukuthwala izixhobo ezixhasayo zokuxhaswa ngemali ezifana ne-mortgage, de trust or contract contract .
- Akukho nkcazo okanye umgaqo- titshala ungafuneka, kodwa kufuneka ufumane uvavanyo lokuhlola kunye nentloko.
- Uxhasomali lwabanikazi lusebenza kakuhle kwiipropati ezikhululekile kwaye zicacileyo kuba umboleko okhoyo oza kubakho i- clause yokuhlukanisa.
- Ukuba ufuna ukudibanisa izandla kunye negosa lakho lemali mboleko kumntu, umboleki we-intanethi angeke abe ngawe.
- Ababolekisi be-intanethi kubonakala bebenzela ngcono ababolekayo abanokwakheka ngeenqaku elikhulu zeFICO abazi kakuhle oko bafuna.
- Ukudibanisa kuphela iinkampani ezihloniphekileyo neyaziwayo ezineziza ezikhuselekileyo, kwaye uhlale kude nabasebenzi be-fly-by-night.