Ngokucacileyo, ukuhlawula imali mboleko ngemali evela kwenye imithombo kuvumela uMariya ukuba agcine ikhaya.
Kwamanye amazwe, kukho kwakhona ilungelo elisemthethweni lokuhlengwa, ukubonelela ixesha elithile apho, emva kokuvalwa, umnini unakho ukuhlawulela ipropati ngokuhlawula zonke iimfuno kunye neendleko.
Mortgage
Xa uthenga indlu ngokuhlawula imali endaweni yokuhlawula ngokugcwele, uya kukhangela imali mboleko, okanye imali yokuthenga. Imboleko iqinisekiswe yipropati. Ngamanye amagama, ukuba awuyi kuhlawula njengoko kuvunyelweneyo, umboleki-mali angathatha loo propati aze ayithengise ukuze abuyisele imali. Ngamanye amaxesha ababolekisi banokuphinda baqokelele, kodwa kaninzi abanakho. Le mihla, ezininzi iimali zokugcina imali ziqinisekisiwe inxalenye okanye ngokugcwele zikarhulumente okanye i-quasi-government entities ezifana ne-FHA, i-Federal Housing Administration, uFannie Mae , u- Freddie Mac kunye ne- USDA .
Isiqinisekiso sikaRhulumente sinceda abantu bakwazi ukufumana iimali-mboleko abangazange bafumane ngaphandle kwee-insurances ezenziwe kumboleki.
Kwakhona kuqinisekisa ukuba umnini-mboleko uzakufumana inxaxheba okanye ukhululeke ngokupheleleyo xa umbolekayo engenzi. Ababoleki kufuneka bafezekise iimfuno ezithile zesiqinisekiso, ezinye zazo zizindlela abafanele ngayo umbolekekisi, kunye neemfuno abazibekayo kumboleki ukufumana mboleko. Imizekelo yintlawulo ephantsi kunye neemfuno zeemali zemali.
Xa Izinto Zihambile
Xa umntu obolekayo ebaleka kwiingxaki zemali kwaye akakwazi ukugcina iintlawulo zemboleko, umbolekisi uya kuthi, ngexesha elithile, enze isicelo sokuhlawula ngokupheleleyo okanye "ukukhawuleza" ukuthenga imali. Oku kuthetha ukuba umntu obolekayo kufuneka abambelele kwiintlawulo okanye ahlawule yonke imali ngokugcwele ukukhusela ukuchithwa.
Ukuba umboleki-mali unika imfuno yokuhlawula ngokugcwele, umbolekayo unokufuna omnye umthombo wezemali aze ahlawule ngokugcwele ngokupheleleyo, kunye nomdla kunye nezohlwayo. Ewe, ukuba umntu obolekayo unenkathazo yezemali, akunakwenzeka ukuba uya kufumana umthombo wemali ukumnceda ahlawule umboleko. Ukuba umntu obolekayo unokufumana imali, nangona kunjalo, "unokuyikhulula" loo propati.
Ezinye iimeko zivumela ukuba ababoleki babuyele emva kokungena okanye ukuhlawulwa kweerhafu nokuhlawula imali kwiimbuyiselo zokubuyela ekhaya. Ixesha lokuhlengwa linokuhlala ixesha elidlulileyo kwiinyanga okanye ezimbalwa kwiimeko ezithile. Oku kukho into abatyali-mali kufuneka baqaphele, ingakumbi ukuba bayazikhethela ekuthengeni izakhiwo eziqingqiweyo okanye ezithathiweyo. Kwimihlaba apho abathengi banelungelo lokuhlengwa, kuhlale kukho umngcipheko wokuba bangene nemali yokubuyisela amakhaya abo.