Imboleko yintlawulo yemali oyibolekayo ngokulindela ukuyibuyisela yonke into kanye okanye ngaphezulu kwexesha, ngokuqhelekileyo inomdla. Iimali zisoloko ziyimali echanekileyo, njenge-$ 5,000 okanye i-$ 15,000. Inani elichanekileyo lemali mboleko kunye nomyinge wenzalo uyahluka kuye kuxhomekeke kwingeniso yakho, ityala, umlando wesikweletu kunye nezinye izinto ezimbalwa. Kukho iintlobo ezahlukeneyo zemboleko obolekayo. Ukukwazi ukukhethwa kwemali mboleko kuya kukunceda wenze izigqibo ezingcono malunga nohlobo lomboleko omele udibane neenjongo zakho.
Imali-mboleko eValiwe ngokuVala
Iimboleko ezivulekileyo zibolekelwe ukuba uboleka ngaphaya kwexesha. Amakhadi okuthenga ngetyala kunye nemigca yemboleko yintlobo eziqhelekileyo zemali-mboleko evulekile. Zomibini zale mboleko zinomda weekhredithi owona mlikhulu omkhulu onokuboleka ngexa elinye. Ungasebenzisa yonke into okanye inxalenye yesilinganiso semali yakho ngokwemiqathango yakho. Njalo xa uthengwa, i-credit card yakho iyancipha. Njengoko uhlawula iintlawulo, ukunyuka kwakho okukhoyo kukuvumela ukuba usebenzise i-credit enye ngokukhawuleza njengoko uhlala ngokwemiqathango.
Iimboleko ezivaliweyo ezivaliweyo ziyimali-mboleko yexesha elilodwa elingenakuboleka kwakhona xa libuyiselwe. Njengoko uhlawula iimali-mboleko ezivaliweyo, umlinganiselo wemali mboleko uhla. Nangona kunjalo, awunayo nayiphi na i- ngxowa -mali enokuyisebenzisa kwiimali-mboleko ezivaliweyo. Kunoko, ukuba ufuna ukuboleka imali emininzi, kufuneka ufake isicelo somnye umboleko kwaye uphumelele kwinkqubo yokuvunywa kwakhona.
Iintlobo eziqhelekileyo zemboleko ezivaliweyo ziquka iimali-mboleko zokubolekwa kwemali, iimali-mboleko zemali, kunye nemali mboleko.
Iimali eziKhuselekileyo nezingaphephile
Iimali-mboleko ezikhuselekileyo zibolekiweyo abathembela kwi-asethi njengemali yokuboleka imali. Xa kwenzeka ukungahlawulwanga kwemali mboleko, umboleki-mali angayithatha i-asethi kwaye ayisebenzise ukuhlawula imali mboleko. Imilinganiselo yemingalo yemali-mboleko ekhuseleyo ingaba isezantsi kuneleyo yemali mboleko engakhuselekanga.
I-asethi ingadinga ukufundwa ukuba iqinisekise inani layo ngaphambi kokuba uboleke imali ebolekileyo. Umboleki-mali angakuvumela ukuba ubolekise kwixabiso lempahla. Umboleko wetyala ngumzekelo wemboleko ekhuselekile.
Imali-mboleko engakhuselekanga ayifuni i-aseset ye-collateral. Ezi mboleko zingenokuba nzima kakhulu ukuba zifumane kwaye zibe neerhafu eziphezulu . Imali-mboleko engaqinisekanga ithembele kuphela kwimbali yakho yematyala kunye nengeniso yakho ukufumana ilungelo lokuboleka imali. Ukuba ungekho phantsi kwemboleko engaqinisekisiwe, umboleki-mboleko kufuneka aphephe ukukhetha okuqokelelweyo kubandakanya abaqokeleli beetyala kunye nokugweba ukubuyisela imali mboleko.
Iimali eziqhelekileyo
Xa kuziwa kwiimali-mboleko zemali-mboleko, igama elithi "mboleko yesiqhelo" lisetyenziswa rhoqo. Iingxowa-mboleko eziqhelekileyo yizo ezingagcinwanga yi-arhente karhulumente njenge-Federal Housing Administration (FHA), iNkonzo yeZindlu zaseRural (RHS) okanye i-Veterans Administration (VA). Iingxowa-mboleko eziqhelekileyo zingahambelana, oku kuthetha ukuba zilandela izikhokelo ezibekwe nguFannie Mae noFreddie Mac . Imboleko engahambelaniyo ayidibana noFannie noFreddie iziqinisekiso.
Imali Yokugwema
Ezinye iintlobo zemboleko kufuneka ziphetshwe ngenxa yokuba zizilwanyana kwaye zixhaphaze abathengi. Iimali-mboleko ze-Payday zibolekwe ngemali -mboleko yesikhashana ngokusebenzisa i-paycheck yakho elandelayo njengesiqinisekiso semboleko.
Imali-mboleko ye-Payday iye yaqaphela ixabiso lepesenti ngonyaka (APRs) kwaye kwaye kunzima ukuhlawula. Ukuba unesigxina semali, khangela ezinye iindlela ngaphambi kokuthatha imali mboleko yemini yemivuzo.
Imali-mboleko yemali engaphambili-mali ayikho imali ebolekileyo. Enyanisweni, baqhwaba ukukukhohlisa ukuba bakhokhe imali. Imali-mboleko yokuhlawulwa kwangaphambili isebenzisa amaqhinga ahlukeneyo ukuze aqinisekise aboboleki ukuba bathumele imali yokufumana imali mboleko, kodwa bonke bafuna ukuba umntu obolekayo akhokhe umrhumo ongaphambili ukuze afumane imali mboleko. Emva kokuba imali ithunyelwe (ngokuqhelekileyo ifakwe i-wired), "umboleki" uyalalalala ngaphandle kokuthumela imali mboleko.