I sigama
Okokuqala, masichaze isigama esetyenziswayo. Ukwahlukeka kweelwimi kuninzi kwindawo. Amanye amazwe asetyenziswa igama elithi "escrows", ngelixa abanye basebenzisa igama elithi "impounds". Le nto yinto efanayo kwaye loo mazwi aya kusetyenziswa ngokungahambisani nolu qhokelo.
Into yokuqala ukuyiqwalasela kwaye igxininise kukuba imali eya kwiakhawunti yecala ayikho indleko yokwenza imali mboleko. Yimali yakho. Kuya kusetyenziswa ukuhlawula irhafu yakho yepropati kunye ne-inshurensi yakho.
Ekugqibeleni kwemboleko mboleko, ingaba uhlaziye okanye uthengise ipropati, ufumana nayiphi na imali eseleyo kwi-akhawunti. Umboleki uyafuneka ukuba akuthumele isheke ngaphakathi kweentsuku ezingamashumi ayisithupha zemali mboleko.
Nangona i-akhawunti yenkomfa yenzelwe ukukhusela umboleki-mali, inokuba luncedo kumboleki.
Ngokuhlawula iindleko ezinkulu zezindlu zetikiti unyaka wonke, ababolekayo bagwema ukutshitshiswa komthi wokuhlawula iindleko ezinkulu kanye okanye kabini ngonyaka kwaye baqinisekiswa ukuba imali yokuhlawula loo mabhili iya kuba khona xa ifuna.
Kubaboleki abahlawulileyo abaphantsi , i-akhawunti ye-escrow ayinakukhetha.
Ukusukela ekubeni ababolekiweyo abahlawulileyo bathathwa njengengozi ephezulu ngenxa yesigxina sabo esingaphantsi kwipropati, ababolekisi bafuna inqanaba lokuqinisekisa ukuba urhulumente akayi kubamba ipropati ngenxa yokungahlawulwanga kweerhafu zepropati, kwaye ababolekayo bawine ' bangaba ne- inshorensi yabanini kwimeko apho ipropati yonakaliswe.
Ngamanye amagama, ukuba ubeka ngaphantsi kwe-20% phantsi unokulindela ukuba UFUNYWE ngumthengisi wakho wemali mboleko ukuba ube neakhawunti ye-escrow.
Ziziphi iindleko zokuhlawulwa kwangaphambili (i-Escrows kunye ne-Impounds)
I-prepaids iindleko okanye izinto umthengi ohlawula ngazo ekuvaleni ngaphambi kokuba asebenze ngokufanelekileyo. Ziyimfuneko ukudala i-akhawunti yokukhawuleza okanye ukulungisa i-akhawunti ye-escrow ekhoyo.
I-Prepaids ingabandakanya iirhafu, inshuwalense yengozi, i-inshurensi yangasese kunye neemvavanyo ezizodwa
I-akhawunti yempembelelo (ebizwa ngokuba yi-akhawunti ye-escrow, kuxhomekeke apho uhlala khona) yinkcazo egcinwe yinkampani yokubolekisa imali ukufumana i-inshurensi kunye nentlawulo yerhafu efunekayo ukuba ugcine ikhaya lakho, kodwa ayingekho ingxenye ye-mortgage.
Umboleki-mali uhlawula iindleko zonyaka zontlobo nganye yinshurensi kwisixa senyanga kwaye uyongezela kwingxowa yakho yokuboleka imali.
Iingqungquthela Zakho Zithinta njani iCash yokuVala
Idiphozithi yakho yokupaka iya kuhluka ngohlobo lonyaka apho uvale umboleko wakho ngokuthelekiswa nenyanga apho iirhafu zakho zepropati zifuneka.
Ukuba uvale ngemboleko ngoFebruwari, awuyi kuyenza intlawulo yakho yokuqala kuloo mboleko kuze kube ngu-Apreli kuqala. Ukuba iirhafu zakho zepropati zifuneka ngoJanuwari ziya kuhlawulwa nje. Oku kuthetha ukuba idiphozithi yokuqala yohlwayo iya kuba yincinci.
Umboleki wakho unexesha elininzi lokuqokelela izihlwele ngaphambi kokuhlawula okulandelayo.
Kwipropati eyi-$ 500k, malunga ne-$ 2000 yeentlawulo zepropati nakwindawo yerhafu yengundoqo, kwaye ukuba i-inshurensi yakho i-$ 1200 ngonyaka, kuya kufuneka ufike enye i-$ 400. I-2400 yee-akhawunti kwi-akhawunti.
Abanini-bhorensi bakho basekhaya bahlala behlawulwa ngokugcwele kunye neenyanga ezimbini ukuba uthenga indlu.
Ukusebenzisa imali efanayo yemali eyi-500 000 yemali mboleko, mhlawumbi uvale ngokucocwa ngo-Oktobha. Uqale uthenge ngoFebruwari. Uza kwenza ezimbini iintlawulo (ngoDisemba noJanuwari) ngaphambi kokuba i-inshurensi ihlawulwe, ngoko ke umyinge wakho wenyunithi yomshuwalense yedwa i-R 1000 i-inshurensi.
Uya kufuneka ufike nge-$ 3000 ukuhlawula isahlulo sokuqala serhafu yakho yepropati, kunye neentlawulo ezimbini ngaphambi kokuba isiqingatha sesibini sibangelwe, enye enye imali ye-3000, okanye iinyanga ezintandathu. Ixabiso elipheleleyo, i-$ 7000.
Isamba semali esicwangcisiweyo sabantu ababolekayo baqikelela ukuba intlawulo yabo yenyanga iqhutyelwe utshintsho - le ngenye yezona zinto zikhulu kakhulu ngeengxelo eziphambili. Ukususela ekubeni i-inshorensi yabanini kunye neerhafu zepropati ziya kutshintsha, ixabiso lentlawulo yenyanga liyakwazi ukuguquka.
Kwabaninzi abanini-makhaya, iimpahla ezibanjwayo ziyimfuneko ebalulekileyo.
Ngaphandle kwabo, ababolekisi bangenako ukukulungele ukunika imali mboleko kumboleki ngeentlawulo eziphantsi.