Izinketho zokutshintsha Abboleki
Kunokwenzeka ukuba igama lomntu likhishwe kwi-mortgage, kodwa inkqubo inzima kakhulu. Oku kusebenza kuyo nayiphi na umboleki oyintloko kunye nabathathi-nziselwano abaye banceda umntu obolekayo ukuba avunywe.
Ukuze wenze utshintsho olusemthethweni kwi-mortgage (okanye uhlawule ngokupheleleyo), wonke umntu uya kuba noxanduva lokuboleka imali, kwaye elo tyala liya kunciphisa amandla abo okufumana ezinye iimboleko .
Umngeni
Ababoleki abanqwenela ukuthatha igama lomntu ngaphandle kwemali mboleko. Xa bevuma imboleko, babheka amanqaku ekhredithi kunye ne ngeniso yababo bobabini ababolekayo. Ngokukodwa xa kuziwa kwimali-mboleko yasekhaya, kuninzi imali engenayo ifunekayo ukuze kufumaneke ityala eliyanelisayo kwinani lentlawulo (ngamanye amazwi, abantu abaninzi banenkinga enkulu yokufumana imali yokubolekwa kwemali kwizindlu zentsapho ngokwabo).
Bonke abolekayo bangama-100% abajongene netyala-akuyi 50/50 kwimboleko edibeneyo. Ukuba umntu obolekayo akakwazi ukuhlawula nayiphi na isizathu (nokuba lubunzima bezemali okanye omnye wabbolekayo uyafa), omnye umntu obolekayo kufuneka agcine iintlawulo zangoku okanye ahlawule umboleko. Ukuba ngababolekisi basusa nje igama, bandisa ingozi yabo kwaye banike umntu umntu okhululekile "ngaphandle," apho iibhanki ziyanqwenela ukwenza.
Ngelishwa kubaboleki-mali, ababolekisi babone umfaki sicelo ngamnye ithuba lokuqokelela ngemboleko.
Unokucinga ukuba "yethu" mboleko (kunye nakwiimeko zokuqhawula umtshato, umzekelo, akukho "us"), kodwa isivumelwano sakho semali-mboleko asiyiyo loo ndlela. Nangona isivumelwano somtshato sichaza ukuba lakho elide lijongene netyala, ababolekisi banakho ukuqokelela kuwo wonke umntu owenze isicelo .
Abatshatileyo abangabelana nabo bangabelana nemiphumo yomthetho ngokuhluleka ukulandela imiyalelo yenkundla, kodwa awukwazi ukutshintsha isivumelwano esikhoyo semali-mboleko.
Indlela Yokufumana Igama Elikususwe
Kukho iindlela ezininzi zokufumana igama elikhutshwe kwi-mboleko.
Cwangcisa kwinkqubo ethatha iiveki ezimbalwa kwaye iquka iphepha elibalulekileyo, kodwa ngokuqinisekileyo, uya kukwazi ukubeka mboleko emva kwakho.
Buza iLender yakho
Qala ngokucela i-lender yakho yangoku malunga nokutshintsha umboleko. Awuyi kuyenza yonke into kwifowuni enye, kodwa unokufumana ukuba kunokwenzeka ukuba ugcine umboleko okhoyo kunye nomboleki omncinane. Ukuba kunjalo, nabani na ababolekileyo (abo abangabanjwanga ngamagama) baya kufuneke ukuba bafaneleke ukubolekisa ngemboleko. Abo babolekayo bafuna inkokhelo enhle kunye neengeniso ezaneleyo ukuze benze iintlawulo ngokukhawuleza, kwaye kuya kufuneka badlule kwinkqubo yesicelo efana neyokuqala xa ufumana mboleko . Ukuba isicelo sakho sivunyiwe, umboleki-mboleko angakunika ukukhululwa kwemfanelo (esetyenziswa rhoqo kwiimeko zomtshato).
Ukuhlaziya iMali
Ukuba umboleki wakho wangoku angeke asebenze nawe, zama ukuhlaziya umboleko . Ukwenza njalo, uya kufaka isicelo semali mboleko entsha kwaye usebenzise loo matyala ukuhlawula ityala elidala. Umntu onoxanduva lokubolekisa imali kufuneka afake isicelo somntu ngamnye kwaye uya kufuneka ukuba afumaneke ngenzuzo eyaneleyo kunye netyala.
Abanye ababolekisi bangaphinda bazimisele ukuvuma imboleko, kwaye unokwazi ukujonga iinkqubo ezifana ne-FHA mboleko (ezinokuthi zibe namazinga afanelekileyo wokuvunywa xa kuziwa kubukhulu bakho bokuhlawula kunye neengxelo zemali-mboleko).
Ukuba u ngaphantsi kwamanzi
Ukuxhaswa kwemali kunzima kakhulu xa ikhaya lakho lixabisa ngaphantsi kunokuba unetyala, okanye ukuba unobulungisa obuncinane ekhaya . Ababolekisi abaqhelekileyo baneemfuno eziqinileyo zemboleko ukuze baxabise amaxabiso , kwaye awuyi kuhlangabezana nabo ngaphandle kokuba ubhale isheke esikhulu. Ngethamsanqa, kukho iinkqubo ezininzi zokurhoxisa urhulumente ezinokukunceda ukuba ufumane imali-mboleko entsha - qiniseka ukuba unokufumana imali ehlawulwa phantsi komboleki oyifunayo ngaphambi kokuba wenze yonke iphepha.
Ukuxhaswa
Kungenzeka ukuba uthumele umboleko kumboleki ohlukile. "Iimali-mboleko" ezinokuthenjelwa zinika le nto, kodwa ezininzi iingxowa-mboleko zingenakwenzeka.
Ukuba uboleke nge-FHA okanye i-VA, unakho ukukwazi lokhu - kodwa kuyafaneleka ukubuza, kungakhathaliseki ukuba ulibolekephi.
Thengisa ipropati
Ukuba akukho nanye yeendlela ezingasentla isebenza kuwe, unokufuna ukuthengisa impahla kwaye usebenzise intengiso yokuhlawula umboleko. Oku kunokubangela ukuphazamiseka kuwe okanye kwintsapho yakho, kwaye kunokuba kunzima ukuthengisa xa ungaphantsi kwamanzi, ngoko cingisisa kwaye ufumane uncedo lwabaqeqeshi bezindlu zangaphandle ngaphambi kokuba wenze isigqibo.
Iindleko
Zonke iinketho ezingentla zibandakanya iintlawulo, ngoko uvavanye ezinye iindlela ngaphambi kokuba ukhethe, kwaye ugqibe ukuba ngubani oza kuhlawula iifizi. Nangona uthengisa ipropati kwaye ufumana imali, iirhafu ze-ajenti ye-estate kunye nezinye iindleko ziyakunciphisa ukuthatha kwakho. Phakathi kwezikhetho ezidwelisweyo, ukukhululwa kweemfanelo okanye ukuhlawulwa kwemali mboleko mhlawumbi kufikeleleke kakhulu - baya kukunceda ukuba ugweme iindleko zokuvala ezinxulumene nokuhlengahlengiswa.
Ibali elifanayo kwi-Co-Signers
Zonke ezi zingentla ziqinisile kubabhali be-co-sign on a mortgage. Njengombhaliselwano, u-100% uxanduva lokubolekisa imali, kwaye ababolekisi abafuni ukukuvumela ukuba ukhuphe. Thetha kumboleki oyintloko malunga nokuhlengahlengisa, kwaye khumbula ukuba ikusasa labo libophelelwe yikho.
Ngeemali-mboleko (iimali-mboleko zabafundi, ngokukodwa), kulula ukufumana umlingani-mvume-mboleko emva kwemali yexesha-ntlawulo. Nangona kunjalo, iimali-mboleko zasekhaya aziboneli izinto ezifanayo.
Yeka Iimfuno Zemfuno
Umyalelo wokuyeka umsebenzi awuyi kususa igama lomboleki kwi-mortgage. Ngomthetho wokufaka isicelo sokuyeka, umnini unako ukudlulisela onke amalungelo okuba ngumnini umntu, kodwa naziphi na izivumelwano zemboleko zingaguquki (ukunikela ubuni akuthethi ukuba unika uxanduva lokuhlawula). Ngenxa yoko, ukuyeka ukufaka isicelo sebango kunokushiya umbolekayo kumbi kakhulu - banetyala kwipropati, kodwa abasenayo inzala yobunini kuyo.
Ulwazi olubalulekileyo
Ulwazi olulandelayo kweli phepha luyisiseko kwaye alukwazi ukuthathwa njengeengcebiso zomthetho okanye zezezimali. Thetha nommeli wendawo oqhelekileyo kwimeko yakho ngaphambi kokuba wenze nayiphi na iinqununu zemali.