Emva kokuba ababolekisi bathathe uMboleko, Yintoni elandelayo?
Ngetyala lomvuzo (okanye ukuhlawulwa kwetyala), wena uxanduva lwakho nakweyiphi na ityala elingenakuhlawulwa, kwaye umbolekisi unako ukuthatha inyathelo lokuqokelela - nangona emva kokubamba. Ngemali-mboleko engekho phantsi kwemali, ngokuchaseneyo, umboleki-mali akanakho ukhetho oluninzi, ngoko ibhanki ithatha ingozi enkulu.
Impahla yokuThengisa kunye neNtengiso
Nawuphi na isivumelwano semali-mboleko, uyavuma ukuhlawula ngokwexesha elichaziweyo.
Ngokomzekelo, i-mboleko yekhaya inentlawulo yenyanga leyo idla ngokudlulela iminyaka eyi-15 okanye engama-30. Ukuba uyeka ukwenza iintlawulo, ekugqibeleni ugqibelele kwimboleko . Ngokuxhomekeke kwimboleko yakho (kunye nomthetho welizwe), ababolekisi banokuba neenketho ezininzi zokuqokelela kwi-balance balance loan.
Thatha utywala: ukuba usebenzisa i-collateral ukuze ufumaneke, ababolekisi banokuthi bathabatha ixesha lokubambisa, bathengise kwaye basebenzise imali yokuzihlawula. Imizekelo eqhelekileyo yile nyathelo ibandakanya ukuchithwa kwemali mboleko kunye nokuhlaziywa kwemali-mboleko yemali engakhokhelwa .
Ukusilela: Ngelishwa, i-collateral ayihlali ihlawula yonke imali yakho yemali mboleko. Kwinqanaba, ipropati ingaba nexabiso elingaphantsi kwexabiso lemali-mboleko, ngokukodwa ukuba imarike yezindlu iyancipha ngenxa yokubolekwa kwemali-mboleko (eyaziwa ngokuba ngaphantsi kwamanzi okanye ukuhlaselwa phantsi ). Naliphi na ibhalansi engakhokhelwa-engayifaka iifizi kunye neentlawulo ezihambelana nokuchithwa okanye ukubuyisela kwakhona - ibhalansi yokusilela .
Ingaba okanye umenzi-mboleko angakwazi ukuqhubeka nokuzama ukuqokelela ukusilela kuxhomekeke ekubeni ingaba umbolekiso awuyiyo mboleko.
Akukho mvume: ukuba ityala alizange lihlawulwe ngetyala, umboleki-mboleko akayikho inhlanhla. Naluphi na ukulahleka kwemali kufuneka ibandakanywe ngumboleki (kuthathwa njengelahleko). Ngenxa yoko, iimali-mboleko ezingekho phantsi kwemali ziyimimiselo engaphezulu kakhulu yemali mboleko kubalimi.
Amabhanki ahlala anikezela ngemali-mboleko engeyiyo, kodwa azama ukulawula ingozi. Ngokomzekelo, unokwenza ukuba ube neenqaku eziphezulu zamatyala ukuze ufanele ukubolekwa kwemali-mboleko, okanye ababolekisi bangadinga imboleko encinane ukuba baxabise ama-ratios ukuze bazikhusele.
Imali Yemivuzo
Ukuba imali mboleko iyimali-mboleko yokuthenga, ababolekisi baqhubeke nokuzama ukuqokelela emva kokubambisa. Umboleki-mali angawunqoba ukugwetywa kwesigwebo, esona senzo somthetho esibavumela ukuba bathathe ezinye izenzo zomthetho. Imisebenzi eqhelekileyo ibandakanya:
- Iqoqo: umnini-mboleko unokunxibelelana nawe ukucela imali, okanye umnini-mboleko angathengisa ityala kwi-arhente yokuqokelela eya kuzama ukuqokelela
- Ukulungiswa: umboleki okanye i-arhente yokuqokelela inokufumana ilungelo lokuthatha imali ngaphandle kwentlawulo yakho (umqeshi wakho kufuneka akhokhe umbolekisi) de kube ityala lakho libuyiselwe
- Iirhafu: ababolekisi bangathatha ipahla ezingazange zenziwe njengezibambiso kwezinye iimeko. Umzekelo, ababolekisi bangakwazi ukuthabatha imali kwi-akhawunti yakho yebhanki okanye bafumane umdla kwimpahla onayo .
Le migudu yokuqokelela inemiqathango, ngoko uthetha nommeli wendawo ukuba ngababolekisi bazama ukuqokelela ngokusilela. Ngokomzekelo, ababolekisi banokuthatha kuphela inxalenye yomvuzo wakho, kwaye eso sabelo sincike kwiimeko zakho zezimali - ungabavumeli ukuba bathathe kakhulu.
Ngokufanayo, ababolekisi abanako ukuhlala bekhipha imali kwi-akhawunti yakho yasebhanki - unokwenza isibheno kwaye unciphise ukuba lufumaneka phi.
Ukuchonga iintlobo zemboleko
Ukudibanisa nommeli weengingqi okanye umcebisi weerhafu ukuba niqiniseke ukuba unemali-mboleko yomvuzo okanye umboleko ongewona umvuzo. Nangona kunjalo, ungasebenzisa ulwazi olungezantsi kwingxoxo.
Imithetho kaRhulumente isoloko ibonisa ukuba ngaba mboleko mboleko ngumvuzo okanye akukho. I-California iyayaziwa ngokuba yi-non-recourse state state loan that makes it difficult for the lenders to sue. Amanye amazwe anika ababolekisi ukuguquguquka kwindlela abaqhuba ngayo ukungalunganga, kodwa abaninzi ababolekayo bakhetha ukuba bangamangaleli ngenxa yokuba abantu abanokubakhokelela ekutheni ababolekiyo bavame ukuba baninzi.
Ukuthenga iimali-mboleko zokuhlala kwakho okuphambili kunokwenzeka ukuba ungekho-mboleko mboleko kwi-non-recourse.
Ukuhlawulwa kwemali , ukubolekwa kwemali yesibini kunye neentengo " zokukhangela imali" zivame ukudala iimali-mboleko zemali (mhlawumbi ukuba unayo imali ngaphambili).
Ngamanye amagama, ungathenga indlu kunye nemali-mboleko yokuqala ayiyi kuxolelwa ngamatyala-kodwa nayiphi na imali ehlawulwayo oyisebenzisayo usebenzisa inkokhelo efanayo.
Imali yeMali kunye neMirhafu
Xa kwenzeka ukuba ungagqibekanga, umthwalo wakho werhafu unokuxhomekeka ekubeni ingaba unayo imali yomvuzo. Ingcali yethu yerhafu ichaza le micimbi kwinqaku layo: Ukukhawuleza kunye neerhafu . Kwakhona, kubalulekile ukuthetha nomcebisi werhafu wendawo ngaphambi kokufakela ukuze ufumane zonke iinkcukacha ngokufanelekileyo.
I-non-recourse yebhanti iindaba ezilungileyo xa kuziwa kwizenzo ezinqamlekileyo ababolekiweyo abanokuzenza. Ngelishwa, unako ukufumana ibhilikhi yentela engalindelekanga ngenxa yesikweletu esingenakuhlawulwa.