Abanye Abboleki Bomeleza iSicelo
Kutheni Ufaka Isicelo Ngokubambisana?
Ingeniso engaphezulu: ukwandisa ingeniso efumanekayo yokubuyiselwa imali mboleko kudla ngokuba yisona sizathu esibalulekileyo sokufaka isicelo semboleko ngokubambisana.
Ababolekisi baqhathanisa ukuba baninzi ababolekayo bafumana inyanga nganye kwiintlawulo ezifunekayo ngenyanga nganye mboleko. Eyona ndlela, iintlawulo ziya kudla kuphela inxalenye encinci yengeniso yakho yenyanga (ababolekisi balinganisa ityala kwinani lentlawulo ukugqiba ). Xa iintlawulo zinkulu kakhulu, ukongeza omnye umboleki ofumana umvuzo unokukunceda ukuba uvumeleke.
Ikhredithi engcono: umboleki ongezelelweyo unokuncedisa ukuba unetyala lekhredithi . Ababoleki banqwenela ukuboleka abobolekayo ngembali emide yokuboleka nokubuyisela (ngexesha). Ukuba unako ukufaka umlinganiselo onamandla okhredithi kwisicelo sakho sembolekiso, unethuba elingcono lokufumana imvume.
Iimpahla ezingaphezulu: ababolekisi abambene nabo banokuzisa ixabiso kwitafile. Basenokubonelela ngemali eyongezelelweyo ngenkokhelo enkulu (kunye nababolekisi banokudambisa "izipho" kubangewona abobolekayo, ingakumbi kwimali-mboleko yemali mboleko), okanye banokubambisa ukuba banamalungelo abo ukuze bancede bafumane umboleko.
Ubunikazi bobudlelwane: kwezinye iimeko, kunengqiqo kubbolekayo ukuba basebenzisane ngokubambisana.
Ngokomzekelo, isibini esitshatileyo sinokujonga yonke impahla (kunye namatyala) njengezinto ezidibeneyo. Bakuyo kunye, kuba ngcono okanye ngakumbi.
Imali-mboleko yokudibanisa ngokubambisana kunye noTyikityo-mali
Ngeemali-mboleko ezidibeneyo kunye nemali mboleko echanekileyo, omnye umntu unokukunceda ukuba ufanele ukuboleka imali. Banoxanduva (njengokuba wena) ngenkokhelo, kwaye iibhanki ziziva zikhululekile xa kukho umntu omnye kwiholo lokubolekisa.
Oku kuhambelana okuphambili: bobabini abakhomi kunye nababolekisi bobabini bangama-100 ekhulwini abanomthwalo wemboleko. Nangona kunjalo, iimali-mboleko ezidibeneyo zihlukile kwiimali-mboleko eziqeshwe kunye
Amalungelo aseCosigner: umququzeleli unembopheleleko , kodwa ngokubanzi akanalo amalungelo okuthengwa kwepropati ngemali ebolekwa ngemali mboleko. Ngomboleko odibeneyo, wonke umntu obolekayo unakho (kodwa kungekho njalo) umnini wento enithengayo ngemboleko. Abaqhagamshelana nje bathatha yonke ingozi ngaphandle kweenzuzo zobunini. Abaphathiswa abanalo ilungelo lokusebenzisa ipropati, bazuze kuyo, okanye benze izigqibo malunga nepropati.
Imiba yoBudlelwane
Ubudlelwane phakathi kwababolekayo kubalulekile xa ufaka isicelo somboleko odibeneyo. Abanye ababolekisi baphuma kuphela ngemali mboleko edibeneyo kubantu abadibeneyo ngegazi okanye umtshato. Ukuba ufuna ukuboleka nomnye umntu, zilungele ukuzingela encinane indawo yokuhlala. Abanye ababolekisi bafuna umboleki ngamnye ongabandakanyekanga ukuba afake isicelo somntu ngamnye-oko kwenza kube nzima ukufumana iimali-mboleko ezinkulu.
Ukuba awutshatile umboleki wakho, qiniseka ukuba ufake izivumelwano ngokubhaliweyo ngaphambi kokuthenga impahla ebiza. Xa abantu beqhawula umtshato, iinkqubo zenkundla zenza umsebenzi ocacileyo wokuhlula impahla kunye noxanduva (nangona kunjalo akusoloko kunjalo).
Nangona kunjalo, ukufumana igama lomntu kwi-mortgage kunzima . Ukuhlukana okungekho sikweni kunokutsala ixesha elide kwaye kube nzima xa ungenayo izivumelwano ezicacileyo kwindawo.
Ngaba Umboleko Odibeneyo Uyimfuneko?
Khumbula ukuba inzuzo enkulu yomboleko odibeneyo kukuba kulula ukufumana iimali-mboleko xa udibanisa imali engenayo kwaye ungeze amanqaku anekhredithi ezinamandla. Akunakufuneka usebenzise ngokubambisana ukuba umntu obolekayo unokukwazi ukuzuza ngamnye. Bobabini nonke (okanye nonke, ukuba kukho abangaphezu kwembini) unokungena ngaphakathi kwiintlawulo nokuba umntu omnye utyunjwe ngomboleko. Usenokukwazi ukubeka igama lomntu wonke kumsebenzi wobunikazi-nokuba ngaba omnye umnini-sicelo wenza isicelo semboleko.
Kakade, kungenakwenzeka ukuba umntu omnye afanelekele umboleko omkhulu . Imali-mboleko yasekhaya , umzekelo, ithambekele ekubeni enkulu kangangokuba umvuzo womntu oyedwa akayi kuyanelisa umboleko owenzela umboleki-mali.
Ababolekisi banokuba neengxaki kunye nabangewona ababolekayo benza igalelo ekuhlawuleni. Kodwa inkokhelo enkulu kakhulu inokugcina imali ngeendlela ezahlukeneyo, ngoko ke kunokufanelekile ukufaka umboleki odibeneyo:
- Uya kuboleka ngaphantsi, ngoko uya kuhlawula inzala encinane
- Uya kuba nemboleko engcono ukuxabisa umlinganiselo (okanye umbolekisi ophantsi) ukwenzela ukuba ufumane amazinga angcono
- Unokwazi ukuphepha ukuhlawula i-inshurensi yokubambisa i-private mortgage (PMI)
Uxanduva kunye nobunini
Ngaphambi kokuba uthathe isigqibo sokusebenzisa imali-mboleko ehlangeneyo (okanye kungenjalo), qiniseka ukuba uyaqonda ukuba yiyiphi amalungelo akho kunye neemfanelo zakho. Fumana iimpendulo kule mibuzo elandelayo:
- Ubani ojongene nokwenza iintlawulo?
- Ngubani ophethe ipropati?
- Ndingayifumana njani kwimboleko?
- Kuthekani ukuba ndifuna ukuthengisa isabelo sam?
- Yintoni eyenzekayo kwipropati xa omnye wethu efa?
Akumangalisi ukuqwalasela konke okungahambi kakuhle, kodwa kungcono kunokuba kuthatyathwe. Ngokomzekelo, ubunikazi bobambiswano uphathwa ngokuhlukileyo ngokuxhomekeke kwimeko ohlala kuyo kunye nendlela ophethe ngayo loo propati. Ukuba uthengela indlu nomlingane othandana naye, bobabini unokuba ufuna omnye ukuba afike ekhaya ekufeni kwakho - kodwa imithetho yomnini-mboleko ingathi isakhiwo siya kwindawo yokuhlala (kwaye ngaphandle kwemibhalo evumelekileyo ukuba uthethe ngenye indlela, intsapho umntu ofileyo abe ngumnini-mlingani wakho).
Ukuphuma ngaphandle kwemboleko kungabi nzima (ukuba ubuhlobo bakho buphela, umzekelo). Awukwazi ukususa kuphela kwimboleko - nokuba umboleki wakho ufuna ukuba igama lakho lisuswe. Umboleki-mboleko wenza inkokhelo esekelwe kwisicelo esisisigxina, kwaye unama-100 ekhulwini uxanduva lokubuyisela umboleko. Kwiimeko ezininzi, kufuneka uhlaziye umboleko okanye uhlawule ukuwubeka emva kwakho. Isivumelwano somtshato esithi umntu omnye unembopheleleko yokubuyiselwa imali akuyi kubangela ukuba umboleko uhlalwe (okanye ufumane igama lomntu osuswe).