Ulwahlulo phakathi kweMali yeMali eNgqongqo kunye neMali yokuThengwa kwemali
Ukuqonda apho i-mboleko yemali enzima ivela khona, siyakwazi ukubuyela kwimihla yehashe-ne-buggy. Ifom yeyona ndlela ixhasekileyo phakathi kwabahlali baseMelika yokuqala kwakuyimali yegolide. Ngamanye amaMerika, ngakolunye uhlangothi, athengisa iimpahla ezinjengeentsimbi kunye neeplay. Ukuba ububole imali, kulindeleke ukuba uyihlawule, kwaye ukubethelela kwakungekho nxalenye yeengxoxo. Imali-mboleko yemali enzima ayinakudityaniswa.
Ngaphahla, ukuba awuzange uyihlawule, ungadutshulwa.
Ukulungiswa kwamakholoni, urhulumente waseUnited States wanikezela izakhiwo zomhlaba ngokutshintshela isithembiso somhlali sokuhlala ezweni, ukukhula izinto ezifana nengqolowa okanye ikotoni, kunye nokunyusa imfuyo. Ukubonelela indawo yokukhusela, abahlali baqhekeza imithi embalwa baze bazakhela izakhiwo zabo zokuhlala. Namhlanje, silindele ukuthenga ikhaya elikhoyo okanye sihlawula umakhi ukwakha ikhaya elitsha kuthi, kwaye asinakuthetha ukuba ikhaya lethu likhulule kwaye licaca.
Ngokona nxalenye, ukuthenga ikhaya kwi-21 Century kubandakanya uhlobo oluthile lokuxhaswa kwemali. Kukho ngokubanzi iindawo ezintathu zexabiso lokuthenga:
- Ukufumana idiphozithi yemali
- Iyonke intlawulo yentlawulo evela kumthengi (ebandakanya imali engqongqo yemali)
- Ukulinganisa intengo yokuthenga ngendlela yemboleko yemali mboleko
Imali Yemali Yemali Enzima Ukungahambisani Nokuthenga Imali Imali
Imboleko yemali yokuthenga imali yimali yomthengi obolekayo ukuthenga ikhaya. Le ndlu ingaba malunga naluphi na uhlobo lwesakhiwo, ukusuka kwindlu eyodwa-yentsapho, iiyunithi ezininzi, ikhondomu, idolophu, okanye ukusebenzisana kwamasheya ukuya kwikhaya elincinci okanye elenziwe .
Ukuthenga imali kwenza inxalenye yentengo yokuthenga. Imboleko ikhuselekile yipropati, oko kuthetha ukuba umthengi uyayeka ukwenza i-pa yents , umbolekisi angenelungelo lokubamba ikhaya aze athengise loo ndlu ukuze abuyele imali.
Imboleko yemali enzima egcinwe kwi-real estate ngumboleko ongekho imali yokuthenga.
Imali ebolekwa kumbolekayo, engasetyenziswa rhoqo ukuthenga ikhaya. Unokufumana imali mboleko ngemali ngaphandle kokufumana ikhaya nantoni-kungekho nalukhuseleko lwalo mboleko-ukunika umboleki-mboleko unomuva onobungozi bentengo. Ikhredithi yamakhredithi kwangaphambili imali mboleko yemali enzima. Okanye unokufumana imboleko yemali enzima ekhuselekile kwi-equity ekhaya kodwa ayingenayo inxalenye yentengo yokuqala. Ababoleki bemali abanzima kakhulu bafuna umntu obolekayo kunye nezokhuseleko ukuba bakwazi ukufumana imboleko yemali enzima.
Iingxowa zemali ezikhokhwayo Ziyimali ababolekisi ngemali
Abantu ababoleka imali kwiingxowa zemboleko abanakho ukufumana imali mboleko kunoma yimuphi umthombo. Ababolekayo banokuba netyala elibi , akukho na impahla okanye imisebenzi engaqinisekanga. Abanye ababolekayo banamahloni kwaye bawa ngamaxesha amanzima.
Ukuba unayo i-asethi engasetyenziselwa njengokhuseleko lomboleko, ungaya kwisitolo se-pawn. Ukuba awunayo into yokubaluleka yokuthengisa imali, umboleki wemali enzima njengokuba u-shark obolekwa ngemali ngumboleki. Iingxowa zetyala zenza imali yazo ngokuhlawula iirhafu eziphezulu kakhulu , ezisoloko zichasene nemithetho yenzalo. Ukutsalwa kweentlanzi kungasetyenziselwa ukusongela ubundlobongela ukukhuthaza aboboleki ukuba babuyisele ityala.
Bonke abafaki bemali mboleko banzima ababolekisi bemali kodwa, ngenhlanhla, akubona bonke ababolekisi bemali abanomalimboleko.
Akucebisi ukuboleka imali kwi-shark yemboleko.
Iintlobo zeMali yeMali eNgqongqo
Uninzi lwababolekisi bemali abanzima bakhetha ukubambisana kunye ne-securitization ukuze benze imali mboleko. Okokubambisa, njengendlu, kubuya kumboleki wemali enzima xa umntu obolekayo engenzi kwaye ikhaya liya ekugqibeleni. I-real estate iyisithuthi esilungileyo ukufumana imboleko yemali enzima, ukubonelela ipropati enombuzo inokulingana. Esinye sezizathu zokutshatyalaliswa kwempahla ngonyaka ka-2007 bekubaluleka kwezindlu eziye zabashiya abaninzi ababolekayo bephethe isikhwama ngaphandle kwokhuseleko.
Abanye abathengi basebenzisa iimali-mboleko zemali ezinzima njengesiqhelo ukuthenga iimpahla zokutshala imali ezifuna ukulungiswa. Baya kusindisa imali yabo kwaye bahlawule amaphuzu aphezulu ukuba bathathe imali mboleko enzima kunye nexesha elifutshane lokuhlawulwa. Ingxaki ngale ndlela ngabathengi babhala ukuthenga kwabo njengemali yonke, kwaye babonisa i-akhawunti yekheshi njengobungqina bemali .
Ukuba bafumana imali mboleko, kunjalo, ukuthengiselana akusiyo yonke imali.
Nazi iintlobo eziqhelekileyo zemali-mboleko yemali enzima:
- Ukuxhaswa kweMali yokuThengiswa kweMali yi-Hard Money Loan
Ukuhlaziywa kuhlawulela enye okanye imali ebolekileyo efunyenwe kwipropati, ekhokelela kwimboleko emitsha, ngokubanzi kunye ne-balance balance. Umnikazi wezindlu unokuhlaziya ngaphandle kokufumana nayiphi na enye yemali ngokufumana iindleko zemboleko emitsha kwi-balance balance okanye ukuhlawula iindleko zomboleko kwipokethi yomboleki.
Ekuhlambululeni kwemali, umthengi uthatha umboleko omtsha ongaphezulu kwexabiso lemali-mboleko emdala kunye neendleko zokufumana imali. Imali engaphezu kwezi zinto zibini ibizwa ngokuthi "imali kumbolekayo." Yimali yentengo yokucocwa. Uninzi lwezinto ezihlaziyiweyo zeemali zixhomekeke kwizigwebo .
- Imali-mboleko ye-Equity iNgxowa yeMali enzima
Imali-mboleko yemali yokulingana yasekhaya ngokukhawuleza kwaye iphantsi kwe-mortgage yokuqala. Ngamanye amagama, umboleko wemali ulwa kwindawo yesibini okanye yesithathu. Abboleki abakwazi ukufumana imali mboleko yemali kuwo onke ama-50.
- Imali-mboleko yeBhuloho yiNgxowa-mali yeMali enzima
Imalimboleko yeBhanki isetyenziswa ngabadayisi abafuna ukuthenga ikhaya elitsha ngaphambi kokuba bathengise ikhaya elikhoyo kodwa badinga imali kwikhaya elikhoyo. Uza kubona iitalente zemali eziqhutyelwa rhoqo kwiimarike zathengisi kuneemarike zathengi.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.