Akunjalo "Imali Yonyaniso"
Nangona kunjalo, abanye abantu abakwazi ukuvelisa amaxwebhu adingekayo. Kubo, umboleko ophantsi (okanye akukho-maxwebhu) uyakhangalisa, kwaye ezo mboleko ziyafumaneka kwezinye.
Izizathu Zemivuzo Yemiqulu Ephantsi
Kukho izizathu ezininzi ezingenakukwazi (okanye ukuzimisela) ukubonelela ngolwazi kumboleki. Umzekelo:
- Abantu abaqeshwe ngokuzikhethela bakhetha ukubonisa ingeniso encinci ngenjongo yerhafu, kodwa oku kufana nokufaka isicelo semali mboleko
- Abasebenzi abaselula banembali yomvuzo ophantsi, okanye akukho mlando
- Abanikazi boshishino abatsha abakwazi ukubonisa ixesha elidlulileyo lemali engenayo eqhubekayo (iminyaka emininzi iyimfuneko)
- Abathathe umhlala-phantsi kunye neengeniso-mali
- Izidingo zobumfihlo zifuna ukuba ugcine inqanaba lakho lokufumana imali
- Ukufumana nokulungiselela amaxwebhu kunzima kakhulu
- Ingeniso yakho okanye i-asethi ayibhaliweyo nangayiphi na indlela eyamkelekileyo kumboleki
Ukufaneleka ngaphandle kwemiqulu
"Iintsuku ezindala" zezifundo ezilula ziphelile. Ngaphambi kweengxaki zemali ezithe zafika ngo-2008, unokwazi ukuxelela umthengi wakho wemali ukuba ufumana phi, kwaye uncinane ukuba kukho ubungqina obufunekayo. Leyo "ngeniso yengeniso" (eyaziwa nangokuthi "iimali-mboleko zamanga") ayifumaneka ngokukhululekile.
I-Ofisi yeKhuseleko yeMali yabathengi (i-CFPB) ngoku ifuna ababolekisi ukuba baqinisekise ukuba unako ukubuyisela nayiphi na imali evunyiweyo-ukuba i-mortgage iyimboleko "efanelekileyo." Kodwa abanye ababolekisi bazimisele ukusebenza kwithuba elingafanelekanga lokuthenga imali.
Qaphela ukuba aba babolekisi abajonge ukubuyela ngo-2006 - abanomdla ekukhutshelweni kwemali-mboleko eyimfihlo ngokusebenzisa amanani angachanekanga.
Nangona kunjalo, banomdla ekusebenzeni nabantu abanakho ukubuyisela (ngelixa bengenako ukubhala ingxelo yabo yengeniso kunye neempahla kwiifom zendalo).
Ukuze ukwazi ukufumana le mboleko, kufuneka ube ngumboleki okhangayo, kwaye iimpawu ezingezantsi ziya kukunceda.
Ikhredithi enhle (okanye enkulu): kwakhona, iimali-mboleko ezingaphantsi kweemibhalo zizinto ezidlulileyo. Ababoleki bazimisele kuphela ukulungelelanisa ulwazi oluncinci ukuba unamaqaku amanqaku aphezulu (ngaphezu kwe-720 yindawo efanelekileyo yokuqala). Oko kwathiwa, ukuba zonke izinto zisesimweni esifanelekileyo, izidalwa ezimbalwa kwiingxelo zakho zemali-mboleko zingenakonakalisa loo nto.
Ingeniso: ingeniso isoloko ikunceda ukuba ufumane imvume yokuboleka imali. Kodwa ababolekisi abangafanelekanga banokuba bavelele ngakumbi ngokuvavanya ingeniso yakho. Ukuba unokwenza ityala lakho (nangona awukwazi ukuvelisa iW2), unokufumana imvume.
Iimpahla: ukufumana imali eninzi yokulondoloza kukunceda lakho ityala. Ibhanki enkulu kunye ne-akhawunti yezobalo-mali inokuthi isebenze njenge "iindawo zokugcina" onokuzifaka kuyo ukuze uhlawule iintlawulo. Ababolekisi banokuthi bavelele ngakumbi ngenzuzo xa unamandla kwizinto.
Ukulingana: Ababolekisi banqwenela ukunciphisa ingozi yabo, nokubona ukuba unesikhumba kumdlalo. Ukuba wenza inkokhelo ekhudlwana, unamathuba angcono kunye nababolekisi bamaphepha aphantsi.
Ukuhlawulwa kwemali eqhelekileyo, i-20% yanele, kodwa 40% okanye ngaphezulu kunokufunwa ngababoleki abangafanelekanga. Unokuhlala ubeka ukulingana ukusebenzisa ngolunye usuku kamva.
Iindleko
Akukho nto enjengokutya kwamahhala. Ekubeni ungekho ubungqina bakho bokubuyiselwa ngokusebenzisa amaxwebhu aqhelekileyo, ababolekisi bathabatha ingozi enkulu. Aba babolekisi bathatha ingozi ephezulu yokulawula ngokusebenza kwimimandla yemigca (kodwa isemthethweni). Ngenxa yoko, ixabiso liphezulu.
Lindela ireyiti yemali engenani enye yepesenti ephezulu kwimboleko yemibhalo ephantsi. Ezinye iirhafu zokucwangcisa zinokuthi zithathwe. Ukuba ukhangele indlela elula yokufaka isicelo sembolekiso, oku kungenokuba yinto ekhethekileyo yokukhetha ( ukumba loo mbuyiselo yerhafu endala kunye neentlawulo ). Kodwa ukuba uwela kwiindidi ezichazwe ngasentla, kungenzeka ukuba ukhetho lwakho kuphela kwaye ulungele ixabiso.