Ngelishwa, akulula kangangoko kubonakala ngathi. Ukucwangciswa okufanelekileyo kunye nolwazi lwezobuchwepheshe lubalulekile, kodwa ibhansela enkulu kunazo zonke mhlawumbi inkxaso - kuthatha imali ukwenza imali.
Ngoko uyifumana njani imali?
Abatyalomali abazimeleyo, kubandakanywa nabantu obaziyo kunye nababolekisi bemali enzima, ngumthombo ongcono kakhulu wokuboleka imali kwizindlu. Abo babolekisi abafunanga inani elifanayo lexesha kunye namaphepha njengeebhanki zemveli. Kunoko, bavavanya ipropathi ngokwayo (kokubili ngaphambi nangemva kokuphuculwa) kunye nokukwazi kwakho ukuzalisa ngempumelelo iphrojekthi.
Imali Yemiboleko Yokubopha Indlu?
Imali-mboleko yasekhaya yasekhaya ayiyi kuba yindlela yokuthenga iimpahla zentengiso-ubuncinane xa uqala.
Iindaba ezilungileyo kukuba iimali-mboleko ezivela kwiibhanki kunye nababoleki bendabuko ababizi xabiso: ireyiti zenzalo ziphakathi kwezona ziphantsi kakhulu eziya kufumana iimpahla zokutshala (kodwa uya kufuneka uhlawule iindleko zokuvala ). Ngelishwa, le mboleko ayisoloko isetyenziswa.
Nciphisa ukuvala: Enye yemingeni ephambili ekusebenziseni umboleki wendabuko yithuba elithathayo ukuvala imboleko.
Ababoleki bafuna ukuba uzalise isicelo esikhulu, kwaye baya kuhamba ngeemali zakho ngekhefu elihle . Ukuba babona nantoni na ephakamisa imibuzo, baya kucela amaxwebhu amaninzi, kwaye baya kuthatha ixesha elide ukuba bahlolisise isicelo sakho. Inkqubo engathathi nto ingaphantsi kweentsuku ezingama-30 (iintsuku ezingama-45 okanye ezingama-90 zingaphaya koko), kwaye amathuba okutyalo-mali ahamba ngokukhawuleza kweso sihlandlo.
Ngokukodwa xa kuthengiswa okanye ukuthengisa okufutshane kukuyinxalenye yesicwangciso sakho, unokukhungathekiswa ngantyaba yababoleki bemveli.
Ukuvavanya ingeniso: Ababolekisi bemveli basekela izigqibo zabo zokubolekisa ngokukwazi ukubuyisela imali mboleko. Baya kujonga ubuninzi obuyifumanayo ngenyanga nganye xa kuthelekiswa neentlawulo zemboleko zenyanga zenyanga ukubala ityala kwinani lentlawulo . Ukuba ungumtyalo-mali okanye umncedisi oqeshwe ngabasebenzi, unganakho uhlobo lwengeniso "abayifumanayo" (ababolekisi bathanda ukubona iifom ze-W-2 kunye nokuhlawula ama-stubs).
Ingakanani ixabiso lepropati? Ababoleki baqhathanisa ixabiso lepropati oyithengayo mboleko oyicelayo. Eyaziwayo njengemali mboleko ukuxabisa ubungakanani , ababolekisi abaqhelekileyo banqwenela ukugcina loo nombolo engaphantsi kwama-80 ekhulwini, nangona kunokwenzeka ukuba ufumane iimali-mboleko ze-FHA nge-3.5%. Xa uthengela indlu ukuphosa, mhlawumbi akufanelekanga kakhulu kwimeko yalo yangoku - kodwa ufuna imali eyaneleyo yokuthenga ipropathi kwaye uhlawule ukuphucula, okungahlawuliswa ngaphezu kwendlu. Ikhaya emva kwexabiso lokulungisa (i-ARV) linokuba ngumlinganiselo olungcono, kodwa ababolekisi bendabuko bajonga kuphela ixabiso lexabiso elikhoyo elikhoyo.
Ikhredithi ye-Classic: ezininzi iibhanki kunye nababolekisi bemali mboleko zifuna ukuba unetyala eliqinileyo lokuba ufumane imvume yemboleko.
Unokuba ungenayo imbali yokuboleka, okanye unokuba nezinto ezinokungalunganga kwiingxelo zakho zemali-mboleko - kodwa oko akuthethi ukuba awukwazi ukuphumelela ngempumelelo izindlu. Abanye ababolekisayo banomdla kwiiprojekthi zakho zangaphambili kunamaphuzu akho ekhredithi.
Iingxaki zendlu: Ababolekisi bemveli banqwenela ukwenza iimali mboleko kumakhaya asemgangathweni olufanelekileyo. Ukuba kukho imicimbi yezempilo okanye ukhuseleko, imali mboleko ayikho. Unokuba unenjongo yokulungisa ezo ngxaki, ukwandisa ngokukhawuleza ixabiso lekhaya ngenzuzo, kodwa ababolekisi banomdla kakhulu ekubolekiseni amakhaya ahamba-ekulungele.
Akunakwenzeka? Kuyakwazi ukusebenzisa imirhumo yasekhaya yemveli ukuba ifake indlu, ingakumbi kwezi zilandelayo ziimeko:
- Unempahla ebalulekileyo enokukunceda ukuba ufaneleke - nokuba isetyenziswe njengobuthathi okanye inxalenye yentlawulo ephantsi.
- Awukho "ngokunyanzela" indlu. Xa uthengi indawo yokuhlala eyintloko (apho ungumnini / umhlali), unokukwazi ukufumana imali yokuthenga kunye nokuphucula usebenzisa i-FHA 203k mboleko . Nangona kunjalo, le nkqubo iphuculwa kwaye iza nemimiselo emininzi.
- Unako ukulingana okubalulekileyo kwenye indawo engasetyenziselwa umgca we-credit equity line (okanye ezinye ii-asethi, kuquka i-real estate, engasetyenziselwa ukuxhamla). Gcina ukhumbule ukuba unokulahlekelwa yipropati xa ungenakukwazi ukuqhubeka kunye neentlawulo, ngoko ke le khetho ingozi (ngakumbi ukuba intsapho yakho ihlala kuloo propati).
- Unamava ngeeprojekthi eziyimpumelelo kwixesha elidlulileyo. Unokwazi ukufumana iimali-mboleko zentengo ye- real estate ezivela kwiibhanki kunye neemanyano zemali-mboleko ukuba uyabaqinisekisa ukuba unobuchule benobuqabane, ozinzileyo kunye nezibonelelo zemali.
- Unokufumana iimboleko ezingakhuselekanga. Ukuba unako ukuboleka ngaphandle kokubambisana, unokukwazi ukusebenzisa iimali-mboleko ezifana namakhadi-mboleko ukuxhasa ukuphucula. Uyakufuna iimali zokuthenga ipropati, kodwa imali eyongezelelweyo ingavela kwimboleko engakhuselekanga . Esi sicwangciso sinengozi kuba amakhadi enkoleko axabisa kakhulu, kwaye iprojekthi yakho iya kuhlalwa xa umgca wakho wekhredithi unqunywe okanye unqabile ngokungalindelekanga (kunye kunye ufuna imingcele ephezulu kakhulu yemali).
Imali eyimfihlo yoLwazi lweZakhiwo
Iimali ezivela kubani-bucala bangebucala ziyanceda kakhulu imingeni engentla. I-drawback enkulu yindleko, kodwa injongo kukusebenzisa le mboleko ngemigaqo. Imali-mboleko yangasese ivela kuyo yonke indawo, kodwa ininzi yemali mboleko iya kufakwa kwiindidi ezibanzi:
- Imali evela kubantu obaziyo
- Imali mboleko yemali enzima
Xa uqala, kuya kuba nzima ukufumana nabani na ozimisele ukukunika imali - abantu abakwaziyo (kunye nabangenayo imali eninzi okanye ukunyamezela ingozi) unokukhetha kwakho kuphela. Ngaphandle koko, unokufuna ukuxhasa imali yakho yokuqala yokusebenza.
Yakha inethiwekhi: Bandakanyeka kwingingqi yoluntu-mali lwendawo yokuhlala. Ngexesha elide, uya kudibana nabantu, kwaye uya kufunda ukuba ngubani onako ukuboleka imali. Ngaphezu koko, abantu baya kukwazi. Abanye abatyali-mali, abameli bezindlu kunye nababolekisi bangebucala baya kubona ukuba uzibophezele ekusebenzeni ishishini eliyimpumelelo (ungakhankanyi ngokufanelekileyo), kwaye iingxaki zakho zokufumana mboleko ziya kuphucula.
Ekugqibeleni, kufuneka ukwazi ukuqala ukuboleka kubalimi abanomsebenzi onzima . Aba babolekisi baxhomekeke kwimali-mboleko yokunyuka kunye nokunye utyalo-mali, kwaye bahluke kwiibhanki zemveli.
Ukuvala ngokukhawuleza: Ngobolekisi bangebucala, le nkqubo iyahluke, kwaye imali yakho mboleko ingaxhaswa ngemali ngokukhawuleza (ngeveki okanye kunjalo kuqikelele xa unalo ubudlelwane obuhle kunye nekhredithi yobuchwepheshe). Ukuhamba ngokukhawuleza kunokufumana inzuzo yokukhuphisana xa umntu ekhangele ukufumana isakhiwo kwisandla sakhe.
Ukuboleka kwe-asethi: Esikhundleni sokukhangela iingxelo zekhredithi kunye nokubala izilinganiso zengeniso, ababolekisi abazimeleyo bavame ukugxila kwixabiso lempahla oyithengayo. Ukuba uthengisa izindlu, umboleki ufuna ukwazi ukuba bathengise indlu ngokukhawuleza ukuze babuyiselwe imali yabo (njengabanye ababolekisi, ababolekisi bamashishini abucala baya kuba nekhonkco kwipropati , bavumele ukuba bathathe ipropathi baze bayithengise ukuba awuyibuyisanga imali mboleko).
Ukuthengwa kunye nokuphucula: Ababolekisi bamabhankaso beshishini lokuhlala abatyali-mali kunye nokusekela imali yakho ekhoyo kwi-ARV yeprojekthi. Kodwa abanako ukukunika yonke into ngexesha elilodwa - unokufuna ukuba udwebe kwiakhawunti ye-escrow njengoko iphrojekthi yakho iqhubeka.
Ukungabikho kwemali? Ukuze ube neeprojekthi ezimbalwa eziphumeleleyo phantsi kwebhanti yakho, ababolekisi baya kufuna ukuba ulingane kwiprojekthi. Ngexesha elithile, unako ukuboleka ipesenti ezili-100 kwiprojekthi kwaye ube neeprojekthi ezininzi eziqhuba ngexesha elifanayo.
Iindleko zemiboleko
Imali yeeprojekthi zokunyuka zibiza kakhulu kuneemali mboleko zokuthenga ekhaya. Umyinge wenzalo uphakeme, kwaye kuya kufuneka uhlawule amanqaku amaninzi okanye iimali zokuqala (enye ingongoma enye yepesenti yemali yakho mboleko ).
Iiprojekthi zokwenza iiprojekthi zifutshane. Awuyi kuhlala ekhaya iminyaka emininzi, ngoko umlinganiselo oneminyaka eli-15 okanye iminyaka engama-30 yokuboleka imali ayikho mboleko efanelekileyo yomsebenzi. Abatyalomali bavame ukukhetha ukuthenga, ukuphucula nokuthengisa ipropati phakathi konyaka omnye okanye ngaphantsi, kwaye yileyo ndlela iindleko zemali ezizimeleyo zisebenza ngayo. Ezi mboleko zibiza kakhulu xa unesakhiwo ixesha elide, kwaye oko kunengqondo kuba umngcipheko wongeniso-mboleko ukwandisa njengoko ulibazise ukuhlawula.
Kubiza kangakanani ukuboleka ukunyathela? Iindleko ziphezu kwebhodi, kwaye yonke into iyathengiswa. Amanqanaba enzala angabikho naphakathi kwama-8 ukuya kuma-20 ekhulwini ngonyaka, kwaye uya kufuneka uhlawule i-1 kuya kwi-10 ekhulwini ngaphambili. Xa usuhlale usomashishini, kwaye ulunge ngakumbi ubudlelwane bakho nababolekisi, ngaphantsi koko uya kuhlawula.
Ukwandisa inani lemali elitholakalayo kwiprojekthi yakho, ababolekisi bavame ukuvumela iintlawulo zenzalo kuphela , kwaye akufuneki kubekho isohlwayo sokuhlawulwa kwangaphambili ukuze ukwazi ukuthengisa nokuhlawula umboleko xa ulungele.