Yiyiphi idibaniso kwaye isebenza njani?
Xa uthembisa ubambiswano, umboleki uthetha umngcipheko omncinci, oko kuthetha ukuba unokufumana umgangatho omhle.
Indlela Osebenza ngayo
Ukubambisana kudla ngokufunekayo xa umboleki efuna isiqinisekiso sokuthi abayi kulahlekelwa yimali yabo yonke. Ukuba uthembisa i-asethi njengento yokubambisa, umnini-mboleko wakho unelungelo lokuthatha isenzo (uthatha ukuyeka ukuhlawula imali mboleko): bathatha i-intanethi, bayithengise, kwaye basebenzise ukuthengisa kuhlawula imali.
Qhathanisa umboleko wemboleko kunye nomboleko ongaqinisekanga , apho bonke abanomboleki banokukwenza ukukhwela i-credit yakho okanye ukuzisa isenzo somthetho kuwe.
Ababoleki banokukhetha, ngaphezu kwayo yonke into, ukubuyisela imali yabo. Abafuni ukuzisa isenzo somthetho malunga nawe, ngoko bazama ukusebenzisa umlondolozo njengokhuseleko. Abafuni nokuba bajongane ne-collateral (abangekho kwishishini lokuba neentlawulo, ukuqashisa, nokuthengisa izindlu), kodwa oko kudla ngokuba yindlela elula yokukhusela.
Iintlobo zoBambiswano
Naliphi na impahla leyo umboleki wakho owamkelayo njengento yokubambisa (kwaye evunyelwe ngumthetho) inokubambisa.
Ngokubanzi, ababolekisi bakhetha izinto ezilula ukuzixabisa kwaye zibuye zibe yimali. Ngokomzekelo, imali kwi-akhawunti yokulondoloza inkulu yokubambisa: ababolekayo bayazi ukuba kulungile kangakanani, kwaye kulula ukuqokelela. Ezinye iindlela eziqhelekileyo zokubambisana ziquka:
- Iimoto
- Indawo yokuhlala (kuquka ukulingana ekhaya lakho )
- I-akhawunti yekheshi (i- akhawunti yomhlala phantsi ayifanelekanga, nangona kukho njalo ikhethi)
- Amashishini kunye nezixhobo
- Utyalo mali
- Iinshorensi
- Ixabiso kunye neziqokelelo
- Iintlawulo zexesha elizayo ezivela kubathengi (ezifunyenweyo)
Nangona ufumana imali mboleko yezoshishino, unokubambisa i- asethi yakho (njengekhaya lakho losapho) njengenxalenye yesiqinisekiso somntu siqu .
Qaphela ukuba ii-akhawunti zomhlala phantsi ezifana nee-IRA azivunyelwe ukuba zikhonjiswe.
Ukuxabisa iiAfa zakho
Ngokubanzi, umboleki-mali uya kukunika ngaphantsi kwexabiso lexabiso lakho lempahla. Amanye amaxabiso angahlawulwa kakhulu. Ngokomzekelo, umboleki-mali angayiqonda kuphela i-50% yepotfoliyo yakho yokutsalwa kwemali mboleko. Ngaloo ndlela, baphucula amathuba abo okufumana yonke imali yabo xa kwenzeka utyalo-mali lulahlekelwa luxabiso.
Xa befaka isicelo semboleko, ababolekisi bavame ukucaphula umboleko owamkelekileyo kwixabiso lexabiso (LTV). Umzekelo, ukuba uboleka indlu yakho, ababolekisi bangavumela i-LTV ukuya kuma-80%. Ukuba ikhaya lakho lixabisa i-$ 100,000, unokuboleka ufike kuma-80,000.
Ukuba iimpahla zakho ezithembisayo zilahlekelwa yixabiso nangaliphi na isizathu, unokwenza ukuba uthembise impahla eyongeziweyo ukuze ugcine umboleko wemali. Ngokufanayo, unembopheleleko yemali epheleleyo yemboleko yakho, nangona ukuba ibhanki ithatha impahla yakho kwaye ibathengisa ngaphantsi kwexabiso omele lona. Ibhanki inokuzisa isenzo somthetho malunga nawe ukuqokelela nayiphi na ilahleko (imali engazange ihlawulwe).
Iintlobo Zemivuzo
Unokufumana iimboleko zemboleko kwiindawo ezahlukeneyo. Ngokuqhelekileyo zisetyenziselwa ukubolekwa kwemali-mboleko kunye nemali mboleko. Amashishini amaninzi amatsha, ngenxa yokuba abanalo irekhodi elide lokusebenza kwenzeniso, kufuneka ukuba bathembise ubambiswano ( kubandakanywa nezinto ezizezomnini-shishini ).
Kwezinye iimeko, ufumana imali mboleko, uthenge into ethile, kwaye uyifungise njengobuncwane bonke ngexesha elinye. Ngokomzekelo, kwiimeko zomshuwalense wobomi bomshuwalense we-premium-finance, umboleki kunye nomshurensi bahlala basebenza kunye ukubonelela ngemboleko yomgaqo-nkqubo kunye neentengo zemboleko ngexesha elifanayo.
Ukuthengwa kwezindlu ezixhaswa ngemali kuyafana: indlu iyasindisa imali mboleko, kwaye umnini-mboleko angakwazi ukubeka ingqungquthela ekhaya xa ungawubuyiselanga. Nangona uboleka iiprojekthi zokulungisa-kunye-flip , ababolekisi bafuna ukusebenzisa ipropati yakho yotyalomali njengokhuseleko.
Xa uboleka amakhaya eselula okanye awenziweyo , uhlobo lokubolekwa kwemali mboleko luya kuxhomekeka kwixesha lekhaya, inkqubo yesiseko kunye nezinye izinto.
Kukho iimali-mboleko zemboleko zabantu abanesityala esibi. Ezi mboleko zihlala zibiza kwaye zimele zisetyenziswe nje njengesigqibo sokugqibela. Bahamba ngamagama ahlukeneyo, njengemali- mboleko yecala yemoto , kwaye ngokubanzi kubandakanya ukusebenzisa imoto yakho njengobuncwane. Qaphela ngala mboleko: ukuba awuyi kubuyiselwa, umboleki wakho unokuthatha isithuthi aze ayithengise - kaninzi ngaphandle kokukwazisa ngaphambi kwexesha.
Ukuboleka Ngaphandle Kobambiswano
Ukuba unqwenela ukungabambisanga, uzakufuna ukufumana umboleki-mali ozimisele ukunikela ngemali esekelwe kwisayinitsha yakho (okanye umqondiso wesinye umntu). Ezinye zeendlela ziquka:
- Imali mboleko engaphephile njengemali mboleko yemali kunye namakhadi ekwereta
- Imali-mboleko ye-Intanethi (kuquka uontanga kwintlawulo-mboleko)
- Ukufumana umququzeleli ukuba afake isicelo semali mboleko nawe- ukubeka ikhredithi yabo engozini
Kwezinye iimeko, njengokuthenga ikhaya, ukuboleka ngaphandle kokusebenzisa nantoni na njengento yokubambisa mhlawumbi akunakwenzeka (ngaphandle kokuba unobulungisa obukhulu ekhaya). Kwezinye iimeko, kunokuba kube yindlela yokwenza ngaphandle kokubambisa, kodwa uya kuba neenketho ezimbalwa kwaye kufuneka uhlawule umlinganiselo ophezulu ukuboleka.