Ukuthatha umhlala-phantsi akuthethi ukuba Unako Ukuvumela Iintlawulo Ezilungileyo Ukuwa Ngendlela Yendlela
Ukwakha imilinganiselo enetyala yeebhanki kusenokwenzeka ebomini kunokukhokelela kumanqaku anamandla kwaye i-credit yakho ifuna ukunyuswa xa ufika kumhlalaphantsi.
Nangona ungeke ube nezicwangciso ezikhawulezayo zokuboleka umhlalaphantsi , kukho iiprogram eziphambili zeemali zokuqwalasela emva koko ebomini.
1. Ngaba ukuvala iiAkhawunti zeKhadi leMatyala zibuhlungu umvuzo wam?
Ukuvalwa kwamakhadi ekhadi lekhredithi kwimali yomhlalaphantsi kunokuchaphazela amanqaku akho ekhredithi ukuba uqhubeka uqhuba ibhalansi xa i-akhawunti ivaliwe. Kungenxa yokuba inxalenye ebalulekileyo yamanqaku akho ekhredithi isekelwe kwisilinganiselo sokusetyenziswa kwetyala . Le mali iyimali ekhoyo ekhoyo.
Iingxelo zokuvala ngelixa unayo ibhalansi ngqo ithintela umlinganiselo wakho wokusebenzisa, owakho unokuchaphazela kakubi umlinganiselo wakho wekhredithi. Ukuba ucinga ukuvala ikhadi lekhredithi ngokuthatha umhlalaphantsi ngenxa yokuba awuyicwangcise ukuyisebenzisa, qiniseka ukuhlawula ibhalansi kuqala ukuze unciphise nayiphi na imiphumo emibi yokunciphisa umlinganiselo wakho wekredithi.
2. Ngaba Ingxelo Yemali Yokwenza I-Equity Home Equity?
Ukuthatha umhlalaphantsi kunokunika ixesha ofunekayo ekugqibeleni wenze ezo phuculo zekhaya okanye ukulungiswa okuye kwikhompyutha yakho.
Ukuba ungekho-mboleko okanye uqokelele inani elincinci lokulingana kwasekhaya , unokuqwalasela ukuboleka kuyo ngetyala lomlinganiso wekhaya okanye umgca wekhredithi ukuhlawula iindleko. Ukuba kunjalo, umnini-mboleko wakho uya kuqwalasela ngokukodwa ukuhlawulwa kwekhredithi njengenxalenye yesicelo kunye nenkqubo yokuvunywa.
Inqaku elifanelekileyo lekhredithi lingabonisa ukuvunyelwa lula kwaye isilinganiselo esincinane kwizinto obolekayo.
Kodwa, lelinye lemibuzo yemibuzo yekhredithi enokuba neempendulo ezininzi. Ukuba ufuna ukuvelisa umvuzo ongezelelweyo kwimali yomhlalaphantsi, imali ehlawulwayo yindlela enye yokufikelela kwi-equity home. Ukwahlukana kukuba imali engenayo kunye namanqaku akhokredithi ayabalulekanga kangako kule meko. Enyanisweni, akukho manqaku amancinci amancinci adingekayo ukuze afumane imali yokuthenga imali.
3. Unokubamba njani iNgxowa-mboleko ekuthintela izikolo zemali?
Le ngenye yeyona nto ibaluleke kakhulu kwimibandela yamanqaku okuthenga ngetyala, ukuba ubuze ukuba uthe wangenelela kwi-mboleko yemoto, umboleko wesikolo okanye umboleko wesikolo omnye wabantwana bakho okanye abazukulu. Ukutyikityina ngemali mboleko , nokuba ngaphambi okanye kumhlalaphantsi, kunokubanokuchaphazeleka kakhulu kumanqaku akho.
Njengomnxibelelwano-cosi, uthatha uxanduva lomthetho olukwabelwana ngalo ityala, nokuba ngaba awunjalo owubuyisela. Ukuba umnxibelelwano wakho ufezekisile umboleko owusayine igama lakho, abaqokeleli beetyala banokuphishekela bobabini ukuba uhlawule imali. Oku kuquka ukuxhotyiswa kwetyala lokuqokelela amatyala. Ukuba umgwebo ungenwe nxamnye nawe, uqhuba umngcipheko ophezulu wokuba ne-akhawunti yakho yomhlalaphantsi okanye enye ingeniso ehlawulisiweyo , okanye i-akhawunti yakho yasebhanki igqityiweyo, kuxhomekeke apho uhlala khona.
(Qaphela: Akukho mhlaba uvumela u-401 (k) iimpahla okanye iiNtlawulo zeNtlalo ukulungiswa ukuqokelela amatyala.)
4. Ngaba izabelo zeMboleko ziyakuthintela iiRhafu zam inshurensi?
Ukuba unethemba lokugcina imali kwi-inshurensi yemoto okanye yabanini bemihlala-phantsi ngexesha lomhlala-phantsi, i-credit score score matters. Ngaphandle kweHawaii, eCalifornia naseMassachusetts, wonke urhulumente uvumela iinkampani zomshuwalense wemoto ukuba zikhangele i-credit yakho ngaphambi kokuba ikuvume umgaqo-nkqubo. Amanqaku akho anokuqwalaselwa kwakhona kwiinshurensi yabanini.
Abatshutshisi basebenzise iprojekthi yakho yekhredithi ukulinganisa ukuba unobungozi bunjani kwaye kwaye kunokwenzeka ukuba ungayifaka ibango. Umlando wesikweletu oqinileyo kunye nomlinganiselo omhle wesikweletu unokukunceda ufumane isantya esezantsi kwi-inshorensi, ngelixa umlinganiselo osezantsi wekhredithi unokubangela iiprayimari eziphezulu okanye ukukhanyela ukukhutshwa.
5. Ngaba Ukuhamba Kwinqanaba Elikhulu Kwimiba Yomhlala-phantsi?
Ukuhamba ngehlabathi kukuninzi abanokuthatha umhlala-phantsi kwizabelo kodwa kungabiza.
Ukuvula umvuzo wokuhamba ngekhadi lesikweletu ehambisa iikhilomitha okanye amaphuzu ekuthengeni, kunye nokunye ukuhamba kwemali yokuhamba, kuya kuba yindlela enkulu yokubona izinto ngaphandle kokukrazula iqanda lakho. I-hitch, nangona kunjalo, kukuba amakhadi amaninzi okuhamba e-shelf afaka imivuzo ye-premium kunye neenzuzo zifuna ukuba ube nekhredithi enkulu kakhulu ukuba ufaneleke.
Umlinganiselo wakho wekhredithi uphinde uthinte ireyenti yepesenti yonyaka oya kuhlawula umvuzo wemali yokuhamba. Ukuhlawula ibhalansi yakho ngokupheleleyo inyanga nganye yindlela efanelekileyo yokuphepha iindleko zomdla kodwa ukuba uhlawula uhambo olubi kakhulu, unokufuna ixesha elithile lokulihlawula. Yilapho umlinganiselo wakho wekhredithi unokwenza umehluko malunga nokuba iindleko zenzalo zingenani kwixabiso.
6. Iyiphi indlela engcono yokugcina iNgxowa-mali efanelekileyo yokuhlala phantsi?
Xa ucela imibuzo yamanqaku ekhredithi, kubalulekile ukucinga ngemikhwa yemboleko oye wayilungisile. Ukuba ungena kumhlalaphantsi ngamanqaku amahle, ngoko ukugcina loo manqaku yinto yokulandela ezo zinto.
Oko kuquka:
- Ukuhlawula iindleko zakho ngexesha
- Ukugcina izilinganisi zekhadi lesikweletu phantsi
- Ukusebenzisa i-credit entsha ngokukhawuleza
- Ukugcina ii-akhawunti ezindala zivulekile
- Ukusebenzisa iintlobo ezahlukeneyo zemboleko
Ukuba umlinganiselo wakho wekhredithi kumhlala phantsi awukona ophakamileyo njengoko ungathanda, unokwenza loo migaqo efanayo ukuphucula ukulinganiswa kwemali. Khumbula kwakhona ukubeka iliso lakho ngetyala ngokuhlala phantsi. Oku kuthetha ukulandelela amanqaku akho kwenyanga ukuya kwinyanga, kunye nokujonga ingxelo yengxelo yakho yekredithi rhoqo malunga nayiphi na imiqondiso yokwenza ulwaphulo lobuqhetseba . Kungekudala ubona ifulegi ebomvu yesikweletu, kungekudala ungenza ukuthintela isela lokungabonakali ekubhubhiseni amanqaku akho.