Indlela Yokuxoxisana NeeNgxowa Zakho Zokuthengisa
Ngaphambi kokuba uzibophezele kumboleki, buza le mibuzo engaphezulu kwe-10 yomthengi wakho wempahla. Ukuba awuyithandi iimpendulo ozifumanayo, qhubeka uthenga ityala uze ufumane umthengisi wemboleko / umnini-mboleko onokuziva ukhululekile.
Ukuze kukunikeze ngolwazi oluchanileyo, igosa lakho lemali-mboleko mboleko lifuna ukufumana okungakumbi malunga nawe. Ungesabi ukwabelana ngolwazi lwakho lomntu, kuquka ukunika imvume kumboleki ukuba asebenze ingxelo yakho yekhredithi. Khumbula, ngakumbi umboleki wakho uyazi ngawe, icebiso elingcono kunye noncedo oluya kufumana.
01 Nguwuphi uhlobo loMboleko oLungile?
Ababolekisi abahloniphekileyo baya kufumanisa ngakumbi malunga nawe ngaphambi kokukhipha okukhethwa kukho imali. Ubungeke ulindele ukuba ugqirha ubonise ukuhlinzwa phambi kokuba ahlole imeko yakho yezokwelapha, ngaba wena? Khetha umboleki oqokelela ulwazi olwaneleyo kuwe ngaphambi kokubonisa uhlobo oluthile lomboleko. Ungesabi ukucela umnini-mboleko ukuba uchaze iinkonzo kunye neengxaki malunga:
- Imali-mboleko yezinga eliphezulu.
- Iimali-mboleko zemilinganiselo.
- Imali-mboleko kuphela.
- Iimali-mboleko zokunyusa imali.
02 Iyini Intlawulo yeNzala kunye neNqanaba leNqanaba leNqanaba
Ireyenti yepesenti yonyaka (APR) itholakala ngokubala okunzima okubandakanya izinga lesenzalo kunye nazo zonke ezinye iifizi ezihambelana neendleko zemali ezihlukaniswe ngethuba le-mboleko. Nangona kunjalo, khumbula ukuba:
- Abanye ababolekisi abaqulunqi i-APR ngokuchanekileyo.
- Ayikho indlela yokuchaneka ngokuchanekileyo umlinganiselo we-APR ngomboleko olungiswayo.
- I-APR ayiyikuphendula ngokukhawuleza .
- Uhlengahlengiso lwamaxesha
- Ukulungiswa konyaka
- Izinga eliphezulu kakhulu (iCape)
- Index
- Umgama
03 Ziziphi iiNkcazo zeNkcazo kunye neMali yokuQala?
"Inqaku" ngalinye lilingana ne-1 ekhulwini lemali yemboleko. Ngako-ke, i-2 ingongoma i-$ 100,000 ebiza imali eyi-$ 2,000.
- Ngamanye amaxesha ababolekisi bahlawulisa iintlawulo zemvelaphi ngaphezu kweengongoma.
- Amaphuzu "athengise" isantya senzala, esichazela amanqaku amaninzi owuhlawulayo, ixabiso eliphantsi.
- Iingongoma zikarhoxiswa irhafu , nokuba ngaba umdayisi ukhokhela ezinye okanye zonke iingongoma.
04 Ziziphi iindleko?
Zonke iindleko zemboleko zingabandakanyi iimali eziya esikhwameni semali-mboleko kodwa zibandakanya iimrhumo zentengiso yabathengi-banjengathi:
- U vavanyo
- Ingxelo ye ngxelo
- Umgaqo weetayitile yomthengisi
- Iingxelo zokuhlola izilwanyana
- Escrow (apho kusebenza khona)
- Imali yokurekhoda
- Imirhumo
Uqikelelo lwale mirhumo yinto ebizwa ngokuba yiNgxowa-mali yokuTyala, leyo umboleki-mali efunwa ngumthetho we-federal ukukunika.
05 Yintoni iNgxowa-mboleko?
Ababoleki bafuneka ukuba banike umlinganiselo wokuboleka imali, ngokuchanekileyo equle zonke iindleko zemboleko yakho. Ababolekisi kufuneka bahlawule umlinganiselo wokuboleka imali xa isicelo sagqityiwe. Ezi zinto zilandelayo zi-6 zifuneka ukuba zifunyenwe kuqala:
- Igama lomboleki
- Inombolo yokhuseleko lasekuhlaleni
- Idilesi yePropati
- Ixabiso lexabiso lepropati
- Isixa semali
- Ingeniso
06 Ngaba Unika iMali yokuTyala yeMali?
Amanani omdla atshintsho kwaye atshintshe imihla ngemihla. Ukuba unesizathu sokukholelwa ukuba amaxabiso enyukayo ahamba, unokufuna ukuvala imali mboleko yakho . Ababolekisi bahlawula ngokukhawuleza kwinqanaba elithile ukuvala umyinge wemboleko kunye namanqaku. Buza umboleki wakho:
- Ingaba uhlawula intlawulo yokuvalela inzala yam inzala?
- Ingaba ukukhiya ukukhusela zonke iindleko zemboleko?
- Uzakuvala ixesha elingakanani le nqanaba?
- Ngaba uza kundinika i-lock loan ngokubhala?
07 Ngaba kukho ikhowulo lokuhlawulwa kwangaphambili?
Kwamanye amazwe, izigwebo zokuhlawulwa kwangaphambili azivumelekanga, ngoko zibuze. Ngokuqhelekileyo, izigwebo zokuhlawulwa kwangaphambili zivumele ukuba umnini-mboleko aqokelele ezinye iinyanga ezintandathu ezongezelelweyo "zesithakazelo esingafumaniyo" ukuba uhlawula umboleko ngokukhawuleza ngokuhlaziywa kwentengiso kwipropati. Qiniseka ukubuza:
- Ingakanani isigwebo sokuhlawulwa kwangaphambili?
- Yiyiphi imigqaliselo yokubhalwa kwangaphambili? Ezinye zisebenza kuphela kwiminyaka yokuqala yesi-2 kuya kwe-5 yemboleko.
- Ingaba isigwebo sokuhlawulwa kwangaphambili siza kusebenza xa ndayicwangcisa ngethuba lomhla?
08 Ngaba uxhotyiswe ukuVumela iMali kwiNdlu?
Abancinci bahlaziya iimboleko kunye nokukhupha iimeko phambi kokuvuma okanye ukulahla imali mboleko .
- Buza ukuba umnini-mboleko angakwazi ukuphatha phantsi kwakhe.
- Imali-mboleko ye- VA kunye ne- FHA ithatha ixesha elide ukuqhuba, kodwa abanye ababolekayo bahlangabezana neemfuno zikaRhulumente ukuba bavume okanye bavume ukubolekisa ngemboleko ngaphandle kokuyithumela kwi-VA okanye i-FHA.
09 Kufuneka Uninzi Kangakanani Imali?
Umyinge wexesha lokuhlawula iikhredithi liwela phakathi kweentsuku ezingama-21 ukuya kwe-45. Ukubhala ngokufanelekileyo isivumelwano somthengi , kuya kufuneka uquke umhla wokuvala, kwaye loo mhla kufuneka ulungelelaniswe nomboleki wakho. Fumanisa:
- Yiliphi ixesha lakho lokubuya elilindelekileyo?
- Ziziphi izithintelo ezinokubamba ukuvala?
- Kuza kube nini emva kokuvunywa kwesicelo sokugqibela esiza kuhlawulwa imali ?
10 Ngaba Uyaqinisekisa ukuba ukuvalwa kwexesha lokugqibela?
Umba omkhulu uvala ukuthengiselana kwakho ngexesha. Isivumelwano sakho sokuthenga siza kuba nomhla wokuvala ukucima, kodwa loo mhla ngokuxhomekeke kumandla omboleki wokuvala ngexesha. Ukuba umbolekisi akakwazi ukuvala ngexesha, oko kunokuthetha iindleko ezongezelelweyo okanye iingxaki kumthengi onjenge:
- Ukwandiswa kwezinga lomyinge ukuba ikhekhi iphela
- Iindleko ezongezelelweyo ukuhlawula abahlawuli ukuba bahlawule
- Ukulahlekelwa kwekhaya xa iqeshiso lokuqeshisa umthengi liphelile.
Yiya kwiPHEPHA LESIBINI: Iimpendulo kwiMatter Broker Questions
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.