Imali enzima kangakanani Imali-mboleko isebenza
Xa iimali-mboleko kufuneka zenzeke ngokukhawuleza, okanye xa abathengi bendabuko bengayi kuvuma imboleko, imali enzima ingaba yedwa okukhethwa kukho. Makhe sihlolisise indlela ezi mboleko zisebenza ngayo.
Yiyiphi Imali Enzima?
Uninzi lwemali mboleko lufuna ubungqina bokuba ungabahlawulela.
Ngokuqhelekileyo, ababolekisi banomdla kwizikolo zakho zemali kunye neengeniso zakho ezikhoyo ukuhlawula imali mboleko. Ukuba unembali eqinileyo yokuboleka ngokufanelekileyo kunye nokukwazi ukubuyisela imali-mboleko (njengoko kulinganiswa ngetyala lakho kwinani lemali engenayo ), uya kufumana imboleko.
Ukufumana imvume kunye nomenzi-mboleko wendabuko yinkqubo ephosakeleyo kakhulu- nangona amanqaku amaninzi amatyala kunye nokufumana ininzi yengeniso. Ukuba unemiba engalunganga kwiingxelo zakho zeentengo zemali (okanye ingeniso engenzima ukuqinisekisa ukuba uneliseko lomthengisi wakho), le nkqubo ithatha ixesha elide kwaye ungeke uvumeleke.
Ababoleki bemali abanomsebenzi bathatha indlela eyahlukileyo: babolekisa ngokubambisa imali yokubolekisa imali , kwaye abaxhalabele kakhulu malunga nokukwazi ukubuyisela. Ukuba kukho into engalunganga kwaye awukwazi ukubuyiselwa, ababolekisi bemali abanzima balungiselela ukubuyisela imali yabo ngokuthatha i-collateral and selling it. Ixabiso lebhondi libaluleke ngakumbi kunokuba isikhundla sakho semali.
Imali-mboleko yemali enzima ngokuqhelekileyo imali-mboleko yexesha elifutshane , elihlala ixesha elide ukuya kwiminyaka emihlanu. Ngeke ufune ukuyigcina ixesha elide kunokuba kunjalo, kuba inzala yemali enzima ngokuqhelekileyo iphakamileyo kuneyona mboleko yemveli.
Kutheni Usebenzisa Imali Yemali?
Ukuba imali enzima iyabiza, kutheni ungayisebenzisa?
Imali enzima ineendawo zayo kubaboleki abathile abangenakufumana inkxaso yemveli xa beyidinga.
Ukukhawuleza: kuba umboleki-mali ujolise kakhulu kwizinto zokubambisa (kwaye ungakhange uxhomekeke kwisimo sakho semali), iimali-mboleko zemali ezinzima zivaliwe ngokukhawuleza kunemali-mboleko yemveli. Ababolekisi abanakukhetha ukungathathi ipropati yakho, kodwa akudingeki ukuba bachithe ixesha elininzi behamba nesicelo sokubolekisa ngemali edibeneyo-ukuqinisekiswa kwengeniso yakho, ukuhlaziya iingxelo zebhanki, njalo njalo. Emva kokuba ulwalamano kunye nomboleki, inqubo inokuhamba ngokukhawuleza, ikunike amandla okuvala iintlobo abanye abangenako ukuvala (oko kubaluleke kakhulu kwiimarike ezishisayo kunye nezibonelelo ezininzi).
Ukunyaniseka: izivumelwano zemali ezinzima zinokuthi ziguquke ngakumbi kunezivumelwano zemali zemveli. Ababoleki abasisebenzisi inkqubo ebhalwe phantsi . Esikhundleni saloo nto, bavavanya nganye inkqubo nganye. Ngokuxhomekeke kwimeko yakho, unokukwazi ukulungisa izinto ezifana nehedyuli yokubuyisela. Unokuba uboleke kumntu ozimisele ukuthetha - kungekhona inkampani enkulu kunye nemigaqo eqinile.
Ukuvunyelwa: into ebaluleke kakhulu kubalimi abanomdaka onzima. Ukuba uthengisa ipropati yotyalo-mali, umboleki-mboleko uya kuboleka kakhulu njengoko loo propati ifanelekile.
Ukuba ufuna ukuboleka kwipropati eyahlukeneyo, loo xabiso lepropati yinto enokukhathalela ngayo umboleki. Ukuba unesigxina okanye ezinye izinto ezimbi kwiingxelo zakho zemali-mboleko, kubaluleke kakhulu - abanye ababolekisi abanako ukukhangela i-credit yakho (nangona abaninzi ababolekayo baya kubuza malunga nezimali zakho).
Uninzi lwababolekisi bemali abanzima balondoloza ukulinganisela kwemali-mboleko (ii- LTV ). Isiqingatha sabo se-LTV sisinokuba ngu-50% ukuya kuma-70%, ngoko ke uya kufuna iimpahla ukuze ufumane imali enzima. Ngama-ratios aphantsi, ababolekayo bayazi ukuba banokuthengisa ipropati yakho ngokukhawuleza kwaye banokudubula ngokufanelekileyo ekubuyeleni imali yabo.
Ngabe i-Hard Money yenza Sense nini?
Imali-mboleko yemali enzima yenza ingqiqo emfutshane ngemali-mboleko emfutshane. I-Fix-and-flip abatyali-mzekelo ngumzekelo omhle wabasebenzisi beemali ezinzima: banepropati nje ixesha elide lokwandisa ixabiso - abahlali khona ngonaphakade.
Baza kuthengisa ipropati kwaye babuyisele imali mboleko, kaninzi ngaphakathi konyaka okanye njalo. Kungenzeka ukuba usebenzise imali enzima ukuze ungene kwipropati uze uhlale apho, kodwa ufuna ukuhlaziya ngokukhawuleza xa unokufumana imali mboleko engcono.
Imali eNgqongqo yeMali
Imali enzima ayigqibekanga. Nangona kubonakala kubulula - i-asethi igcina imali-mboleko ukuze wonke umntu ukhuseleke-imali enzima yinto enye kuphela. Kubiza, ngoko izinto kufuneka zisebenze ngokucwangcisa isicwangciso sokufumana inzuzo. Imali enzima isebenza ngokwahlukileyo kwimali-mboleko enokuyisebenzisa ngaphambili. Ababolekisi bangasebenzisa iindlela ezininzi zokulondoloza impahla ngaphandle kokuba ulindele. Funda kabanzi malunga neengcingo zemali ezinzima .
Iindleko: iimali-mboleko zemali ezinzima zibiza. Ukuba unako ukufumana ilungelo lokufumana ezinye iifom zokuxhaswa ngemali, unokuphuma phambi kwezi mboleko. Umzekelo, iimali-mboleko ze-FHA zivumela ukuba ubole ngisho nekhredithi engaphantsi-epheleleyo. Lindela ukuhlawula iirhafu ezimbini zamanani enzima kwimali enzima, kwaye unakho ukuhlawula imali yemvelaphi yamanqaku amaninzi ukuze uhlawule ngemali.
Ukuba awukwazi ukuvunyelwa kwemboleko ngenxa yokuba ipropati yakho idinga ukulungiswa okunzulu, umboleko we-FHA 203k unokuhlawula ukulungiswa kwindleko ephantsi.
Ukufumana ababolekisi bemali enzima
Ukuboleka imali, uzakufuna ukudibaniswa nabatyalomali. Ukuze wenze njalo, khangela ukuba ngubani ohlala kwindawo yakho oboleka imali ngokusekelwe kwinqatyana. Abameli beendawo zendawo yokuhlala kunye namaqela atyali-ntengiso yindawo efanelekileyo yamagama. Finyelela kubalimi abambalwa, xubushe iimfuno zakho, kwaye uhlakulele ubudlelwane ukuze ukwazi ukuxhasa iiprojekthi ngokukhawuleza kwaye kulula xa kufika ixesha.