Fumana iFit Fit
Yintoni Umsunguli Wemali Owenzayo?
Umsunguli usebenza nabboleke ukuvavanya iimboleko kwaye kunceda ukuqinisekisa ukuba umboleko uyaxhaswa ngemali xa kufuneka.
Ukuze benze njalo, abaqashi bemali mboleko bafumana iinkqubo zokuboleka imali ezihambelana nemeko yomboleki, kwaye zikhokela abafaki-zicelo ngenkqubo. Bancedisa abathengi ukuqokelela ulwazi olufunekayo ukuvala imboleko, uqinisekise ulwazi, kwaye ulungelelanise xa kukho nayiphi na imibuzo ephakamileyo ngexesha lokubhala phantsi .
Ukuba ukhona kwimarike-mboleko-okanye uza kuba unyaka ozayo okanye ezimbini-kufunda malunga neenkonzo kunye nezikhetho ezikhoyo kuwe. Ukuqala incoko yokuqala kukuvumela ukuba ufumane umboleki ofanelekileyo, ugweme imipu, kwaye wenze ezinye izinto ezenza uncedo. Ngokuqhelekileyo kukho intlawulo yemvelaphi yemali mboleko , ukuba kufuneka uhlawule.
Bafunda Izidingo Zakho Neemeko
Umboleki wemboleko mhle makacele imibuzo eninzi. Ukuze ufumane imboleko efanelekileyo kwaye ufumane umlinganiselo ophezulu, baya kufuneka bazi kangangoko kunokwenzeka.
Isimo sengqesho : Abaqashi bemali bayayifuna ukuqonda imbuyekezo yakho. Ukuba ungumqeshwa we-W2, izinto zilula.
Kodwa imbali yakho yomsebenzi, ingeniso yebhonasi, kunye nezinye izinto zingabangela iingxaki. Kubantu abaqeshwe ngabanye okanye abo basebenza njengonkontileka ezizimeleyo, kubaluleke kakhulu ukuxoxa ngeenkcukacha zengqesho--kude ube usomashishini, iindidi zokubanjiswa kwakho kunye nokunye.
Ipropathi oyithengayo: Kuxhomekeke kwinto oyithengayo, ukhetho lwakho luyakunqunyulwa. Kubalulekile ukuxoxa ngeenkcukacha malunga nayipropati enayo engqondweni yakho nomboleki wakho. Umzekelo, ii-condos kunye neempawu ezithile ezingenako ukufumana ezinye iinkqubo zembolekiso-kodwa ezinye iinketho zihlala zikhoyo. Ukuba awunayo ipropati ethile ithathwe ngaphandle, vumela umniki-mboleko wakho ukuba azi ukuba ufuna ntoni.
Bayazi Iindlela Zakho Zokubolekisa
Unokuba neenkqubo ezininzi zemboleko ezikhoyo ukuba zikhethwe, kwaye umqambi onokwazi uza kufumana zonke iziqwenga ze-puzzle ukuze athole imboleko oyifunayo. Izinketho zakho kuxhomekeke kwi:
- Imbali yakho yekhredithi kunye nengeniso
- Ubungakanani bokuhlawula intlawulo oceba ukuyenza
- Uhlala phi na uhlobo lwepropathi oyithengayo
- Ubume bakho njenge-servicemember
- Ityala lakho elikhoyo kunye neentlawulo zenyanga
Iinkonzo eziqinileyo kunye neengxaki: Umsunguli wemboleko owaziyo uyazi ukuba zeziphi iimali-mboleko ezinamalungu abolekiweyo abahlukeneyo, kwaye abaphambili abakuqalayo banceda ukuqonda ukuba izigqibo zakho zichaphazela njani iimali zakho. Baya kufaka iikhokhelo ezininzi zeentengo zemboleko kwaye baxoxe ngeenzuzo kunye neengxaki ngamnye, kukuvumela ukuba ukhethe okulungileyo kuwe.
Umzekelo omzekeliso uvela kuLynn Whipple, umenzi-mboleko onikwe ilayisensi eMontrose, CO.
Njengoko echaza, iinkqubo zikaRhulumente ezifana ne-FHA mboleko zivumela ukuhlawula iintlawulo eziphantsi kweepesenti ezingama-3.5, kodwa intlawulo ephantsi ifuna ukuba ukhokhe i-premium yenyanga yemali ye-inshurensi yemali yokuboleka imali. Kwimali-mboleko yeminyaka engama-30, ezo ndleko ze-inshurensi zibalulekile. Ezinye iinkqubo eziqhelekileyo zivumela ukuba wenze inkokhelo efanayo-ngoko kuya kufuneka uhlawule i- inshurensi yangasese yemali-mboleko- kodwa unokuyinqanda inyuseko xa usakha ukulingana okwaneleyo kwikhaya lakho.
Yiyiphi indlela efanelekileyo? Kuxhomekeke kwimeko yakho kunye nezinto ozikhethayo. Emva kokufunda malunga neemfuno zakho, umboleki-mboleko unokunika iinkcazo ezicacileyo ukukunceda ukuba unqume ukuba yeyiphi indlela oza kuyithatha. Uyazi ngokuqinisekileyo ukuba intlawulo yakho yenyanga, iindleko zenzalo, kunye neendleko zomshuwalense zibukeka ngathi kwipropati oyibolekayo.
Esikhundleni sokuqaphela ukuba yeyiphi inkqubo efanelekileyo, unokubona yonke into kwiidola kunye neentsenti, inyanga ngenyanga. "Amanani anceda," utshilo.
Indlela Yokufumana Umsunguli Olungileyo
Uza kuba namava angcono kakhulu ekubolekeni ukuba usebenza nomxhasi oncedo, onokwethenjelwa, onyanisekileyo. Ukuze ufumane enye, cela abahlobo, intsapho, kunye nabaqeqeshi abathembekileyo abacebisayo. Abameli be-estate properties abanamava nabanikezeli bemboleko bendawo, ngoko bayazi ukuba ngubani owenza ubomi bube lula-kwaye ngubani ongenalo.
Qaphela ukuba ngubani ongaphathi imibuzo yakho ngokungundoqo okanye othe wuleza ukuba uthembisa ukuba yonke into iya kusebenza kakuhle. Njengoko i-Whipple ibhala, "iingxakini azizange zilungele" kwihlabathi elibolekayo. Ewe, awufuni ukupakisha kwaye uphume ekhaya lakho elikhoyo kuphela ukuba ufumane ukuba kukho ingxaki ngezimali zakho. Abaqalayo kufuneka basebenze kwaye bahlale benolwazi kwinkqubo yesicelo.
Kucetyiswa ukuthenga ngeenxa zonke, kwaye unokufumana iimali-mboleko ezivela kwimithombo eyahlukeneyo.
Iibhanki zendabuko kunye neemanyano zemboleko zemali zibonelela ngemali mboleko yasekhaya ngamagosa abolekiweyo kubasebenzi. Bangaba nomnikelo othe wancinci, kodwa ungayifumana into oyifunayo. Unokufumana amaxabiso aphantsi kunye nemirhumo ukuba unayo idipozithi ebalulekileyo kula maziko.
Abathengi bempahla bathengisa abathengi abaninzi kunokuba badibanise naziphi na iziko. Ngabathengisi, kunokufumana ithuba lokuxoxisana neentlawulo. Nangona kunjalo, isigqibo esiphezulu sokuboleka imali sisuswe kude nomthengisi uceba ubudlelwane.
Ababolekisi abazimeleyo bavela ngeendlela ezahlukeneyo. Baya kufaka imali yabo mboleko kwaye basebenzise amasebe asekuhlaleni nabangaphantsi kweendawo, okanye bangasebenzisa ngokupheleleyo i-Intanethi. Aba babolekisi baye bafumana isabelo semarike kwiminyaka yamuva kwaye baba nedumela lokuvala iimali-mboleko ngokukhawuleza, ezinokukunceda ukuba ungowesiganeko esifutshane.
Iigama kunye nezihloko zidibanisa, ngoko ubuze indlela ababolekisi abanokusebenza ngayo. Kwakhona, kunokwenzeka ukuba umnini-mboleko asebenze ngeendlela ezininzi: Ukunikezela ngemali-mboleko yangasese, yangasese kunye nokubolekwa kwemali mboleko okanye ukubonelela ngemali evela kwiibhanki.