Thenga Intengiso entsha
Nangona imoto entsha iya kuba nethegi ephezulu, intsha imoto oyithengayo bhetele inqanaba lomdla oza kunikwa ngalo. Abathengisi banako ukugcina amaxabiso abo angcono kakhulu kwiimoto ezintsha zorhwebo ukuze nangona kuthengwa kwexabiso eliphezulu, ungasindisa imali ebomini mboleko. Abanye abathengisi banokunikela ngemboleko engenasithakazelo kwaye, ngelixa ezi aqhelekanga, zenziwa kuphela kwizithuthi ezintsha.
Kukho isibalo sezizathu zokuba ukuxhaswa kwemoto entsha kuza kunika inzala engaphantsi. Oyintloko kukuba, xa uyeka ukuhlawula umboleko kunye nokusilela, umthengisi unengcamango engcono yokwehla kwenani lezithuthi kunye nokubuyiswa kwexabiso. Oku kunciphisa umngcipheko kunye noxanduva. Esinye isizathu kukuba iinkampani ezithengisa imoto emitsha zihlala ziphethwe ngabenzi bezimoto, kwaye ke ziyakwazi ukunikezela ngezinga eliphantsi njengenkuthazo. Kumthengi, imoto entsha iza kunye nenzuzo eyongeziweyo yewaranti yomenzi kunye nethuba elingaphantsi lokungaphumeleli kombane.
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Akukho nto inempembelelo enkulu kumazinga enzala afumanekayo kuwe kunokuba akhokhwa ngetyala. Ixabiso lakho lokuthenga ngetyala libonelela ngababolekisi ngembali yokuthembeka kwakho kwezemali. Ukuba ubonakala ungathembeki, uya kuthathwa njengomngcipheko ophezulu, kwaye oku kuya kubonakaliswa kwinqanaba lomdla uya kunikwa.
Ukuqinisekisa ukuba unetyala lokuthenga ngetyala lilula - hlawula iibhokhwe zakho ngexesha. Nangona nayiphi na imali yokugqibela okanye ilahlekile iya kuphazamisa ukulinganiswa kweentengo zemali, ukuhlawulwa okungekho kumakhadi-mboleko, iimboleko zemali, iimali-mboleko zemoto okanye iimali zokuthenga imali, kuya kuba nefuthe elikhulu. Nangona ukuhlawulwa kwexesha elilodwa kuya kubangela ukuba amanqaku akho ekhredithi ayeke.
Isixa semali-mboleko oye sabalaseleyo sinokuchaphazela ukulinganiswa kwekhredithi yakho. Ukuba unetyala elininzi, nokuba iintlawulo zakho zikhoyo, oku kuya kunciphisa amanqaku akho. Ngokufanayo, ukuba nenkokhelo eninzi ekhoyo, umzekelo kumakhadi amaninzi eemboleko, nangona zingasetyenziswanga, unokuchaphazeleka. Ababoleki baya kuqwalasela ukuba unokwenza isigqibo sokuba ube nemali yokuchitha imali engakushiya ngembuyekezo ephezulu, oku kuthetha ukuba awukwazi ukuhlawula imali mboleko yakho. Kungcono ukuba nekhadi lamatyala ambalwa nje, mhlawumbi angakhange axhunywe ngaphandle kwenani elikhulu.
Ngamanye amaxesha, kungakhathaliseki ukuba unokwethenjelwa kangakanani, iinkampani unemali ukuba wenze iphutha. Bangathumela ulwazi olungalunganga kwi-arhente zokubhengisa iitaliti, ezinokuchaphazela amanqaku akho. Ngenxa yoko, ukujonga rhoqo ingxelo yengxelo yemboleko kubalulekile. Ngewebsite yakwaRhulumende ye-AnnualCreditReport.com ungacela ikopi yamahhala yenkcazelo yakho kwi-arhente nganye yeentengiso ezintathu (Equifax, Experian and TransUnion) kanye ngonyaka.
Ukuba kukho iimpazamo kwingxelo yakho, unokuthatha inyathelo ukuba ulungiswe.
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Nangona u-sign-co-sign does not guarantee a rate of interest in your loan loan, inokukunceda. Abanye ababolekisi baya kuqwalasela kuphela izicelo kunye ne-sign-signer, oku kuthetha ukuba awuyi kufaneleka ukuboleka imali ngaphandle kweyodwa. Oku kungenxa yokuba umnxibelelwano osebenzayo uxanduva lokubolekisa imali xa ufanelekile, oku kuthetha ukuba umbolekisi unako ukufumana imali.
Ngenxa yesi sizathu, ngelixa umnini-mali uya kubala inani lentengo yemboleko yemoto esekelwe kwinqanaba lakho lokuthenga ngetyala, umnxibelelwano uya kufuneka ahlangabezane neemfuno ezithile. Oku kufaka zombini amanqaku okuthenga ngetyala kunye neengeniso, okuya ku funeka baqinisekise.
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Nangona amaxabiso athengiswa ngumthengisi angabonakala ekhangayo, yenza uphando lwakho ngaphambi kokuba usayine isivumelwano.
Inani lemibutho linikezela ngemali-mboleko, kuquka amabhanki, imibutho yamatyala, iinkampani zezezimali kunye nababolekisi be-intanethi. Bonke baya kuhlola ukufaneleka kwakho kwemali-mboleko usebenzisa i-criteria echaseneyo, kwaye ke kuya kunika amaxabiso ahlukeneyo. Ezinye iibhanki kunye neemanyano zeentengo zemali zibonelela ngamanani angcono kumakhasimende akhona ukuvuza ukunyaniseka kwabo.
Ngaphambi kokuthetha nomthengisi ngezemali, fumana umboleko ovunyiwe ngaphambili. Ukuba nesibonelelo akuthethi ukuba uzibophezele ukuboleka kuloo ntlangano. Kodwa ke, inikezela ubungqina obunamandla bokuba uza kubaleka njani ukuxhasa imali yakho yokuthengwa kwemoto, kwaye ikunikeze umgangatho xa kufikelelwe ekugqibeleni isivumelwano. Njengoko abathengisi bahlala benengqiqo xa kufikelelwe ekuvumelaneni nemicimbi, ukunikezelwa kwemali-mboleko eqinileyo kuya kwenza ukuba uxoxiso lwakho lube namandla ngakumbi.
Ngoxa kungekho nanye kula ma nyathelo anokuqinisekisa ukuba inzala ephantsi, ukuyisebenzisa ngokudibeneyo kuya kukunceda ufumane inqanaba elihle lezala. Kuthatha ixesha elincinane kunye nokucwangcisa ukwenzela ukuba unesimo esinamandla kunokuba uxoxisane nomlinganiselo omkhulu.