Ukuba ndiza kukuxelela ukuba ukuzama ukufumana nokuthelekisa ixabiso eliphezulu lokuthenga imali ngumsebenzi onzima, usenokuthi kunzima ukukholelwa. Ingxoxo yakho ingaba kukuba konke okufuneka ukwenze kukuya kwiwebhsayithi eyaziwayo njengebhanti.com kunye nazo zonke iirhafu zemali ekhokhwayo zilapho ukuze ubone. Enye yezinto ongazibonayo, nangona kunjalo, iindleko zokufumana imali mboleko. Ukuqhubela phambili, amaxabiso aya kutshintsha.
Amaxabiso awaqinisekanga.
Akumangalisi ukuba imeko nganye yokuxhaswa ngemali iyingqayizivele. Kukho izizathu eziza kugqiba ukuba yeyiphi inqanaba lokuthengwa kwemali onokukwazi ukufikelela ekugqibeleni. Ezinye zezo zinto zi:
- Injongo yeNgxowa-mali yeMboleko. Ngaba umboleko wakho ukuthenga indawo yokuhlala eyona ndawo, ikhaya lesibini, ukuqesha, okanye ukuhlaziywa kwemali, okuhluke kwi-refinance ecacileyo. Ukuhlaziywa kwemali ngokukhawuleza kudla ngokukhawuleza kunomyinge ophezulu ohlawulela umboleko okhoyo kwaye unganiki imali kumboleki.
- Yiyiphi imilinganiselo yokubolekisa ngemali-mboleko? Ngokuqhelekileyo, iimali-mboleko eziphezulu ziphezulu zinomyinge ophezulu. Ababolekisi banikezela umngcipheko wokubambisa imali, kwaye umlinganiselo omncinci we-loan-to-value ratio umngcipheko omncinci kumboleki. Ngokomzekelo, ukuba ubeka i-50 ekhulwini ngemali ukuthenga ikhaya le-200,000, umboleko wakho uza kuba ngumlinganiselo we-50% wemali-mboleko. Ukuba unokungagqibekanga kwi-mortgage, umboleki-mboleko ukhuselwe ngumlinganiselo omkhulu wobulungisa.
- Iphi Isilinganisi sakho seFICO? Ukuphakanyiswa kwakho kwinqanaba, inzala enomdla kakhulu oya kufumana. Umboleki usebenzisa i-injini eyahlukeneyo ukufumana amanqaku e-FICO kunokuba ungayifumana kwi-arhente ye-3 yokuthengisa ngetyala.
- Ude Usebenze Kangakanani Kwixesha Lakho? Kungekudala umthengi wekhaya wayevinjiwe ekuthengeni ikhaya kuba umqeshi wakhe wayeyinkampani yesikhashana, kwaye igosa lakhe lemali-mboleko ye-mortgage lahluleka ukuqaphela ukuba i-stubs yayo yokubhadela ayibonakali igama lenkampani apho asebenza khona. Wayeneminyaka engama-3 ukusuka ekuvaleni xa efumene imboleko yakhe yamkelwa.
- Ngaba Unayo Inkokhelo Yokuxhatshazwa? Ngaba nawe (okanye umlingane owayesakuba ngumyeni) owake wafaka isicelo sokutshatyalaliswa, ukugqithisa, ukugqitywa kwempahla emfutshane okanye ukugqithisa nawuphi na umboleko? Iimfuneko zokubolekisa iimali ziye zaqiniswa ukususela kwi-market crash ka-2007.
Awukwazi ukugqiba ngokwaneleyo uninzi lwezi zinto kwiwebhusayithi. Udinga ukuthetha nomntu, igosa lemboleko mboleko. Andiyibhalanga yonke into eyenziwa phantsi komgcini - phantsi ukuze kuqinisekiswe ukuba ngaba uya kuvunywa yini ngemboleko. Kukho imiba emininzi edinga ingqalelo yongcali. Bambalwa abantu abayi-slam-dunk kwishishini lokuthenga imali.
Okumangalisa kukuba, abantu abazama ukufumana nokuthelekisa ixabiso elithengiswayo lokubambisa i-mortgage do not always end with the rate they thought they would receive. Ngaphezulu, oku kungenako ukufumana iingcebiso ezifanelekileyo, ukukhokelwa okanye ukuthengiswa kwemali mboleko. Abaphathi bemali mboleko mboleko banjengeyiphi enye ingcali. Unobulungile, umbi kunye nomnye umntu phakathi.
Imirhumo yokuThengiswa kweMali iyavumelana
Kuphela malunga nabanini-mboleko ngaphandle kweendlela zangasese zebhanki banokufikelela kwisikhwama esifanayo semali. Ukuba i-LTV yakho ubuncinane ngama-80 ekhulwini kunye nomlinganiselo wakho we-FICO ungaphezu kwama-800, iirhafu zakho ziya kufana nokuvela kumboleki kumboleki.
Unokufumana ikhefu kwimirhumo ngenxa yeemeko zemarike ezitshintshiyo yonke imini, ukuphakanyiswa okanye umkhiqizo omtsha. Kodwa mhlawumbi ngeke kutshintshe ngaphezulu kwama-125 ekhulwini. Yiyo-1/8 yephuzu.
I-1/8 yeyona ngongoma yemali engama-300,000 ingabangela ukungafani kwentlawulo ye-$ 22 kwinyanga phakathi kwe-4,5 ekhulwini kunye ne-4.625 ekhulwini ngemali-mboleko yeminyaka engama-30. Unokuthi iintlawulo ezingaphezulu kwe-360 eza kuba zi-$ 8,000, kodwa inyaniso abantu abaninzi bathengisa kwaye bahamba ngaphambi kweminyaka engama-30. Okanye bahlengahlengisa imali. Ngoko ke loo mahluko akahlawulwa ngaphandle kwekota-30.
Ukuqhubela phambili, ababolekisi bahlawulisa ababolekayo ukuba benze imali mboleko. Lezo ntlawulo, ezibizwa ngokuba ngamagqabantshintshi, amanqaku okuphuhlisa kunye neemali zokuqala, zichaphazela izinga lakho lokuthenga. Ukuba ubona izinga eliphantsi lokuthengiswa kwemali, kubakho ukuba kubanjwa. Mhlawumbi kuya kuba neendleko zokufumana loo mboleko.
Mhlawumbi loo mboleko ayikho umboleko wemali echanekileyo, mhlawumbi i-mortgage rate rate. Ababolekisi banokubhengeza ngale ndlela ukuze ubabize kwaye banokukufaka, ukuthungela umsi kunye nezibuko. Buza imibuzo.
Abanye abbolekayo bathanda ukusebenzisa ababolekisi bemali e-intanethi kuba banomuva wokuba bafumane kwaye baqhathanise amazinga omhlalaphantsi ngokulula kwi-intanethi. Kwakhona, i-intanethi ye-intanethi ayibonakali ibali lonke. Kukho ubunzima obuya kuvela xa usebenzisa ababolekisi be-intanethi abavela kwimali mboleko kwezinye iindawo, nabo. Ndisandula kubakho umbolekekisi esebenzayo kunye nomthengisi we-intanethi evela e-Chicago. I-Chicago iyure leeyure ezimbini phambi kwethu eCalifornia, eyabangela ubunzima bezonxibelelwano. Kwakhona, umnini-mboleko wasebenzisa inkampani yolawulo lwe-appraisal ukusuka eStockton xa ipropati yayifumaneka ngeyure e-Sacramento, eyabangela ukuhlolwa okuphantsi .
Esikhundleni sokuzama ukufumana nokuthelekisa ixabiso eliphezulu lokuthenga imali, ndincoma ukuzama ukufumana i-lender best. Umthengi ogqwesileyo kakhulu uhlala kwindawo. Ingaba ngumanyano wakho wemali-mboleko, apho ubhanki okanye i-mortgage lender inconywe ngummeli wakho wezindlu. Ama-agent agunyazisiweyo angayazi ukuba ngabaphi abathengi abasondeleyo ngexesha kwaye bazinyame ukuphepha iimpazamo. Qinisekisa ukuba igosa lakho lemali-mboleko yemali ebolekwe ngemali libonelelwe ngenkonzo yokubonelela ngenkonzo engcono.
Kwakhona, ungagcinanga ubukele umyinge wemali emva kokuba ukhethe umboleko wemali mboleko, uzibuza ukuba kukho imali ebolekileyo ngaphandle apho. Oku kuya kukuqhubela kuphela iinqatha. Abaninzi ababolekayo ndiyazi baya kuguqula umlinganiselo wakho phantsi ukuba i-marhwebo iyanqumla phantsi emva kokuvala umboleko .
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.