Iingcebiso zokuphepha iingxaki malunga nokuboleka imali
Ukubuyiswa kwemali ye-mortgages yindlela yokukhetha kubanikazi bemizi, kodwa abayiyo ingqiqo kubo bonke abantu. Ukuba wena kunye neenjongo zakho awufanelanga iphrofayili elungileyo, imali yokuthenga imali ingaguqukela ibe yinto ebomvu kuwe nakwentsapho yakho.
Le mboleko iguqukile ukuba ibe yindleko encinci kunye nabathengi abanomdla, kodwa ziyanzima. Mhlawumbi kubaluleke kakhulu, ukuphuma kwipropati yokuthenga imali ingakhohliswa xa utshintsha ingqondo yakho.
Ulawulo lwezinye iindlela
Ngaphambi kokuba usebenzise i-mortgage mortgage, hlalutya zonke iindlela. Unokuba nezinye iindlela ezikhoyo, kwaye usenako ukushiya umnyango uvule umboleko wexesha elizayo. Ngokuxhomekeke kwikharityhulam yakho yezindlu, kungase kube ngcono ukulinda ixesha elide kunokwenzeka ngaphambi kokufaka isicelo sokuhlawula imali yokunyuka kwemali - ukunyuka kwamanani entluko kunye nentlawulo yemigangatho ibambisana, engenako. Izicwangciso ezingezinye zinokukunceda ukulibazise ukuboleka okanye ukuphepha ukuboleka imali yonke.
- Ukunciphisa: Ukuba unobulungisa obukhulu ekhaya, kukho iindlela ezininzi zokuguqula imali. Enye inketho kukuthengisa nje impahla yakho. Emva kweminyaka engama-62, abanikazi abathile bakulungele ukuphelisa imisebenzi kunye neendleko zokugcina ikhaya elikhulu, ngoko ukunciphisa ingakunceda ukuba ufumane imali kwaye wenze lula ubomi bakho. Enoba uthenga indawo engabizi kangako okanye uqale ukuqesha, kufuneka ukwazi ukukhulula imali ethile. Unokuba usuqhekeze ezo ndleko zempahla, ngokukodwa xa ulindele ukufuduka ngaphandle kwendlu,
- Thengisa kwintsapho: Ukuba awukakulungeli ukuphuma ngoku, unokukwazi ukuthengisa ilungu losapho elinomdla kwikhaya lakho. Ukuba yonke into isebenza, unokuhlala uhlala kwipropati yakho, wenze iintlawulo zentlawulo kwilungu losapho ubomi bakho bonke. Xa usweleka, loo propati iya kuba yithuba kwaye umnini unako ukwenza nantoni na ayifunayo. Ezi zintengiselwano ziyinkimbinkimbi, kodwa ummeli olungileyo kunye nomcebisi werhafu unokukwenza kalula umsebenzi. Ukulawula ubudlelwane kunye namalungu entsapho inokuba yinxalenye ebunzima kakhulu.
- Mboleko ": Esikhundleni sokufumana imali yokuboleka imali, ngaba unokufumana imali engaphezulu yemali mboleko ? Uzakufumana ingeniso eyaneleyo ukuze ufaneleke , kodwa uya kuba neenketho ezingaphezulu kwaye mhlawumbi unetyala elingaphantsi xa uthatha le ndlela. Thelekisa iindleko zomdla kunye neendleko zokuvala kwaye ubone oko kusebenza kakuhle.
- Fumana okunye: Unokuthatha umhlala phantsi, kodwa ngaba ukhona na umsebenzi onokuwenza kwaye uzimisele ukwenza ukuze ufumane iziphumo? Uza kusindisa i-bundle kwaye inokuba yinto enhle kwimpilo yakho. Oko kwathiwa, gcina iso kwiphina impembelelo kwiirhafu, ukhuseleko lwezeNtlalo kunye nezinye izibonelelo .
Lezo zimbono nje ezimbalwa. Yenza ubuchule kwaye ubone ukuba kukho isisombululo esipheleleyo kwimeko yakho . Xoxa nabacebisi ngezezimali kunye nabacebisi bezezikweletu ukuba bafumane imibono yesibini phambi kokuba uqhube phambili.
Ikhaya loBomi
Ukutshintshwa kwemali-mboleko kusebenza kakuhle xa wena-kunye nomlingane obolekayo xa utshatile - cwangcisa ukuhlala ekhaya lakho ubomi bakho bonke kwaye uvumele izindlalifa zakho zithengise ikhaya emva kokufa kwakho. Ukubuyiswa kwemali-mboleko kufuneka kuhlawulwe xa umboleki wokugqibela efa okanye "ngokusisigxina" ephuma ngaphandle kwendlu, kuquka ukufuduka kwexeshana naphi na indawo, njengokuncedisa ukuhlala, kwiinyanga ezili-12.
Kwiimeko ezinzima kakhulu, iqabane okanye iqabane elingabhalwa njengomboleki-mboleko kwimali mboleko kunokufuneka uhambe.
Okufanayo kubantwana okanye abanye abaxhomekeke kwikhaya kunye nawe. Ukuba abanako ukuhlawula imali mboleko, kuya kufuneka bahambe. Oku kunokuphazamisa kakhulu.
Iindaba ezilungileyo kukuba iindlalifa zakho aziyi kuhlawulwa ngaphezu kwexabiso lexabiso lekhaya okanye ixabiso lemarike-nangona uboleke ngaphezu kwekhaya okwangoku, ukucinga ukuba usebenzisa i-FHA-insured HECM yokubuyisela imali.
Iphulo: Ukukhusela iingxaki, yenza isicwangciso sekamva, nokuba ngaba yindawo yokuhlala yendawo yabasindileyo okanye ipolisi yomshuwalense yomntu onokuhlawula umboleko kwaye uncede wonke umntu ahlale ekhaya.
Ukugcina Ubulungisa?
Kuthekani ukuba uceba ukunciphisa okanye ukuhambisa intsapho kwenye indawo? Kungenzeka ukuba wenze njalo emva kokuba usebenzise umboleko wempahla, kodwa kunzima. Phinda uhlawule iimfesholo zemali kwi-equity home yakho , ushiye ubuncinane ubuncwane obugcinwe ekhaya lakho.
Xa uthengisa ikhaya lakho langoku, uya kufuneka uhlawule umboleko wemali ngokutsha usebenzisa imali okanye ngaphandle kwempahla yokuthengisa. Ukuba uthe waxhaphaza ngemali, mhlawumbi wawungeke usebenzise i-mortgage mortgage kwindawo yokuqala - ngoko uya kuba neyona nto incinci ukuyichitha kwikhaya lakho elilandelayo.
Icebiso: Ukuba ucinga ukuba ungaphuma ekhaya ngaphambi kokuba ufe, khumbula ukuchitha kwakho. Ngaphantsi kokuba uboleka, ulingano oluthe xaxa uya kuba nako ukuchitha kwikhaya lakho elilandelayo. Ngokuqinisekileyo, eli cwangciso linokuphefumula: Ngaphandle kwemali mboleko, kunokwenzeka ukubuyisela ngaphantsi kokuboleka - kwezinye iimeko, ubuya kuba ngcono xa uboleka ngaphezulu .
Hlalani phezulu kwizinto
Xa unayo ikhaya, indleko kunye nokugcinwa akupheli. Kufuneka ukhuthalele ngokukodwa imali yokuthenga imali. Imboleko yakho ingafika ngenxa-ithetha ukuba kufuneka ubuyisele yonke imali okanye ukukhutshwa kwemingcipheko xa ungagcinanga isiphelo sakho.
Indlu yakho isebenza njengesiqhelo somhlalaphantsi , okhusela umboleki wakho. Ngenxa yoko, umboleki wakho ufuna ukuqiniseka ukuba ikhaya lifanelekile kangangoko kunokwenzeka. Uphahla oluvulekileyo lungenakukukhathaza, kodwa ukubhoboza iibhodi kunye nokubunjwa ngaphakathi kwekhaya lakho kungaba ngumbango xa umthengi ozayo ehlola. Kwakhona kufuneka uqhubeke kunye neerhafu zepropati kunye ne-HOA. Ngaphandle koko, uya kuba nezibambiso kwipropati yakho . Ababolekisi bafuna ukuba ugcine i-inshorensi eyaneleyo. Ukuba ikhaya lakho lonakaliswe okanye lonakaliswe, kufuneka lwakhiwe kwakhona ukuze kulungele ukuhlawula imali.
Iphulo: Ukuba uthabatha ukuvumela izinto zidibanise, fumana indlela yokuhlala phezu kweendleko kunye nokugcinwa kwezinto ezikufunayo. Uhlahlo lwabiwo-mali ukugcinwa rhoqo ukuze uhlawule ukulungiswa xa kufuneka. Hlela iintlawulo zee-bhuloji zekhompyutha ezizenzekelayo kwiimali-mboleko zakho ze-inshurensi kunye nentlawulo yepropati ngoko unako izinto ezimbalwa zokugcina umkhondo.
Nciphisa iindleko zenzalo
Xa uboleka imali, uhlawula umdla , kwaye ngokuqhelekileyo ayikho indleko onokuyifumana xa uthengisa. Ngoko kubulumko ukunciphisa iindleko-okanye uqinisekise ukuba ufumene imali yakho.
- Ukuxhasa imali, okanye akunjalo? Uya kufuneka uhlawule iindleko zokuvala ukufumana umboleko wempesheni, kwaye uya kufuneka unqume ukuba ufuna ukuhlawula loo ndleko ngaphandle kwe-pocket okanye uhlawule ngemali ngokufaka iindleko kwi-balance balance. Uxhasomali lukhangeleka ngenxa yokuba awuyi kululeka imali xa uvale, kodwa libiza kakhulu. Ngenxa yokuba ezo ndleko ziyingxenye yemboleko yakho, uya kuhlawula inzala kwimali eyongezelelweyo ngonyaka emva konyaka. Ukuhlawula kwe-pocket kubuhlungu ngakumbi namhlanje, kodwa ngokuqhelekileyo kusebenza kakuhle ngemali .
- Umgca wekhredithi? Unayo inketho eninzi malunga nokuba ungathabatha njani imali kwi-mortgage yakho yangaphambili. Enye inketho kukuthatha imali eninzi njengokuba unako - ngokukhawuleza kunokwenzeka - kwisixa semali. Enye inketho kukusebenzisa imali yakho yokuthenga njengemida yekhredithi , uthatha kuphela into oyifunayo xa uyidinga. Umgca wekhredithi unokukunceda ugcine iindleko zomdla eziphantsi ngenxa yokuba ulibazise ukuboleka kwakho . Esikhundleni sokuqala ngokulinganisela kwemali mboleko kunye nemirhumo echaphazelekayo ngosuku, uza kuboleka ngokukhawuleza. Ukuba usebenzisa i-reverse mortgage yakho ukuxhasa iindleko zokuphila ngeedola ezilikhulu ezimbalwa ngenyanga, umzekelo, unokusasaza ukuboleka kwakho kwiminyaka emininzi. Ingakumbi, i-pool yakho ekhoyo iyakhula ngexesha elide xa usebenzisa umgca wekhredithi.
Kukho ubuncinane omnye umda wekhredithi omele uyiqaphele ngawo: Xa ukhetha umgca wekhredithi, uya kufumana inzala yemali eguquguqukayo kwi-mortgage yakho. Oku akuyona into embi, kodwa isilinganiselo esisisigxina semali singasebenza kangcono kwezinye iimeko.
Gwema iHucksters
Ukubuyiswa kwemali yemali ye-mortgages zixhobo zokusebenza ezinamandla, kwaye zinokuba luncedo kakhulu kwiimeko ezifanelekileyo. Ngelishwa, aphinde asebenzise kakubi. Ukuba umntu ucebisa ukuba usebenzisa imali yokuthenga imali yokuthenga into enokuthengisa ngayo, njenge-annuities, inshorensi yenkathalo yesikhatshane okanye i-timeshares, jonga iimfuno zabo kwaye ufune iingcebiso kwenye indawo ukuba uyayikrokra nantoni na.
Ukulingana kwindlu yakho ngokuqhelekileyo kuyindawo enkulu yemali, kwaye inqwenela ukudibanisa abaculi kunye nabathengisi abafuna umvuzo ofumanekileyo. Ukuba usebenzisa imali yakho yokubolekisa imali, kufuneka uhlawule iindleko zokuthenga imali ukuze uphule. Ngaphezu koko, ubeka ikhaya lakho kwi-foreclosure yokubeka ingozi - ukuba awukwazi ukugcina iirhafu nezindleko zokugcina.
Thatha ingcebiso ngokukhawuleza
Kuya kufuneka uzalise iseshoni yokucebisa okufunekayo kunye nomcebisi ovunywe yi-HUD ukusebenzisa inkqubo ye-FHA HECM. Oku akusiyo nje ingxaki yokugxuma - yithuba lokufunda oko ungena khona. Buza imibuzo emininzi njengoko kufuneka, kwaye ubuyekeze iingcaphuno zeendleko kunye namanani kunye nomcebisi wakho.
Xoxa NgeNtsapho
Yindlu yakho kunye nemali yakho, kodwa intsapho yakho kunye nabanye banokuchaphazeleka zizigqibo zakho. Bayakuthanda kwaye bafuna ukuba ukhululekile, kodwa banokulindela ngokugcina indlu kwaye mhlawumbi uhlala khona. Ukuba ukulindela kwabo kungenangqiqo, bazise, okanye bahlanganyele kwaye bafumane iindlela zokuhlangabezana neemfuno zakho ngelixa unceda intsapho yakho ngeenjongo zazo .
Into ongayifuni yindlalifa zakho ukucinga ukuba ikhaya liya kuhlala kwintsapho nje ngokuba uhlala khona de ufe. Amalungu entsapho asenokungaqondi ukuba kuya kufuneka afike ngenani elikhulu lemali ukugcina indlu. Iindlalifa ezininzi aziyi kuba nekhefu ngokwaneleyo - ziya kufuneka zithengise ikhaya okanye zihlaziye umboleko . Baxelele ngoku kungekudala kunokuba kamva ukuze bakwazi ukulawula i-credit yabo kunye neminye yemali-mboleko, okwenza kube lula ukuba baya kuvunywa kwi-mboleko yokuhlaziywa.