Inkohlakalo endaweni yokuchithwa kwempahla (DIL) yenye yeendlela ezininzi zokuphuma kwimboleko yemali. Esikhundleni sokungena kwi-foreclosure , unokwenza ngokuzithandela utshintshe ubunikazi wakho kumbolekisi wakho (ngubani oye wayithatha nangoko) - ngokuyinene usayine umyalelo kwaye ubeke phezu kwezitshixo.
Kutheni i-DIL?
Ukuba awukwazi ukwenza imali yakho yokubolekwa kwemali, engenako ukuguqulwa kwemali mboleko kwaye awukwazi ukuthengisa ikhaya lakho, ukuthengiswa kwe-DIL kunokuba yindlela efanelekileyo yokuphuma kuyo.
Iingxelo zeNgxowa-mali : I- DIL ibukeka ihluke ngokukodwa kwikhredithi yakho kunokugqithiswa kwangaphambili, kodwa umphumo wokugqibela unye-ibhanki yakho ithatha impahla kwaye iyithengisa ukuhlawula imali mboleko yakho. Kwiimeko ezininzi, izikolo zakho zekhredithi ziza kulahla nje ngokungathi uhamba ngokugqithisa. Kodwa unakho ukuboleka kwakhona ngokukhawuleza, kwaye umntu ekhangele ngeengxelo zekhredithi (ngokuchasene nomzekelo wekhompyutha) unokuziva azi ngcono malunga ne-DIL kunokugqithiswa. Ukuba unako ukwenza enye into (njengokuthengiswa okufutshane , ukuguqulwa kwemboleko, okanye ukuthengiswa kwemakethe evulekileyo), uya kuphuma ukhangela bhetele.
Ukusilela: xa umnini-mboleko wakho uthengisa indlu yakho, indlu ingathengisa ngaphantsi kweyona. Yintoni eyenzekayo kwimali osenayo? Umboleki wakho unokuzama ukuqokelela ukusilela , oku kuthetha ukuba iingxaki zakho azipheli. Nangona kunjalo, kwezinye iimeko, unako ukusilela ekuphelisweni kwi-DIL transaction. Qiniseka ukuba uhlolisise ngokuthe ngileyo izivumelwano zakho kunye negqwetha, kwaye ubuze i-preparator yerhafu malunga nayiphi na uxanduva onokuyenza.
Ukukhawuleza: I- DIL inokukhawuleza kunokunye okukhethwa kukho, oku kuthetha ukuba unokuyeka ukwenza iintlawulo zakho zenyanga (kwaye uqhubekele kwizindlu ezithengiweyo).
Ubumfihlo: nangona unganakhathalela (kwaye akenzi namnye umntu), i-DIL ayikho yoluntu ngaphantsi kwelokucacisa. Yesivumelwano phakathi kwakho kunye nebhanki yakho - kungekhona ukuqhutyelwa kwezomthetho egunyazisiweyo ngurhulumente wakho.
Ibhanki iyanceda xa usebenzisa isenzo endaweni yokuchithwa. Ukuchithwa kwexabiso kukubiza, ukuchitha ixesha, kwaye kuyingozi kwiibhanki. Bakhetha ukuphelisa izinto ngokukhawuleza, kungenxa yoko bavumelana nale ntengiso.
Oko kwathiwa, iibhanki azivumi ukuvuma ukukhulula ikhaya lakho ngale ndlela. Ukuba unamanye amabhinqa kwikhaya lakho (mhlawumbi une- mortgage yesibini kwinqanaba elithile), ibhanki yakho ingenakufuna ukuhamba phambili ne-DIL.
Imiba
Impendulo enkulu yezenzo endaweni yokuchithwa kukuba uza kulimaza i-credit yakho. Nangona kunjalo, unganakho okunye okukhethwa kukho, kwaye ukuba ulahlekelwa yintlawulo yenyanga kwaye ekugqibeleni ungagqibekanga , oko kungenandaba.
Qaphela ukuba nge-DIL, kufuneka uphume ekhaya lakho. Uyayeka ukuhlawula kwaye ibhanki iya kuba yipropati yakho, ngoko kuya kufuneka ufumane indawo yokuhlala.
Ngenxa yokuba ezo zinto zingenzi, ukuthengiswa okufutshane kunokuba yindlela engcono kune-DIL. Ngokuthengiswa okufutshane, usenokukwazi ukufumana nayiphi na ukulahleka okukhethiweyo (kwakhona, funda ngezivumelwano kunye nommeli wendawo), kwaye uya kwenza umonakalo omkhulu kumboleko wakho.
Kwakhona, i-DIL imvumelwano nje phakathi kwakho kunye nomthengi wakho wemali mboleko . Ukuba unetyala kwabanye (i-mortgage yesibini, iindleko ze-HOA, irhafu, njalonjalo), uya kuhlawulwa loo mali.
Inkqubo yeDIL
Ukufumana ukukhishwa kwempahla, kufuneka usebenze kunye nomboleki wakho. Wonke umboleki unemiqathango eyahlukeneyo, ngoko uya kufuna ukubiza kunye nokubuza malunga nenkqubo. Bazise ukuba abakwazi ukwenza iintlawulo zenu, kwaye niqiniseke ukuba nixoxe ngazo zonke iindlela (ezifana nokuguqulwa kwemali mboleko, ukuthengisa okufutshane, iinkqubo zikaRhulumente ezifana ne-HARP 2.0 , njalo njalo).
Ngabalimi abaninzi, kuya kufuneka ugcwalise isicelo, kwaye kuya kufuneka ubonise ubungqina bokuba awukwazi ukwenza iintlawulo zakho. Cwangcisa ekunikezeni amaxwebhu abonisa ingeniso yakho, iindleko zenyanga, kunye nezilinganisi zebhanki zebhanki. Ibhanki yakho kufuneka iqonde ukuba ubhekane nobunzima obungenakwenzeka, kwaye akukho ndlela oya kuba nako ukuyihlawula.
Kuthatha ixesha kwibhanki yakho ukucwangcisa isicelo se-DIL. Lindela ukulinda iintsuku ezingama-30 okanye ngaphezulu ngaphambi kokuba uvale impendulo, kodwa akusizi kubuhlungu ukubiza kunye nokucela ukuhlaziywa kwesimo.
Akukho nto iyakwenzeka ngokukhawuleza (kodwa isenokukhawuleza kunokugqithisa okanye ukuthengiswa kwemakethe evulekileyo).
Ngaphambi kokuba usayine nawaphi na amaxwebhu okugqibela (kwaye ngexesha lenkqubo yonke), fumana ukhokelo kummeli wengingqi yendawo yokuhlala. Oku kuya kudla iindleko ezilikhulu leeedola, kodwa nayiphi na "ukungaqondi" kunokunciphisa ngokuphindaphindiweyo kwezihlandlo ezilishumi-okanye ngaphezulu. Ufuna ukuqiniseka ngokuqinisekileyo ukuba uyaqonda ukuba yintoni na ukulahleka kuya kunyangwa.