Indlela yokusebenzisa imali yokuThengisa

Umboleko ozuze wonke umntu

Ukuboleka imali yangasese ngumboleko owenziwe ngumntu okanye ishishini elingengomthengisi wendleko. Ingaba ucinga ukuboleka ikhaya okanye ukuboleka imali, iimali-mboleko zangasese zinokunceda wonke umntu ukuba zenziwe ngokuchanekileyo. Nangona kunjalo, izinto ziyakwazi nokuhamba kakubi - ulwalamano lwakho kunye nemali yakho.

Njengoko uvavanya isigqibo sokusebenzisa (okanye ukunikezela) imali yokubambisa yangasese, gcina umfanekiso omkhulu.

Ngokuqhelekileyo, injongo kukudala isisombululo sokuphumelela apho wonke umntu ezuza ngemali ngaphandle kokuthatha umngcipheko omkhulu.

Imali eyimfihlo okanye imali enzima? Eli phepha ligxininisa ngemali mboleko mboleko kunye nomntu owaziyo . Ukuba ukhangele ukuboleka kubani-mboleko bangebucala (ongazi ngokwabo), funda ngemali-mboleko yemali enzima . Ababolekisi bemali abanomsebenzi banceda abanini-mali kunye nabanye abanzima kunzima ukuvunywa ngababoleki bendabuko. Zihlala zibiza kakhulu kunezinye iimali zokugcina imali kwaye zifuna ukulinganiswa kwee-LTV eziphantsi .

Kutheni Uhamba Ngasese?

Ihlabathi lizele ababolekisi, kuquka iibhanki ezinkulu, iinkontileka zemali zendawo kunye nababolekisi be-intanethi . Ngoko kutheni ungazalisi isicelo kwaye uboleka kwenye yazo?

Ukufaneleka: Abaqalayo, abanokuboleka abanako ukufumana imvume yokubolekisa ngemali mboleko. Amabhanki afuna amaxwebhu amaninzi , ngamanye amaxesha iimali zakho aziyi kujonga indlela ibhanki efuna ngayo. Nangona ungeke ukwazi ukubuyisela imali mboleko, ababolekisi abaqhelekileyo kufuneka baqinisekise ukuba unako ukubuyisela, kwaye banemilinganiselo ethile yokugqiba loo ngqinisiso.

Ngokomzekelo, abantu abaqeshwe ngabanye abahlali bafumana iifom ze-W2 kunye nomlando wokusebenza obolekileyo ababolekayo, kwaye abantu abadala abasenako ukufumana izikolo ezifanelekileyo zemali (nangona kunjalo).

Yigcine kwintsapho: Imboleko phakathi kwamalungu entsapho inokuyenza ingqiqo yemali.

• Ababoleki bangalondoloza imali ngokuhlawula izinga lentengo elincinci kumalungu entsapho (endaweni yokuhlawula iirhafu zemali ebhanki). Qiniseka ukuba ulandela imigaqo ye-IRS ukuba uceba ukugcina amaxabiso aphantsi.

• Ababolekisi ngemali eyongezelelweyo ngesandla banokufumana ngaphezulu ngokubolekisa kunokuba bafumane kwiibhondi zebhanki njenge- CD kunye ne-akhawunti yokulondoloza .

Qonda iingozi

Ubomi buzele iimangalo, kwaye nayiphi na imali mboleko ingahamba embi. Ngokuqinisekileyo, wonke umntu unenjongo enhle, kwaye ezi zinto zibonakala zifana nengcamango enkulu xa zifika kuqala engqondweni. Kodwa phaya ixesha elide ngokwaneleyo ukuba uqwalasele le micimbi elandelayo ngaphambi kokuba ungene ngaphakathi kwinto enokuba nzima ukuyivula.

Ubudlelwane: Ubuhlobo obukhoyo phakathi koboleki kunye nomthengisi lungatshintsha. Ngokukodwa xa izinto ziba nzima kumbolekayo, ababolekayo banokuziva becinezelekile kwaye banetyala. Ababolekisi nabo bajamelana neengxaki - banokufuna ukugqiba isigqibo sokuba ngaba bagxininisa imvumelwano okanye bathathe ilahleko.

Ukunyamezela ukunyamezela umthengi: Ingcamango inokuba yinto yokubolekisa ngemali (ngokulindela ukubuyiselwa imali), kodwa izinto ezixakekileyo zenzeke. Ukuphonononga amandla okuboleka umthengi (ukuba angakwazi ukuyeka umhlalaphantsi, umngcipheko wokutshatyalaliswa kwebhanki , njl.) Ngaphambi kokuhamba phambili. Oku kubaluleke ngakumbi ukuba abanye baxhomekeke kumboleki (abantwana abaxhomekeke kuyo okanye abafazi, umzekelo).

Ixabiso lepropati : Ixabiso lempahla libiza. Ukuncipha kwexabiso kunokufikelela kumashumi (okanye ngamakhulu) amawaka eedola. Ababoleki kufuneka bathuthuke kunye nemeko yepropati kunye nendawo - ingakumbi kuzo zonke ezo maqanda kwikhasikidi enye.

Isondlo: Kuthatha ixesha, imali, kwaye ingqalelo yokugcina impahla. Ngaphandle komhloli omhle, imiba ivela. Ababoleki kufuneka baqiniseke ukuba umhlali okanye umnini uya kulungisa iingxaki ngaphambi kokuba aphume ngesandla aze akwazi ukuhlawula ukugcinwa.

Imiba yesihloko kunye nokuhlelwa kweentlawulo: Umboleki-mboleko kufuneka agxininise ekuqinisekiseni umboleko nge-lien (jonga ngezantsi). Ukuba umntu obolekayo ungeze nayiphi na imali ehlawulwayo (okanye umntu ubeka umnxeba endlwini), uya kufuna ukuqinisekisa ukuba umboleki uyahlawulwa kuqala. Nangona kunjalo, uya kuphinda ukhangele nayiphi na imiba phambi kokuthenga ipropati. Ababolekisi bempahla bemveli bafuna ukukhangela itekisi, kwaye umboleki okanye umboleki kufanele aqinisekise ukuba ipropati inesihloko esicacileyo. Intshuwalense yesihloko inikeza ukhuseleko olongezelelweyo, kwaye luya kuthenga ukuhlakanipha.

Iingxaki zerhafu: Imithetho yerhafu iyinkqonkqo, kwaye ukuhambisa imali eninzi ngeenxa zonke kunokudala iingxaki.

Ngaphambi kokuba wenze nantoni na, thetha nomcebisi werhafu wendawo ukuze ungabanjwa ngothuswa.

Izivumelwano zokuThengisa eziMfihlo

Nayiphina imboleko kufuneka ibhalwe ngokufanelekileyo. Isivumelwano esihle semali-mboleko sibeka yonke into ebhaliweyo ukwenzela ukuba wonke umntu ulindelwe kwaye zizinto ezimbalwa ezinokwenzeka. Emva kweminyaka emininzi, wena (okanye omnye umntu) ungakulibala into oxoxe ngayo kunye nezinto ozicingayo, kodwa incwadi ebhaliweyo inememori engcono.

Amaxwebhu akwenza okungakumbi nje kuphela ukugcina ubudlelwane bakho bunzulu - bukhusela amaqela omabini kwi-mortgage yangasese. Kwakhona, awukwazi into ongaziyo ngekamva, kwaye kukulungele ukuba ugweme nayiphi na into engekho yomthetho iphelile ukusuka ekuhambeni. Ngaphezu koko, isivumelwano esibhaliweyo singenza ukuba i-deal isebenze bhetele kwi-tax perspective.

Njengoko uhlaziya isivumelwano sakho, qinisekisa ukuba yonke into engacatshangelwayo ichazwa, ngokuqala:

• Ziziphi iintlawulo ezifunekayo? Inyanga zonke, ngekota, ngowokuqala kwenyanga, njl.
• Kuthekani ukuba iintlawulo azifumaneki? Ingaba umboleki-mali angahlawulisa umrhumo, kwaye kukho ixesha lobabalo?
• Njani / phi iintlawulo kufuneka zenziwe? Iintlawulo zekhompyutheni zingcono.
• Ngaba umntu obolekayo angayikhokhelwa, kwaye ngaba kukho nayiphi na isohlwayo sokwenza njalo ?
• Ingaba iboleji iqinisekisiwe nantoni na ? Kungcono ukuba.
• Yintoni enokuyenza ukuba umbolekisi enze umboleki? Ingaba iindleko zokuboleka imali, ingxelo kwi-arhente yokubika ngetyala, okanye i- foreclose ekhaya ?

Khu seleko

Kuqiqile ukukhusela umdlalo-mboleko-nokuba ngaba umboleki kunye nomboleki bangabangane abasondeleyo okanye amalungu omndeni. Imboleko ekhuselweyo ivumela umnini-mboleko ukuba athathe ipropati (ngokusebenzisa ukuchithwa kwemali) aze abuyele imali yakhe kwimeko enzima kakhulu.

Ngaba kuyimfuneko ngokwenene? Kwakhona, awukwazi into ongaziyo ngekamva.

Obolekayo (okwaziyo kunye nenjongo yokubuyiselwa) angafa okanye ahlawulwe ngokungalindelekanga. Ukuba ipropati ibanjwe egameni lomboleki kuphela-ngaphandle kwe-bond efanelekileyo-ababoleki-mali bangahamba emva kwekhaya okanye uxinzelelo kumboleki ukuba basebenzise ixabiso lekhaya ukuze banelise ityala. Impahla ekhuselekile ikhusela ukukhusela umnini-mboleko, ngokucinga ukuba yonke into ihlelwe ngokuchanekileyo. Enyanisweni, igama elithi "mortgage" ngokwemigaqo lithetha "ukhuseleko" - "kungabi" mboleko. "

Ukufumana imali mboleko kunye nepropati kunokukunceda neerhafu. Umzekelo, umntu obolekayo unokukwazi ukurhola iindleko zenzalo kwimbolekiso, kodwa kuphela xa imali leyo igcinwe ngokufanelekileyo. Xoxa ne-preparer yerhafu yendawo okanye i-CPA ukuze uthole iinkcukacha ezingaphezulu kunye neengcamango.

Indlela yokwenza imali yokuThengwa kwangasese

Ukuba ucinga ngokubambisa imali yangasese, cinga nje ngokuba ngumthengisi "wendabuko" (nangona unako ukunikela amaxabiso angcono kunye nomkhiqizo onobuhlobo obuninzi). Khawucinge ngento enokungahambi kakuhle, kwaye ulungise le ntengiso ukuze ungaxhomekeke kwintlekele, inkumbulo enhle, okanye iinjongo ezilungileyo.

Ukufumana amaxwebhu (izivumelwano zemboleko kunye nezilwanyana zokufakela umzekelo, umzekelo), sebenzisana neengcali ezifanelekileyo. Thetha kumagqwetha asekuhlaleni, i-preparer yakho yerhafu kunye nabanye abanokukunceda ekukhokeleni kwinkqubo. Ukuba usebenza ngeemali ezinkulu, oku akuyona iphrojekthi ye-DIY. Iinkonzo ezininzi ze-intanethi zinokusingatha yonke into kuwe, kwaye nabanikezeli benkonzo bendawo banokuyenza loo msebenzi. Buza ukuba yiziphi iinkonzo ezinikezelwayo, kubandakanywa:

• Ngaba uya kufumana izivumelwano zokubhalwa kwemali?
• Ingaba iintlawulo ziyakwenziwa nawuphi umntu (kunye ne-automated)?
• Ngaba amaxwebhu aya kufakwa kunye noorhulumente bendawo (ukukhusela imali mboleko, umzekelo)?
• Ngaba iintlawulo ziya kuxelwa kwi-credit bureaus (enceda abobolekayo ukwakha i-credit )?