Iimali zeMali kunye neNzala-kuphela
Ngethuba lexeshana lentshisekelo, akukho ntlawulo. Imali eyenzekayo xa abantu ababolekileyo behlawula amatyala ngexesha elifanelekileyo kunye neentlawulo zemali efanayo, ngokuqhelekileyo ngenyanga. Ngalinye ixesha xa umboleki ehlawula imali, uhlawula kwiindleko zomdla (indlela ebolekisa inzuzo mboleko ) kunye ne-balance loan, okanye inqununu. Oku akunjalo ngethuba lexesha elichaphazelekayo.
Imveliso yeMali-mboleko apho Ixesha leNkatha-nxaxheba kuphela
Izihlandlo-kuphela zentsalane zifumaneka kwii -mortgages ezilinganiselweyo kunye ne -mortgages rate rate (ARMs). Abantu abatsha okanye abaphengululi abafumana imali-mboleko yomfundi bajongana nezihlandlo zodwa, ngakumbi abo baboleka imali eninzi yokuhlawula isikolo.
Ezinye iingcali zithi abafundi abakhetha ixesha lokuziboleka ngemali kwimali mboleko ngelixa esikolweni balondoloza imali kwaye bangena kumkhwa omuhle wokwenza iintlawulo zemali-mboleko rhoqo, banciphise umngcipheko wokuba babalekele ukuhlawula xa iintlawulo zezikolo zemali-mboleko zemali ziphela. .
Ixesha elilodwa lenzalo lingahlala kwi minyaka emithathu ukuya kwi-20. Abanye abbolekayo bakhetha ukubolekwa kwemali ngamathuba athile ngenxa yokuba ivumela ukuba benze iintlawulo zangaphambili ezingaphantsi kweentlawulo zabo emva koko. Olu khetho lunokuba luncedo kubantu abancinci abaqalayo abangakwazi ukuphatha iintlawulo ezinkulu kule ngxaki kwimisebenzi yabo kodwa balindele ukuba babe negalelo elizeleyo kwizekamva, okubenza bakwazi ukwenza intlawulo ephakamileyo kamva ebomini.
Ngokuqinisekileyo, kunzima ukuqikelela oko ubomi bubugcinile, kwaye abantu abaninzi abanakufumana impumelelo okanye imali abayilindele. Ukufa komlingane, iingxaki zezonyango okanye ukutyunjwa kwemisebenzi kunokukwenza konke kube ngumthwalo omkhulu wokuhlawula imali ephakamileyo ngexesha lokuboleka imali. Ngako oko, ukuba unako ukukwazi ukwenza iindleko eziphezulu ngeli xesha, kungenokuba kubulumko ukuyeka ukwenza ezi ntlawulo ngoku.
Ukuba ukhangelelwa ngumbono wemboleko ngemali yodwa-nzala, yazi ukuba kufuneka ufake iintlawulo eziphambili kunye nentlawulo nganye. Ukuba akunjalo, kuya kufuneka uhlawule umbolekiso (oku kwenzeka ntoni ngokuhlaziya). Ukuba unomdla wokuhlaziya i-mortgage yakho , kufuneka uzifundele izinto zokuqala, kubandakanywa nemingcipheko enokuthi, kufuneka uhlawule imali mboleko yakho yasekhaya.
Ubungozi bexesha elide-Inzala kuphela
Ixesha elide lenzalo-nxaxheba liye landisa umngcipheko "wokutshatyalaliswa kwentlawulo," apho iintlawulo ezifunwayo zifunyaniswa ngokukhawuleza kumanqanaba awunako ukuthenga. Xa usalinde ixesha elide, inkokhelo yakho efunekayo iya kufuneka uyibuyisele inqununu. Ngaloo nto engqondweni, kungaba ngcono ukuba ube nexesha elifutshane nje lenzalo.