Inkcazo & Iingcebiso Zokusindisa Imali
Zingakanani izigwebo zokuhlawulwa kwangaphambili?
Izigwebo zokuhlawulwa kwangaphambili zibalwa ngeendlela eziliqela.
Ipesenteji yokulinganisela kwemali mboleko: abanye ababolekisi bakutyala ipesenti yemali ebolekileyo.
Ngokomzekelo, ukuba unetyala lika-100,000 kunye nesohlwayo ngu-2%, uza kuhlawula i-2,000,000 yeentlawulo zokuhlawulwa kwangaphambili.
Iindleko zenzalo: ezinye iimali-mboleko zihlawulisa izigwebo ngokusekelwe kumdla owenzela umbolekisi ukuba uza kuwufumana njani ukuba ugcine umboleko wexesha lonke. Izibalo ziyahluka ngobolekisi, kwaye zihlala zisekelwe kwinani leenyanga ezinomdla.
Imirhumo yentlawulo: abanye ababolekisi bayigcina ilula. Ngokomzekelo, u-Wells Fargo uxhawula i-$ 500 ukuba uhlawulele ezinye iindlela zokulingana kweentengo zemali (ii-HELOC) kwiminyaka emithathu.
Ukuhlawula iMali
Ungakuphepha njani ukuhlawulwa kwentlawulo? Ukulinda ukuhlawula impendulo elula, kodwa ungeke ufune ukuvumela i-mboleko yakho isebenzele amashumi eminyaka.
Ngokuxhomekeke kwimboleko yakho, unokukwazi ukuhlawulisa inxalenye yemboleko yakho yonke unyaka ngaphandle kokuhlawulwa. Ngokomzekelo, abanye ababolekisi bakuvumela ukuba uhlawule ufike kwi-20% yebhanki yakho ngonyaka ngaphandle kokuhlawulwa kwentlawulo.
Izigwebo zinokutshintsha ngexesha elide (zinokuba zinciphise okanye zinyamalale emva kweminyaka emininzi), ngoko qiniseka ukuba uyazi ukuba umbolekisi wakho usebenza ngaphambi kokuba uhlawule; inokuhlawula ukulinda.
Imali yeMali
Emva koxinzelelo lwe-mortgage ka - 2008 , uMthetho we-Dodd-Frank wanciphisa izigwebo zokuhlawulwa kwangaphambili kwimali-mboleko. Imali-mboleko yasekhaya ekhutshwe emva koJanuwari 10, 2014, ababolekisi banokuthi bahlawulise ukuhlawulwa kokuhlawulwa kokuhlawulwa kweminyaka emithathu yokuqala yemali mboleko yakho (kunye nesigwebo esiphezulu se-2%). Ukuba uboleka ukuthenga indlu, qinisekisa ukuba ingaba kukho nayiphi na isohlwayo sokuhlawulwa kwangaphambili, kwaye ubone ukuba umbolekisi wakho uwela phantsi kwezi mithetho - ininzi mboleko.
Ababolekisi kufuneka banikeze abathengi ngolwazi olucacileyo oluchazela isohlwayo sokuhlawulwa kwangaphambili (ngoko le nkcazelo kufuneka ibe lula ukuyifumana, kodwa abanye ababolekisi bangase bancede kunabanye).
Ezinye iiNgxowa
Kwezinye iintlobo zemali-mboleko, kuya kufuneka ukuba ufunde ngokuqinisekileyo izivumelwano zakho . Izigwebo zokuhlawulwa kwangaphambili zifunyenwe ngemali-mboleko yemali kunye neziboleko zoshishino. Kwiingxowa-mboleko zemali , abanamathuba amaninzi, kodwa kufuneka nifunde ukufundwa kokufundwa.
Kutheni Ababoleki batyala iintlawulo
Kutheni singenako ukuhlala kwihlabathi ngaphandle kokuhlawulwa kwangaphambili? Njengoko unokucinga, ababolekisi abayithandi njalo xa uhlawula amatyala kwangaphambili. Ababolekisi baceba ukufumana inzuzo kwimali mboleko yakho, kwaye uthatha ibhola lakho uye ekhaya. Ngenxa yoko, baya kuzuza loo ntlawulo ngenye indlela.
Nangona akusoloko kunjalo, kunokuba kunengqiqo nokuba ukhethe umboleko ngemvume yokuhlawulwa kwangaphambili (ucinga ukuba uyaqiniseka ukuba awuyi kuhlawula kwangethuba). Xa wenza njalo, uyanciphisa umngcipheko owenzela umboleki wakho, kwaye oko kunokubakhuthaza ukuba banciphise iindleko zakho ngokubuyisela. Nangona kunjalo, oku kusebenza kuphela ukuba unokhetho - ukuba unokuqhathanisa nemigqaliselo yemali-mboleko kunye kunye nezohlwayo zokuhlawula kuqala kwaye ukhethe okulungileyo.