Kuthetha ukuthini ukuKhiya iNgxowa?
Imboleko ingadideka. Abboleki banemibuzo. Ziyimihlobo yemicimbi yokukhiya imboleko efunwa kuphela kanye kwaye, emva kokuba ivalwe ikhaya, iimpendulo zikhawuleza zikhuphe ingqondo. Ukuthenga ikhaya kunye nokufumana imali mboleko kunakho konke.
Xa kuziwa ukuvala intsingiselo yemali kwimboleko yokubolekwa kwemali, wonke umntu ufuna ukukhawuleza ukuba asebenze kakuhle. Akukho nto iphosakeleyo ngoluvo.
Kuqhelekile. Olunye ixesha uya kuzuza inhlanhla kwaye ixesha elithile awuyi kuba nalo. Ngamanye amazwi, ngumqulu we-dice. Nangona inzala ekhutshiwe, kunjalo, uqinisekisiwe ukuba ukuba amaxabiso enyukayo ngelixa ulungele ukuvala, uya kuhlawula umyinge wezinga eliphantsi.
Ziziphi iingozi xa umboleko ungavalelwe?
Masithi uthatha isigqibo sokulinda. Uye wanciphisa apho uza kufumana imali yokubolekwa kwemali kwaye ukhangele kuyo yonke into oyikhethayo. Mhlawumbi uye wagqiba kwelo mveliso oyimboleko oyifunayo. Kodwa imarike iyahamba. I-Fed inqume amaxabiso amabini kwaye ulindele ukuba baqhube phambili. Ngoko unquma ukungafaki.
Yinto yokudlala. Kodwa ukuba amaxabiso aya kunyuka, awukho nhlobo ukhuseleko. Uya kuhlawula izinga eliphezulu xa uhlala kunye naloo mboleko.
Ziziphi izinto eziphambili zokuboleka imali?
Xa usenza isigqibo sokuvala umboleko, kukho iiphuzu ezi-3 zokuqwalasela:
- Umgangatho wenzala
- Amaphuzu
- Ubude bexesha lokukhiya
Abboleki baya kuhlawula ngokukhawuleza ukwenzela ukukhutshwa kwemali mboleko.
Ukhiye owandisiweyo kaninzi akhululekile. Inqanaba lomdla liya kuba liphezulu okanye amanqaku aya kubonisa imali yokukhiya imboleko. Kungenxa yokuba umnini-mboleko uthatha umngcipheko wokuba iirhafu zikwazi ukunyuka ngelixa kuthengiswa umthengi, ngoko umnini-mboleko unokugqiba ukulahlekelwa yimali ukuba imali -mboleko ixhaswe ngemali engaphantsi kwe-intengo yemarike.
Kodwa ukuvalelwa kwemboleko kukunika umntu obolekayo uxolo kwengqondo. Iingcali zendawo yokuhlala zicetyisa ukuba ababolekayo bakhiye.
Ngaba uyazibophezela kulo mboleko mboleko xa uvala?
Ukuvalelwa kwinqanaba akuthethi ukuba umntu obolekayo utshatile kumntu obolekayo. Umboleki ukhululekile ukuba ahambe kwenye indawo yokuboleka imali xa ixabiso lihla ngexesha lokuthengiselana lilungele ukuvala. Uninzi lwababolekayo aluyikuqonda le nyaniso eyaziwayo. Kungenxa yokuba ababoleki abafuni ukuxelela nabani na. Abafuni ukulahlekelwa ngemboleko ngokukhuthaza umntu obolekayo ukuba ahlasele umkhombe.
Kodwa ukuba amaxabiso ahla, kwaye umboleki uyasongela ukutsala imali mboleko, ukuya kwelinye i-mboleko, ngokubanzi umboleki uya kuphinda axoxise inzala. Kutheni le mboleko ingenza oku? Ngenxa yokuba umboleki ufuna ukugcina abathengi bayo.
Iingeniso zemali-mboleko zifunyenwe njani?
Ikhefu yeentsuku ezingama-30 inokuthi ihlawulise umboleki inxenye yesiqendu; kanti i-lock-day-60 ye-lock lock ingadla ixabiso elipheleleyo. Iingongoma zipesenti yexabiso lemboleko. Inkcitho ye-.5% kwi-$ 200,000 mboleko ngu-$ 1,000. Ezi ntlawulo azihlawulwa phambili; zihlawulwa ngokuvala. Ngoko ke, ukuba umboleko awuzange uvale ngenxa yokuba umntu obolekayo utshintshe ingqondo yakhe okanye waya kwenye indawo, imali ayihlawulwa. Ukuba umntu obolekayo akafuni ukuhlawula imali yokuboleka ngemboleko, umrhumo unakho ukulinganiselwa kwisilinganiso senzala.
Ngaba kukho umgca?
Kukho ncinane isizathu sokuba ungabikho mboleko. Amanqanaba omdla atshintsha imihla ngemihla, ngezinye iiyure. Ukuzikhusela ngokungahambisani nokunyaniseka kweemarike, yinto efanelekileyo yokuvala isantya sakho xa unelisekile kwisantya. Isizathu sokuba abanye abathengi bangathandi ukuvalelwa kwemboleko mboleko kuba bafuna ukusika yonke i-dime ngaphandle kokuthengiselana okunokwenzeka. Khawukhumbule ukuba ukuba izinga liyakwamkeleka xa livalelwe iiveki ezidlulileyo, i-drop of 1/8 yecandelo okanye kunjalo ayiyikuphela kwehlabathi. Awudingi ukuba ngulo hlobo lomboleki ukuze ufumane into enhle.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.