Ukuba ufanele ulungele ukulungiswa kwemboleko malunga nokuthengiswa okufutshane, kuxhomekeke, kwinqanaba, kule ilandelayo:
- Imeko yakho yezemali
- Ukuzimisela kwebhanki
- Umnqweno wokugcina ikhaya lakho
Kuya kuba nzima nakakhulu ukuba ibhanki yenqabile ukuqwalasela ixabiso lemarike langoku lekhaya lakho. Ukuba ufuna ngokwenene ukuhlala ekhayeni lakho, kungakhathaliseki ukuba lixabiso lini, ukulungiswa kwemboleko kungase kube ngcono.
Imigaqo yoLungiso loMboleko
Injongo yokuguqulwa kwemboleko kukunciphisa intlawulo yomnini- mboleki kwaye yenza loo ntlawulo ifikeleleke.
Oku kufezwe ngokuphumeza enye okanye ngaphezulu kwezi zinto zilandelayo:
- Ukunciphisa izinga lomdla
- Ukwandisa ixesha le mboleko
- Ukongeza inzala engakhokhelwa kwi-balance balance
- Ukunciphisa ibhalansi enqununu
I-Ofisi yoMlawuli weMali (i-OCC), elawula iibhanki zwelonke, ithi ukuguqulwa kwamatyala amaninzi akunciphisi ibhajethi eyintloko. Mhlawumbi ngakumbi ukuphazamiseka kukuba iindaba ezininzi zokuguqulwa kwemboleko ziza kuphinda zihlaziye kwakhona. Ngokuqhelekileyo ukulungiswa kwesikhashana kungekhona isisombululo sesikhathi eside.
Ukuguqulwa kwemali-mboleko kusenokubangela ukuba kuhlawule umvuzo
Oku kunokuba kuyinto enqabileyo kuwe kunye nokuchasene nendlela ukuguqulwa kwemali-mboleko kusebenza ngayo, kodwa akuyiyo yonke ibhanki iya kunika ukuguqulwa kwemboleko ekunciphiseni imali yokuhlawula imali. Ezinye iibhanki ziya kunika ukuguqulwa kwemboleko okunyusa intlawulo. Ukusetyenziswa kweBhanki, ngokuphindaphindiweyo ukufaka ipesenti ethile yemali yakho yenyanga engenayo, ukufumanisa intlawulo entsha.
Ukuba ingxelo yezemali iyavuma, ibhanki ingacela ukuhlawulwa okuphezulu.
Utshintsho lwemali lwexeshana
Qaphela ukuba ezinye iibhanki zinika ukulungiswa kwemboleko kwesikhashana. Oku kuthetha ibhanki ayiyi kuvumelana nokwenza utshintsho lwengqesho ngokusisigxina kodwa kunokuba kunokuba linikezele le miqathango ilandelayo:
- Inqununu yenqununu iyahlala enye.
- Abanikazi bezindlu bacelwa ukuba benze imali encinci yokuhlawula.
- Ixesha lentlawulo entsha lisetyenziselwa iinyanga ezintathu ukuya kwezi-6.
- Oku kuthetha ukuba umninikhaya wenza iintlawulo ezitsha ngexesha ngexesha lokutshintshwa kwemali yesikhashana, i-bhanki inokunikezela ukuguqulwa kweemali ngokusisigxina.
Nangona kunjalo, ekupheleni kwekota, ibhanki ikhululekile ukuba ithi: "Siyabonga, kakhulu, ngokusinika imali, kodwa imali yakho mboleko ngoku ayikho phantsi." Kwaye ibhanki ingaqhubela phambili. Ndivile eli bali livela kumakhasimende athile eSigramento ayanyanzelekile ukuba athengiswe ngokufutshane ngolu hlobo.
Amabhanki Awuyi kuThengisa iiNtengiso ezimfutshane ngexesha elinye kunye neNguqulelo yeMboleko
Uninzi lweebhanki aluyi kuvulwa iifayile ezimbini ngexesha elifanayo. Uya kufuneka uqikelele kwangaphambili ukuba ufuna ukulandela ukulungiswa kwemboleko okanye ukuthengiswa okufutshane. Kufuneka uxoshe omnye okanye omnye.
Ibhanki iya kuvala ukuthengiswa kwentengiso emfutshane xa umninimzi emva koko ekhetha ukuzama ukulungiswa kwemboleko. Ubude bexesha lokucwangcisa ukuthengiswa okufutshane kunye nokuguqulwa kwemali-mboleko kufana noko. Ezinye izilungiso zemboleko zithatha iinyanga ezintathu ukuya kwezi-6 ukugqiba.
Akukufanelekanga kumthengi oye wangenisa isibonelelo sokholo oluhle kwintengiso emfutshane kwaye uyavuma ukulinda imvume yokuthengisa emfutshane ukufumanisa ukuba abathengisi baye babecinga ngolu hlobo kwaye ngoku bafuna ukwenza utshintsho lwemboleko phakathi kwentengiso emfutshane.
Ingcebiso yam kukuba wenze isigqibo sakho kwaye unamathele kuso. Ngaphezu koko, musa ukuqasha nayiphi na inkampani ukwenza ulungiso lwemali mboleko kuwe ngenxa yokuba unokuzibuza ngaphandle kokuhlawula umntu. Uninzi lweenkampani zokuguqula imali mboleko zihlambalaza.
Kutheni Kufuneka Ukuthengiswa Okufutshane Kukukhethwa NgokweNgxowa-mali?
Abanikazi bezindlu abanokukhetha ukuphuma ngaphantsi kwamanzi banokukhetha ukwenza ukuthengiswa okufutshane kwindawo-yokulungiswa kwemboleko. Ukuthengiswa okufutshane kuthetha ibhanki iya kwamkela inzuzo ephantsi kwaye ikhulule umboleko. Ukuba ikhaya lakho lixabisa kakhulu ngaphantsi kwexabiso elihlawulwayo, kunokuyenza ingqiqo ukwenza ukuthengiswa okufutshane kunye nokukhululeka kwetyala elinzima. Nazi ezinye iimeko zokuqwalasela:
- Emva kweminyaka engama-3 yokugcina i-credit, ukuba amaxabiso ahlala ezinzile, abanini bezindlu banokufaneleka ukuthenga elinye ikhaya emva kokuthengiswa okufutshane kunye ne-mortgage kunye nentlawulo enokufumaneka.
- Bobabini ukuguqulwa kwemboleko kunye nokuthengisa okufutshane kunokuchaphazela i-credit . Kodwa esinye isisombululo ngokubhetele kunokuba kuqinisekiswe.
- Ukuguqulwa kwamatyala amaninzi kufuna ukuhlawulwa kwezinga lokuhlawuleka kunokuba unyuke unyaka ngamnye emva kokuba i-5 yokuqala yemali yentlawulo ehlawulekileyo idlulile.
- Uninzi lwezihlomelo ezifutshane zithengisa kwi-Sacramento zibandakanya abathengisi abaphikisiwe ukuguqulwa kwemboleko.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.