Funda Uhlobo oluhle kakhulu lwe-Mortgage kuwe
Xa uthengisa imali, kukho iintlobo ezahlukeneyo zemali-mboleko yemali ongayikhetha kuyo. Kufuneka ujonge izinto ezininzi kubandakanya uhlobo lwemali mboleko, ubude bemali mboleko, inzala kunye neminye imigomo. Kubalulekile ukuqwalasela ngononophelo zonke iinketho zakho, uze wenze isigqibo esiza kukunceda kakhulu ngexesha elide. Kufuneka ujonge iindlela zokugcina kwi-mortgage yakho njengoko uthengayo. Njengoko uqwalasela ezi zikhetho ezahlukeneyo, uya kukwazi ukwenza isigqibo esona sigqibo ngokubhekiselele kwimeko yakho yangoku, ingakumbi kuba iibhanki ziqala ukubonelela ngeemfundo ezilula.
Umyinge wokuHlala oThatshulwayo oHloniphekileyo kwiNqanaba leNzala
02 Ukuboleka kweNdabuko ngokumalunga ne-FHA Loan
Ukuba uthengela indlu okokuqala okanye ungenayo imali yokuthenga ngemali kwiminyaka emithathu, unokufumana umboleko we-FHA. Umboleko we-FHA unokukunceda ngeendleko zokuvala kwaye unganciphisa inani olidingayo ukubeka phantsi ukuthenga ikhaya. Okukhethileyo okwenzayo apha kuxhomekeke kwiimeko zakho zangoku. Ngeendlela ezininzi, ukugcina ukuhlawula kunye nokubeka phantsi ipesenti ezingamashumi amabini kunokuzibonisa ukuba ukulungele uxanduva lwemali lokuthatha ikhaya. Oku akuthethi ukuba kufuneka ulawule umboleko we-FHA okanye olunye uncedo lokuqala lomthengi ekhaya. Ukuba i-marhwebo yenza ixesha elifanelekileyo lokuthenga, kufuneka usebenzise ngokunjalo, ngokungakhathaliseki ukuba unako ukuthenga ikhaya.
03 Ukukhetha Ixesha leNgxowa yakho
Kubalulekile ukuqwalasela ngokucophelela ixesha le mboleko yakho. Oku kuya kugqiba ubungakanani bentlawulo yakho yokuthenga. Elifutshane elifutshane, inzala encinane uza kuhlawula ubomi bomboleko. Ixesha elincinci lithetha intlawulo ephezulu yenyanga. Thatha ixesha lokuthelekisa imimiselo eyahlukeneyo kunye nemali yokuhlawula njengoko ucinga ngexesha le mboleko yakho. Ukuba ufumana umboleko wesikhashana esifutshane, unokuhlawula ikhaya lakho ngokukhawuleza kwaye ukhulule imali yakho ukutyalomali kwaye uchithe kwezinye izinto, njengoko usondela ngakumbi kumhlalaphantsi. Xa uqwalasela imali yakho yenyanga yokuhlawula, kufuneka uqwalasele kwakhona irhafu yepropati kunye ne-inshurensi yomnini-mali. Ukuba ubeka phantsi ngaphantsi kwama-20 ekhulwini uza kufuneka uhlawule i- PMI , ngokunjalo. Oku kuya kubangela ukuba intlawulo yakho yenyanga ikhuphuke.
04 Ukuthenga i-Mortgage
Enye yeendlela ezilula ukufumana umboleko wemali kukusebenzisa umthengisi wemboleko. Umthengisi wemboleko uya kusebenza kunye nababolekisi abahlukeneyo ukukufumanisa imigaqo engcono kakhulu yemboleko yakho. Ukongezelela, umthengisi wemboleko angakunceda ukuba uzinzima ukuba zeziphi izigqibo eziza kuba ngcono kwiimeko zakho zezimali zangoku. Ibhanki yakho okanye inkontileka yekhredithi ingaba nomrhwebi wempesheni, kodwa unokufumana nabathengi bemiboleko ezimele eziza kunceda ufumane iitalente ezilungileyo. Ukongeza ekusebenziseni umthengisi wemali, unokufuna ukuphanda inkampani oyithatha imali mboleko ukuba uqiniseke ukuba uyayisebenzela ngokufanelekileyo abathengi bayo. Qinisekisa ukuba ufunde imimiselo yomboleko malunga nokuhlawulwa kwangaphambili kunye nokukhethwa kohlengahlengiso. Ezinye iingxowa-mali ziya kuhlawulisa iintlawulo xa uhlawula umboleko okanye uhlaziywa kwiminyaka emithathu okanye emihlanu yokuqala.
05 Gwema ukutshatyalaliswa kweeNgqesho zakho
Njengoko uqala ukwakha ubulungisa ekhaya lakho, kunokuzama ukuzama ukuhlawula imali ngokulinganayo ngemali mboleko yemali okanye ngokuhlaziya kunye nokuthatha imali ngaphandle kwekhaya lakho. Le ngcamango engalunganga kuba kuthetha ukuba uza kuhlawula imali kwi-mortgage yakho kwiminyaka ezayo. Zibophe ukuthenga ikhaya lakho kwaye uhlawule ngokukhawuleza ngoku. Ukuba unakho ukuhlawula ngokukhawuleza imali yakho, uza kukwazi ukujongana neemeko ezingxamisekileyo ezifana nokulahlekelwa ngumsebenzi ngokulula. Ukuba uhlawulela ukulingana kwakho ukuhlawula elinye ityala, ubeka ikhaya lakho engozini, kwaye unokulahlekelwa ngumzi wakho ukuba unzima ukukwenza iintlawulo kwixesha elizayo . Khusela ikhaya lakho ngokusebenza ukuhlawula imali yakho yokuthenga imali kwaye ungabikho ukulingana kwakho kwikhaya lakho.