Imali mboleko yesibini ngumboleko owongezelelweyo malunga nekhaya lakho. Zininzi izizathu zokuba abantu bathathe i-mortgage yesibini. Abanye abantu baya kwenza oku ukuphepha ukuhlawula i-PMI (i- Private Mortgage Insurance ) xa bengenayo inkokhelo enkulu ekhaya. Abanye abantu baya kuthatha i-mortgage yesibini ukuze bahlawule imali kwikhaya labo. Baya kusebenzisa loo mali ukuhlawula ityala, okanye ukwenza ukuphucula ekhaya.
Basenokuthabatha imali-mboleko yemali yokwenza imali ukulungisa indlu . Ukuba ucinga ngokuthabatha i-mortgage yesibini, kubalulekile ukuqonda indlela isebenza ngayo nendlela ekuchaphazela ngayo uhlahlo lwabiwo-mali. Awufuni ukubeka ikhaya lakho engozini ngokuboleka imali engaphezulu.
Umsebenzi wesiBini weNgxowa-mali?
Intlawulo yesibini iyafana neyokuqala yokuthenga imali . Ingumboleko okhuselekile ngekhaya lakho. Imboleko iyimali ebekiweyo kwaye uya kufumana umvuzo wesikhathi esisodwa ngenani lemboleko. Emva koko iintlawulo ziyimali ehleliweyo inyanga nganye kwixesha elimisiweyo lemboleko. Amanani omyinge kwi-mortgage yesibini athambekele ekuncinci kancinane kuba imali yesibini yokuthenga imali iya kufumana imali kuphela emva kokuhlawulwa kwemali yokuqala. I-second mortgage ithatha ingozi efana neyokuqala yemali mboleko xa ungaphumeleli ukuhlawulwa kwemali mboleko, ikhaya lakho lingena kwi-foreclosure kwaye ungayilahleka.
Ingqesho Yomhlala-mali Ekhaya?
Imboleko yemali yokulinganisa ikhaya ngumgca wesikweletu.
Xa uvula umgca wekhredithi, uya kunikwa iisethi zokuhlola ukuba unokukusebenzisa ukufikelela kwimali njengoko uyifunayo. Xa uqala ukufikelela kwimali, uya kufuneka wenze iintlawulo zenyanga. Inani lokuhlawula liya kuxhomekeka ekubeni ungakanani umvuzo ngoku. Oku kufana kakhulu nekhadi lesikweletu kuba unokuqhubeka nokufikelela kwibhalansi ekhoyo ngexesha nje umgca wekhredithi uvulekile.
Kubalulekile ukuqonda imida esetyenziswe kwimali mboleko yakho yasekhaya. Ibhanki inokunciphisa inani leentengiselwano ongayigqiba inyanga nganye okanye imali onokuyikhupha kuyo. Ibhanki ingavala i-akhawunti ukuba awuhambanga le mithetho.
Ndingayifaka Njani Imboleko Yesibili?
Ukufaka isicelo sokuthenga imali yesibini kufana neenkqubo zokuthatha imali yakho yokuqala. Kuza kufuneka ukuba ube nekhaya lakho elichazwe. Imali ekhoyo kuwe iya kuxhomekeka kubulungisa kwikhaya lakho. Unokuqala ngokuya kwibhanki yakho okanye kwimanyano yemboleko kunye nokufaka isicelo semali mboleko kubo. Uya kufuneka uhlawule umrhumo wemvelaphi. Izinga lomdla kwi-mortgage yesibini zihlala ziphakamileyo kunokuba zihlawulwe kuqala, kodwa zisezantsi kuneemali mboleko. Yilungiselele inkqubo ethatha ixesha lokugqiba, njengoko ibhanki iya kufuneka ihlolisise ngaphezu kwekhredithi yakho ukucacisa inani elinokukuboleka.
Ngaba ndifanele ndiyithathe iMbondari yesiBili yokuBhatala uMatyala?
Ukuba ucinga ukuthabatha imali yesibini yokuhlawula ityala, kufuneka uqaphele. Abantu abaninzi baya kuhlanganisa amatyala abo baze bafumane isixa-mali esikhulu sekhadi lesikweledu kwakhona kwisixa esifutshane.
Oku kungenxa yokuba abajongisi iingxaki ezibangele ukuba bangene kwibanga kwindawo yokuqala . Kwakhona ubeka ikhaya lakho engozini ngenxa yokuba uhamba netyala elingaqinisekisiwe ekhaya lakho. Ukuba awukwazi ukwenza iintlawulo zakho ungalahlekelwa ngumzi wakho. Ngokuguqulwa kwemigangatho yamakhaya, unokuphelisa ngaphantsi kwamanzi kwi-mortgage yakho , ukuba uthabatha imali eyongezelelweyo malunga nekhaya lakho. Kungcono ukuba ungayibopheli ityala elongezelelweyo kwikhaya lakho ukuba unokukuphepha. Ukuba ufuna ukudibanisa, cinga ukuthatha umboleko wesignesha okanye umboleko wokuhlanganiswa kwibhanki endaweni yoko.
Kuphi i-Mortgage My Second ifikelele kwiCwangciso soTyala soTyala sam?
Ukuba unesibini yokuboleka imali kufuneka ukuba kubandakanywe kwisicwangciso sakho sokuhlawula ityala . Ekubeni isantya somdla siphezulu, akufanele siphathwe ngendlela efanayo neyokuthenga imali yakho . Kufuneka usebenze ukuhlawula eli tyala ngokukhawuleza njengoko unako.
Ukuba ucingisisa ngemali yesibini yokubambisa ngemeko nayiphi na isizathu, qwalasela ngesizathu sokuba uyayenza kwaye ingaba ungenako ngokwenene ukunyuka kwindleko yesibini. Ngokuqhelekileyo uya kuba ngcono xa ungagcina kwaye ukhokhe imali ngemfuno zakho ezininzi. Ukuba ukhathazekile ngetyala lakho, ukubeka isicwangciso sohlawulelo setyala kunokukunceda ukuba uhlawule ityala lakho ngaphandle kokunika ingozi efanayo nokusebenzisa i-mortgage yesibini ukuhlawula amatyala.
Ngaba ndingayisebenzisa iMboleko yesiBini njengentlawulo ephantsi kwekhaya lam?
Kungcono ukuba unako ukugcina ukuhlawula kwekhaya lakho endaweni yokuthatha imali yesibini. Oku kuya kukubeka kwindawo engcono yezemali kwaye kwenze kube lula ukuthengisa ikhaya lakho. Kungakukhusela ukuba ungaphantsi kwamanzi kwi-mortgage yakho. Kubalulekile ukuba ugweme ukukhipha imali kwikhaya lakho. Ungasebenzisa ubulungisa xa uthatha umhlalaphantsi okanye xa uthengisa ikhaya uze ushukuthelele kwenye entsha. Intlawulo yesibini kufuneka ibe yinye yeendlela ozikhethileyo xa ufuna imali eyongezelelweyo. Ukuba unesibini, kufuneka uhlawule ngokubaluleka.