Uluphi Ulwahlulo Phakathi Kwamatyala Akhuselekile Nokhuseleko?
Imboleko eqinisekisiwe ngumboleko oqhotyoshelwe kwinto ethile.
Oku kuqinisekisa umboleko kunye neendlela zokuba ukuba awukwazi ukuhlawula mboleko ukuba into ekhusela ityala iya kuba yinto efanelekileyo kwimboleko. Amabhanki anengcipheko emncinci xa afumana imali-mboleko kwaye ngaloo ndlela anika inzala emncinci.
Imboleko engakhuselekanga ayinayo ibhokhwe. Oku kuthetha ukuba inzala iya kuba phezulu kuba ibhanki ithatha umngcipheko omkhulu kumboleko. Xa ungayihlawuli, ibhanki ayinayo inxaxheba ngqo kwi-mboleko. Basenokumangalela ngokungabikho kwentlawulo kwaye mhlawumbi bahlolisise umvuzo wakho kwixesha elizayo, kodwa abanakukuthatha ikhaya lakho kude nawe.
Yintoni Ingozi Yokutshintsha Amatyala Angakhuselekanga Kumatyala Akhuselekile?
Ukuba kukho into eyenzekayo kuwe kwaye wawa emva kweekhredithi zekhadi lakho lesikweletu, iibhanki zinokumangalela ngenkokhelo, kodwa ikhaya lakho liyakukhuseleka nje kuphela xa uhlala uhlala kwintlawulo yakho yendlu. Ukuba ubuye wahlawula loo mabhili nge- mortgage yesibili okanye umgca wokulinganisa ikhaya kwaye abazange bakwazi ukuqhubeka kunye neentlawulo, ke ibhanki iyayisebenzisa kwaye ingayikhupha ikhaya lakho ukuhlawula amatyala.
Ukuba unokumemezela ukutshatyalaliswa kwezimali ungasoloko usebenza ukuze ugcine ikhaya lakho, kodwa oko kwenzeka xa uhlaziya amatyala ahlanganiswe nekhaya. Ukuba awuyikuthutha ityala lakho kwimboleko ekhuselekile kwikhaya, ukuba uthe uchaza umboleko imali iya kususwa ngokupheleleyo. Isizathu sokuba ungafuni ukuhambisa ityala elingakhuseliyo kumatyala aqinisekileyo kukuba uzama ukuzikhusela kwiimeko ezibi kakhulu.
Kufuneka usebenze ukuhlawula imali omele uyenze yona, kodwa usakhuseleke kwimeko apho wawuza kulahlekelwa ngumsebenzi wakho okanye ube nolunye uhlobo loxinzelelo lwemali .
Ziziphi ezinye iindlela zokuLawula amatyala ami?
Kufuneka ugcine ikhaya lakho likhuselekile kwaye libe ne-mortgage eyayiqhotyoshelwe kuyo. Ukuba uqokelelele ityala elikhulu kufuneka uqalise ngokusekwa komsebenzi wecebo lokuhlawula ityala lokuhlawula ityala lakho ngale ndlela. Ukuba ukhetha ukwenza umboleko wokudibanisa , kufuneka wenze enye engabandakanyeli ikhaya lakho mboleko. Isinyathelo sokuqala ekulawuleni imeko yakho sifumana ibhajethi ebhaliweyo . Emva koko kufuneka ufumane imali eyongezelelweyo ukubeka kwiimali zakho. Oku kuya kukumisa ukuba ungayisebenzisi imali ngokukhawuleza kumakhadi akho ekwereta. Kufuneka uqaphele xa udibanisa, kuba ukuba ungatshintshi imikhuba yakho yokuchitha imali uya kuqhubeka nokuqhuba ityala.
Ungaphinda ufune ukuqwalasela ukucebisa amatyala njengendlela yokufumana isingatha kwiimeko zakho. Enye yeengozi zokudibanisa kukuba abantu bayaqhubeka nokusebenzisa amakhadi abo okwereta kwaye baphelise ukukhupha amakhadi abo ekweleta ngaphezu kokubolekwa kwemali mboleko. Ukuba ufuna ngokwenene ukutshintsha imeko yakho, kufuneka uqale ngokutshintsha indlela ochitha ngayo inyanga nganye.
Ukucebisa amatyala kunokukunceda uqale ukwenza ezo zinguqu.
Ungaphinda ufune ukuqwalasela ukuhlawulwa kwetyala xa uvakalelwa kukuba imeko ayikho yolawulo. Ingaba nefuthe elibi kwikhredithi yakho, kuba iya kuthi ihlaziywe endaweni yokuhlawula ngokupheleleyo. Oku kufuneka kube yinto ekhethwa ngayo ukuba sele sele usele inyanga emva kokuhlawulwa kwetyala lakho. Xa uhlawula amatyala, uya kuqhagamshelana neenkampani zekhadi lesikweletu kwaye unikele ngenkokhelo encinane kwityala ngokutshintshela ityala elihlawulwa ngokupheleleyo. Uya kuhlawulwa irhafu kwiphina yezilinganiso ezixolelwe, kwaye kufuneka ucebe oko njengoko uhlawula ityala lakho.
Ezi zikhetho ziya kusebenza kuphela xa ufumana imeko yakho yangoku. Qala ngohlahlo lwabiwo-mali kwaye uyeke ukuya kwintlawulo nganye ngenyanga. Ukuba awukwazi ukwenza imali eyaneleyo yokufihla iindleko zakho zangoku, kufuneka uqikelele ukuthatha umsebenzi wesibini okanye ufumane indlela yokunciphisa iindleko zakho ukuze ungasebenzisi imali eninzi ngenyanga.
Cinga ukufumana umntu ohlala naye okanye ukupheka ekhaya ngaphezulu. Xa usebenza ngakumbi ekunciphiseni imali yakho, kuya kuba lula ukujongana namatyala akho nokuphucula imeko yakho yezemali.