Ukuthatha iindleko ezingaphezulu kunokungabi yiyona ndlela ihle kakhulu, kwanokuhlaziywa kweRhafu
Abanini bezindlu bahlala becinga ukuba kufuneka bathenge indlu enkulu ukuba bafumane inzuzo yokuncitshiswa kweerhafu. Kungenxa yokuba abanini bezindlu bayazi ukuba inzala abayibhatalayo kwi- mortgage yabo ihlawulwa irhafu . Ngakolunye uhlangothi, bayesaba ukuba baya kuba sekhredithi ephezulu. Ngoko, umbuzo uba, "Ngaba ndimele ndithenge indlu enkulu okanye eyabiza ukuze ndikwazi ukuthatha intela enkulu?"
Ngelishwa, imicimbi yerhafu kunye nempahla yendawo yokuhlala iyinkimbinkimbi kwaye akukho mpendulo ecacileyo.
Iimeko zerhafu ngamnye zihlukile kwaye zihlukile. Ukuba ucela lo mbuzo ngokokuqala into oyifunayo kukuba udibanise neCPA yakho okanye uchwepheshe wezentela unelungelo lokufumana iingcebiso.
Ngenxa yoko, kwiimeko ezininzi, ukudala indleko ngenxa yokuncitshiswa kwentlawulo kuthetha ukuba uchitha idola enye ukuze ugcine amasenti ama-35.
Umdla owuhlawulayo kwi-mortgage yakho yileyo, "inzala." Akunakunceda ukuba wakhe ukulingana. Kwakhona, inzala engaphantsi kwemali oyihlawulayo, ingcono.
Nokuba usebenzisa i-Cash, ayibalulekanga
Uninzi lwabantu abanakho imali eyaneleyo yokuhlawulela ikhaya ngokuthe ngqo. Nokuba ngaba unayo imali ekhoyo, unokube ngcono ekunciphiseni imali yabo ngokutyalombela ezinye zazo kwiimali zenkcazo okanye ezinye ii-equity. Ngamanye amazwi, kunokusebenzisa yonke imali yakho ukuthenga ikhaya kunengqiqo ukudibanisa ukubamba kwakho. Ukongezelela, ukuze kukhuthazwe umnikazi wezindlu, urhulumente wase-United States uncedisa umrhumo ohlawulwa kwii-mortgage.
Ngaba Unomdla Omkhulu Ukwenza Ingqiqo?
Kungenxa yokuba kukho umgca wokuba nomdla, oku akuthethi ukuba ufanele ujonge iindlela zokuhlawula umdla omkhulu ngangokunokwenzeka. Ekugqibeleni, imali yakho eyimali enzima iyakususwa kwipokoth yakho kwaye ayisetyenziselwa ukulinganisa ikhaya lakho.
Ngokucacileyo, awuyikubiza ibhanki yakho kwaye ubuze imali yokuthenga ngemali enomyinge ophezulu kakhulu ukwenzela ukuba unokuthi uthathe inzuzo enkulu. Ngaloo misonto, akunangqiqo kuwe ukuba uthenge ngokuzithengileyo indlu ebiza kakhulu ngenxa yokuthatha inkunkuma ephantsi.
Ezinye iindleko zokuCamngca
Ukuthenga ikhaya elikhudlwana (kunye nexabiso elibizayo) nje ukugcina kwiirhafu akuyona ingcamango engcono xa uhlola zonke iindleko eziza kuba nekhaya elikhulu. Ngokomzekelo, elo khaya elikhulu liya kuba libiza ngakumbi ukushisa ebusika kwaye lipholile ehlobo.
Kwakhona kuza kuthatha ixesha elide ukuhlambulula nokugcina. Ukongeza kokuthatha ixesha lakho kunye namandla, kuya kufuneka ukuba uchithe imali ethe xaxa ukuqeshisa umntu ococekileyo, umlimi, umyezo wegadi, njalonjalo.
Uzakufuna kwakhona ukuthenga ifenitshala eyongezelelweyo ukuzalisa zonke izithuba ezongezelelweyo ozithathileyo.
Xa ucinga ngako kuzo zonke le migaqo, ezilisithoba kwishumi, akusoloko uqikelele ukuthenga ixabiso elikhulu lokuhlawula irhafu yedwa.