"Umyeni wam kunye nam siyazibuza ukuba sifanele sihambe kude nekhaya lethu? Sathengisa ikhaya ekuphakameni kweemarike, kwaye ngoku ke kuxabiseke kakhulu kunokuba sihlawulele. kwenkampani yokuboleka imali kunokuba ikhaya lethu lifanelekile.
Sobabili sinemisebenzi emihle kwaye asikho emva kwintlawulo yethu yokuthenga. Kodwa amanye amalungu entsapho athi kufuneka sihambe. Ukuba akuyona into enkulu, kwaye sinokuqala. Singavuya kakhulu ukuqesha ixesha elithile. Ngaba ngokwenene kulula ukukrazula lo mthwalo? Ngaba kufuneka sihambe ukusuka ekhaya? "
Izinto oza kuziqwalasela
Ndiyakwazi ukuva ilizwi likaMama likhankanya entloko yam, "Ukuba wonke umntu uyagxuma ehlathini, ngaba ufanele uyenze?" Impendulo inokwenzeka ukuba akukho. Akulula ukuhamba ngokucacisa ; kuyabuhlungu, ukugubha umlenze, kunye nokuchitha ixesha.
Khawuqwalasele oku: umzuzu uqhuba imoto entsha yegama elitsha kwindawo yokupaka, ayifanelekanga into oyihlawulayo. Akukho nto. Kodwa akuthethi ukuba akukho nto. Ngaba oko kuthetha ukuba ufanele ujikelele loo moto ngokujikeleza, uqhube umva kwintengiso yomthengisi, uze unike izitshixo?
Mhlawumbi akunjalo, wenze ukhetho lwakho-mhlawumbi ungazibophezela ukubuyisela imali mboleko yemoto. Kufuneka uxhomeke kule moto. Ngenye imini uya kulihlawula, kwaye uya kuyithengisa kwenye imoto, ubeke intengo yaloo moto emfokothweni lakho.
Ikhaya alinjalo. Enye into, ufuna indawo yokuhlala. Kukho izizathu ezininzi zokuba nekhaya . Kwesinye, wenza isithembiso sokubuyiselwa imali mboleko, kwaye abaninzi abantu banomuva wokuziphatha, ukuba akunjalo ngokomthetho, unyanzelekile ukuba ulandele igama labo.
Ingumcimbi wobungqina bentliziyo.
Kanti esinye isizathu sokuba iimarike zihamba ngokujikeleza. Awunakho ixesha lokuthengisa impahla . Ekugqibeleni, oko kuhla kuya kubuya phezulu. Ngokomlando, ixabiso lexabiso leempahla lixabisa ngaphezu kwexesha.
Makhe ndigxininise ukuba i- imeyile yeJingle ayilona khetho. Unendlela engcono yokuthenga kunye nebheyili.
Nangona kunjalo, andiyikuthetha ukuba kufuneka uhlale apho okanye uqhubeke uhlawula imali yakho.
Amasayithi e-Intanethi Ukuhamba Ekhaya Lakho
Kwabanye abantu, ukuhamba kude kuyisisombululo kuphela kuba abanako ukukwazi ukuhlawula imali yentlawulo yemali ngenxa yokuhlawulwa kwemali mboleko. Ngoko, bajonga kwi-intanethi kwisisombululo.
Azikho izisombululo ezithembekileyo kwi-intanethi kulaba bahamba ngeenzuzo. Ezi ziinkampani ezixhamlayo kwiintlungu ezibolekisayo ezibolekisayo kwaye ziqhubele phambili inkolelo yokuba ukuhamba kude nokuya ekungcatshweni kuyindlela engqiqweni.
Awudingi uncedo lenkampani e-intanethi ukukunceda wenze into onokuyenza. Musa ukuludibanisa iipokotshi zabaxhamli. Kukho imibutho eninzi engenzi nzuzo eyakunceda uxoxisane kunye nomboleki wakho okanye unikeze ezinye iindlela ezifanelekileyo, kwaye abanakukuhlawulisa:
- I-National Credit Foundation yeCredit Counseling
- Ithemba Ngoku
- Ii-HUD eziVunyelwe iiNkonzo zoLuleko
Unokufumana kwakhona ii-arhente zengingqi ezingenzi nzuzo eziza kukunika isiluleko samahhala malunga nokuchithwa. Shayela i-ofisi yelungu lebhunga lendawo ukuba uthole le ngcaciso.
Ukuqhankqalaza
Ukuba uthe wawa emva kweentlawulo zakho, ngokukhawuleza, uninzi lwezikhwama zokuqhawula izakukufumana .
Ezi nkampani ziza kuluhlula isihloko kuwe ngokukhawuleza kunokuba ungathi, "Yintoni yokuyeka ukuyeka ?" Musa ukwenza ishishini nabo. Shayela umhlobo othembekileyo okanye ummeli wezakhiwo zangaphambili ngaphambi kokuba avume ukufumana "uncedo" kwinkampani ofuna ukutsala ikhaya lakho ngokwenza izithembiso azikwazi ukuzalisekisa.
Ukuyeka ukuQala
Ukuba ufikelele kwindawo apho iSaziso soMntu oPhezulu sifakwe khona, kwaye uqhubekele ekungqatshelweni, kukho iindlela zokumisa ukuvalwa . Kwakhona, jongana neenkampani ezihloniphekileyo ezingenayo inja emncintiswaneni. Zibuze, ukuba inkampani imele inzuzo ekuncedeni, uncedo oluninzi olunokuthi lunikeze?
Ngaphantsi kwinqanaba lokuhamba
Ukubhengezwa kwangaphambili kuya kuchitha inkokhelo yakho. Le ngxowa-mboleko iya kuhlala kwi-credit report yakho iminyaka elishumi. Ukuthengiswa okufutshane kukuchaphazela i-credit - kugqiba ukuthengiswa okufutshane kuya kukulondoloza ingxelo yakho ye-credit.
Unokufanelekela ukuthenga enye indlu emibini ukuya kwimithathu emithathu, kodwa inzala enenzelwe yona ayiyi kuba yinto ekhangayo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.