Ngaba Ufanele Uhlawule I-Mortgage yakho Ngaphambi kokususa?

3 Imibuzo Yokubuza Ngaphambi Kokuhlawula Imali Yakho Imali Ekuqaleni

Iminyaka, ibe yinxalenye yolwazi lokuqokelela umhlala-phantsi ohlawula imali yakho ngaphambi kokuba uthathe umhlalaphantsi kufuneka ube yinto ephambili. Kodwa ngaba le ngcebiso iyinyaniso kubo bonke abaninikhaya kunye nabahlala phantsi? Impendulo kukuba kuxhomekeke. Nangona u-mortgage ngexesha lokuthatha umhlala-phantsi longeza i-bill bill yokuphila, emva kokuthatha umhlalaphantsi imali eyongezelelekileyo yokubhatala imali yakho ngaphambi kokuthatha umhlalaphantsi.

Ukuqaphela ukuba ukuhlawula imali yakho ngaphambi kokuthatha umhlalaphantsi isicwangciso esilungileyo kuwe, yile mibuzo emithathu ozibuze yona:

1. Ziziphi iiRhafu zeRhafu?

Enye indlela yokuvavanya isigqibo sokuhlawula imali yakho yokubambisa ngokumalunga nokugcina imali eninzi ekulondolozeni kukuthelekisa iirhafu zokubuyisela okulindele ukufumana ngokulandela indlela nganye. Ukuba ukhetha ukuhlawula umrhumo wakho wemali, isantya sakho okanye ukubuyela kwakho kuqinisekile; "ufumana" ngokulondoloza umyinge wenzala ehlawulwe kwi-mortgage yakho.

Ukuba endaweni yoko ukhetha ukugcina kunye nokutshala imali, izinga lakho lokubuyela liyahlukahluka kakhulu. Ulindelo lwakho luya kugqitywa ngendlela okhetha ngayo ukutyalomali. Ukuba ukhetha ukutyala kakhulu ngokukhuselekileyo, njengengxelo yokugcina imali, izinga lakho lokubuyela liza kuba liphantsi kakhulu, mhlawumbi ngaphantsi kwe-mortgage yakho. Ukuba ukhetha ukutshala ngokugqithiseleyo, unokufumana imali ephezulu ngokubuya, kodwa uya kwenza njalo ngeendleko zobungozi obukhulu kunye nokungaqiniseki okukhulu.

Kuba abaninzi abantu abacwangcisa umhlalaphantsi, ukubambelela kwishedyuli esisigxina kunye nokuqhelekileyo ngokuqhelekileyo banenzuzo kunokuba bahoxise ukugcina ngenxa yokuba bezama ukuhlawula imali. Ukuba ufumana ibhonasi okanye ngezinye iinkcukacha unokufumana ingeniso eyongezelelweyo yengeniso emva kweemali zakho zee-akhawunti zomhlalaphantsi, unokubeka enye eyongezelelweyo ekuhlawuleni imali.

2. Kuthiwani ngeNkcazo yeMali yokuThengisa iMali?

Ngayo yonke inkokhelo yokubolekwa kwempahla oyenzayo, unokufumana inzuzo yokubanjiswa komdla kwi-bill yakho yentlawulo. Nangona kunjalo, inzuzo yomnxeba wemali yokuthengiswa kwemali ingaphantsi kokucinga kwakho, ekubeni:

• Isamba sakho somrhudo singasentla: Ngomhlalaphantsi, awusebenzi kwaye ulondoloze, apho abaninzi banciphisa ingeniso yabo yerhafu ngenjongo yerhafu kunye nomyinge wabo werhafu.
• Inkokhelo yakho inomxholo oyintloko kunye nomyinge omncinci: Intlawulo nganye yokulandelwa kwemithwalo yemali ibandakanya enye inqununu kunye nomyinge ongaphantsi kweyokugqibela, ukunciphisa ubukhulu bomvuzo wakho wokubanjiswa kwemali kwirejista yakho yerhafu ngokuhamba kwesikhathi.
• Eminye imithwalo yakho yokuncitshiswa isenokuthi iphantsi, kwakhona: Ngenxa yokuba uhlala phantsi, mhlawumbi ukhokhela irhafu yengeniso encinane yombuso. Ekubeni ufumana kuphela inzuzo yerhafu kwinqanaba lakho lokuncitshiswa kwexabiso elidlulileyo kunaphezulu kokuncitshiswa kwakho okuqhelekileyo, oku kuthetha ukuba ufumane ngaphantsi kwekhefu lokuhlawulwa kwezindlu.

3. Ngaba awukhethanga iBhili okanye akukho Cushion?

Nangona kungenokuba yintuthuzelo yokuphepha umrhumo wesikhwama sokuthenga imali yonke inyanga yomhlalaphantsi, awufuni ukuhlawula imali yakho yonke xa uthe wenza njalo unokukushiya ngaphandle kwenkxaso yokugcina imali. Ngeke ufune ukufumana ukuba awukwazi ukuhlawulela imoto engalindelekanga okanye ukulungiswa ekhaya ngaphandle kokungena kumatyala ekhadi lekhredithi ngenxa yokuba uchithe imali yakho yokugcina imali yakho.

Ngokufanelekileyo, unakho ukuhlawula imali yakho yokuthenga imali kwaye unokugcina imali eninzi. Kungakhathaliseki, qiniseka ukuba ugcina ingxowa-mali yongxamiseko emhlala phantsi.