Ngaphambi kokuba Ufumane imali

Ukuba ucinga ngokuthenga ikhaya kwikamva elifutshane-okanye kwiminyaka embalwa-kufuneka uqhubise ulwazi lwakho lokuboleka imali. Funda into ongayenza ngaphambi kokufaka isicelo sokuthenga imali, ukuba ukhangele ntoni ngexesha le nkqubo, nendlela yokusebenzisa umboleko emva kokuba uthenge indlu yakho.

I-Credit yakho ibaluleke kakhulu

Imboleko yinto enkulu. Ibhanki ibeka ingozi kwimali eninzi, kwaye sele iyancipha kuba i-subprime mortgage debacle.

Ukuze ukwazi ukufumana imali yokuthenga imali, kubalulekile ukuba i-credit card ibalulekile.

• Yiyiphi iMboleko?
• Imisebenzi yeeNgxowa-mali
• Indlela yokwakha iMboleko

Unokuthi Unjani ikhaya?

Ababolekisi bemali mboleko bafuna ukuqinisekisa ukuba awubolekanga kakhulu. Bajonge ukuba iindleko zakho zokuthenga imali zihambelana nomvuzo wakho, ukuqinisekisa ukuba unako ukuhlawula. Zenzele izibalo zakho zokubhengeza imali ukuze uqonde oko unokukwazi ukukwenza.

• Qonda iNgxowa-mali yakho kwiRatio yeNgeniso
• Indlela Umatyala Wakho Ngayo Imali Yokufumana Imali Echaphazela Ngayo Imali Yakho
• Bala Iintlawulo zeMpahla

Abathengi bokuqala basekhaya

Ukuba ungumthengi wexesha lokuqala, qaphela. Unokufumana ilungelo lokuthenga imali. Ngamanye amaxesha ezi zinto zibaluleke kakhulu, kwaye ngamanye amaxesha azikho. Qinisekisa ukuba uqhelane nale nkqubo kunye nemingcele kule mivuzo.

• Indlela yokuqala yokuThengwa kweeNkcitho zomThengi waseKhaya
• Indlela Amaphuzu Asebenza ngayo
• Amanqaku Okuhlawula okanye Ukuhlawula Okukhulu Kakhulu?

Ukuba Ufumene Ikhaya Lakho Lokuphupha

Iminyaka engama-30 engama-mortgage rate ye-mortgage ngokuqhelekileyo ibhekile kwaye ibhetele kakhulu, ngakumbi ukuba ulindele ukuhlala endlwini yakho iminyaka engaphezu kwe-5 okanye njalo.

Kulula ukuqonda nokukhetha ukwahlula umyinge wemali.

• Iimali-mboleko zee-Fixed-Rate Work
• Fumana iNgxowa-mali engalungile ngokuthelekisa u-APR

Ukuba Unako Ukuthintela Imboleko Yomngcipheko

Kukho iintlobo ezahlukeneyo zokukhethwa kwemithwalo yokuthenga ngaphandle. Unokufumanisa ukuba ezinye zezona zinto zendalo (njengomdla kuphela, ukuhlaziywa okubi , kunye nemilinganiselo ye-mortgages ).

Ezi mboleko zingase zisebenzele abantu abaqeshwe ngokwabo abangenakuqikelela (kodwa baneleyo) ngeniso, abatyala-mali bezindlu, kunye nabathengi ngesicwangciso esithile esifana nale mboleko. Nangona kunjalo, unokuzifumana enkingeni, ngoko uhlawulela ukufunda ngeengozi. Fumana into omele uyibukele kuyo yonke into yokuthenga imali .

• Amanqaku angama-Mortgages aphezulu
• Imali Yemiqulu Ephantsi

Ukuba Uqwalasela I-Mortgage Second

I-mortgage yesibini ikuvumela ukuba uboleke kwixabiso lekhaya lakho. Ungakwazi ukufikelela kumgca omkhulu wekhredithi ngenani elikhangayo. Fumana indlela yokusebenzisa imali yesibini, kunye neentonga.

• Iimbini zeeNgxowa-mali ziSebenza
• I-Second Mortgage Iingcebiso ezikhawulezayo
• Ukukhishwa kweRhafu yeNkxaso-mali yaseKhaya

Ukuba Unayo Imali Encinane Yentlawulo Ephantsi

Kunokwenzeka ukuba ufumane umboleko ngaphandle kwe-10% -20% yentlawulo. Kwanamhlanje, abantu bafumana i-mortgage ngaphandle kwemali. Kukho iiprogram ezimbalwa ezivumelekileyo ukuba ufumane umboleko wempahla encinane kakhulu. Ziqhelana nezinye zeenkqubo ezikhuselekileyo zokubolekwa kwempahla ngaphandle.

• FHA Imali
• Ukwandisa uMthetho wasekhaya waseMelika waseMakhaya
• Thenga i-HUD ekhaya kwaye Gcina

Ukuhlaziywa kwakhona kwemali

Kufike ixesha apho unokufumana imali engcono. Mhlawumbi izinga lokuhlawula imali litshintshile, okanye i-credit yakho iphuculwe.

Ukuxhaswa kwemali mboleko yintengiso ebonakalayo xa kwenziwa ngenxa yezizathu ezifanelekileyo. Fumana xa kunengqiqo ukucokisa umboleko kunye nendlela yokwenza ngayo.

• Mortgage Refinancing Basics
• I-Home Mortgage Refinancing Iingcamango