Kwaye, emva kwexesha emva kwekhaya kunye nokuthengiswa kudlulile, uqaphela ukuba igama lomboleki lihlukile ngokupheleleyo kunenkampani oyikhethile.
Emva kwakho konke olo uphando kunye neengxoxo, i-mortgage yakho ithengisiwe.
Kungaba nzima, kwaye kungabikho nto. Nantsi into onokuyilindela.
Ingxenye ezintathu kwi-Mortgage
Xa ufaka isicelo sokuthenga imali , kukho iinkalo ezintathu kwi-mortgage.
- Umboleki weMboleko
- Inkampani yokubolekisa
- Inkampani ekhonzayo
Umntu oya kumjongana naye ngumntu ovela kumbolekisi: Benza yonke iphepha, kwaye banokunceda ukuba wenze isicelo semboleko. Umsunguli uthumela isicelo kwiinkampani ezibolekayo. Ukuba udibana nezikhokelo zabo, bayavuma imvume mboleko kwaye ngoku unayo imali yokuthenga indlu. Inkampani yokubolekisa inokuthi isebenze njengenkampani yokuncedisa kunye, kodwa ngaphezu kokuthi bayayithengisela kwenye inkampani. Inkampani yokubonelela ngubani obhala isheke lakho nyanga zonke ukuze uhlawule indlu.
Kutheni Kutheni Ukuthengiswa Kwakho Kuza Kuthengiswa
Umboleki wakho wemboleko uhlawulwa ikhomishini nganye yemali ebeka kuyo.
Umniki-mboleko kunye ne-servicer, nangona kunjalo, kufuneka babuyise imali yabo ngokuthe ngcembe, ngokuqhelekileyo ngaphezu kweminyaka eyi-15 ukuya kwe-30.
Ukuba inkampani yokubolekisa isebenza ngemali nganye ebolekwa ngemali, kuya kufuneka ibe neebhiliyoni ezininzi zeedola ukuqinisekisa ukuba babekho imali efumanekayo yokubonelela loo mboleko.
Uninzi lweebhanki kunye namaziko ngokukhawuleza ziya kubanjelwa ngenkokhelo ukuba zihlawulwe nganye mboleko. Kunoko, baya kubuthela ndawonye (ngokuqhelekileyo iqela leemali-mboleko ezinamazinga afanayo anobungozi), kwaye bathengise kubo abatyali-mali (amaninzi karhulumente karhulumente afana noFannie Mae okanye uFreddie Mac). Ezi nkampani zonyusa zizithengisa njengezibophelelo (mhlawumbi unokuba nazo ezinye iiphothifoliyo zakho ezityalomali kuzo). Ngokuthengisa ngemali mboleko, inkampani yokubolekisa ngoku ibenayo imali enokuyiboleka komnye umthengi.
Yintoni ongayilindela ngeNkampani yakho entsha yokukhonza
Yinto eqhelekileyo kumthengisi ukuthengisa imali, kwaye kusemthethweni ukuba benze ngaphandle kwemvume yakho. Oko kufuneka bakwenze, nangona kunjalo, kukunikezela ngesilumkiso sokuba umboleko wakho uza kuhanjiswa yinkampani eyahlukileyo.
Umntu omdala wemali mboleko kunye nomnini-mboleko omtsha kufuneka akuthumele isaziso kungabi ngaphantsi kweentsuku ezili-15 phambi kokudluliselwa. Umthengisi omtsha kufuneka anike iinkcukacha zokuqhagamshelana zingapheli iintsuku ezingama 30 emva kokugqitywa kokugqitywa ukuze wazi apho ungathumela khona intlawulo, nokuba ungene njani xa ufuna uncedo. Futhi ungakhathazeki ukuba uthumela intlawulo kumthengisi omdala! Ufumana ithuba lobabalo lweentsuku ezingama-60, ngoko-mboleko yakho ayiyi kuhlambalaza xa wenza iphutha ngolu hlobo lokuqala ukujonga kwinkampani entsha.
Kuthiwani malunga neenkcukacha ze-mortgage? Inkokhelo yakho iya kuhlala enye (ngaphandle kokuba unomboleko we- ARM , kwimeko apho inzala ingayilungisa). Imboleko yakho iya kuqhubeka isebenza ngokufanayo njengoko yenzayo kumdala-mboleko, ngoko ukuba uneminyaka engama-19 ushiye kude uhlawulwe, uneminyaka engama-19 isele. Ukwahlukana kuphela kuya kuba negama lenkampani obhala kuyo kwisheke (kunye nedilesi apho uyithumela ngayo).
Enye into enokuba nefuthe elikhulu kwiimali zakho yimiqathango yokuguqulwa kwemboleko. Kukhona iinkqubo ezikhoyo ezivumela ukuba usebenze kunye nomboleki wakho ukuguqula imiqathango yemboleko yakho ukuze kube lula ukuba uhlawule iibhokhwe zakho (inzala inokuncitshiswa, ubude bemali mboleko buyakwandiswa, okanye umboleko inokuguqulwa ukusuka kwintlobo eguquguqukayo ukuya kunomdla osisigxina ).
Ukuba umboleko wakho uthengiswa ngeli xesha xa uhamba kwinkqubo yokuguqulwa, kuya kufuneka uqale yonke indawo.
Indlela Yokugwema Ukuba Ukuthengiswa Kwakho Kwemali
Kodwa emva kokuba yonke loo nto ifumana inkampani elungileyo ofuna ukuyenza ishishini, ngaba kukho into onokuyenza? Ziziphi amalungelo akho njengomboleki xa kuziwa ekubolekeni kwemali mboleko?
Xa usayina isivumelwano sakho sembolekiso, kukho isigatya esincinci kubo abathi banelungelo lokuthengisa imali yokuthenga imali kwiinkampani enye yokusebenzela. Ukuba ufumana isaziso sokuba umbolekisi wakho uthengiswa, ngokuqinisekileyo unokhetho ezimbini: hamba kunye nalo, okanye uhlaziywe kwenye inkampani .
Ukuba ungasayineli iphepha, kukho iindlela onokuqinisekisa ngazo ukuba umboleki wakho uza kuba ngumnini kunye nenkampani ephuma kuyo. Konke omele ukwenze kucela. Ngokuqhelekileyo ababolekisi bemali mboleko enkulu, njengamabhanki ehlabathini lonke, abayi kwenza eso sithembiso. Kodwa abancinci nabancinci bendawo, njengamanyano enkredithi, baya. Ukuba ufuna ukuphepha ukuthenga imali yakho, qalisa uphando lwakho kunye neebhanki zendawo kunye neemanyano zesikweletu.
Ama-Mortgages Athengiswa Ngamhla
Umgca wokugqibela kukuba imali yakho yokuthenga imali ingathengiswa. Inceda ukugcina intlawulo yemigangatho yokhuphiswano, ikhuthaza ubutyebi, kwaye kuyo yonke into ayinakubona nayiphi na imiphumo emibi yokuthengisa. Kodwa khumbula ukuba iimpazamo zenzeke. Inkqubo ngokuqhelekileyo ayinamandla, kodwa iiphoso zenzeka. Ukuba uqaphele ukuba inkokhelo yakho ishintshile, imigaqo ishintshile, okanye into ayibonakali ilungile, qala ngokubiza inkampani entsha yokubolekisa ngemboleko. Ukuba oko akusebenzi ukuba kulungiswe izinto, unokufaka ifowuni kwiBhodi yoKhuseleko lwezeMali.