Kukho iintlobo ezahlukeneyo zokuthenga imali ezifumanekayo kuwe. Xa kuziwa ekukhetheni i-term right mortgage kunye neendlela zokuhlawula , kufuneka uhlolisise umngcipheko ochaphazelekayo ngamnye kubo. Kufuneka uqaphele ngenyameko ukunikezelwa kwemali mboleko oyifumanayo. Kufuneka uqikelele ukuba unako ukuthenga unyaka lunye ngelixa kuquka neendleko zerhafu kunye ne-inshorensi. Umele uboleke kuphela ubuncinci obuncinane ukuze ungapheli phantsi kwamanzi kwi-mortgage yakho . Ukuba awukho inkokhelo ephantsi egcinwe ungathanda ukuqwalasela umboleko we-FHA. Amabhanki anokubonelela ngemigaqo efanelekileyo yokuthenga imali , kodwa kufuneka uqaphele ukuba ufumane ithuba elide lokugcina imali.
01 Imali yokuThengiswa kweMali
02 Ukulungiswa kwemali
Enye indlela yokuthenga imali yintengo yokuguqula imali (ARM). Le mboleko inikezela umyinge ophantsi we-interest rate, oko kuthetha ukuhlawula okuphantsi kweentlawulo. Nangona kunjalo, i-ARM iya kulungelelaniswa emva kokukhethwa kwentlawulo yokuqala. Nanini na ukuba inzala yenzalo iphakame ukwenzela ukuba uya kuhlawula. Kubalulekile ukuqaphela ukuba kuya kufuneka ukuba wenze imali eninzi ukuze ukwazi ukuqhubeka nokuhlawula imali. Abaninzi bemali mboleko baza kugxininisa le ndlela kwaye baxelele ukuba unokuyilungisa kwiminyaka emithathu ukuphepha ukulungiswa, kodwa inzala inokuthi iphakame kweso sikhundla. Ukongezelela, indlu yakho ayikwazi ukunyuka kwixabiso elingenza ukulungiswa ngokukhawuleza kungekudala lula.
03 Inzala kuphela Iintlawulo
Inzala kuphela yintlawulo enye inketho xa kuziwa kwiintlawulo zakho zokuboleka imali. Olu khetho luya kunciphisa inani lakho lokuhlawula, kwaye ungeze uguquko olukhulu kwiindlela zakho zokuhlawula. Nangona kunjalo, awukwazi ukwakha ukulingana nalolu khetho, kwaye unokuzifumana kwimeko enzima xa ukhetho lwentlawulo kuphela luphela. Kufuneka uqaphele kakhulu xa kuziwa kwimali-mboleko kuphela .Abantu abaninzi baya kusebenzisa ukhetho kuphela xa benza umboleko wokwakha baze bahlaziywe kwi-mortgage bendabuko xa kuqedile ikhaya. Oku kunokuyingozi.
04 Yiyiphi Inketho Ngaba Ndilungele?
Ngokuqhelekileyo, izinga elimisiweyo lokubambisa imali yinto efanelekileyo. Ukuba awukwazi ukuthenga ikhaya kwiminyaka emashumi amathathu engama-mortgage ngemilinganiselo echanekileyo, mhlawumbi asinako ukuthenga ikhaya. Kukho izinto onokuzenza ukuze kube lula ukuthenga. Unokusebenza ekulungiseni ingxelo yakho yekhredithi ukwenzela ukuba ufanele ukufumana amaxabiso enzala angcono oku kuthetha ukuba uya kuba neentlawulo eziphantsi zenyanga. Ukongezelela, unako ukusebenzela ukugcina imali enkulu. Oku kuya kunciphisa umlinganiselo owufuna ukuboleka, okwenza ikhaya lakho lifikeleleke. Unokucinga kwakhona ukuthenga i-fixer esezantsi okanye uhambela kwisixeko esithile okanye kwindawo eseleyo eneendawo ezinokuthenga izindlu. Kusenokufuneka ulungelelanise izilindele zakho, ngakumbi kwikhaya lakho lokuqala.
05 Umshuwalense Wemali Yobunini
I-inshurensi yangasese yokubambisa i-inshurensi iyadingeka ukuba awubeka phantsi ipesenti ezingamashumi amabini ekhaya lakho. I-inshurensi yangasese ye-mortgage ikhusela umboleki-mali, xa kwenzeka ukuba ungekho phantsi kwemali mboleko yakho. Unokuphepha ukhuseleko lwe-inshurensi yangasese ngokusebenzisa imali yokudala. Ngokwenza oku, uthabatha i-mboleko yesibili ukufihla ezinye iipesenti ezingamashumi amabini zemboleko. Inzala yemali mboleko yesibili iphezulu. Xa ukulingana kwakho kuncinci kuneepesenti ezisibhozo ungabuza i-bhanki ukuba ihlole umboleko wakho kwaye ikhuphe i-PMI. Awudingi ukuhlawula oku kubomi bemboleko. Musa ukudibanisa le ninshurensi yomninikhaya ekukhusela ukuba ikhaya lakho litshise okanye lilinakele. Ngethuba nje unayo imali, ibhanki iya kufuna ukuba uyenze oku, kodwa uya kuyithenga ngokuhlukileyo.