Isikhokelo sokuThengiswa kwemali kunye neNzuzo
Yintoni iRefinancing Mortgage?
Ukuthengiselana kwezinto ezenzekayo xa kwenzeka utshintshele umboleko omdala omnye.
Imboleko yakho entsha ihlawula umdala, kwaye uqala ukwenza iintlawulo kwi-lender entsha.
- Funda kabanzi: Ukuhlaziya - Inkcazo
Izinzuzo zokuhlaziya kwakhona
Imboleko entsha, ehlelwe kakuhle ingaphucula imeko yakho yezemali. Ngokukodwa, unako:
- Nciphise intlawulo yakho yenyanga
- Iindleko zemihla yokuphila engaphantsi
- Nciphise umngcipheko, ukuba unesilinganiselo sokuthenga imali
- Fumana imali ngezinye iinjongo
- Ukuhlanganiswa kwetyala kwaye mhlawumbi ufumana iintlawulo zerhafu
Ukufumana imizekelo yeenzuzo ezimbini zokuqala ezichazwe ngasentla, kunokukunceda ukuqhuba amanani. Sebenzisa i-calculator yethu yemboleko ukuze ubone indlela ukuhlawulwa kwenyanga kunye neendleko zenzalo kuya kutshintsha xa ufumana ixabiso eliphantsi. Qaphela ukuba iindleko zakho zemihla yokuhlala inzala zingakhula xa ulungiswa kwimali-mboleko ehlala ixesha elide kunomboleko wakho wamanje.
Iindleko zokuQinisekisa
Ewe, ukuhlaziywa kwempahla yokuthenga impahla ayikho nto. Uya kuhlawula imali kwi- lender yakho entsha ukuhlawulela imali yokuboleka imali.
Unokuhlawula kwakhona amaxwebhu omthetho kunye nokufakela, ukuhlolwa kwekhredithi, ii-appraisals, kunye nokunye.
Nangona i mboleko ipapashwa njengemali-mboleko yokuvala "ayiyikuvala, uhlawula loo ntlawulo (nangona ungaboni). Ngokuqhelekileyo, oku kwenzeka ngezinga eliphezulu lomdla.
Ngaba ukuhlaziya kwakhona kwenza i-Sense?
Kufuneka uqikelele i- pros and cons ye-loan yakho endala kunye nemboleko emitsha ukugqiba.
Ngokubanzi, ukulungiswa kwempahla yintengo kukuhamba kakuhle xa ungagcina imali ngokuvalela inzala engaphantsi okanye ukuhlawula, ukunciphisa ixesha lakho lokuboleka imali, okanye ukulungiswa kwetyala ngokufanelekileyo.
Emva kokuba uqonda iindleko, vavanya ukuba uza kusindisa ngaphaya kwexesha kwaye uza kuthatha ixesha elingakanani ukubuyisela iindleko eziphambili ezihambelana nokuhlaziywa kwempahla. Uya kugcina umboleko (okanye uhlala ekhaya) ixesha elide ukwenzela ukuba lilungele?
Enye indlela yokubukela oku kuluhlu oluphambili-kwanokuhlalutya - uza kuphuma nini? Kodwa kukho into eninzi ukuyiqwalasela.
Xa Iinjongo Ezilungileyo
Ukuhlaziywa kwemali yinto efanelekileyo xa uya kunenzuzo ngokwenene kwimboleko entsha. Ezinye izikhombisi ezinokuba yinto efanelekileyo kukuba:
- Amanqanaba omdla aphantsi
- Ikhredithi yakho iphucule ekubeni ufumana imali yakho yokuqala
- Uya kugcina umboleko ixesha elide
- Unokuphepheka ukuhlaselwa ngengozi enkulu yokuthenga imali
- Unokufumana imali mboleko yemali endaweni yokubolekwa kwemali mboleko kuphela
Ngaba ufuna uncedo ekucingeni ukuba ngaphandle? Jonga indlela yokuxelela ukuba ukulungiswa kwempahla kunengqiqo kuwe . Qinisekisa ukuba uhlaziya kuphela izizathu ezifanelekileyo .
Xa Iyona Imbono Emibi
Kufuneka uphephe ukuhlengahlengisa imali yakho yokuthenga imali xa uchitha imali kwaye ukwandisa ingozi. Ngamanye amaxesha unomyinge onomtsalane omncinci kunye nentlawulo nganye yenyanga inokudlula ixesha elide - nokuba ngaba unceda namhlanje.
Kufuneka kwakhona uqiniseke ukuba ungazibuyisela zonke iifizi phambi kokuba udibanise.