Nangona unokuthi uqhubeke uhlawula imali yakho yokuthenga imali ngelixa ulinde ukuthengiswa kweemarike, unokufumana ithuba lokuhlaziya kunye nokuphucula imeko yakho yokuboleka imali.
Enye inketho, iNkqubo yeRefance Refinance Programme yaseKhaya (i-HARP), yongezwa ngoDisemba 31, 2018.
Ukunyuka kweeNkcazo zeMali: Yiziphi izinto ozikhethayo?
Abaninimzi abanamakhaya abanokulingana okungafaniyo bafuna ukuhlaziywa, kodwa ikhaya labo, kunye nokubonakala ngathi wonke umntu, lithengela ngaphantsi kunokuba lusetyenziswa. Mhlawumbi uye waya kwiibhanki ezimbalwa ukuze uhlaziye ikhaya lakho, kodwa bathi umlinganiselo wakho wexabiso-mboleko (LTV) uphezulu kakhulu. Ngamanye amazwi, umboleko wakho wezindlu zokubolekwa ngemali ininzi enkulu yepesenti yexabiso lakho elikhoyo elikhoyo elikhoyo, okanye empeleni lidlulile. Ngethamsanqa, unokhetho oluthile.
Kunokwenzeka ukuhlaziywa kwempahla engalunganga, okanye "ephantsi kwamanzi", nangona kungabi lula. Unokukhetha ezimbini:
- Zama ukuhlaziywa usebenzisa enye yeenkqubo zenkxaso karhulumente.
- Yenza imali ekuvaleni, engenakwenzekayo kubanini bezindlu.
Ngenxa yentlekele yezindlu, urhulumente wenze iiprogram eziliqela kubanini bezindlu abajongene namaxesha amanzima.
Ezi nkqubo zivumela ukuba uhlaziywe nangona unobulungisa obubi okanye ubungakanani be-LTV. Kwiimeko ezininzi, kufuneka ube khona ngoku kwi-mortgage yakho. Ukuba uqala ukulahleka iintlawulo, kunokukungafaneleka kwiinkqubo zemboleko.
Iinkqubo zokuQala kwakhona
Yiyiphi inkqubo yokuhlaziya kufuneka uyenze? Kuya kuxhomekeka kwindlela oye ngayo imali yakho yokubolekwa ngemali, okanye ngokukodwa, kuxhomekeke ekubeni ngubani okwangoku wakho mboleko.
Ababoleki bangafumana ukuba imali yabo mboleko iFennie Mae okanye uFreddie Mac. Oku kunokwenzeka nangona ungakaze uve ngezo mibutho, ngoko inkqubo ye- HARP yindlela kuphela yokuhlaziya le mboleko.
Ukuba imali yakho yokubolekisa ayixhaswanga nguFannie Mae okanye uFreddie Mac, unokuphanda iinkqubo ezahlukeneyo zokuhlaziywa ezifumanekayo kwi-refinancing ephantsi okanye engekho-equity, njenge-FHA Streamlined okanye VA. Kwiimeko ezininzi le nkqubo ayikho imfuneko ye-LTV kwaye ayifuni i-appraisal entsha, ngoko ke loo mboleko i sekelwe kwixabiso langaphambili lekhaya, elingenza yonke imohluko.
Enye Inketho: Ukuhlawula i-Mortgage Down
Kukho enye indlela yokuhlaziya kunye nokulingana okungafanelekanga, kwaye oko kukuhlawula imali ukuze uhlawule ixabiso lemali mboleko yakho, kufuphi nexabiso langoku lakho lekhaya. Uya kunciphisa umrhumo omele uwenze ngokuwenza inkokhelo enkulu kwimboleko yakho okanye ngokuhlawula imali ekuvalweni xa uhlaziywa.
Isilinganiso sakho se- LTV esiphezulu sepropati sinokuthi kukuthintele ukuba ufumane ukuhlaziywa kwindleko zomntu wendabuko. Ukuba unemboleko yemali engafanelekanga, uboleke ngaphezu kwekhaya, kwaye abaninzi abanamalengiso abafuni ukuthatha loo hlobo lo mngcipheko.
Ukuba ungekho phantsi kwemboleko mboleko, umboleki-mali angeke akwazi ukuhlawula ngokupheleleyo, nokuba uthengisa ikhaya lakho.
Ngenxa yoko, abaninzi ababolekayo banikela kuphela ukuhlaziywa xa uhlawula phantsi ibhalansi yemboleko yokudala isilinganiso somboleko-mboleko-mali okanye ukulinda de ixabiso lakho lemakethi libuyele phezulu, kuphuculwe umlinganiselo wokuboleka kwemali-mboleko.
Ngelishwa, le ndlela ifuna ukuba ufikelele kwisamba semali. Ukuba awukho kwindawo yokubhala isheke esikhulu, iinkqubo zokurhoxisa urhulumente zikhethiweyo kuphela. Iprogram ye-HARP inxusa abanini bezindlu ukuba bafake isicelo kwakhona, nokuba ngaba bajikiweyo phambi kokuba kulungele ukuthatha elo nyathelo elongezelelweyo.
Ukuba ukhathele zonke iindlela zokubolekisa imali kwaye awukwazi ukuhlaziya, usenokukwazi ukuphucula imeko yakho. Buza umnini-mboleko wakho ukuba unako ukwenza utshintsho lwemali - mboleko , okanye ukuba unayo naziphi na iziphakamiso kuwe.
Abaninzi ababolekisi bangathanda ukusebenzisana nabbolekayo ukuba bahlawule ngokukhawuleza ukuhlawulwa kwakhona kwishedyuli kunokuba umntu obolekayo alahleki okanye alahle iintlawulo zawo.
Cela malunga nokutshintsha imiqathango yemboleko yakho ukuze ubone ukuba ngaba umboleki wakho unakho na ezinye izicombululo zokukunceda uhlale unje kwi-mortgage yakho.