Amagosa okubolekisa ngemali aya kusebenzisa ngokuqinisekileyo le migaqo kunye nemibandela ngexesha lakho lokuthenga ekhaya. Abathengi beZindlu eziNdawo baya kubasebenzisa nabo. kodwa baya kuphinda balahleke umxholo ngokupheleleyo baze bakushiye kwiimeko ezingaphezulu zokuphazamiseka.
Ungaze uloyike, nangona kunjalo.
Sinezinto zonke ozifunayo-kwindawo efanelekileyo-echazwe ngezantsi. Yifunde, yiprinte, yabelane ngayo, yithande.
Mortgage Lingo
Imilinganiselo yee-Mortgages (ARM):
Imali ngenqanaba lokuqala eliqhelekileyo (ngokuqhelekileyo eli-5, le-7 okanye le-10 leminyaka). Emva kwexesha elimisiweyo, inzala yakho inokutshintsha kanye ngonyaka - iphakame okanye iphantsi phantsi kweemeko zemarike. I-ARM ziphantse ziphantsi kwezinga elingaphezulu kweemali-mboleko kwaye zikwazi ukugcina imali enkulu kubathengi basekhaya bokuqala, ngokukodwa abo abangacwangcisi ukuhlala kwikhaya labo lokuqala iminyaka engaphezu kwe-10.
Imali:
Ukunciphisa ngokuthe gqithwa kwetyala ngelixesha le mboleko. Ukusetyenziswa kwemali kwenzeka ngokubuyisela inqununu.
Umyinge wepesenti wonyaka (APR):
Iindleko zonyaka ze-mortgage kuquka inzala kunye nezinye iindleko okanye iintlawulo ezifana ne-private mortgage inshurensi kunye namanqaku achazwe njengepesenti.
U vavanyo:
Uqikelelo olubhaliweyo lwexabiso lexabiso lemarike langoku.
Ukuvalwa:
Isiphetho sokuthengiswa kwezindlu zakho zangasese xa iimpepha zomthetho zisayinwe kwaye imali ichithwe.
Iindleko zokuvala:
Iindleko ngaphezu kweendleko zepropati, ezinokubandakanya izinto ezifana nentsimbi yomshuwalense, ukuhlaziywa, ukucubungula, ukubhala phantsi kunye nokuhlawula iirhafu.
Ingxelo yeMali:
Ingxelo evela kwiziko elizimeleyo lembali yengxelo yemboleko kunye netyala langaphambili kunye langoku kunye nokuncedisa ukufumana ukuthenga ngetyala.
Ikhredithi yemali:
I-formula yemathematika echaza ubungqina bentengo-mboleko ngokusekelwe kwimbali yekhadi lesikredenti, ityala elikhokelekileyo, uhlobo lwe-credit, i-bankruptcies, iintlawulo zexesha elide, imirhumo yokuqokelela, nembali encinane yembali kunye nemigca emininzi yemali.
Imisebenzi:
Uxwebhu olusemthethweni oludlulisela isakhiwo kumnini omnye ukuya kwelinye.
Ubeka imali phantsi:
Le mali yintengo yokuthenga ekhaya oyihlawula ngaphambili.
Imali ezuzekileyo:
Idipozithi eyenziwa ngumthengi ngokubhekiselele ekuhlawulweni kwentlawulo ukubonisa ukholo olulungileyo xa isivumelwano sokuthenga sisayinwe.
Ubulungisa:
Ulwahlulo lwemali phakathi kokulinganisela imali yakho kunye nexabiso langempela lemarike kwikhaya lakho.
I-FHA Inkcitho:
Imali-mboleko ye-Fixed- okanye rate-adjustable rate eqinisekisiwe yi-Federal Housing Administration. Iimali-mboleko ze-FHA zenzelwe ukwenza izindlu ezinokuhlawulekayo, ngokukodwa kubathengi basekhaya bokuqala.
Amanqaku-mali:
Imboleko yemali ngenani lentlawulo kunye nentlawulo engatshintshiyo kwixesha le mboleko. Ukuba isantya semali-mboleko yangoku siwela ngaphantsi kwezinga lakho elimisiweyo, qha ga mshelana neengcali zakho zokuthenga imali ngokukhawuleza uxoxe ngezibonelelo zokuhlaziya.
Ukholo Oluhle:
Ukuqikelelwa okubhaliweyo kweendleko zokuvala umboleki uya kufuneka akhokhe ukufumana imali mboleko. Uya kukhishwa ngo-Agasti 1, 2015 ngokusesikweni (ekuthiwa) ukulula ukuqonda "I-LOAN DISCLOSURE".
Inkqubo-mboleko kuphela:
Umhlala-mali owenza ukuba ukhethe ukuhlawula umdla, okanye inzala kunye nenqununu enjengeyiphi na into enyunayo kwinyanga ethile yokuqala.
Umgangatho wenzala:
Ipesenteji yezinga elithengisa imali umboleki.
Vala okanye Valile:
Isiqinisekiso sombolekisi somyinge wenzalo ngexesha elimiselweyo. Ingcango-inokukhusela ngokunyuka kwamazinga ngeli xesha.
Amaphuzu (okanye amaPhuzu okuHlawula):
Iingongoma zihlawulwa ngokukhawuleza kumvuzo-mboleko ekupheleni. Ngokuqhelekileyo, elinye iphuzu lilingana nepesenti enye yexabiso lakho lemali mboleko. Iingongoma kunye neerhafu zenzalo zixhunyiwe ngokufanayo. Amanqaku amaninzi owahlawulayo, umyinge wakho wezinga eliphantsi.
Ukuvunywa kwangaphambili:
Siphula inxalenye ebalulekileyo yenkqubo yokuthenga yonke phantsi ngaphaya kwelapha.
I nqununu:
Ibhalansi (ingabalwa inzala) ehlawulwa ngemboleko.
Imali-mboleko yeminyaka engama-30 echanekileyo ihlawulisiwe ukwenzela ukuba ungekho ixesha elide uboleke imali, inqununu eyona nto uyayinciphisa ngentlawulo nganye.
I-inshurensi yokuThengisa yangasese (PMI):
I-inshurensi ukukhusela umboleki-mboleko xa umbolekisi engenzi phantsi kwemboleko. Ngeemali-mboleko eziqhelekileyo, i-PMI ayimfuneko ngokuhlawula i-20% okanye ngaphezulu kwexabiso lokuthenga ekhaya.
Usesho lweNtloko:
Ukuhlolwa kwamarekhodi kamasipala ukuqinisekisa ukuba umthengisi ungumnini wezomthetho wepropati kwaye akukho zibheno okanye ezinye izibambiso malunga nepropati.
Kubhala phantsi:
Kwimali yokuboleka imali, inkqubo yokuqaphela ingozi echaphazelekayo kwimali-mboleko ethile kwaye imise imimiselo nemigangatho efanelekileyo yemboleko.