Abantu abaninzi bayazibuza ngexesha elifanelekileyo lokuhlaziya imali . Kukho iindleko ezongezelelweyo ezibandakanyekayo ekuhlaziyeni, kwaye kubalulekile ukuqwalasela iindleko zokuvala malunga nokuba ngaba awufanelekanga ukuhlawula imali yakho. Kukho nemigaqo ethile yokuhlaziywa okufanele ulandele. Ukuba unenkcitho enzima ukuhlawula imali yakho , ukuhlaziywa kwakhona kunokukwazi ukunceda ngokunciphisa intlawulo yakho yenyanga. Ukuhlaziywa kungakugcina imali, kunciphise iintlawulo zakho zenyanga, kwaye ukhulule igumbi kubhajethi yakho.
01 Umgaqo 1: Jonga ireyithi yakho kunye neMigomo yakho
02 Umthetho wesi-2: Cinga ubude beNgxowa-mboleko
Ukuba kunokwenzeka, kufuneka uhlaziye imali yakho yokuthenga ukuze ungongezeli ixesha elongezelelweyo lomboleko wakho. Unokwenza oku ngokukhetha ubude obude bembolekiso, oya kukwandisa inani oya kulihlawula ngokumalunga nomboleko weminyaka emashumi amathathu. Sekude ixesha lexesha lemali-mboleko oza kuhlawula ngayo inzala ngemali mboleko. Ukuba uhlawulela umboleko weminyaka engamashumi amathathu uya kunciphisa intlawulo yakho, kodwa uya kwandisa kakhulu ubude bakho mboleko. Oku kuya kukubangela ukuba uhlawule umdla osekude. Ukuba kunokwenzeka ukuhlaziywa kwishumi elineshumi okanye elishumi elinesihlanu.
03 Umthetho wesi-3: Musa ukudweba ukulingana ngaphandle kwekhaya lakho
Ngokuqhelekileyo xa abantu behlengahlengayo bayakwenza ukukhupha ubulungisa bekhaya labo. Basenokusebenzisa imali yokuphucula ikhaya, ukuhlawula elinye ityala okanye ukuxhasa imicimbi yomtshato okanye iikholeji. Xa ukhupha ubulungisa uyandisa ubomi bomboleko kwaye ukwandisa inani lemali oza kulihlawula. Uxhomekeke kwi-investment yakho. Ukuba usebenzisa imali ukuhlawula amakhadi-ngxowa-mali ubeka ikhaya lakho engozini, kwimeko apho ungasakwazi ukwenza iintlawulo. Oku kuyinyathelo eliyingozi, kuba abantu abaninzi bafumana iimeko ezifanayo kwiminyaka embalwa. Unokuphela kwakhona phantsi kwamanzi kwi-mortgage yakho , ngenxa yexabiso elitshintshayo kumanani asekhaya. Ukuba ubeka ubulungisa, ungagqiba ukufuna ukuhlawula i-PMI ekhaya lakho kwakhona. Ukuba ushiya i-equity ekhaya lakho, ukhusela kunye nekamva lakho lemali.
04 UMgaqo 4: Musa ukuhlaziya kwi-ARM
Ukuba ulungelelanisa ukugcina imali kwiintlawulo zakho zokubolekwa kwemali, qiniseka ukuba uhlawula kwisantya esincinane kunokuhamba kunye nokuhlawula imali. Isilinganiso sokuhlawulwa kwemali siya kulungelelanisa nomyinge onomdla kwiminyaka embalwa, eya kuphakamisa inani lakho lokuhlawula. Ukuba wenza oku, kuya kufuneka ukhathazeke ngokunyuka kwamaxabiso. Ukuvalelwa kwinqanaba eliphantsi liya kukusindisa imali emininzi. Okwangoku amaxabiso aphantsi kakhulu, kwaye kuya kuba budenge ukulahlekelwa ezi xabiso eziphantsi kunye nomyinge wokuhlawulela umyinge oza kulungiswa.
05 UMthetho wesi-5: Qinisekisa ukuba iMigomo inokulungeleka ngakumbi ngemali yakho entsha
Ukongezelela kokujonga izinga lomyinge kunye nobude bembolekiso, kufuneka ufunde ukuprintwa kakuhle kwaye uqinisekise ukuba amkelekile kwaye amkelekile. Fumana into eyenzekayo ukuba ufike emva kwe ntlawulo. Iinkampani ezahlukeneyo zingenza izigwebo ezihlukeneyo kuquka iimali ezithe zagqitywa okanye ukunyuka kwenzalo yakho. Fumana ukuba ungakanani ixesha elide ngaphambi kokuba ikhaya lakho lingene kwi-foreclosure . Kwakhona phawula ukuba kukho izigwebo zokuhlawulwa kwangaphambili. Abanye ababolekisi abanakukuvumela ukuba uhlawule umboleko kwangoko kwinani elimisiweyo leminyaka okanye abanako ukuthenga iintlawulo ezongezelelweyo kumyinge wemali mboleko. Kubalulekile ukujonga zonke ezi zinto ngaphambi kokuba uhlaziye. Kwakhona kunceda ukuba ube nesibonelelo esingaphezulu kwesinye sokuqwalasela ukuqinisekisa ukuba imimiselo iyakuthandeka kuwe.
Kananjalo qiniseka ukuba awunayo i- PMI okanye enye i-inshorensi ongakhethayo eyongeziweyo kuwe xa ungenayo imali engaphezu kweesibhozo ezingamashumi asibhozo kwexabiso lakho. Ezinye iinkampani zokuthenga imali ziza kufuna okanye zongeze oku kwaye ziqhube umrhumo wakho wokuhlawula imali kunye neendleko zale nkonzo ezingadingekile.