Ukukhusela iNgxowa-mboleko ngexesha lokwahlukanisa nokuthengisa
Ngoko, musa ukuphazamiseka.
Nangona "isiqingatha esilungileyo" esingazange siphume emfanekisweni, iimali zakho ziya kukulandela naphi na apho ikamva likukhokelela. Umama wayesetyenziselwa ukulumkisa iintombi zakhe ngokuthi: "Unako ukufumana esinye isoka, kodwa kunzima ukufumana enye indawo yokuhlala." Iingcebiso eziqhelekileyo ze-Midwestern-ingcebiso, ukuba uyazibuza, usetyenziswe kumzalwana wam.
Amanyathelo ongayenza ukukhusela i-Credit yakho
- Okokuqala, Fumana iNgxelo yeMboleko yakho. Unokufumana ikopi yengxelo yakho yekhredithi ngokuzisa nganye yeevenkile zemali zetyala , i-Experian, i-TransUnion okanye i-Equifax, okanye unokufumana ikhophi yamahhala yengxelo nganye kwi-intanethi ngokukopisha nokukhupha isiqhagamshelo esikhuselekileyo kwisiphequluli sakho: http: // yearcreditreport.com.
- Okwesibini, i-Inventory Credit. Yenza uluhlu lwabo bonke ababolekisi, bavikeleke kwaye bangakhuselekanga.
- Ababolekisi abakhuselekile ngabo bafake i-asethi njengokhuseleko lwetyala. Ukuba ikhaya lakho liboshwe okanye unomboleko kwimoto yakho, umzekelo, ikhaya lakho kunye nemoto yintengiso esetyenziswe njengokhuseleko.
- Ababolekisi abangakhuselekanga ngabo baboleka imali ngokusekelwe kwisithembiso sakho sokubuyisela imali.
- Okwesithathu, ama- Akhawunti Adibeneyo Ahlangene Avela kwiAkhawunti yabanye. Iingxelo ezidibeneyo zizo zinezo zombini amagama, kwaye ngamnye wenu unembopheleleko yetyala. Iingxelo ngabanye zivulwe kuphela egameni lakho.
- Okwesine, Biza Ababoleki beKhadi leKhadi elidibeneyo. Fumana ukuba i-credit prolonged is based on your credit or credit card.
- Ukuba ikhredithi isekelwe kwingxowa yakho, kodwa iqabane lakho linamakhadi, cela ukuba iqabane lakho lisuswe.
- Ukuba ikhredithi isekelwe kwikhredithi yeqabane lakho, faka ikhadi lesikweletu ephaketheni lakho. Kulungile, nje ukuhleka. Cela ukuba igama lakho lisuswe.
- Ukuba umnini-mboleko wenqabela ukususa igama kwi-akhawunti, vala i-akhawunti, kwaye uvule i-akhawunti entsha.
- Ukuba unayo ibhalansi kwikhadi lakho lesikweletu, umbolekisi akayi kuvala i-akhawunti ngaphandle kokuba uhlawula ibhalansi. Kodwa unokuthintela iindleko ezongezelelweyo kwi-akhawunti ngokucela ukuba i-akhawunti ichithwe.
- Okwesibini, thengisa okanye iRefined assets ekhuselekile. Kubalulekile ukuhlukanisa uxanduva lokugcina impahla.
- Ukuba imoto ixhaswa ngemali kumabini amagama, kungakhathaliseki ukuba ngubani ogama lakhe kwisihloko, bobabili unembopheleleko yemboleko.
- Ukuba imali yokubolekwa ibanjwe ngamagama amabini, kungakhathaliseki ukuba ngubani ogama lakhe elenzweni, bobabili unembopheleleko yokuboleka imali.
- Nangona umyalelo wakho wokuqhawula umtshato usinika loo nto impahla, okanye ukuba omnye wenu uzinikele ngokuzithandela ityala komnye, uxanduva lomboleko luya kuhlala xa ungathengisi okanye uhlaziye impahla.
Ukuhlaziywa kweNdlu yakho
Ngaba kufuneka ufike kwisivumelwano apho umntu oyedwa ehlala ephethe ikhaya, kwaye inkqubo yesenzo esilumkileyo isusa umboleko okhoyo kwaye uyifake indawo leyo ngemali mboleko entsha, ngokuqinisekileyo ukuba ungekho imali ekuhlawuleleni mboleko ngemali .
- Bhala ingxelo entsha. Cela ummeli wakho okanye ityitile yenkampani ukuba yenze isenzo esithumela isitifiketi kumntu omnye komnye. Izenzo ezisetyenziswa ngokuqhelekileyo kule njongo ziyeka izenzo , kodwa igqwetha lakho linokukhetha ukusebenzisa i- warranty deed okanye isenzo somxhaso.
- Fumana i- Mortgage entsha. Iindawo zokufumana umboleko wemali ziquka ibhanki yakho yendawo, i- credit union , okanye umthengisi othembekileyo.
- Ukuba awukwazi ukufaneleka, unokuthengisa okanye ufumane umnxibelelwano wokubambisana nokucela isihlobo ukuba sikuncede.
- Ukuba unetyala lakho lokulinganayo, cela umlingane wakho ukuba uya kukulungele ukuba ufumane umboleko omkhulu ngokwaneleyo ukuhlawula umboleko okhoyo kwaye uqhube umboleko wesibini wemali efunekayo. Ngale ndlela ungenza iintlawulo kwiqabane lakho ngokulinganayo, mhlawumbi kwisantya esincinane somyinge kunye nemigangatho engcono kunokuba umbolekisi uza kukunika.
Ngaphezu koko, ukubonelela ukulingana kwaneleyo ekhaya ukuxhasa inkxaso- mboleko yesibini - ngokubalulekayo inani lemali mboleko ingadluli kwi-80% yexabiso lemarike yasekhaya - iqabane lakho liyakwazi ukuthengisa i-mortgage kwisaphulelo ukufumana imali.
- Khumbula ukuba ukufumana umboleko omtsha kuya kufuna ukuba kuhlolisiswe ukuxhasa ixabiso, kodwa kuba ababolekisi banomdla onikwe umboleko wokwenza imali mboleko, unokufuna kwakhona ukucela i- arhente yezindlu zithengiswayo ukuzithengisa. Iimvavanyo azibhalwa ngegolide. Awufuni ukuhlawula ngaphezulu iqabane lakho kwipropati kunokuba lifanelekileyo kwaye ukuhlaziywa kwee-appraisals kudala kubangelwa kwiimpawu eziphezulu kunokuba ungafumana ukubuyisela.
- I-mortgage entsha iya kufuna kwakhona umgaqo-nkqubo omtsha. Nangona uza kuqinisekisa umboleki kwaye ungabi ngokwakho, le nkqubo iya kukunika isiqinisekiso sokuthi isiqabane sakho asiqhubekiyo ngaphandle kwepropati ngaphandle kolwazi lwakho.
Ukuthengisa indlu yakho
- Ukuseka ixabiso leMatriki . Bonisa umlinganiselo wekhaya lakho elifanelekileyo ngokusekelwe ekuthengiseni okudlulileyo.
- Lungiselela Indlu Yakho Ukuthengiswa . Ucocekile, uhlambele i-declutter, uhlambulule, kwaye upake.
- Fumana i-Agent Estate Estate . Cinga ngama-agent angamava malunga nabahlobo okanye izalamane ezinamava amancinci okanye angabikho.
- Udliwano-ndlebe ubuncinane abathathu abameli phambi kokuba kuqeshwe igosa. Nangona kuxhomekeka kwiimeko zemarike , ungayithengisa ngokulula ikhaya lakho, kunzima kunzima ukwenza njalo ngexesha loxinzelelo, kwaye unokufuna ukuba uchwepheshe athathe.
- Musa ukukhangisa ukuchithwa kwakho. Khusela ubumfihlo bakho ngelixa ikhaya lakho lisemarike. Ukuba abathengi bayazi isizathu sokuthengiswa, unokufumana isithembiso esiphantsi.
Ukufumana iingcebiso zomthetho, nceda uqhagamshelane nommeli.