Indlela yokutshintsha amagama kwiNgxowa-mboleko
Kuyakwazi ukudlulisela umboleko, kodwa akusoloko kulula. Siza kujonga iinkcukacha ezingezantsi, kodwa isishwankathelo esifutshane sezinto ozikhethayo ziquka:
- Dlulisa i-mortgage engenakwenzeka ngokucela umboleki wakho ukuba enze utshintsho.
- Ukuhlawula umboleko kumagama omnini kuphela.
- Ukutshintshwa xa imeko ingabangeli "umbandela wokuthengisa" we-mboleko.
Mortgages engenakulungiswa
Ukuba imali-mboleko " ingenakwenzeka ," inentlanzi: oko kuthetha ukuba ungadlulisela umboleko kumntu othile. Akukho zilwimi kwisivumelwano semali-mboleko esithintelayo ekugqityeni ukudluliselwa. Nangona kunjalo, kunye nemali yokubambisa imali ingenakuyitshintsha.
Kwiimeko ezininzi, umboleki "omtsha" kufuneka afanelekele ukuboleka imali. Umboleki-mboleko uya kujonga amanqaku ekhredithi yomboleki kunye netyala kwiimali zokufumana imali ukuvavanya amandla okuboleka ukubuyisela mboleko. Inkqubo iyafana ngokufanayo nokuba umboleki wayeza kufaka isicelo semali mboleko emitsha (kodwa ngokuqinisekileyo umboleki angathatha inxalenye yemali-mboleko ekhoyo). Ababolekisi bavumile isicelo sokubolekwa kwemali-mboleko esekelwe kwingxowa-mboleko kunye nengeniso yesicelo (original) sicelo, kwaye abafuni ukuvumela nabani na ngaphandle kwinqanawa ngaphandle kokuba bafumana umboleki obuyiselayo onokuzibuyisela.
Ukugqiba ukutshintshwa kwemali-mboleko engenakwenzeka, cela isicelo sitshintsho kunye nomboleki wakho. Uya kufuneka uzalise izicelo, uqinisekise ingeniso kunye neefayili , kwaye uhlawule imali ephantsi.
Ukutshintshwa ubunikazi: Ukutshintsha amagama kumboleko kungathinta umboleko. Usenokufuna ukutshintsha ngubani ophethe ipropati ngokudlulisela isihloko, usebenzisa isenzo sokuyeka, okanye uthathe nawaphi na amanyathelo afunekayo kwimeko yakho.
Kunzima Ukufumana?
Ngelishwa, iimali-mboleko ezingenakwenzekayo azifumaneki ngokubanzi. Ubhedu bakho obuhle kakhulu ukuba unokuba ne- FHA mboleko okanye mboleko ye- VA . Eminye imithwalo-mboleko eqhelekileyo ayifumanekanga. Endaweni yoko, ababolekisi basebenzise ibango elithengiswayo , oku kuthetha ukuba umboleko kufuneka uhlawulwe xa ususa ubunini bekhaya.
Ukuhlaziya kwakhona
Ukuba imali-mboleko ayinakulinganiswa kwaye awufumani nto ngaphandle kwemigqaliselo yokuthengisa, ukulungiswa kwemali mboleko kungayona nto ingcono. Kuyafana nokucingwa, umboleki omtsha uya kufuna iimali ezifumanekileyo kunye nekhredithi ukuze afanele ukuboleka imali.
"Umntu omtsha" umnini-mali uza kufaka isicelo somboleko omtsha ngamnye kwaye asebenzise loo mboleko ukuhlawula ityala elikhoyo. Ungadinga ukulungelelanisa nababolekisi bakho ukuba baqhotyoshelwe izibilini (ngaphandle kokuba umboleki omtsha kunye nomthengisi omtsha bavumelana nabo) ukuze usebenzise indlu njengesiqhelo , kodwa yindlela efanelekileyo, ecocekileyo yokufumana umsebenzi. Ezinye izibambiso zihamba ngokusuka kumnini omnye ukuya kwelinye (umzekelo, ukuba uphuculo lwenziwe nge-PACE financing ).
Ngenxa yokuthengiswa
Ababolekisi abanakuzuza ngokukuvumela ukuba udlulisele imali. Abathengi beza kuphuma phambili ngokufumana imali ebolekileyo "mboleko", kunye neentlawulo zentsapho ezithandwayo ezisekuqaleni kwendlela (kwaye ziyakwazi ukufumana inzala engaphantsi).
Abathengisi babeza ku thengisa indlu yabo ngokulula-mhlawumbi kwixabiso eliphezulu - ngenxa yezo zinzuzo ezifanayo. Kodwa ababolekisi bamele balahleke, ngoko abanqweneli ukuvuma ukutshintshwa.
Isigatshana esithengiswayo esithengiswayo siqendu sesivumelwano semali-mboleko sithi imboleko kufuneka ihlawulwe xa ipropathi ithengisa (umboleko "ukhawuleza").
Ukungabikho kumgaqo: Kwezinye iimeko, unako ukutshintsha imali-mboleko-nangenxa yesigatya esithengiswayo. Ukudlulisa phakathi kwamalungu entsapho kudlalwa kuvunyelwe, kwaye umnini-mboleko wakho unokuhlala ephaka ngakumbi kunokuba isivumelwano sakho semali-mboleko sithetha (yinto enokuyisebenzisa, kwaye akufuneki ukuba wenze njalo-kodwa ungafumani ithemba lakho) . Indlela kuphela yokukwazi ngokuqinisekileyo kukucela umboleki wakho kwaye ubuyekeze isivumelwano sakho nommeli wendawo. Nangona ngababolekisi bethetha ukuba akunakwenzeka, ugqwetha lingakunceda ukuba ubone ukuba ibhanki yakho inikezela ngolwazi oluchanileyo.
I-Garn-St. Umthetho weGermain uvimbela abathengi ukuba basebenzise ukhetho lwabo lokukhawuleza phantsi kweemeko ezithile. Uninzi lweemeko eziqhelekileyo ziquka:
- Xa umqeshi odibeneyo efa kunye nokuthunyelwa kobunikazi kumhlali ohlala naye
- Ukutshintshwa kwemboleko kwisihlobo emva kokufa komboleki
- Ukutshintshwa kwepropati yobunini kumlingane okanye kubantwana bobolekayo
- Ukutshintshwa ngenxa yesahlukaniso kunye nezivumelwano zokuhlukana
- Utshintshela kwi-intervvos trust (okanye i-trust living) apho umntu obolekayo efumana inzuzo
Jonga uluhlu olupheleleyo lweemfuno, kwaye uhlolisise olu luhlu kunye nommeli wakho.
Iinguqu ezingabonakaliyo
Ukuba awukwazi ukufumana isicelo sakho samkelwe, unokulingwa ukuba ulungiselele ilungiselelo "elingavumelekanga". Ngokomzekelo, unokuthengisa indlu yakho, ushiye imali ekhoyo ekhoyo, kwaye umthengi abuyisele imali yokuthenga imali.
Le ngcamango embi. Isivumelwano sakho sokuthenga ngemali mhlawumbi asivumeli oku, kwaye usenokuzifumana enkingeni esemthethweni, kuxhomekeke kwindlela izinto ezihamba ngayo. Ngaphezulu, usenomthwalo wemboleko - nangona ungasayi kuhlala endlwini.
Yintoni e ngahambi kakuhle? Amathuba ambalwa afaka:
- Ukuba umthengi eyeka ukuhlawula, umbolekiso usegameni lakho, ngoko kusengxaki yakho (iindleko eziza kubakho ziza kubakho kwiingxelo zakho zeentengo zemali, kwaye ababolekisi baya kuza emva kwakho ).
- Ukuba ikhaya lithengiswa kwi-forecloser ngaphantsi kokubalulekayo, unokuba noxanduva lokunqongophala .
Kukho iindlela ezingcono zokubonelela ngemali kumthengisi kumthengi onokuthenga.
Khetha
Ukuba awukwazi ukufumana imali ehlawulwayo, usenokhetho, kuxhomekeke kwimeko yakho. Kwakhona, ukufa, umtshato, kunye nokutshintshwa kweentsapho kunokukunika ilungelo lokutshintshwa, nokuba ngaba umboleki wakho uthetha ngenye indlela.
Ukuba ujongene nokuchithwa , ezinye iinkqubo zikaRhulumente zenza kube lula ukujongana nemali-mboleko- nokuba uphantsi kwamanzi okanye ungasebenzi.
Ukuba uqhawula umtshato , cela ummeli wakho ukuba asebenze njani amatyala akho kunye nendlela yokuzikhusela xa umlingani wakho wesibini engenzi iintlawulo.
Ukuba umninikhaya uswelekile , ugqwetha lendawo lingakunceda ukuba unqume ukuba wenzeni ntoni ngokulandelayo.
Ukuba uthengisa impahla kwi-trust , jonga kabini ngegqwetha lakho lokucwangcisa i-estate ukuqinisekisa ukuba awuyi kubangela isigqibo sokukhawuleza.
Ukuhlaziya i-Refinancing kungabakho yokugqibela xa kungekho nenye yeendlela ezikhoyo.