Funda xa unokugcina imali okanye ungene kwingxaki
Ngolu hlalutyo, funda indlela ukuhlaziywa kwempahla yokuhlala ekhaya kungakuhlalisa ngamanzi ashisayo okanye ube utshintsho olwamkelekileyo olunika ukunyusa imali.
Nangona kunjalo, ukuba udinga ukuhlaziywa kwindlela yokubuyisela imali yokuhlala ekhaya ngaphambi kokuba ulinganise i-pros and cons, ufumane inyaniso ngokuthi uhlolisise "i- Mortgage Refinancing Basics ." Ngokuqhelekileyo, kufuneka uphephe ukuhlaziywa kwemali yakho yokubolekwa imali xa uchitha imali kwaye ukwandisa ingozi. Kulula ukuwela kwiingcambu ezingezantsi, ke qiniseka ukuba uya kucima ezi mpazamo eziqhelekileyo.
Ukwandisa Ixesha leNgxowa-mboleko
Xa uhlaziya , udla ngokukhawuleza ixesha lokubuyisela imali mboleko yakho. Ngokomzekelo, ukuba ufumana i-mboleko entsha yeminyaka engama-30, iintlawulo zibalwa ukuba zigcine iminyaka engama-30 ezayo. Ukuba umboleko wakho omdala uneminyaka eyi-10 okanye engama-20 eyashiywe ukuhamba, ukubuyiswa kwemali yokuthenga indlu kuya kubangela ukuhlawulwa kwentlawulo ephezulu.
Xa ufumana umboleko omtsha, ezininzi iintlawulo zakho ziya kwi-interest kwiminyaka yokuqala, kwaye uya kuqala ukusuka ekuqaleni. Fakela amanani kwi " calculator amortization calculator " ukuze ubone ukuba iindleko zakho zenzalo ziza kutshintsha njani.
Ngethuba ulapho, fundisa indlela ukuhlengahlengiswa kusebenza ngayo , ukuba ufuna inkambo yokuhlaselwa.
Iindleko zokuvala
Ukuhlaziywa kwezindlu zangaphakathi kwindleko. Uya kuhlawula imali kwi-lender yakho entsha ukuhlawulela imali yokuboleka imali. Unokuhlawula kwakhona amaxwebhu omthetho kunye nokufakela, ukuhlolwa kwekhredithi, ii-appraisals nokunye.
Nangona i mboleko ipapashwa njenge-"ayikho indleko yokuvala" mboleko, uya kuhlawula loo ntlawulo.
Ngokuqhelekileyo oku kwenzeka ngezinga eliphezulu lomdla. Ukuqonda kangcono akukho mali yokuvala ukuhlawulwa kwemali mboleko , uphando olusiseko lweemali-mboleko zokuphepha iingozi eziqhelekileyo.
UkuXhobisa amatyala
Ungasebenzisa ukuhlaziywa kwempahla yezindlu njengesiqili sokuhlanganiswa kwamatyala. Ngamanye amaxesha oku kunceda kuba unciphisa ixabiso lentlawulo kwityala lakho, kwaye unokukwazi ukuguqula amatyala amatyala kwiingxowa-mali ezithengiswayo zasekhaya. Kodwa unako ukutshintsha xa ushiya nje ityala kwaye uvuselele kwakhona amatyala akho.
Iyakwazi kwakhona ukubuya, ukuba awukwazi ukufumana iintlawulo zerhafu kwi-home retirement refinancing okanye ukuba awukwazi ukuhlawula ibhalansi enkulu kunye neengozi zokulahlekelwa ekhaya lakho. Ukuba unenkathazo yokuhlawula izikweletu zabathengi, cinga kabini ngaphambi kokubeka ikhaya lakho kumgca. Cinga ukubhalisa kwinkqubo yokuhlanganiswa kwetyala ngaphambi kokuba uthathe isinyathelo esinzima.
Umvuzo
Kwamanye amazwe, iimali-mboleko zasekhaya zikhuselekile ngokukodwa kubathengi. Xa kwenzeka ukukhungulwa, abanako ukukufakazela ukuba balahlekelwa yimali kwi-deal. Nangona kunjalo, ukuhlaziywa kwezindlu zangasese kuguqula uhlobo lombolekiso wakho: Akusekho imali yokuqala oyisebenzisayo ukuthenga ikhaya lakho, ukuze ulahlekelwe ukhuseleko oluthile. Ngenxa yolu hlobo, kuya kufuneka uzenzele indlela yokubolekwa kwemali mboleko .