Umbuzo: Nguwuphi uMboleko?
Umfundi ubhala wathi: "Sitshatshale kwaye sicinga ngempahla yokuthenga indlu. Kusobala ukuba sincinane kakhulu ukuhlawula imali, kwaye sinayo i-akhawunti encinci yokulondoloza, ngamanyathelo alondolozayo. Kodwa umama uthi akwanele ukuthenga indlu ukuba sinokufumana imali yokubambisa imali. Ndihlala ndicinga ukuba kufuneka sihlawule imali ngemali kwaye singazami ukunyusa iimali zethu. Emva koko, asinayo amakhadi esikwereti ngenxa yokuba asikholelwa kwityala. Ukholelwa ukuba ngaba asikwazi ukuhlawula imali, ngoko asiyidingi.
Impendulo: Siyakuvuyisana ngomtshato wakho osandul 'utsha. Ndiyathanda ukubona amabhangqwana amancinane eqala ebomini ngokuthetha ngemali. Uthandana ngakumbi kunoma iyiphi ingoma yothando; Ngumculo omnandi kwiindlebe zam. Kodwa ke makungatsho ukuba awunakuncinci ukuhlawula imali, nangona unokufumana ukuba unako ukuboleka imali engabizi ngaphaya komvuno okhawulezayo kwimali. Awunakuncinci ukufumana imali yokuthenga imali kwaye uthenge ikhaya, nokuba. Ubume bexesha elide kutyalo-mali kwaye sonke sifuna ukuphahla iintloko zethu.
Inkcazo ye-Mortgage
Imboleko yombhalo obhaliweyo oqulethe i-mortgagor kunye ne-mortgagee. Umgodla ngumboleki, ngokuqhelekileyo, nina, umthengi wendlu. Umboleki-mboleko nguye obolekayo, iqumrhu liboleka imali kumthengi. Imali yokubolekwa kwempahla isebenzisa i-real estate njengento yokubambisa imali. Ukuba uya eBhanki yaseMelika ukufumana imali yokubolekwa kwemali, ungumboleki kunye neBhanki yaseMelika ngumboleki.
Ukuba umbolekayo, umzekelo, ulahlekelwa iintlawulo ezimbalwa, umboleki-mboleko unelungelo lokubambisa umboleko wemali mboleko: ikhaya.
Yile ndlela i- foreclosure eyenzeka ngayo ngokubanzi. Iphondo ngalinye linemithetho yalo echaza ixesha lokuchithwa kwexesha, kwaye lide kangakanani umboleki-mali kufuneka alinde ngaphambi kokuthatha ikhaya kude nomboleki.
Ngethuba nje xa umboleki ehlawula ixesha, ngokuqhelekileyo ibhalansi yemali iyancipha kwaye umboleki uyazuza ukulingana.
Umboleki-mali ufumana ukhuseleko olongezelelweyo lomboleko njengoko ukulingana kukhula. Xa ixabiso lekhaya liwela, ukhuseleko lomboleki luhlala luyancipha. Ukuba ixabiso lokukhusela liwela ngaphantsi kwe-balance balance mortgage, umntu obolekayo unokufuna ukuba athengise njengentengiso emfutshane ukuze aphelise ityala. Ababolekisi abaninzi bathengisa iimboleko zabo eziqhelekileyo kwiimarike zesekondari, kwaye ke ababolekayo baya kuhlawula umboleki. Benza oku ngaphandle kwemvume yomboleki.
Kutheni i-Mortgage Into Enhle?
Isenzo esilula senkxaso-mali yokuthengwa kwezindlu angenzi ukuthenga ikhaya elinomthwalo ongeyingozi kakhulu. Abathengi basekhaya baxakeka kwiingxaki xa beqhubeka. Ngokomzekelo, ukuba kuthatha abazuzi-2 abafumana imali yokuhlawula imali kunye nomntu oyedwa olahlekelwa ngumsebenzi, ikhaya lakho liyakumngcipheko. Nangona kunjalo, usenokuthetha into efanayo ngokuqeshisa ngokuthenga indlu . Ukuba awukwazi ukuhlawula irente, awukwazi ukuhlawula umboleko, nokuba.
Imboleko yokuboleka imali ikhulula i-capital and ikunika umyinge. Umyinge unika ulawulo phezu kwexabiso ngaphandle kokuhlawula imali. Ukuba imali yakho yokuthenga imali isondele kwisixa oza kuhlawula kwirenti, mhlawumbi uvela phambili. Isizathu sokuba unenzuzo kuba uhlawula umdla kwi-mortgage, kwaye inzala yomhlalaphantsi ithathwe.
Ngaphezu koko, ngokungafani nerenti, ukuhlawula imali yokuboleka imali kwakha ukulingana kwakho.
Iintlobo ezimbini ezibalulekileyo ze-Mortgage
Unokuva isenzo sexesha lesithemba okanye mhlawumbi isenzo esithengiswayo sisetyenzisaniswe kunye nexesha lokuthenga imali, kodwa ahluke. Isixhobo soxhasomali esisetyenziswe sisiko esikhulu sebhanki ngokuqhelekileyo sesinye sezibini:
- mboleko
- inqaku lesigxina elilondolozwe ngumsebenzi wethemba
Nangona i-mortgage iqulethe i-mortgagor kunye ne-mortgagee, isenzo sokwethemba sinamalungu amathathu. Lawo maqela akwi-trustor, umphathiswa kunye nomxhamli. Umthembeli ngumboleki / umthengi wekhaya. Umxhamli nguye umboleki-mali, iqumrhu elibonelela ngemali. I-trustee yinkampani yesithathu enegunya lokuthengisa.
Abaninzi bathi ukusebenzisa i-mortgage njengesixhobo sokuxhaswa kwemali kulandelelanisa imithetho eyenza ukugqithiswa kwexesha elide kunokuba lithetha ukuba usebenzisa i-trust trust.
Ukuqheliswa kwento yokuthenga imali kungathatha iminyaka okanye ngaphezulu. Ukuchithwa kwetayitile yokuthembeka eyenza amandla okuthengisa ngentengiso yomphathiswa kungagqitywa ngaphantsi kweenyanga ezi-4 emva kokuba iSaziso soPhezulu sigqitywe.
Ukuba ukhathazekile ngokulahlekelwa ngumnini okanye ukunyanzeliswa ukuba uphume ekhaya lakho xa kwenzeka ukukhungulwa, ungakhetha i-state esebenzisa i-mortgages endaweni yesenzo sokwethemba. Nangona kunjalo, ukuba unenkxalabo malunga nokuchithwa, ngoko ungeke ube ngumviwa ofanelekileyo ukuthenga ikhaya .
Ekuvaleni, makhe ndithethe ukuba ngokubanzi udinga i-credit esekelwe ukufumana imali yokuthenga imali. Oku kuthetha ukuba kufuneka ube nekhadi lekredithi enye egameni lakho. Ndiyaqonda ukuba ukhetha ukuhlawula imali, yingakho ungenawo amakhadi esikwereti, kodwa ungenayo amakhadi esikwereti, uyakholelwa okanye akunjalo, yenza ube ngumngcipheko wekhredithi embi emehlweni omboleki.
Nangona kungenakwenzeka ukufumana imali yokuthenga ngaphandle kwemali-mboleko, kunzima. Uza kuhlawulwa uhlawule umyinge ophezulu ophezulu kuba akukho ngxowa-mali ithetha inqaku le- FICO . Ngoko, zenzele ubabalo kwaye ufumane ikhadi lekhredithi. Unokuhlawula ibhalansi ngokupheleleyo nyanga zonke kwaye ugweme ihlawulwe imali ngelixa udala i-credit.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.