Ziziphi iiMali zokuBala imali?
Imirhumo yokuqala iyimirhumo oya kuhlawula kumboleki wakho ukulungiselela isicelo sakho sembolekiso. Ngokuxhomekeke kumniki-mboleko wakho, iindleko zinokuthi zifakwe kwizinto enye, okanye ziyakuthi zibekwe.
Amagama aqhelekileyo kwiimali zokuqala zibandakanya iintlawulo zezicelo, iirhafu zokubhala phantsi, kunye neentlawulo zokusebenza. Iindleko zetyala zingabandakanya kwakhona "amaphuzu," ezo iintlawulo ezikhethiweyo ezikuvumela ukuba ufumane inzala engaphantsi.
Igama elithi "intlawulo yokusebenza" ayikuxeleli nto, kodwa ababolekisi bahlawulisa le mirhumo yonke imisebenzi efunekayo ukuvala imboleko yakho. Enye yale mi sebenzi iquka:
- Ukuqokelela nokuhlela amaxwebhu akho
- Ukuhlalutya ingeniso yakho, njengemali yokufumana umsebenzi, yokufumana ingeniso, kunye nokuncitshiswa
- Ukucela ulwazi kubaqeshi, i-IRS nabanye
- Ukuqinisekisa ukuba amaxwebhu acacile
- Ukuqinisekisa ukuba isicelo sakho sidibana neenkqubo ezikarhulumente, okanye ukuba zingathengiswa kubatyalomali
Ukuze ubone iifizi zakho, hlaziya i-Loan Estimate yakho, isishwankathelo sephepha lesithathu esibonisa iinkcukacha ezibalulekileyo malunga nemboleko yakho. Iquka intlawulo yakho yenyanga, iindleko zokuvala kunye nolunye ulwazi.
Ukuba awunayo iNgxowa-mboleko yeeNgxowa-mali kuzo zonke iindleko ozicubungayo, fumana-akukho nto igosa kuze kube yilapho umnini-mboleko unikela loo ngxelo.
Indlela yokunciphisa iirhafu zokuqala
Ukuba unganqikaza ukuhlawula amawaka eedola kwiimali zentlawulo, unokhetho oluninzi.
Thengeza: Ngayiphi na imali ebolekayo, kubalulekile ukufumana izicaphuno ukususela kwimithombo emithathu eyahlukileyo.
Thelekisa umyinge wenzalo kunye netyala elipheleleyo leendleko zokufumana i-intle. Amagama athile asetshenziselwa ukuhlawulwa kweerhafu ayabalulekanga ngaphezu kwexabiso lemali ka-dollar.
Ukuhlawula kuphela: Indlela echanekileyo yokuhlawula iifizi zangaphambili. Le yindlela ebuhlungu kakhulu, kodwa ubuncinci uya kukwazi ukuba ungakanani, kwaye unethuba lokufumana amaxabiso aphantsi xa uhlawula phambili. Abathengisi bangakhuthaza "ngaphandle kweendleko" ezibolekayo , kodwa akukho mntu usebenzela inkululeko. Ngaphantsi kokuhlawula phambili, iphakamileyo izinga lakho liya kuba.
Fumana iikhredithi: Unokukhetha ukuthatha inzala ephakamileyo ngokusebenzisa amanqaku ambi ukuba kunengqondo ukwenza njalo. Ngokwamkela izinga eliphezulu, umnini-mboleko wakho uza kwenza imali efumanekayo (eyaziwa njengekredithi zemali-mboleko) ukuhlawula iindleko zokuvala. Kodwa kulungele ukwenza oku ngetyala elibonakalayo elibonisa ukuba unyulo oluninzi-kunye kunye ngaphandle kwemali mboleko. Ngomlinganiselo ophezulu, uya kuhlawula umdla ngaphezu kwempilo yakho mboleko, ngoko ke amanqaku angamabakala enza ingqiqo enkulu xa ugcina umboleko ngexeshana.
Ukuxoxisana: Cela umboleki wakho ukuba akhuphe iimali zokuqala ngaphandle kokutshintsha inzala yakho. Awukwazi ukuphumelela, kodwa awukwazi ukuba ngaphandle kokuba ucele. Unethuba elihle lokulondoloza imali xa unetyala elikhulu , umthombo ongeyinkimbinkimbi, kunye nemboleko enkulu.
Fumana izipho: Ukuba unesihlobo esinezipho, cela umboleki wakho malunga nokuhlawula iimali ezivela kumboleko ngemali enesipho. Imali ingadinga ukuba ivela ilungu lentsapho elincinane elikulungeleyo kwaye linakho ukukunceda ukuba ubhale phansi isipho ngokubhaliweyo.
Ukuthengiswa kwempahla: Ukuba uthengisa ipropati ( ngokuchasene nokuhlengahlengisa ), umthengisi unokukwazi ukuhlawula iindleko zokuvala kuwe-nje kuphela xa isivumelwano sokuthenga sivumela le nto. Kwanokuba kuthengiswa kweemarike, oku kungenokwenzeka ukuba ulungelelanise ixabiso lakho lokunikezela ukubonisa umrhumo.
Ufanele Uhlawule Kangakanani?
Iindleko zokuqala zixhomekeka kwiimeko ezininzi. Unokulindela ukuhlawula i-0.5 yeepesenti zokuqhuba iintlawulo, okanye kwindawo ethile malunga neepesenti ezi-2 esiphelweni esiphakamileyo. Nangona kunjalo, uSathana uhlale eenkcukacha, kwaye kufuneka uhlawule iimrhumo kunye nezinye izinto-njengomlinganiselo wakho wenzala-engqondweni.
Kwiimali-mboleko ezinkulu, iintlawulo kufuneka zibe kwicala elingaphantsi kwoluhlu. Kodwa iimali-mboleko ezincinci zithatha inani elifanayo lomsebenzi, ngoko ababolekayo banokuhlawula iindleko ezivela kumgangatho ophezulu.
Kuthiwani ngamaphuzu? Khumbula ukuba iindleko zokuqala kunye namaphuzu okuphuhlisa ahlawula izinto ezahlukeneyo. Iphulo lesaphulelo liyanciphisa izinga lakho lomdla, kwaye iifizi zokuqala zihlawulisa umboleki wakho wokuvala umboleko wakho. Nangona kunjalo, igama elithi "amaphuzu" lisetyenziswe ngokungaqhelekanga ukuba libhekise kwipesenti enye yemali yakho mboleko, nokuba uthetha malunga neerhafu zokucwangcisa okanye amanqaku okuphuhlisa. Njalo ucele ukucaciswa ukuba awuqinisekanga ukuba umboleki umbhekiselele kuyo.
Ezinye iindleko zokuvala
Imirhumo yemvelaphi ayiyo kuphela imirhumo oyihlawulayo. Uya kuhlawula iindleko zokuvala ezongezelelweyo, ezikwahlukileyo kwiphepha lesibini le-Loan Estimate. Ezi ndleko ziquka iinkonzo ezinikezwa ngamalungu amaqela, kodwa umboleki wakho ulungiselela ezo nkonzo, ngoko zibonakala zifana neentlawulo zetyala. Ngokomzekelo, ababolekisi kufuneka bahlole i-credit yakho, balawule uvavanyo , kwaye uqokelele iifizi zemali kwiinkqubo zikaRhulumente ezifana ne-FHA mboleko . Kwezinye iindleko zokuvala, ungathenga ngeenxa zonke uze ufumane umthengisi ohlawula imali encinci-eyininzi yokugcina amakhulu amaedola.
Zonke, iindleko zokuvala zakho-kunye neemali zokuqala kunye nezinye iindleko-zingabikho phakathi kweepesenti ezi-2 kunye ne-5 ekhulwini yemali yakho mboleko.