Ukuba utyalomali kwi-real estate, mhlawumbi sele uyazi ukuba unenani leendlela ezahlukeneyo xa kuziwa ekuxhaseni kwakho imali . Ezi zibandakanya kodwa azikhawulelwanga kubabolekisi beepotfoliyo, iimali-mboleko zentengo yasekhaya, iimali-mboleko zentengiso, iimali-mboleko eziqhelekileyo, inkxaso-mboleko yemali, imali enzima kunye nokunye. Ukusebenzisa ezi zikhetho ngokuqhelekileyo kubaluleke kakhulu kwimpumelelo okanye ukungaphumeleli kwemicimbi. Enye inketho edlalwa yinto engamagugu e-credit.
Akunandaba nokuba utyalomali kwiindawo zokuthengisa ezithengiswayo, amafulethi, amakhaya osapho angatshatanga okanye abanye, indawo yokuthengisa i-credit ye-mortgage ingaba luncedo kakhulu ekunikezeni imali yangempela xa uyidinga.
Ngomgca we-credit, ungasifaka isicelo kwaye ufumane imali kunye nekhredithi oyifunayo ngexesha elifutshane kakhulu. Kwaye ngokubulela ubunzima behlabathi lezezimali, iibhanki namanye amaziko anikezela ngeengxaki zokukufumana iingcango. Enyanisweni, amanye amaziko akhuthaza ukuba bayakwazi ukufumana imali yokuthengiswa kwezindlu zangaphandle kwiintsuku emva kokuba ufake isicelo semali.
Ukusebenzisa i-Equity Ekhaya
Abanini-mali abaninzi bezakhiwo zentengiso basebenzise ukulingana kwabo ekhaya ukuze bahlawule imali yabo yokuthenga. Ngelishwa, umboleko wezolinganiso ugcinwa likhaya lakho, kwaye ukuba ungekho phantsi kwemali mboleko ababolekisi banokufakela ikhonkco kuloo khaya. Nangona ngokuqhelekileyo kulunge ukuhamba, iindawo zokuthenga i-credit real estate zibhetele ngokunikezela ngeenzuzo ezahlukeneyo.
Okokuqala, umgca we-credit line ayikho into enokubambisa, i-appraisals, irhafu yentlawulo okanye ezinye iingxelo zemali. Kwakhona akukho zithintelo malunga nokuba imali ingasetyenziswa njani. I-qualifier kuphela yirekhodi yakho yemboleko kunye nekredit credit. Emva kokuba ufumene umgca we-credit, ungayisebenzisa ukuthenga i-real estate, nokuba unenjongo yakho ukuyibuyisela kwaye uyibuyisele.
Ekugqibeleni, kunye nemigangatho yempahla yesikweletu, umnini-zimali wezindlu angayisebenzisa ukuba abe yinxalenye yamacandelo angakumbi anokufuna ukuthatha inxaxheba kuyo. Ngokwenene, oku kuya kukwandisa umgangatho wakhe kwisakhiwo ngasinye.
Emva kokuba iNgxowa-mali ifunyenwe
Xa umninimzi-ntengiso unelungelo lokufumana i-mortgage line , angakhathalela kwaye enze iintlawulo kwiindlela zakhe kangangoko afunayo. Ngenxa yoko, xa unendawo yokuthenga i-credit ye-real estate, unako ukutyalomali kunye nokufakela iipropati ezininzi kunye nomgca we-credit . Oku kunokukugcina iindleko ezinkulu eziqhelekileyo ezinxulumene nokusebenzisa ababolekisi bemali abanokuthi bahlawulise inzala kuphela kodwa "neendleko zangaphambili." Iindaba ezilungileyo kwiindawo zokuthengisa ngeentengo zemboleko zinikezela abatyali-mali ukufikelela kwimali ekulungele ukwenzela ukuba benze iikhontenti abafisa ukuzibandakanya kuzo.
Ayithathi indawo ye-real estate tycoon ukuba ukwazi ukuba uqoqosho lwangoku lwenza inani elikhulu lamatyala otyalo-mali omhlaba onokufumaneka kuwo wonke umntu ofuna ukubandakanyeka. Ngenxa yoko, lamathuba atholakalayo kunoma ubani ongenayo imali, ngokuchanekileyo kutheni ukuba ne-real estate line ye-credit ekhoyo ifanelekile. Oku kuguquguquka kukuvumela abatyali-mali ukuba balungiselele iqhinga labo lokutsalwa kwezindlu.
Ezinye iinzuzo zokuba nemigca yesikweletu sempahla ziquka:
- Akukho mali ephezulu
- Akukho maxwebhu
- Akukho vavanyo
- Akukho nkonkco
- Akukho mithintelo ekusebenziseni
Enye inzuzo ebalulekileyo yemida ye-credit yekhredithi yikhono elinikezela abatyali-mali ukuba bathenge malunga naluphina uhlobo lwendawo yokuhlala ngaphandle kokubambisana nomhlobo othile. Ukongezelela oku, abatyalo-mali bangasebenzisa ezinye iintlobo zemali-mali yokutshala imali kunye neendlela zentengo yeentengo zemali ukuxhasa imali-mali.
Ukufumana imali efumanekayo ngokukhawuleza yokutyalomali kwi-real estate yintengiso enkulu kwiqhinga elilinganayo lokutyalo-mali. Oku kunjalo, yindlela enye kuphela kwi-arsenal yezixhobo zokuxhaswa ngemali ezingasetyenziswa, kodwa kubalulekile.
Kubalulekile ukuqonda ukuba amaziko eemali ahluke kakhulu, ngoko kufuneka uxoxe nomboleki wakho ukuze ubone oko bakunikelayo.
Kufuneka uqwalasele ukubonisana kunye negqwetha kunye / okanye umgcini-mali okanye omnye umcebisi wezezimali ukuze uqonde yonke imiphumo yemali kunye nemeko yeemeko zakho. Ngethamsanqa, indawo yokuthengisa i-credit yexabiso leemali ingabaluleka kakhulu.