Abanini-mali basemzimbeni abanokuhlala benokuthengwa ngexabiso elinokuthengwa kwezindlu eziqingqiweyo ngokuthengisa okufutshane. Iimveliso ezimfutshane ezincinci azifumanisiweyo okanye ziwela ngenxa yezizathu ezahlukeneyo. Funda apha inkqubo yokunyathela ngamanyathelo okuqalisa ukuthengiswa okufutshane, ukuqala ngomnini-mboleki-mboleki kunye nokuhamba ngeengxoxo zokubolekisa ngetyala.
Iingcebiso ze- 01 ukuya ku- 8 Ukuba uqalise kwiNgxelo emfutshane yokuthengisa
02 - Ukuhlaziywa kwexabiso lePropati yokuThengiswa kweMpahla emfutshane
Ukuthengisa okufutshane kuya kusebenza xa kukho ukulingana okwaneleyo kwikhaya lomthengisi ukuba uthengise kwaye ubuncinane aphule nakwi-foreclosure. Umnini-mali kufuneka "abe phantsi" ngokuboleka imali. Funda indlela yokuchonga ukuba ngaba kunjalo.
** Ukuhlaziywa: Njengoko le nto ibhaliwe ukuthengisa okufutshane ixabiso liye lahla kakhulu njengoko iimarike ziphuculwe. Nangona kunjalo, kude kube ngowama-2016, kusekho nabanini bamakhaya phantsi kwamanzi kwimali yokubolekwa kwemali. Amaxabiso ayenyuka, ngoko ayingekho ngaphantsi nangaphambili.
Iindaba ezilungileyo kukuba kuba lula ukuza kwisivumelwano semali xa ixabiso lekhaya liye lisondele kwi-mortgage. Abantu abaye balinda iminyaka ukubuyisela ukulingana abaye balahleka ngexesha lezindlu kunye nokuhlaselwa kwemali ingabikho ixesha lokulinda. Le nto ingaba lixesha elifanelekileyo lokubheka ekubancediseni ukuthengiswa okufutshane kunye nokufumana indawo enkulu kwikhaya elihle.
03 - Ukuqhagamshelana noMthengisi weSicelo esifutshane sokuThengisa
Ababoleki abayi kuthetha nabatyalo-mali, abathengi abanokuba ngabathengi okanye abenzi bezindlu zangaphandle ngaphandle kokuba baxelelwe ngumboleki. Uya kufuneka ukuba ufumane imvume ngokubhaliweyo, qha ga mshelana nomboleki kunye nokuvuma, uze wenze umnxeba wokuqala umnxeba. Funda malunga nalo apha.
Ungalindelanga ukuba uyamkeleka kakuhle. Akunakwenyiswa ngokuthengisa okufutshane okanye ukusebenza kunye nabatyalomali. Unokufuneka ugcine emva kwabo ukufumana inkqubo kwiigesi.
04 - Ukubhalwa kweeNcwadi zobunzima bokuthengiswa okufutshane
Ileta yobunzima ikhutshana lephakheji elifutshane. Kuninzi njengobumba obunobumba bokuqalisa umsebenzi. Kumele kuqinisekiswe kwaye igqibe. Umboleki-mali kufuneka abe nombono wokuqala wokuthengisa okanye ukuchithwa okanye ukuchithwa.
"Ubunzima" kuthetha into ekuthethwa ngayo. Okona kufuneka uncede uqinisekise umboleki-mboleko umrharensi umva ngokubhekiselele eludongeni, mhlawumbi ufumane impendulo enhle.
05 - Ukuxhasa amaNombolo kunye nePakethe yokuThengisa emfutshane
Imfuyo yesithenjwa sakho esifutshane sithengisa izitatimende ezenziwe kwileta yobunzima. Ulungiselela isethi epheleleyo kunye neenkcukacha ezipheleleyo kunye neenkcukacha zemali ukuxhasa ibango lokuba ukuthengiswa okufutshane kuyisisombululo esihle kumboleki.
Yenza i-CMA exhasa imbono yokuba indlu ayiyi kuthengisa okungaphezulu okanye ngaphezulu kunikezelo lwakho kwiimarike zangoku.
06 - Izinto zeSivumelwano sokuThengiswa kweMpahla emfutshane
07 - Yintoni uMthengisi akwenzayo ngePhethi yokuThengisa elifutshane
Ukuba ulungiselele ipakethe yokuthengisa emfutshane, umnini-mboleko uya kuhlalutya amanani akho aze athathe ezinye zakhe. Funda malunga nalo apha.
08 - Ukuthetha ngokuthengiswa okufutshane kunye neLender & Going Closing
Unokufuneka uphinde uhambe kunye nokulahlekelwa liSebe elijongene nokunciphisa ukufumana ukwamkelwa okufutshane. Funda malunga nale ngxoxo kunye nokubaluleka kokuvala okukhawulezayo.