Abatyalomali bezoTywala bangakwazi ukulungiselela iimfuno zabo
Uhlobo lokuthenga ngemali owukhethileyo njengotyalo-mali-mali uyinto ebalulekileyo ekuqaliseni izinga lakho lomngcipheko kunye nokuhamba kwemali okuza kubakho imali. I-ROI yakho yonke, ukubuyela kwi-Investment, iya kuxhomekeka kwizinto ezininzi, kodwa uhlobo lomboleko lulungile kufuphi naphezulu.
Nazi iintlobo ezintandathu ezithandwayo zemali yokubambisa ukusuka kumbono womtyalo:
• Intlawulo e-Fixed : "Imali ekhokhwayo yase-Eddie".
Umngcipheko ophantsi kwaye uqikelele. Kodwa, akusoloko ixabiso eliphantsi. Nangona kunjalo, ukuba unenjongo yokubamba ikhaya eliqashisayo iminyaka, ke le hlobo lento mboleko lukuvumela ukuba ubeke le ndleko enkulu yobunini kwilitye. Awudingi ukukhathazeka malunga neenguqu zenguquko ezonakalisa ukuhamba kwemali yakho. Kwakhona unokuhlaziywa ukuba amaxabiso ahla, ngoko unako ukuguquguquka. Ukuba amazinga aphakamileyo kunokuba uyathanda kodwa usenokufumana ukuhamba kwemali efanelekileyo, ungathatha umboleko wemali ehleliweyo kunye nenjongo yokucoca ngokutsha ngosuku oluzayo.
I- Rate Adjustable (ARM) : Ngamana anganikeza amaxabiso angaphantsi okuqala, kodwa umtyalo-mali uthatha umngcipheko wezinga lomdla kwimpilo yotyalo-mali. Olu hlobo lwemboleko luyinto engcono xa ufuna isilinganiso esincinane sokubamba ixesha elifutshane elicwangcisiweyo, ngaphantsi kwexesha elide ngaphambi kokuba utshintsho lwentengo. Unokuphinda uthathe lolu hlobo lwemboleko xa ulindele ukuhlawula amazinga. Kukho iimali-mboleko ze-ARM ezi-5, ezi-7 kunye ne-10 zeminyaka ezikhoyo, kwaye enye yezi ziyakwazi ukulungelelanisa isicwangciso sakho sotyalo-mali kwaye ukwandise ukuhamba kwemali ngexesha uceba ukuthengisa i-asethi ngaphambi kokuba uhlawulele ixabiso lemali mboleko.
• Inzala kuphela : Nciphisa intlawulo yakho ngokuhlawula umdla kuphela (akukho nqununu) ngexesha elichazwe ngaphambili. Kodwa lungele ulungele izinga lakho lokunyuka. Ukuba ngokuqinisekileyo uceba malunga nohlobo oluthile lwe-flip resale ngexesha elifutshane, le nto ingaba yindleko ephantsi kwi-pocket ngexesha olifuna ngayo imali. Imboleko yokulungisa & flip yokuthengiselana ngexesha elivela ekuthengeni ukuvala ngokuvalwa kokuthengisa kungaba ngumzekelo.
Kukho abatyali-mali abaceba isicwangciso se-1031 kwixesha elizayo elizayo abasebenzisa imali-mboleko-mboleko kuphela ukuze bagcine iindleko kunye nokunyuka kwemali kuze kufikelelwe isicwangciso sabo.
• I- Zero Down : "I-" gurus "iyashumayela le ndlela yokuxhaswa ngemali engafuneki ukuhlawula. Oku kunokwandisa izinga lokubuyela kwi-investment yakho, kodwa qaphela ingozi. Olu hlobo lwemali mboleko lwaluphelile emva kokuphazamiseka okwaqala ngo-2007. Kungenzeka kubekho okukhethwa kukho ukuhlawula imali ekubuyiseleni kwiimarike njengoko oku kuhlaziywa ngasekupheleni kuka-2015, kodwa ukuhla kwehla akuyi kuba lula ukuyifumana.
• Ibhaluni : I-balloon mortgage is amortized ngexesha elide kunexesha le mboleko. Oku kunokubangela ukugcinwa kwenyanga yentlawulo, kodwa lungele ukulungiswa ekupheleni kwekota. Umzekelo: Uthatha imali-mboleko ukuthenga ikhaya, kwaye intlawulo isekelwe kwimbopheleleko yeminyaka engama-30, kodwa imboleko iphela iminyaka emihlanu kuphela. Kumele uhlawule umboleko ekupheleni kweminyaka emihlanu, ukuhlawula ibhaluni. Ugcina imali yenzalo ngenxa yemali engama-30.
• Ukuxhamla ngaphandle : Ukuba unesibonelelo sokuthenga imali esikubonakala silungile ukuba sibe yinyaniso-mhlawumbi. Uninzi lwalolu hlobo lokuboleka lwanyamalala emva kokuphazamiseka, ngoko ndiyichaza kuphela xa uthe wafumana into ebonakalayo ukuze kubonakale kungenakwenzeka.
Olunye uhlobo lomboleko ongeyena "ucoceko" yiNgxowa-mboleko yokuThengisa i-Blanket Mortgage iqela lezakhiwo ezisele zibolekiweyo. Ukuba bebanjelwe iminyaka, kukho ukulingana okungasetyenziselwa ukuxhasa ezinye iimali-mali. Iqela lale propati linokufungiswa njengokhuseleko lwemali yezinye iimpahla zithengi.
Abanini-zimali abanempahla banokukhetha ukufumana imali, kodwa bahluke kakhulu kunexesha elidlulileyo. Nangona kunjalo, umtyalo-mali okhutheleyo unokuxhaswa ngeendlela zakhe ezahlukeneyo kwaye athole i-ROI abayifunayo. Ukulinganisisa ngonyulo lwakho. Ngamanye amaxesha ukukhethwa kohlobo lwemali-mboleko kungenza umehluko nokuba ingaba inkontileka ingenziwa okanye cha. Kodwa, ukuba oko kukuvalwa kwesofowuni, qaphela ukuba wenze ngokukhawuleza.