Xa uthengisa ipropati phantsi komboleko okhoyo, umboleki oqalayo akakhishwa kwi-mboleko. Njengomthengi, uya kuthatha iintlawulo kwaye uthemba ukuba wenze ngexesha njengoko kufuneka. Ukuba umboleko uya kuba ngumgqwetha, umboleki oyimvelaphi ubizwa ngeyiphi na inyathelo okanye ukuchithwa okulandelayo. Ukuba uthenge ipropati phantsi kwento yokubolekwa kwemali, kwaye umntu othengayo kuye wayenze okufanayo, umboleki oyimvelaphi ekuqaleni kwetyathani usenokuba noxanduva.
Ama-Mortgage kwi-Real Estate
Ama-Mortgages yindlela ezininzi iipropati ezithengwa ngayo kweli lizwe. Ibhizinisi elikhulu, kwaye urhulumente ubandakanyeke kakhulu.
Imboleko yemali mboleko yesikhathi eside ekhuselekile yindleko yendlu. Ityala inzala ephantsi kunye ne-15 ukuya kwi-30 leminyaka. Yenzelwe ukwenza ubunikazi bendlu bufikeleleke.
Imali-mboleko ye-Fixed-rates yinto ephambili yoshishino lwemboleko yemali eminyaka.
Kule minyaka, ukulinganiswa kwemali-mboleko-xabiso kuye kwaguquke kwaye ixabiso lentengo liye lafuduka kwaye liphantsi, kodwa ukhuseleko olusisigxina sokunikezelwa kwemali mboleko aluzange lulahlekelwe isikhalazo.
Kukho izizathu ezininzi esizithandayo iimali-mboleko ze-FHA namhlanje. Imali-mboleko ye-FHA ekuqaleni yawa ngobabalo kwiminyaka embalwa, kodwa ukususela ngo-2005 kuye kwandiswa!
Liziko eliye lahlala lide ixesha elide, ukususela ngoJuni 27, 1934. Isebe leZindlu kunye noPhuhliso lweMihlaba lixakeke i-Federal Housing Administration (FHA) phantsi kwe-ambulula yayo ngo-1965.
I-Congress yakha uhlelo lwe-VA Loan Guaranty ngo-1944 ukunceda amalungu abuyelayo aphumeze iphupha lobunikazi bezindlu. Ukususela ngoko, iSebe leeMfazwe-mkhosi liye linceda amalungu angama-18 yezigidi zempi ukuba athenge amakhaya.
Yiyiphi intlawulo yesibini? Unokuba uqhelanise ne-vanilla mortgage mortgage, ngoko ke yintoni imali yokuthenga imali yesibili ? Kungomnye umboleko wendlu yakho-mboleko egcinwe kwipropati. Igama elithi "sibini" libonisa ukuba umboleko awunanto ephambili ekhaya lakho xa ungekho phantsi. Esikhundleni sakho, imali yokuqala yokuboleka imali (ngokuqhelekileyo umboleko osetyenziswayo ukuthenga ikhaya lakho) ibaluleke kakhulu kwaye loo mboleko iya kuhlawulwa ngaphambi kokuba nayiphi na imali ihambe kwi-mortgage yesibini.
Intengo-mboleko kuphela yinto ethandwa ngabantu abatyali-zimali kwiindawo apho ukunyuka kwexabiso lepropati lenze ukuba kufumaneke ukutsalwa kwemali-mali ngokukodwa kunzima.
Imali-mboleko yemali-mboleko yemali kuphela ivumela umtyalo-mali ukuba amisele iintlawulo zeenqununu ngexesha elimiselweyo, ngokubanzi ukususela kwiminyaka emithathu ukuya kweyishumi.
Ngeli thuba, umboleki uhlawula inzala kuphela. Emva kwexesha lokuqala liye laphela umboleko uvuselelwe kwakhona ukuze uhlawule inqununu kwiminyaka eseleyo.
Ama-agents asethempelini asebenza kunye nabathengi abanamava ahlukeneyo ekuthengeni amakhaya kunye nokufumana imali. Ngowokuqala umthengi, kuya kubakho inkxaso engakumbi ekufuneka ichaze iintlobo ezahlukeneyo zemali-mboleko kunye nenkqubo yokufaka isicelo kumbolekisi kunye nokuhlawula imali ngekhaya. Ungabizwa kwakhona ukuba uchaze izinto zokubolekwa kwemali kubantu abatsha abatyali bezindlu.
Abathengi, ngokukodwa kwiimarike zentengiso zentengiso, nabo basebenzisa iimali zokubolekwa ngeengubo ngenxa yezizathu ezininzi. Ababolekisi benza imali ngemali mboleko. Ukuba amanani asebenza kwaye athola ukhuseleko olwaneleyo, ababolekisi bezentengiso baya kuvela kwimali yokubolekwa kweengubo ezisebenzisayo kwintengiso yepropati.
Mhlawumbi utyalo-mali olulandelayo luya kulungiswa ngakumbi usebenzisa i-mortgage mortgage.
Yiloo nto ephantsi kwee-mortgages, yaye abaninzi bethu baya kusebenzisa enye okanye ngaphezulu kwixesha lethu lokuphila, ngoko kulungile ukuqonda izinto ezisiseko.