Qinisekisa ukuba Unjani Umxhasi Wakho Unokuboleka
Lo ngumsebenzi wezinto eziliqela: Ingakanani inkokhelo yenyanga inokuthi umthengi wakho anikeze? Kwakhona, unikezwa ngetyala lekhethileyo kunye neengxelo zengqesho, ingeniso kunye netyala leemali, kunye neenjongo zezemali, ubuninzi bobo mboleko mboleko? Umthengisi wemboleko okanye igosa le mboleko lingakunceda uphendule umbuzo wokuqala kwaye uza kubonisa iziganeko ezahlukeneyo zokuxhasa imali ngokusekelwe kwimpendulo kwimibandela embalwa elula. Ngokuxhomekeke kwizikhokelo zesikweleti eziqhelekileyo, ababoleki-mboleki bakho kufuneka babe negalelo elilungileyo kakhulu yimiqathango kunye nenkxaso-mali abaya kuzuza kuyo.
Ukulungelelanisa uMboleki-mboleko wakho kuMboleko
Le yilapho ierubha idibana nomzila kwaye umxhasi wakho uyakusindisa imali eninzi. Ngemvume yomthengi, umthengisi okanye igosa le mboleko likhangela ingxelo yengxelo yemboleko. Ingxelo-mboleko-kunye neembali zokuhlala kunye neengxelo zengqesho kunye neengeniso, inkokhelo kunye ne-asethi-kunceda ukuqikelela ukulungiswa kwemali.
Wena, njenge-arhente yendawo yokuhlala okanye umthengisi, sebenzisa isimo se-prequalification sakho somthengi ukuba wenze isibonelelo esihle kwi-real estate umthengi wakho ukhetha. Nangona wena kunye nomxhasi wakho ugxila ekukhethweni kwipropati, umthengisi okanye igosa le mboleko lingasebenza ekufumaneni imali ebolekileyo kumthengi wakho.
Ukugqitywa kweNkqubo yesicelo seNgxowa-mali
Emva kokuba umthengi wakho enze isipho esithengiswa ngumthengisi, lixesha lokugqiba inkqubo yesicelo semboleko.
Ixabiso lekhaya lihlaziywa yibhanki njengenxalenye yesicelo semboleko. Nangona ii-appraisals zihlala ziyalwe ngolo xesha, ezinye iindawo zihamba kude novavanyo lwendabuko ngokubhekiselele kwindlela yokulinganisela esekelwe ngokubanzi kwiinkcukacha ezinkulu kunye nokuxhamla abantu kunokuba kuthengiswa kwintengiso ekhoyo.
Ukufumana iNgxowa-mboleko
Usebenza kunye ne-agent ye-real estate agent ukuba ukhethe inkampani ye-escrow okanye isihloko sokusingatha imali yemboleko emva kokuba ivunyiwe. I-broker okanye igosa le mboleko lisebenza kunye nekampani yetayitile ukuqinisekisa ukuba onke amaxwebhu afunwa ngumboleki afunyenwe kwaye ayenziwa. Umxhasi wakho ubonisa onke amaxwebhu okuvala kwiiofisi zenkampani yokuthungela okanye yesikhundla.
Inkqubo yokuThengiswa kweMpahla yoBuThengiswa kweMpahla apho iZakhono zakho ziyakongeza ixabiso
Inkqubo yemboleko yokubolekwa kwempahla yinkqubo eyinkimbinkimbi kwaye inqabileyo ihamba ngaphandle kwezinto. Nangona abanye ababolekisi bafuna ukuba ukholelwe inkqubo yokufaka izicelo zemboleko kwikhompyutha, i-snap, abaninzi ababolekayo bagcina bexakeke kwaye badideke ngayo. Ababolekayo baphela ukuyeka inkqubo yesicelo se-intanethi nokubiza umntu onokubanceda. Njenge-arhente ye-real estate, unokuthi udibanise inkqubo kwaye wenze ininzi yokuphakamisa okunzima kumboleki-mboleki.
Oku kukhulula umboleki-mboleki ukuba agxininise kwizinto ezibalulekileyo: ukulungiselela ukunyuka kwikhaya elitsha, ukugcina imali, okanye ukwenza izicwangciso zokuhlola i-home equity check. Ukunceda abathengi yintoni umthengi igranti yonke malunga, kunye nolwazi lokuboleka imali luyingxenye ebaluleke kakhulu.