Kwezinye iimeko, iingubo zokubophelwa kwezindlu zangasese zingaba yinto efanelekileyo yokuxhasa imali. Xa iimeko ezifanelekileyo zikhoyo, kwaye abathengi kunye nabathengisi baqonda zonke iindlela zabo, ababolekisi bangenza iitalente zempahla ebolekayo. Funda iikhrayitheriya kunye nenzuzo kunye neengxaki.
Ababoleki banomdla ophezulu kwiimali zokuboleka imali. Bafuna ukhuseleko oluninzi ngangokunokwenzeka. Bayafuna ukuxhamla apho bangahamba khona xa umntu obolekayo engenzi. Imali-mboleko yeebhanki ibonelela ngeendlela ezikhethileyo zezocalo-mali kunye nokulinganisela ukuba bangenako ukuthabatha.
Iingxowa-mboleko zeengxowa-mali. Jim Kimmons Izizathu zokukhetha i-blanket mortgage zizodwa. Ababolekisi banokulingwa ukuba banikele ngemigangatho engcono kunye neerhafu , kwaye abathengisi banokuhambisa iimpahla ngelixa bephethe iphepha elinokhuseleko olungakumbi. Funda i-criteria ekhethekileyo eya kwenza i-blank mortgage mortgage ikhethe kakuhle.
02 - Umthengi Inzuzo ekuSebenziseni iNgxowa-mali yeMali
Kukho izizathu ezintle kakhulu zoshishino kunye notyalo-mali zokusebenzisa i-blanket mortgage mortgage imeko. Umthengi unokufumana imali engcono yokuboleka imali, akhulule imali kunye nokunye. Funda inzuzo yomthengi kwi-mortgage loan. 03 - Iingxaki ze-Blanket Mortgages kubathengi
Njengokuba zininzi zigqibo zezemali, kukho iingxaki kunye nokuqhelana nokusebenzisa i-blank mortgage mortgage. Funda ukuba kutheni umthengi angafuni ukwenza njalo. Nokuba umthengi wokuqala wekhaya usebenzisa umlinganiselo. Basebenzisa imali yabanye abantu ngefom ye mboleko yokuthenga ikhaya labo. Ngokuqinisekileyo, abakucingi ngalo kwisigama-magama somtyalo; Bafuna kuphela umboleko ukuthenga ikhaya labo. Umtyalo-mali omtsha okanye omncinci othenga enye okanye imizi embalwa yokuqeshisa iphinda isebenzise imali yemali yokubolekwa kwempahla, umboleko ngamnye kwaye kufuneka afaneleke ngamnye ngamnye. Ingaba nzima xa ukuboleka imali kuqinile ngenxa yokuba iimfuno zokufaneleka ziba nzima. Ukuba urenti kunye nokuhamba kwemali efanelekileyo kuya kuqwalaselwa, oku kukhulula ngokukodwa, kodwa ukufaneleka kwemboleki-mboleki kunye neentlawulo eziphantsi kubaluleke kakhulu. Xa kuziwa kwiintlobo zentsapho, amafulethi kunye neentengo zentengiso, izinto zitshintsha kakhulu. Ingeniso evela kwipropati idlala umqulu omkhulu. Ukufaneleka kwamatyala abobolekayo, ngokuqhelekileyo iqela, alibalulekanga kangako. Ababolekisi basebenzise izibalo ezahlukeneyo ezifanelekileyo, kubandakanywa nokuhlaziywa kwanokuhlaziywa. Ukwaphuka-nokuba luhlalutyo lubheka zonke iindleko ukuba zibe nazo kwaye zisebenzise ipropathi kwaye zijonge kwiingeniso. Izibonelelo zenzelwe ikhefu kunye nokulahleka kwetyala, kwaye ke bajonge ukuba babone ukuba kukho imali eyaneleyo yenyanga engenayo ukubonelela umkhombandlela kunye nenzuzo eyamkelekileyo kumnini / mboleki. Iingozi zobungakanani Xa iimpahla zeempahla kunye neemarike zemali zithengisa ukususela ngo-2006, abaninzi abatyala imali kunye ne-flip kunye nabanini-mali bebonke bahamba phantsi ngenxa yokuba babanjwe nge-inventory eninzi engazange bathengise kwaye amanani eemarike anqamle, abashiye bakwazi ukuhlawula ityala. Nangona kunjalo, ininzi yabatyalo-mali bepropati beyilungile, njengoko babenemali ebekelwe phantsi kwaye abazange balahlekelwe ngabaqeshi. Enyanisweni, imfuno yokuqashisa yaqala ukukhula njengoko abantu belahlekelwa amakhaya abo, abanye babesaba ukuthenga emakethe. Ngokuqinisekileyo, iipropati zabo zalahlekelwa xabiso, kodwa kuya kuba yesikhashana, kwaye bekunomdla okwesikhashana nje ngokuhamba kwemali; kwaye zaqhubeka zizayo. Oko akuthethi ukuba bonke abatyali-mali bezindlu zokuqeshisa baya kuphuma. Ngenxa yokuba iimarike zitshisa kakhulu kwaye amaxabiso akhula ngokukhawuleza, abanye abatyali-mali batyathengayo baza bafaka iinkonzo ezingaphezulu kunokuba babefanele babe nokuhamba kwemali encinci. Benza okulungileyo baze abaqeshi baphume kwaye ikhefu labo kunye nokulahleka kweentengo zemali ziwahlawule. Ingongoma kukuba yonke imali ityala inomngcipheko. Ixabiso eliqhelekileyo lisoloko lengozini kuneemarike zamasheya, kodwa kuphela ukuba umtyalo-mali wenza ukunyamekela ngokufanelekileyo kwaye akazange asebenzise ukunyusa okungaphezulu. Xa izinto zihamba kakuhle, musa ukuqala ukubetha kwiintetho ngenxa yokuba unako, njengoko usenokuzisola emva koko. Imali ingawa, ingakumbi ukuba umqeshi omkhulu wendawo uhamba kuloo ndawo.