UkuPhephelwa kweNgcaciso kunye nezinye iiNzuzo eziMfutshane ezithengisayo
Isizathu # 1. Gwema ukuBhengeza
Kubantu abajongene nobunzima, ukuthetha ngokuthengiswa okufutshane kwipropati yakho kunokukunceda ukhuphe ukuvalwa.
Ngoxa zonke zombini ukugqithiswa kunye nokuthengiswa okufutshane kukuhlala kwingxelo yakho yeebhanki iminyaka eyisixhenxe, ukugqithiswa kwemali kunempembelelo embi kakhulu kumanqaku akho ekhredithi, amazinga omdla kunye nokukwazi ukufumana imali mboleko.
Ngethuba lokuthengisa okufutshane, usengumnikazi wepropati yakho. Injongo yakho kukuqinisekisa ukuba umbolekisi wakho ukwamkele ngaphantsi kwelo xesha ubolekwa ngemboleko, kodwa umboleki-mali akayilo umninikhaya. Nguwe ozama ukufumana umthengi onomdla kwipropati.
Kwi-foreclosure, umnini-mboleko uthatha ipropati yakho. Umboleki-mboleko nguye ozama ukufumana umthengi kwipropati ukuze bakwazi ukufumana nayiphi na imali abanako kuyo. Ukuba unokufumana ukuthengiswa okufutshane kunye nokuvalwa kwipropati yakho, unokuphepha ukulahlekelwa yipropati yakho ukuchithwa.
Isizathu # 2. Phuma emanzini
Ukuthetha ngokuthengisa okufutshane kwipropati yakho kunokukuvumela ukuba uphume ngaphantsi kwamanzi. Ngokomzekelo, uthenge ipropati i-$ 400,000, kodwa kwiimarike zanamhlanje kuxabisa i-$ 230,000.
Ukuba uthabathe iminyaka engama-30 kwipropati kwipropati kwaye ufake iipesenti ezintlanu, okanye i-$ 20,000 phantsi, unayo imali engama-dollar ayi-380,000 kwipropati. Nangona unempahla emihlanu iminyaka, ucinga ukuba wenze imali encinci yokuhlawulwa kwemali yenyanga, uhlawulelwa ngaphezu kwe-300,000 kwipropati, eyona nto ibaluleke ngaphezu kwexabiso elingu-230,000.
Ekubeni akukho mntu uza kuba nokuthenga iprojekthi eyi-$ 300,000 kwiimarike zangoku, ungazama ukuxoxisana nokuthengisa okufutshane. Ngokuthengisa ngokufutshane ipropati yakho, unokufumana ibhanki ukuba yamkele kufuphi nexabiso elingu-230,000 le propati. Unokuthathethathethana nebhanki ukukhutshwa yimbopheleleko yetyala elongezelelweyo okanye unokufuneka usebenze isicwangciso sokuhlawula kunye nomboleki weedola ezingama-70,000 ezisele.
Isizathu # 3. Ibhanki Inokusenokuxolela amatyala / ukukhutshwa kweMfanelo
Xa uxoxisana nemigangatho emfutshane yokuthengisa kunye nomboleki wakho, kufuneka uzame ukubenza bavume ukukhululwa kwetyala letyala elisele. Oku kuthetha ukuba abayi kuzama ukusukela isahlulelo esilahlekileyo kuwe ngenxa yohlukwano phakathi kwento ebolekisiweyo yokuthengiswa kwepropati kunye nemali oyenetyala. Qinisekisa ukufumana oku kubhaliweyo.
Nangona bengakukhululi imali epheleleyo, ubolekisi banokuthi bazimisele ukubeka uxanduva lwakho kunokuba unetyala. Ngokomzekelo, ukuba usenokukweleta i-$ 70,000, banokuvuma ukufumana i-R10 000 ehlawulwayo kwizitofu zenyanga.
Isizathu se-4. Singaziphepha ukubika kakubi kwiiNgxowa-mali zetyala
Xa uxoxisana nemigqaliselo yentengiso emfutshane nebhankini yakho, unokuzama kwaye ubenze ukuba batshintshe indlela abavakalisa ngayo ukuthengiswa okufutshane kwiimali zesikweletu.
Ukuthengisa okufutshane kuya kuthiwa kubhalwe ngetyala lakho njengetyala "elihlelwe". Iingxowa-mboleko zemboleko zijonga eli gama kakubi ngenxa yokuba ithetha ukuba umbolekisi uhleli kwaye wamukelwa ngaphantsi kwento eyayikukweleta kuyo.
Iimpembelelo kumanqaku akho ekhredithi ziyahlukahluka ngokusekelwe ekubeni ngaba ulahlekile ngokwenene nayiphi na intlawulo yemboleko kunye nakwimbali yakho yesikweletu. Amanqaku akho ekhredithi angayilahla ngamanqaku angama-40 okanye amanqaku angama-200.
Injongo yakho kukufumana umboleki ukuba abize itengiso elifutshane njengetyala "elihlawulwayo" kwingxelo yakho yekhredithi. Ukuba unokufumana umboleki-mali ukuba avume oku, akuyi kuba nefuthe elibi kwi-credit yakho. Ewe, banokuyichasa eso sicelo, kodwa akubanga buhlungu ukubuza. Ababolekisi banokulungela ukuvakalisa ukuthengiswa okufutshane njengoko kukhokhelwa ngokugcwele kubantu abangazange balahlekelwe intlawulo kwaye banomvuzo omkhulu wokuthenga ngetyala.
Isizathu # 5. Esilula ukufumana iMali entsha
Ukuba uhamba ngokuthengiswa okufutshane kwaye umboleki-mboleko uye waxela kwiziko lemali-mboleko, akukho ndlela kuya kuba lula ukufumana imali mboleko kwipropati entsha. Nangona kunjalo, ababolekisi baninzi kakhulu xa bebona ukuthengiswa okufutshane kwimbali yakho yeebhanki kunokuba ngaba unayo ipropati elahlekile ukuchithwa.
Wonke umboleki unemilinganiselo eyahlukeneyo, kodwa i-foreclosures izakuchaphazela ukukwazi kwakho ukufumana imali yokuthenga ngemali iminyaka emihlanu ukuya kweyisixhenxe emva kokungena. Ukuthengisa okufutshane kuya kukuchaphazela kakubi ukukwazi ukufumana imali ngeyiphi na kwiminyaka emibili ukuya kwimithathu emva kokuthengisa okufutshane. Ukuba unako ukufumana mboleko ngaphambi koko, unokujamelana nemigqaliselo ebolekileyo yokuboleka, njengamazinga enzala aphezulu. Ukufuna inkxaso-mali evela kubani-mboleko bangebucala kubakho okukhethwa kukho.
Okulandelayo: Umthamo weNtsholongwane yokuThengiswa kweMpahla yakho