I-Pros and Cons
Naliphi na ixesha umntu oboleka imali kukho inzuzo ezithile kunye neengxaki. Oku kuyinyani ngokukodwa kwishishini lezentengiselwano zentengiso apho ipropati yengeniso yepropati kunye nekhredithi yemboleki-mboleki ingenakuxelela ibali elipheleleyo lokuba ingaba i-mboleko yezigidi ezili-dollar ingenangqondo.
Njenge-arhente yeentengiso zentengiso, ke ke ngumsebenzi wakho ukuqinisekisa ukuba abathengi bakho baziswa kakuhle malunga nendawo yabo yokukhetha imali.
Ezi ziquka zombini iziko zemali zemali ezifana neebhanki, kunye nezinye izisombululo ezinjengezimali zangasese.
Xa umxhasi wakho enolwazi malunga nokukhetha kwakhe, unokufumana ukuba yiyiphi imigaqo eya kuzuza kuye kakhulu kwiimeko zakhe zangoku.
Amabhanki
Iinkonzo
- Ngokuqhelekileyo unikezela ngexabiso eliphantsi kakhulu lokuthengwa kwemali kwiimarike
Imigaqo-mboleko yemveli yemboleko yemveli yenza umngcipheko wokuboleka umboleki
- Imali ingaba ixesha elide, isasazeka ngaphezu kweminyaka engama-20 okanye ngaphezulu
Umxhasi
- Intlawulo ephantsi, ukuqinisekiswa kwengeniso kunye neemfuno zemilinganiselo zemboleko
- Awuyi kubakhokelela ngokungahambisani nemveliso yemveliso
- Inkqubo yokwamkela ixesha elide, ngemali ethatha ixesha elide kwiintsuku ezingama-90 ukuba zikhuseleke
- Imirhumo yokuhlawulwa kwangaphambili yentlawulo
Ewe, sonke siqhelana neebhanki ezinkulu ezenza iimali mboleko zokuhlala kunye nezorhwebo:
- Bank of America
- Citibank
- I-Wells yaseBhango Bank
- Deutsche Bank
Uxhasomali lwaBucala
Iinkonzo
- Akukho mfuneko yokuboleka imali. Amacandelo amabini angakwazi ukuza ngokwabo
- Inkxaso-mali ingasindiswa ngokukhawuleza
- Inkqubo yokufumana isibonelelo semali-mboleko isoloko iyinkimbinkimbi kwaye idla ixesha
- Imali encinane esetshenziselwa imali kunye neendleko zokuvala ezimalunga nomboleko
Umxhasi
- Imali ngokuqhelekileyo ifike ngezinga eliphezulu
- Ukubuyiselwa okuphezulu kutyalo-mali ngokulindelekileyo kulindeleke
- Uninzi lwemali-mboleko yabucala i-short-term
- Kufuneka ubonise ukuba inzuzo yengeniso yepropati
- Kumele udale isicwangciso esiphumekileyo sokuphuma
- I-real estate enye ifuna ukuxhaswa ngezenzo njengento yokubolekwa kwemboleko
- Ngokuxhomekeke kumlinganiselo wokubolekwa kwemali-mboleko, ababolekayo bangadinga ukunqumla i-collateralize ukuze bafumane imali yabo epheleleyo
Kwakhona kuthiwa "imali enzima" ababolekekisi, unokufumana kwi-web search, kunye nezinye iziphumo eziphezulu apha:
- Private Bank
- Ukuboleka kwezorhwebo
- I-Fairview Ukuboleka Kworhwebo
Kukho imali eninzi ngaphandle kwerhafu yokuthengisa, kodwa uqhathanise ngokucophelela zonke iindleko, kubandakanywa iintlawulo kunye nomdla.
Inkxaso-mali
I-niche ekhethekileyo yokuboleka imali ekhulile kakhulu ekulungiseni & flip boom yinkxaso-mali. Aba babolekisi baxhomekeke kwinkxaso-mali yokuthengisa impahla kunye nokulungisa kunye nama-flip amadili, kunye ne-wholesale turnaround ngamanye amaxesha ngosuku olufanayo, kwaye silungise & flip ngeenyanga ezimbalwa nje. Abanye baphendukela kwi-Web search:
- Eyona Ngcono yoNcediso-mali
- Fund-a-Flip
- Uncedo lweMini yoThutho olunye
Imali ilapho. Wonke umntu obolekayo urhwebo kufuneka ayenze ukukwenza zonke iindleko kwi-deal kwaye azigubungele ngenzuzo enhle ukulungelelanisa ingozi. Inqabile ukuba umtyalo-mali okanye ulungelelaniso-kwaye-flip isingenakufumana inkxaso-mali, kodwa isitshixo kukulawula iindleko kwaye kungekhona intengo yabo yokuthengisa ngaphandle kwemarike.
Xa kuthengiswa kwakhona komnye umtyalo-mali, njengomtyalo-mali wezindlu zokuqashisa, ulungelelaniso lweemali, kunye neendleko zemali-ntengo yinto enokuba yinxalenye ebalulekileyo yeendleko. Akukona nje ngomdla, njengoko ininzi yale mboleko ingenesikhathi esifutshane.
Ezinye iirhafu zinokufikelela kumawaka eedola. Iindaba ezilungileyo kukuba unako ukulinganisa ezo ntlawulo ngaphambi kokuzibophezela kwimicimbi. Uninzi lwaba babolekisi baya kukwazisa kunye neenobumba ezikhawulezayo zobungqina benkxaso-mali ukukhawulezisa iikontenti zakho.
Ababolekisi abathengiweyo bazalisa i-niche kunye ne-fix-and-flip abatyalo-mali. Umtyalo-mali-mhlaba-mali-flip uza kuthengwa ngokuncinci kwaye asebenzise imeko ehluphekileyo kunye ne-rehab njengenxalenye enkulu yenzuzo. Kukho indawo eninzi kwi-rehab, ngoko kukho indawo yeendleko zemboleko yokuthenga. Qaphela nje ukuba awuzange usebenze nomnye walaba babolekisi ukuba baqiniseke ngokuqinisekileyo ngesakhiwo sabo sentlawulo.