Fumanisa aMandla oKhetho lwesiBini lwe-Mortgage ye-Home Equity Access

Ukulingana kwekhaya lakho ngumthombo onamandla wemali. NgeyethuI-Mortgage yesiBiniIinketho zoFikelelo ngokuLingana kweKhaya, unokulivula elo xabiso ukuxhasa ngemali uphuculo lwekhaya, ukudibanisa amatyala, okanye uhlawule iindleko ezinkulu. Ukubonelela ngokuguquguquka kunye nokufikeleleka, i-mortgages yesibini inika abanini bezindlu ngezixhobo abazidingayo ukuze bafezekise iinjongo zabo zemali ngaphandle kokubuyisela imali yabo yokuqala.

Zeziphi iiNdlela eziKhethekileyo zokuBoleka imali yesiBini?

Imali-mboleko yesibini yimali-mboleko eyongezelelweyo ekhuselwe yi-equity yekhaya lakho. Isebenza ecaleni kwemboleko yakho ekhoyo, ishiya imiqathango yayo ingakhange ichukunyiswe ngelixa ikunika ukufikelela kwi-equity oyakhileyo. Unokukhetha kwiindidi ezimbini eziphambili:

1.Imali-mboleko yoBulungisa kwiKhaya: Ibonelela ngesixa-mali esinamaxabiso amiselweyo kunye neentlawulo, ezigqibeleleyo kwiindleko ezicwangcisiweyo, zexesha elinye.
2. I-HELOC (I-Home Equity Line of Credit): Isebenza njengetyala elijikelezayo, elilungele iimfuno zemali eziqhubekayo okanye ezibhetyebhetye.

IiNzuzo zokuFikelela kuBulungisa baseKhaya ngokuBonelwa kweSibini

1. Imali efikelelekayo
- Amazinga enzala asezantsi xa kuthelekiswa nemali-mboleko engakhuselekanga okanye amakhadi okuthenga ngetyala.

2. Gcina iMigaqo yokuBonelwa kwezindlu
-Kuphephe ukubuyisela imali okanye ukuguqula imali obolekwa ngayo ngoku ngelixa ufumana imali.

3. IiKhetho eziLungisayo
- Khetha isakhiwo (imali-mboleko yesixa-mali okanye umgca wetyala) ohambelana neemfuno zakho zemali.

4. Ukuguquguquka ekusebenziseni
- Sebenzisa imali yokuvuselela ikhaya, ukudibanisa amatyala, imfundo, okanye ezinye iindleko ezibalulekileyo.

5. Izinto eziluncedo zeRhafu
- Inzala kwimali-mboleko yesibini esetyenziselwa ukuphuculwa kwekhaya inokutsalwa irhafu (bonana nomcebisi wakho werhafu).

Ukusetyenziswa okuqhelekileyo kwi-Mortgages yesiBini

- Ukuphuculwa kweKhaya
-Phucula ikhitshi lakho, lungisa kwakhona amagumbi okuhlambela, okanye wongeze iinkqubo ezonga amandla.

- Ukudityaniswa kweTyala
- Enza lula amatyala anenzala eninzi abe yintlawulo enye efikelelekayo.

- Iindleko eziNgxamisekileyo
- Ukugubungela amatyala ezonyango, ukulungiswa okungalindelekanga, okanye ezinye iindleko ezingxamisekileyo.

- Utyalo-mali lwezindlu ezithengiswayo
- Sebenzisa i-equity yekhaya lakho ukuthenga iipropati ezongezelelweyo.

Isebenza njani Inkqubo

1. Bala uBulungisa bakho
- Gqiba ukuba bungakanani na ubulungisa owakhe ukuze uqonde amandla akho okuboleka.

2. Faka isicelo se-Second Mortgage
- Ngenisa isicelo esilula kwaye unikezele ngamaxwebhu ayimfuneko emali.

3. Fumana iiNgxowa-mali zakho
- Fikelela kwiimali njengesixa-mali okanye umgca wetyala obhetyebhetye, kuxhomekeke kukhetho olukhethileyo.

4. Buyisela ngokuzithemba
- Ukuzuza kwiintlawulo eziqikelelwayo zenyanga mboleko ezisisigxina okanye imbuyekezo eguquguqukayo yee-HELOCs.

Kutheni Sisebenza Nathi?

Njengombolekisi othembekileyo we-mortgage, sisebenza ngokukodwa ekuncedeni abaninimzi bakhulise ukulingana kwabo. UKhetho lwethu lweSibini lweNdawo yokuThengisa imali yokuFikelela ngokuLingana kweKhaya:
- Amazinga enzala akhuphisanayo alungelelaniswe neprofayile yakho yezemali.
-Amagama aguquguqukayo ukuhlangabezana neemfuno zakho ezizodwa.
- Isikhokelo esivela kwiingcali ezinamava onke amanyathelo endlela.

Vula iXabiso leKhaya lakho namhlanje

NgeeKhetho zethu zeSibini zokuBonelwa kwezindlu zokuFikelela ngokuLingana kweKhaya, ukufezekisa iinjongo zakho zemali akuzange kube lula. Qhagamshelana nathi ngoku ukuze ujonge iinketho zakho kwaye uthathe inyathelo lokuqala ekubhetyebheni kwezemali.

Ukulingana kwekhaya lakho kungaphezulu nje kwenani-sisitshixo sakho kwithuba. Masiyivule kunye!

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