11/21/2023

Intshayelelo

Ukuba ngumninimzi linyathelo elimnandi, ngakumbi kubathengi bokuqala.Ukufumana imali-mboleko yendlu linyathelo elibalulekileyo kolu hambo, kwaye ukuqonda inkqubo kunokwandisa kakhulu amathuba akho okufumana imvume.Kwesi sikhokelo sibanzi, siza kuphonononga amacebo asebenzayo endlela yokuvunywa kwimali-mboleko yendlu njengomthengi wokuqala, sibonelela ngeembono kunye neengcebiso zokujonga inkqubo yesicelo semali mboleko ngempumelelo.

1. Qonda iMeko yakho yezeMali

Ngaphambi kokuba ungene kwinkqubo yesicelo semali mboleko yendlu, jonga ngokubanzi imeko yakho yezemali.Vavanya amanqaku akho okuthenga ngetyala, uvavanye umlinganiselo wetyala lakho ukuya kwingeniso, kwaye ubone ukuba yimalini na onokuyifumana njengentlawulo yenyanga yokubambisa.Ukuqonda imeko yakho yezemali kubalulekile ekwenzeni izigqibo ezizizo ngexesha lokuthenga ikhaya.

2. Jonga iNgxelo yakho yeTyala

Amanqaku akho etyala adlala indima ebalulekileyo kwinkqubo yokuvunywa kwe-mortgage.Fumana ikopi yengxelo yakho yetyala kwaye uyiphonononge ngazo naziphi na iimpazamo okanye ukungangqinelani.Ukujongana nokungachaneki kunye nokusebenzela ukuphucula amanqaku akho etyala, ukuba kuyimfuneko, kunokuba nefuthe elifanelekileyo kwilungelo lakho lokuboleka imali kunye nemiqathango onokuthi uyifanelekele.

3. Gcina iNtlawulo ePhantsi

Ngelixa ezinye iinkqubo zemboleko zibonelela ngeendlela zokufumana iintlawulo eziphantsi, ukuba nentlawulo ephantsi kunosomeleza isicelo sakho semali-mboleko.Yonga ngenkuthalo intlawulo ephantsi, ucinga ukuba intlawulo enkulu yangaphambili inokwandisa amathuba akho okufumana imvume yemali-mboleko kwaye kukhokelela kwimibandela yemali-mboleko evumayo.

4. Fumana uKuvunywe kwangaphambili

Ngaphambi kokuzingela indlu, cinga ngokuvunywa kwangaphambili kwi-mortgage.Imvume yangaphambili ayibonisi kuphela kubathengisi ukuba ungumthengi ozimiseleyo kodwa ikwabonelela ngokuqonda okucacileyo kohlahlo lwabiwo-mali lwakho.Sebenza kunye nombolekisi we-mortgage ukugqiba inkqubo yokuvunywa kwangaphambili, okubandakanya ukuphononongwa kwamaxwebhu akho emali.

5. IiNdlela zoPhando lweMali-mboleko

Jonga iindlela ezahlukeneyo zokubolekwa kwemali ezifumanekayo kubathengi bokuqala.Iimali-mboleko ezixhaswa ngurhulumente, ezinje nge-FHA okanye i-VA mboleko, zihlala zineemfuno ezithe kratya zokufaneleka.Phanda kwaye uthelekise iinkqubo mboleko ukuze ufumane eyona ihambelana kakuhle nemeko yakho yezemali kunye neenjongo zobunini bezindlu.

6. Yomeleza uzinzo lwezeNgqesho

Ababolekisi bakhetha ababoleki abanembali yengqesho ezinzileyo.Gcina ingqesho engaguqukiyo okanye, ukuba kunokwenzeka, ufumane umsebenzi okhuselekileyo phambi kokuba wenze isicelo semali mboleko yendlu.Imbali yomsebenzi ezinzileyo inokuphucula ukuthembeka kwakho njengomboleki kwaye yandise amathuba okuvunywa kwemboleko-mali.

7. Nciphisa iTyala eliNgaphantsi

Ukunciphisa amatyala angekahlawulwa kunokuphucula umlinganiselo wetyala lakho ukuya kwingeniso, eyona nto ibalulekileyo kwinkqubo yokuvunywa kwe-mortgage.Hlawula iibhalansi zekhadi letyala kwaye ucinge ngokudibanisa amatyala anenzala ephezulu ukuze ubonise umfanekiso wemali oncomekayo kubabolekisi.

8. Sebenza neeNgcali ezinamava

Zibandakanye neengcali ezinamava kunye nabacebisi ngezezindlu ezithengiswayo.Funa iingcebiso, funda uphononongo, kwaye ukhethe iingcali ezinokukukhokela kwiingxaki zokuthenga ikhaya kunye nenkqubo yokuvunywa kwemboleko-mali.Ubungcali babo bunokuba luncedo ekuqinisekiseni amava agudileyo.

9. Zilungiselele Iindleko zokuvala

Ukongeza kwintlawulo ephantsi, zilungiselele iindleko zokuvala ezinxulumene nokuthenga ikhaya.Ukuqonda kunye nohlahlo lwabiwo-mali lwezi ndleko kwangaphambili kuya kuthintela uxinzelelo lwezemali lomzuzu wokugqibela kwaye ubonise kubabolekisi ukuba ulungiselele imali yokuba ngumninimzi.

10. Hlala unolwazi kwaye ubuze imibuzo

Inkqubo yesicelo se-mortgage inokuba nzima, ngakumbi kubathengi bokuqala.Hlala unolwazi malunga neendlela zamva nje, inzala, kunye notshintsho kwimarike yezindlu.Ungalibazisi ukubuza imibuzo kuyo yonke inkqubo ukuqinisekisa ukuba uliqonda ngokupheleleyo inyathelo ngalinye kunye nemigaqo yemali mboleko yakho.

Ukuqukumbela

Ukuvunywa kwimali mboleko yendlu njengomthengi oqalayo kubandakanya ukucwangcisa ngononophelo, inkuthalo yezemali, kunye nendlela yokuqalisa.Ngokuqonda imeko yakho yezemali, ukuphucula ikhredithi yakho, ukujonga iindlela zokuboleka imali, kunye nokusebenza neengcali, unokwandisa amathuba akho okufumana imali-mboleko ehambelana neenjongo zakho zobunini-khaya.Khumbula, oyena ndoqo kukuba nomonde, uhlale unolwazi, kwaye uthathe amanyathelo ngabom kwiphupha lakho lokuba ngumninikhaya.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.