10/25/2023

Ngaba ukwimarike yomboleki-mali kodwa uzifumane ukwimeko ekhethekileyo yezemali?Mhlawumbi uye wafumana igama elithi "imali mboleko yemali mboleko yemali enzima."Kwesi sikhokelo sibanzi, siza kuphonononga ins kunye nokuphuma kwemali-mboleko yemali-mboleko kunye nababolekisi bezindlu ukuze bakuncede uqonde ukuba olu khetho luyazifanela na iimfuno zakho.

Ukuqonda ababolekisi be-Mortgage
Phambi kokuba uphonononge ubucukubhede bemali mboleko yemali enzima, kubalulekile ukuba ubambe ingqikelelo yababolekisi bezindlu.Umbolekisi wemali-mboleko liqumrhu, elifana nebhanki, imanyano yamatyala, okanye iziko labucala, elibonelela ngemali yokuthenga izindlu nomhlaba ngokuboleka imali kubathengi.Ukutshintshiselana, ababoleki bazibophelele ekubuyiseleni imali-mboleko ngexesha elichaziweyo, kuquka inzala.

I-Mortgage yesiNtu
Olona hlobo luxhaphakileyo lwemali-mboleko yimali-mboleko yemveli, apho ababoleki bahlala befuna ukuhlangabezana nemboleko engqongqo kunye neemfuno zengeniso.Ababolekisi bezindlu zemveli bavavanya ukufaneleka kwetyala, imbali yengqesho, kunye nokuzinza kwezemali ukufumanisa ukufaneleka.Ezi mboleko zidla ngokunikezela ngemibandela efanelekileyo, inzala ephantsi, kunye namaxesha amade okuhlawula.

Ngena abaBolekisi beMali-mboleko yeMali eNzima
Ababolekisi bemali-mboleko yemali-mboleko yemali enzima, kwelinye icala, luhlobo olulodwa phakathi kweshishini le-mortgage.Bajongana nababoleki abanokungafikeleli imilinganiselo eqhelekileyo yokuboleka imali.Imali-mboleko yemali enzima idla ngokufunwa ngabatyali-mali bezindlu, abantu abanamatyala aphantsi, okanye abo bafuna izicombululo ezikhawulezayo nezibhetyebhetye zenkxaso-mali.

Iziseko zeMali mboleko yeMali eNzima
Imali-mboleko yemali enzima lixesha elifutshane, iimali-mboleko ezisekelwe kwi-asethi ezikhuselwe yi-real estate.Zijongwa njengesigqibo sokugqibela kubaboleki abathe bagqiba iindlela zokubolekisa ngemali yemveli ngenxa yetyala elibi, ingeniso enganelanga, okanye imfuno yokuvalwa ngokukhawuleza.Ezi mboleko zidla ngokubonelelwa ngabantu babucala okanye amaziko amancinci abolekisa ngemali.

Iimpawu eziphambili zeeMali-mboleko zeMali eNzima
Isibambiso-Sisekwe: Imali-mboleko yemali enzima isekelwe ikakhulu kwixabiso lepropati ethengiweyo okanye esetyenziswa njengesibambiso.Ababolekisi abakhathali kangako ngembali yetyala lomboleki.

Ukuvunywa okuKhawuleza: Imali mboleko yemveli inokuthatha iiveki okanye iinyanga ukuba iqhubeke.Ngokwahlukileyo, imali mboleko yemali enzima inokuvunywa kwaye ixhaswe ngeentsuku ezimbalwa, ibenze ibe lolona khetho lufanelekileyo kwintengiselwano ye-real estate ethatha ixesha.

Ixesha elifutshane: Imali mboleko yemali enzima ihlala inemiqathango emifutshane yokuhlawula, eqala ukusuka kwiinyanga ezintandathu ukuya kwiminyaka embalwa.Ababoleki kulindeleke ukuba bayibuyise imali-mboleko ngesixa-mali, bathengise ipropati, okanye baphinde bahlawule ngaphambi kokuba ixesha lemali-mboleko liphele.

Inzala ePhakamileyo: Ukubuyekeza umngcipheko owonyukileyo, ababolekisi bemali enzima babiza inzala ephezulu xa kuthelekiswa nababolekisi bemveli.Amaxabiso angohluka kakhulu, kodwa ayiqhelekanga ukubona inzala enamanani amabini.

Ukuba bhetyebhetye: Ababolekisi bemali enzima babhetyebhetye ngakumbi xa kufikwa kwimigaqo yemali-mboleko kunye nemigangatho yemfundo, oko kubenza bafanelekele ababoleki abanokungafikeleli iimfuno eziqhelekileyo zokuboleka.

Ngaba uMboleki weMali-mboleko yeMali eNzima iKufanela?
Nokuba umbolekisi wemali mboleko yemali mboleko lukhetho olufanelekileyo kuwe kuxhomekeke kwiimeko zakho zemali kunye neenjongo.Nazi ezinye iimeko apho imali-mboleko yemali enzima inokuba lukhetho olufanelekileyo:

1. IMbali yeTyala elilambathayo
Ukuba unamanqaku asezantsi etyala okanye imbali yobunzima bezemali, ababolekisi bemveli banokusikhaba isicelo sakho sokubambisa.Kwiimeko ezinjalo, umbolekisi wemali-mboleko yemali enzima unokuvuma ukungayihoyi amanqaku akho kwaye agxininise kwixabiso lepropati.

2. Utyalo-mali lwe-Real Estate
Abatyali bezindlu badla ngokubhenela kwiimali-mboleko zemali ukuze baxhakamfule amathuba ngokukhawuleza.Xa isivumelwano sengeniso sifika ngendlela yakho, imali-mboleko yemali enzima inokubonelela ngemali efunekayo ukuze ukhusele ipropati ngaphambi kokuba omnye umntu enze.

3. Inkxaso-mali yexesha elifutshane
Ukuba ufuna kuphela inkxaso-mali ixesha elifutshane, njengaxa uguqulela ipropati, imali-mboleko yemali enzima kunye nemvume ekhawulezileyo kunye nendalo yexesha elifutshane inokuba yinto efanelekileyo kwiimfuno zakho.

4. Ipropati eyodwa okanye iMeko
Ngamanye amaxesha, ababoleki bafuna inkxaso-mali yeepropathi okanye iimeko ababolekisi bemveli abazijonga njengengozi enkulu okanye engaqhelekanga.Ababolekisi bemali enzima bazimisele ngakumbi ukusebenzisana namatyala awodwa.

5. Ukunqongophala kwamaxwebhu
Ukuba awukwazi ukubonelela ngamaxwebhu abanzi afunwa ngokuqhelekileyo ngababolekisi bemveli, imali-mboleko yemali enzima inokuba sisisombululo, njengoko aba babolekisi bahlala benomdla kwipropati ngokwayo.

Ukukhetha umbolekisi we-mortgage sisigqibo esibalulekileyo esinempembelelo enkulu yemali.Nokuba umbolekisi wemali-mboleko yemali-mboleko yemali enzima ikulungele na kuxhomekeke kwiimeko zakho kunye neenjongo.Ngaphambi kokuba wenze isigqibo, livavanye ngenyameko ityala lakho, uhlobo lwentengiselwano yakho yezindlu nomhlaba, kunye nokukwazi kwakho ukuyibuyisela imali oyibolekiweyo.Ukubonisana nomcebisi wezezimali okanye ingcali ye-mortgage kusoloko kucetyiswa ukuqinisekisa ukuba wenza ukhetho olunolwazi.Kwezinye iimeko, umbolekisi wemali-mboleko yemali-mboleko yemali-mboleko inokuba ngumgca wokuphila owudingayo ukuze ufezekise iinjongo zakho zezindlu, kodwa kubalulekile ukuvavanya izibonelelo malunga neendleko eziphezulu kunye namagama amafutshane.

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.