11/21/2023

Intshayelelo

Ukufumana imvume yokubambisa linyathelo elibalulekileyo kuhambo oluya kubunini-khaya.Nokuba ungumthengi wokuqala okanye unamava kwimarike yezindlu nezindlu, ukuqonda ubucukubhede benkqubo yolwamkelo kubalulekile.Kwesi sikhokelo, siza kugocagoca kwizicwangciso ezisebenzayo kunye nokuqonda malunga nendlela yokufumana imvume yokuboleka imali, sikubonelela ngemephu yendlela yokuhamba kweli nqanaba libalulekileyo lezemali.

1. Yazi iMeko yakho yezeMali

Ngaphambi kokuba uqalise inkqubo yokuvunywa kwe-mortgage, yenza uhlolo olubanzi lwemeko yakho yezemali.Qwalasela amanqaku akho etyala, uvavanye umlinganiselo wetyala lakho ukuya kwingeniso, kwaye ube nokuqonda okucacileyo kweenjongo zakho zemali.Ukwazi ukuba umi phi na ngokwasezimalini kubeka isiseko sesicelo semali-mboleko esiyimpumelelo.

2. Pholisha iProfayile yakho yeTyala

Amanqaku akho ekhredithi yeyona nto iphambili ekuvunyweni kwe-mortgage.Hlola ingxelo yakho yekhredithi ngokuchaneka kwaye usebenze ekuphuculeni amanqaku akho ukuba kuyimfuneko.Ukuhlawula amatyala angekahlawulwa kunye nokujongana nakuphi na ukungangqinelani kunokuba nefuthe elihle kwiprofayili yakho yetyala, kwandise amathuba akho okufumana imvume kunye nenzala efanelekileyo.

3. Ukwakha iPotfoliyo yezeMali eyomeleleyo

Ababolekisi baphonononga ipotfoliyo yakho yezemali xa behlola izicelo zokubambisa.Yomeleza isikhundla sakho ngokubonisa ingqesho ezinzileyo, umvuzo ongaguqukiyo, kunye nembali eyomeleleyo yokonga.Ipotifoliyo yezemali eqingqwe kakuhle yongeza ukuthembeka kwakho njengomboleki.

4. Qonda iiNdlela zakho zokuboleka imali

Phanda kwaye uqonde iindlela ezahlukeneyo zokubolekwa kwezindlu ezikhoyo.Nokuba yimali-mboleko yesiqhelo, mboleko ye-FHA, okanye i-VA, nganye iza neseti yayo yeemfuno.Lungisa indlela yakho ngokusekwe kwimali-mboleko ehambelana kakuhle nemeko yakho yezemali kunye neenjongo zobunini bezindlu.

5. Fumana uKuvunywe kwangaphambili

Ngaphambi kokuntywila kwinkqubo yokuzingela indlu, funa imvume yangaphambili ye-mortgage.Oku akukuboneleli kuphela ngebhajethi ecacileyo kodwa ikwabonisa nabathengisi ukuba ungumthengi ozimiseleyo noqeqeshiweyo.Sebenza ngokusondeleyo kunye nombolekisi we-mortgage ukugqiba inkqubo yokuvunywa kwangaphambili.

6. Gcina iNtlawulo eNcinci

Wngelixa ezinye iimali-mboleko zivumela intlawulo ephantsi, ukuba nentlawulo ephantsi kakhulu kuyasomeleza isicelo sakho.Gcina ngenkuthalo intlawulo ephantsi, ucinga ukuba intlawulo enkulu yangaphambili inokubangela imiqathango engcono yemali-mboleko kunye nokwandisa amathuba okuvunywa.

7. Ukujongana naMatyala Angekahlawulwa

Nciphisa amatyala angekahlawulwa ukuze uphucule umlinganiselo wetyala lakho ukuya kwingeniso.Hlawula iibhalansi zekhadi letyala kwaye ucinge ngokudibanisa amatyala anenzala ephezulu.A hIprofayile yetyala lakho ikwenza ube ngumboleki onomtsalane kwaye iphucula ithemba lakho lemvume yokubambisa.

8. Zinzise iNgqesho Yakho

Ababolekisi bayayixabisa imbali yengqesho ezinzileyo.Injongo kukugcina umsebenzi ongaguqukiyo okanye umsebenzi okhuselekileyo ngaphambi kokufaka isicelo semali-mboleko.Irekhodi yengqesho ethembekileyo yongeza ukuthembeka kwisicelo sakho.

9. Zibandakanye neeNgcali zoLwazi

Sebenzisana kunye neengcali ezinamava kunye nabacebisi ngezemali mboleko.Ubungcali babo bunokukukhokela kwiingxaki zenkqubo yokuvunywa kwe-mortgage.Funa iingcebiso, funda uphononongo, kwaye ukhethe iingcali eziyiqondayo imeko yakho yemali eyodwa.

10. Hlala unolwazi kwaye ukhuthale

Zigcine unolwazi malunga neentsingiselo zemarike, inzala, kunye notshintsho kwimo yokuthenga izindlu.Yiba nomdla wokuqonda imiqathango yemali mboleko yakho kwaye ungathandabuzi ukufuna ingcaciso.Ulwazi sisixhobo esinamandla sokufumana imvume yokubambisa.

Ukuqukumbela

Ukufumana imvume yokubolekwa kwezindlu bubugcisa obudibanisa ulwazi lwezemali, ucwangciso lobuchule, kunye nokwenziwa kwezigqibo okukhawulezileyo.Ngokuqonda imeko yakho yezemali, ukupolisha iprofayile yakho yetyala, kunye nokusebenza ngokusondeleyo neengcali, unokujonga inkqubo yokwamkelwa ngokuzithemba.Khumbula, inyathelo ngalinye olithathayo likusondeza ekuvuleni ucango lwekhaya lamaphupha akho.

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.