08/16/2023

Ukubuyisela imali-mboleko yendlu, ekwabizwa ngokuba “yi-re-mortgaging,” luhlobo lwenkqubo yemali-mboleko apho abaninimzi banokusebenzisa imali-mboleko entsha ukuhlawula imali mboleko yabo yendlu esele ikho.Abanini-zindlu e-US bahlala bekhetha ukubuyisela imali ukuze bafumane iimeko mboleko ezivumayo, ezinje ngenzala ephantsi okanye imigaqo yokuhlawula elawulekayo.

Ukuxhaswa ngezimali ngokuqhelekileyo kwenziwa kwezi meko zilandelayo:

1. Ukuhla Kwenzala: Ukuba inzala yemarike iyehla, abanini-zindlu basenokukhetha ukuphinda bahlawule ukuze bafumane intlawulo entsha, ephantsi, ukunciphisa iintlawulo zenyanga kunye nexabiso lenzala lilonke.
2. Ukutshintsha ixesha lokuBoleka imali: Ukuba abaninimzi bafuna ukuyihlawula ngokukhawuleza imali-mboleko okanye banciphise iintlawulo zabo zenyanga, basenokukhetha ukuyitshintsha ixesha lokuboleka imali ngokuyibuyisela imali.Umzekelo, ukutshintsha ukusuka kwi-30-year-loan tenure ukuya kwi-15-year tenure, kwaye ngokuphambeneyo.
3. Ukukhutshwa kwe-equity release: Ukuba ixabiso lendlu linyukile, abanini-zindlu banokutsala enye ye-equity yendlu (umahluko phakathi kwexabiso lendlu kunye nemali-mboleko engekahlawulwa) ukuze kuhlangatyezwane nezinye iimfuno zemali, ezinjengokuphuculwa kwendlu okanye iindleko zemfundo; ngokusebenzisa imali ngokutsha.

Uyoyigcina njani imali ngokuBonelwa kwakhona kweMali ye-Mortgage
E-US, ukubuyisela imali kwi-mortgage yindlela abaninimzi abanokugcina imali ngezi ndlela zilandelayo:

1. Ukuthelekisa amaReyithi eNzala: Enye yezona zinto ziluncedo ekuboneleleni ngezimali ngokutsha kukuba nako ukufumana inzala ephantsi.Ukuba umlinganiselo wenzala wemali-mboleko ekhoyo uphezulu kunereyithi yemarike, ukubuyisela imali kwakhona kunokuba yindlela elungileyo yokonga kwiindleko yenzala.Nangona kunjalo, ngaphambi kokuba wenze isigqibo, kufuneka ubale ukuba yimalini onokuthi uyigcine kwaye ingaba oku kudlula iindleko zokubuyisela imali.
2. Ukulungelelanisa ixesha lokuBoleka imali: Ngokwenza mfutshane ixesha lemali-mboleko, unokugcina isixa esibalulekileyo kwintlawulo yenzala.Umzekelo, ukuba utshintsha ukusuka kwiminyaka engama-30 ukuya kwi-15 yeminyaka mboleko, iintlawulo zakho zenyanga zinokunyuka, kodwa inzala epheleleyo oyihlawulayo iya kuncipha kakhulu.
3. Ukususa i-Inshurensi ye-Mortgage yabucala (PMI): Ukuba intlawulo yakho yokuqala kwimali-mboleko yokuqala ibingaphantsi kwe-20%, kungafuneka uhlawule i-inshurensi yokubambisa yabucala.Nangona kunjalo, xa i-equity yendlu yakho ingaphezulu kwe-20%, ukuxhaswa ngemali kwakhona kusenokukunceda ukuba uyisuse le inshurensi, ngaloo ndlela wonge kwiindleko.
4. Inzala eZinzileyo: Ukuba une-Adjustable Rate Mortgage (ARM), kwaye ulindele ukuba izinga lenzala linyuke, unokufuna ukutshintshela kwimali-mboleko esisigxina ngokubuyisela kwakhona, oku kunokukuvalela kwizinga eliphantsi.
5. Ukudityaniswa kweTyala: Ukuba unamatyala anenzala ephezulu njengamatyala ekhadi lokuthenga ngetyala, usenokucinga ukusebenzisa imali evela kwi-refinancing ukuhlawula la matyala.Kodwa khumbula ukuba eli nyathelo liya kuguqula amatyala akho abe yimali yokubambisa;ukuba awukwazi ukwenza intlawulo ngexesha, unokuphulukana nekhaya lakho.

I-AAA LENDINGS ineemveliso ezithile ezilungiselelwe iimfuno zokuxhasa ngemali:

HELOC-Ixesha elifutshane kwi-Home Equity Line yeTyala, luhlobo lwemali-mboleko exhaswa yi-equity yekhaya lakho (umahluko phakathi kwexabiso lemarike yendlu yakho kunye nemali-mboleko yakho engekahlawulwa).AHELOClifana nekhadi lokuthenga ngetyala, elikunika umgca wetyala onokuboleka kuwo njengoko kuyimfuneko, yaye kufuneka uhlawule inzala kuphela kweyona mali uyibolekileyo.

Kuvaliwe Ukuphela Kwesibini (CES)-ekwaziwa ngokuba yimali-mboleko yendlu-mboleko okanye i-equity yendlu, luhlobo lwemali-mboleko apho ikhaya lomboleki lisetyenziswa njengesibambiso kwaye liyindawo yesibini ephambili kwi-original, okanye yokuqala, i-mortgage.Umboleki ufumana isixa-mali sexesha elinye.Ngokungafaniyo ne-aHELOC, evumela ababoleki ukuba bafumane imali njengoko kufuneka ukuya kumgca omiselweyo wetyala, aCESibonelela ngesixa-mali esimiselweyo ekufuneka sihlawulwe ngexesha elimisiweyo ngenzala emiselweyo.

Imigaqo kunye neMiqathango yokuTyelwa kwakhona kweMali
Imigaqo kunye nemiqathango yokubuyisela imali ibaluleke kakhulu kubanini-zindlu njengoko bemisela iindleko ezipheleleyo kunye neenzuzo zokubuyisela kwakho imali.Okokuqala, kufuneka ujonge kwaye uqonde ireyithi yenzala kunye ne-Annual Percentage Rate (APR).I-APR ibandakanya intlawulo yenzala kunye nezinye iindleko ezifana neefizi zemvelaphi.

Okwesibini, ziqhelanise nexesha lemali-mboleko.Imali-mboleko yexesha elifutshane inokuba neentlawulo eziphezulu zenyanga kodwa uya konga ngaphezulu kwinzala.Iimali-mboleko zexesha elide, kwelinye icala, ziya kuba neentlawulo ezisezantsi zenyanga kodwa ixabiso lenzala liphelele linokuba phezulu.Okokugqibela, qonda imirhumo yangaphambili, enjengemirhumo yovavanyo kunye nemirhumo yokulungiselela amaxwebhu, njengoko ezi zinokuqala ukusebenza xa uhlaziya ngokutsha.

Iziphumo zokungagqibekanga kwe-Mortgage
Ukungagqibeki ngumbandela onzulu kwaye kufuneka kuphetshwe ukuba kunokwenzeka.Ukuba awukwazi ukuhlawula imali-mboleko ehlaziyiweyo, unokujongana nezi ziphumo zilandelayo:

1. Ukonakaliswa kweNqaku leTyala: Ukungagqibeki kunokuba nefuthe elibi kumanqaku akho etyala, okuchaphazela izicelo zetyala kwixesha elizayo.
2. Ukuthinjwa: Ukuba uyaqhubeka nokusilela, ibhanki isenokukhetha ukuyivala kwaye ithengise indlu yakho ukuze ibuyise ityala layo.
3. Imiba yezomthetho: Usenokujongana namanyathelo omthetho ngenxa yokusilela.

Lilonke, ukubuyisela imali kwi-mortgage kunokuzisa iinzuzo ezibalulekileyo zezemali kubanini-zindlu kodwa kukwabalulekile ukuqonda imingcipheko kunye noxanduva olubandakanyekayo.Ukwazi ukonga imali, ukuphanda ngokucokisekileyo imigaqo nemiqathango, nokuqonda imiphumo enokubakho yokungathobeli ngundoqo ekwenzeni izigqibo zobulumko.

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.