11/15/2023

Xa uqalisa uhambo lobunini-khaya okanye lokuxhasa ngemali, omnye wemibuzo ebalulekileyo ovelayo ngulo, “Leliphi elona xabiso lilungileyo lemali-mboleko yendlu emiselweyo?”Esi sikhokelo sibanzi sijolise ekunciphiseni ingqikelelo yemilinganiselo yemali-mboleko esisigxina, ukuphonononga izinto eziphembelela ukuzimisela kwabo, kunye nokubonelela ngeembono zokukunceda ujonge imeko yendlela yokuboleka imali.

Ukuqonda Amaxabiso e-Mortgage eZinzileyo

Inkcazo kunye nokuzinza

Ixabiso lemali-mboleko esisigxina libhekiselele kwinzala ehlala ihleli injalo ngalo lonke ixesha lemali-mboleko.Ngokungafaniyo nohlengahlengiso lwemali yokubambisa (ii-ARM), apho amaxabiso anokuthi atshintshe, amaxabiso amiselweyo anika uzinzo kunye nokuqikelelwa kwiintlawulo zenyanga.Oku kubenza babe lukhetho oludumileyo phakathi kwabathengi bamakhaya abafuna ukuzinikela okungaguqukiyo nokulawulekayo ngokwezemali.

Izinto eziPhembelela iiReyithi eziZinzileyo

1. IiMeko zezoQoqosho: Ubume bezoqoqosho bubonke, kubandakanywa amazinga okunyuka kwamaxabiso kunye namanqanaba engqesho, anokuba nefuthe kwimilinganiselo emiselweyo yemali-mboleko.Ngamaxesha okukhula koqoqosho, amazinga anganyuka, ngelixa ukudodobala koqoqosho kusenokubona ukuhla.
2. Ukukwazi ukuthenga ngetyala: Ukukwazi ukuthenga ngetyala umntu ngamnye kudlala indima ebalulekileyo ekumiseleni inzala enikwa lowo ubolekayo.Abo banamanqaku aphezulu etyala bahlala befaneleka ukufumana amaxabiso alungileyo.
3. IiNdlela zeMarike: Amaxabiso emali-mboleko achatshazelwa ziintsingiselo zemarike ngokubanzi, kuquka neentshukumo kwimarike yebhondi.Utshintsho kwimveliso kwiibhondi zikarhulumente lunokuba nefuthe elibi kwimilinganiselo yemali-mboleko esisigxina.
4. Ixesha lemali-mboleko: Ixesha lemali-mboleko, elifana ne-15, 20, okanye iminyaka engama-30, linokuba nefuthe kwizinga lenzala.Ngokubanzi, imali-mboleko yexesha elifutshane inokuba namaxabiso aphantsi, kodwa iintlawulo zenyanga zinokuba phezulu.

Ukufuna elona xabiso lilungileyo lokubolekwa kwezindlu: Amaqhinga angundoqo

1. Uphando kunye nothelekiso

Yenza uphando olucokisekileyo ukuqonda amazinga akhoyo emali-mboleko esisigxina ekhoyo kwimarike.Sebenzisa izixhobo ze-intanethi, qhagamshelana nababolekisi, kwaye uthelekise amaxabiso kuwo onke amaziko emali awahlukeneyo.

2. Ukuphucula iNqaku leTyala

Ukuphucula amanqaku akho etyala kunokuvula iingcango kumazinga alungileyo emali-mboleko esisigxina.Beka phambili iintlawulo ngexesha, unciphise amatyala angekahlawulwa, kwaye ulungise nakuphi na ukungachaneki kwingxelo yakho yetyala.

3. Vavanya iMigaqo yeMali-mboleko

Qwalasela urhwebo phakathi kwemiqathango eyahlukeneyo yemali-mboleko.Ngelixa amagama amafutshane anokubonelela ngeereyithi ezisezantsi, amagama amade anikezela ukuguquguquka okwandisiweyo kwentlawulo.Khetha igama elihambelana neenjongo zakho zemali.

4. Phonononga iiKhetho zoMboleki

Zibandakanye nababolekisi abahlukeneyo ukuze bajonge amaxabiso emali-mboleko amiselweyo abawanikezelayo.Ababolekisi abahlukeneyo banokuba nolwakhiwo lweereyithi ezizodwa kunye nemigaqo, ekuvumela ukuba ukhethe ukhetho oluhambelana nezinto ozikhethayo.

Ukucacisa iNgcaciso “yeyona iNgcono” iReyithi yeMali-mboleko eZinzileyo

1. Indalo Yomntu Ngamnye

Ingqikelelo “yeyona nto ilungileyo” yexabiso lemali-mboleko esisigxina yenziwa ngumntu ngamnye.Into enokuba yinto efanelekileyo komnye umboleki isenokungafani komnye.Qwalasela imeko yakho yezemali, ukunyamezela umngcipheko, kunye neenjongo zexesha elide.

2. Iingqwalasela zeRayithi-Tshixo

Amaxabiso emali-mboleko angatshintsha yonke imihla.Xa ufumana ireyithi ehambelana neenjongo zakho, cinga ngokuyitshixa. Izitshixo zexabiso zibonelela ngokhuseleko ekunyukeni komyinge onokwenzeka phambi kokuba kuvalwe.

3. UVavanyo lweeNdleko lulonke

Kunokuba ugxile kuphela kumlinganiselo wenzala, hlola ixabiso lilonke lemali-mboleko.Oku kuquka imirhumo, iindleko zokuvala, kunye naziphi na iindleko ezongezelelweyo ezinxulumene ne-mortgage.Izinga lenzala elisezantsi lisenokungalingani nokuthoba iindleko zizonke.

Isiphelo: Ukujongisisa kwiNdawo yeeRhafu eziZinzileyo zokubolekwa kwezindlu

Kukhangelo lwelona zinga lemali-mboleko elimisiweyo, kubalulekile ukujongana nesigqibo ngendibaniselwano yophando, ulwazi lwemali, kunye nokuqonda ngokucacileyo iimeko zakho ezizodwa.Imilinganiselo yemali-mboleko esisigxina inika uzinzo kunye nokuqikelelwa, ibenza ibe yindlela ekhangayo kubathengi abaninzi bezindlu.Ngokusebenzisa amacebo achaziweyo kunye nokwamkela ubume besigqibo somntu ngamnye, unokujonga kumhlaba wamaxabiso emali-mboleko esisigxina ngokuzithemba, ekugqibeleni ufumane ireyithi ehambelana ngokungenamthungo nobunini bendlu yakho okanye iminqweno yokuxhasa ngemali kwakhona.

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.