Uzoba malini uthishomkhulu wami?
Ibala ukuthi ibhalansi yakho eyinhloko izoba yimalini ngemva kwenombolo ethile yeminyaka yokukhokha.
I-mortgage yami izohlala isikhathi esingakanani uma ngikhokha ngaphezulu nyanga zonke?
Ibala ukuthi i-mortgage yakho izohlala isikhathi esingakanani uma wenza izinkokhelo zanyanga zonke ezinkulu kunothishanhloko wanyanga zonke kanye nenzalo.
Isibali senkokhelo enenzalo kuphela
Ibala ukuthi izoba yimalini inkokhelo yakho ye-mortgage nge-mortgage-Inzalo Kuphela
Ngingayithenga indlu ebiza kangakanani?
Ibala ukuthi ungathenga ikhaya elibiza kangakanani ngokusekelwe emalini yakho engenayo yanyanga zonke, isikweletu nezinye izici ezifana nenkokhelo ephansi kanye nezilinganiso zokuboleka.
Yiziphi izinzuzo zentela zokuthenga?
Ilinganisa ukuthi yimalini ozoyonga ezintela lapho uthenga ikhaya.
Ingabe kufanele ngikhokhe amaphuzu?
Ibala ukonga kwakho kwanyanga zonke (okuvela enanini lenzalo eliphansi) kanye nephoyinti lekhefu lezindleko zangaphambili zamaphoyinti akhokhiwe.
Ingakanani imali ozoyizuza?
Ibala ukuthi isamba semali engenayo yakho yanyanga zonke kufanele ibe yini ukuze ufanelekele ikhaya olifunayo.
I-Amortization Calculator
Ibala ukuncishiswa kwenkokhelo ye-mortgage.
Ingabe kufanele ngifake imali kabusha?
Ibala izindleko eziphelele nokonga kokusebenza kwakho kwezimali.
Iyini i-APR yami?
Ibala i-APR yemalimboleko yakho.
Iyini i-APR ye-ARM yami?
Ibala i-APR yemalimboleko yakho ye-ARM.
Ngabe izinkokhelo zami zizoba malini (imalimboleko ye-ARM)?
Ibala ukukhokhwa kwemali mboleko ye-ARM.
Iyiphi imali ebolekiwe engcono?
Iqhathanisa imali ebolekiwe emibili ngapha nangapha (inani eliphelele elikhokhiwe ngemalimboleko ngayinye kubandakanya zonke izindleko).
Okujwayelekile vs. Kabili ngamaviki
Ibala ukonga kwakho ngenzalo ekhokhiwe kanye nobude bemalimboleko yakho uma ubuzokhokha kabili ngeviki uma kuqhathaniswa nezinkokhelo zanyanga zonke.
Qasha vs. Thenga Isibali
Ibala uma ungcono ekuthengeni ikhaya, noma uma kufanele uqhubeke nokuqasha.
Umshwana wokuzihlangula
Ulwazi nezibali ezisebenzisanayo zenziwa zitholakale kuwe njengamathuluzi okuzisiza ukuze uzisebenzise ngokuzimele futhi azihloselwe ukunikeza iseluleko sokutshala izimali. Asikwazi futhi asiqinisekisi ukusebenza kwazo noma ukunemba kwazo maqondana nezimo zakho ngazinye. Zonke izibonelo ziwumcabango futhi ezezinjongo zokubonisa. Sikukhuthaza ukuthi ufune izeluleko zomuntu siqu kochwepheshe abaqeqeshiwe mayelana nazo zonke izinkinga zezimali zomuntu siqu.