11/15/2023

Lapho ucwaninga emkhakheni wokukhipha imali kabusha, ukuqonda umqondo "wesinongo sokukhipha imali" kanye nezimfuneko ezihambisana nakho kuba okubalulekile.Lo mhlahlandlela uhlose ukwembula ubunkimbinkimbi be-cash-out seasoning, ukuhlola incazelo yayo, ukubaluleka, kanye nezimfuneko ezibalulekile ezibekwa ababolekisi.

Ukuchaza Isikhathi Sokukhipha Imali

I-Cash-out seasoning ibhekisela esikhathini umnikazi wendlu okudingeka ngaso ukuba asilinde phakathi kokuthenga ikhaya kokuqala noma ukukhokhelwa kabusha kanye nokukhipha imali kabusha okulandelayo.Lesi sikhathi sokulinda siyisinyathelo sokunciphisa ubungozi kubabolekisi, siqinisekisa ukuthi obolekayo unomlando wokukhokha ozinzile kanye nenani elanele ngaphambi kokufinyelela izimali ezengeziwe.

Ukubaluleka Kwezinkathi Zokukhipha Imali

Isikhathi sokukhipha imali sifeza izinhloso eziningi, okuhlanganisa:

1. Ukunciphisa Ubungozi: Ababolekisi basebenzisa izimfuneko zesinongo ukuze banciphise ubungozi obuhlobene nezimali ezikhishwa ngemali.Isikhathi sokulinda sibavumela ukuthi bahlole ukuziphatha komboleki nokuqina kwenani lempahla.
2. Ukuqinisekisa Ukulingana: Izikhathi zokulinda zisiza ukuqinisekisa ukuthi indawo iye yaziswa ngenani, futhi umboleki uzakhele ukulingana okwanele.Lokhu kuqinisekisa isilinganiso esivikeleke kakhulu semalimboleko nenani.
3. Ukuhlolwa Komlando Wokukhokha: Ababolekisi basebenzisa isikhathi sesizini ukuze bahlole umlando wokukhokha womboleki.Izinkokhelo ezingaguquki nangesikhathi zithuthukisa ukufaneleka komboleki.

Izidingo Zesizini Yokukhipha Imali: Izinto Ezibalulekile

1. Uhlobo Lwemalimboleko

Uhlobo lwemalimboleko umboleki alunikeza kabusha ngezimali ludlala indima ebalulekile.Ngemalimboleko evamile, imfuneko evamile yesinongo yizinyanga eziyisithupha, kuyilapho imali ebolekiwe ye-FHA ivamise ukuba nenkathi yezinyanga eziyi-12.

2. Umphumela Wesikweletu

Ababolekayo abanamaphuzu esikweletu aphezulu bangase babe ngaphansi kwezikhathi ezimfushane zesizini, njengoba ukufaneleka kwabo kwekhredithi sekuvele kumisiwe.

3. Isimo Sokuhlala

Isimo sokuhlala kwesakhiwo - kungakhathaliseki ukuthi indawo yokuhlala eyinhloko, ikhaya lesibili, noma indawo yokutshala izimali - singathonya izidingo zesinongo.Izindlu zokuhlala eziyinhloko ngokuvamile zinezidingo ezithambile zesinongo.

4. Isilinganiso sokubolekwa kwemali-kuya-Value (LTV).

Ababolekisi bangase bacabangele isilinganiso semalimboleko-inani lapho benquma izidingo zesinongo.Isilinganiso esiphansi se-LTV singase sibangele isikhathi esifushane sesinongo.

5. Umlando Wokukhokha

Umlando wokukhokha ongaguquki futhi omuhle ngesikhathi sokuqala semalimboleko ungase ube nomthelela esimisweni esivumelana nezimo.

Ukuzulazula Isikhathi Sokukhipha Imali: Amathiphu Kubaboleki

1. Qonda Izinqubomgomo Zokuboleka

Ababolekisi abahlukene bangase babe nezidingo ezihlukahlukene zesinongo.Ukuqonda izinqubomgomo zalabo abangaba ababolekisi kubalulekile lapho uhlela ukukhishwa kwezimali kabusha.

2. Thuthukisa Ukufaneleka Kwesikweletu

Ukuthuthukisa isikolo sakho sesikweletu kungaba nomthelela omuhle ezidingweni zesinongo.Gxila ekwenzeni izinkokhelo ngesikhathi kanye nokubhekana nanoma yiziphi izinkinga embikweni wakho wesikweletu.

3. Linganisa Ukulingana Kwezakhiwo

Qinisekisa ukuthi indawo yakho iye yaziswa ngenani, inikela esilinganisweni esivumayo semalimboleko nenani.Lokhu kungase kuholele ezidingweni zesinongo ezithambile.

4. Xhumana Nezisebenzi Zokubolekwa Kwezindlu

Xhumana nochwepheshe bezezindlu ukuze uthole imininingwane mayelana nezidingo zonyaka ezingase zibe khona ngokusekelwe esimweni sakho sezezimali kanye nemigomo.

Isiphetho: Ukwenziwa Kwezinqumo Okunolwazi Ngokukhipha Kabusha Ngezimali

Njengoba ucabanga ngokukhipha imali kabusha, ukuzulazula esimweni sezidingo zesinongo kuyisici esibalulekile senqubo yokwenza izinqumo.Ngokuqonda izici ezithonya isinongo sokukhishwa kwemali, ukuhlola izimo zakho ezihlukile, nokusebenzisana eduze nochwepheshe bezindlu ezibolekiwe abanolwazi, ungakwazi ukuzibeka ethubeni lokuthola ulwazi oluphumelelayo nolungenazihibe lwe-refinance refinance.Khumbula ukuthi isimo ngasinye sokubolekisa sihlukile, futhi ukulungisa indlela yakho ukuze ihlangabezane nezidingo ezithile zababolekisi kuzofaka isandla emphumeleni ongcono kakhulu ohambweni lwakho lokukhipha imali kabusha.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.