11/21/2023

Isingeniso

Ukuba umnikazi womuzi kuyingqopha-mlando ethokozisayo, ikakhulukazi kubathengi bokuqala.Ukuthola imali ebolekiwe kuyisinyathelo esibalulekile kulolu hambo, futhi ukuqonda inqubo kungawandisa kakhulu amathuba akho okugunyazwa.Kulo mhlahlandlela obanzi, sizohlola amasu asebenzayo okuthi ungagunyazwa kanjani imali mboleko yendlu njengomthengi oqala ngqa, sinikeze imininingwane namathiphu okuzulazula ngempumelelo yesicelo semali mboleko.

1. Qonda Isimo Sakho Sezezimali

Ngaphambi kokungena ohlelweni lokufaka isicelo semali mboleko yezindlu, bheka kabanzi isimo sakho sezezimali.Linganisa isikolo sakho sesikweletu, uhlole isilinganiso sakho sesikweletu nemali engenayo, futhi unqume ukuthi yimalini ongakwazi ukuyikhokhela ngokweqiniso njengenkokhelo ye-mortgage yanyanga zonke.Ukuqonda ukuma kwakho kwezezimali kubalulekile ekwenzeni izinqumo ezinolwazi kuyo yonke inqubo yokuthenga ikhaya.

2. Hlola Umbiko Wakho Wesikweletu

Isikolo sakho sesikweletu sidlala indima ebalulekile enqubweni yokugunyaza i-mortgage.Thola ikhophi yombiko wakho wesikweletu futhi uwubuyekeze nganoma yimaphi amaphutha noma ukungezwani.Ukubhekana nokunemba kanye nokusebenzela ukuthuthukisa amaphuzu akho esikweletu, uma kunesidingo, kungaba nomthelela omuhle ekufanelekeni kwakho kwesikweletu kanye nemibandela ongayifanelekela.

3. Yongela Inkokhelo Ephansi

Nakuba ezinye izinhlelo zokubolekwa imali zinikeza izinketho zokukhokha kancane, ukuba nenkokhelo ephansi eningi kungaqinisa isicelo sakho semalimboleko.Yonga ngenkuthalo ukuze uthole inkokhelo ephansi, ucabangela ukuthi inkokhelo enkulu yangaphambili ingase ikhulise amathuba akho okugunyaza imali mboleko futhi kuphumele emimoyeni evumayo yemalimboleko.

4. Thola Ukugunyazwa Ngaphambili

Ngaphambi kokuzingela indlu, cabanga ngokugunyazwa kusengaphambili nge-mortgage.Ukugunyazwa kwangaphambili akubonisi nje kuphela kubathengisi ukuthi ungumthengi oqotho kodwa futhi kukuhlinzeka ngokuqonda okucacile kwesabelomali sakho.Sebenza nomabolekisi wezindlu ukuze uqedele inqubo yokugunyaza kusengaphambili, okuhilela ukubuyekezwa kwamadokhumenti akho ezezimali.

5. Izinketho Zokucwaninga Ngemalimboleko

Hlola izinketho ezahlukene zemalimboleko ezitholakalayo kubathengi bokuqala.Izimali mboleko ezisekelwa uhulumeni, njengemalimboleko ye-FHA noma i-VA, ngokuvamile zinezidingo ezithambile zokufaneleka.Cwaninga futhi uqhathanise izinhlelo zokubolekwa imali ukuze uthole leyo eqondana kangcono nesimo sakho sezezimali kanye nemigomo yokuba umninikhaya.

6. Qinisa Ukuzinza Emsebenzini

Ababolekisi bakhetha ababoleki abanomlando oqinile wokuqashwa.Gcina umsebenzi ongashintshi noma, uma kungenzeka, uthole umsebenzi ngaphambi kokufaka isicelo semali mboleko yomuzi.Umlando womsebenzi ozinzile ungathuthukisa ukwethembeka kwakho njengomboleki futhi ukwandise amathuba okugunyazwa kwemali mboleko.

7. Nciphisa Izikweletu Ezisele

Ukunciphisa izikweletu ezisele kungathuthukisa isilinganiso sakho semali engenayo, okuyisici esibalulekile enqubweni yokugunyaza i-mortgage.Khokhela phansi ibhalansi yekhadi lesikweletu futhi ucabange ukuhlanganisa izikweletu ezinenzalo ephezulu ukuze uveze isithombe esihle kakhulu sezezimali kubabolekisi.

8. Sebenzisana Nochwepheshe Abanolwazi

Xhumana nochwepheshe abanolwazi lwezindlu ezithengiswayo kanye nabeluleki bezindlu ezibolekwayo.Funa izincomo, funda izibuyekezo, bese ukhetha ochwepheshe abangakuqondisa ebunzimeni benqubo yokuthenga umuzi nokugunyaza imalimboleko.Ubuchwepheshe babo bungaba yigugu ekuqinisekiseni isipiliyoni esibushelelezi.

9. Zilungiselele Izindleko Zokuvalwa

Ngokungeziwe enkokhelweni ephansi, zilungiselele izindleko zokuvala ezihlobene nokuthenga ikhaya.Ukuqonda nokuhlelwa kwesabelomali kwalezi zindleko kusenesikhathi kuzovimbela ukucindezeleka kwezezimali ngomzuzu wokugcina futhi kubonise kubabolekisi ukuthi ukulungele ngokwezimali ubunikazi bekhaya.

10. Hlala Unolwazi Futhi Ubuze Imibuzo

Inqubo yesicelo se-mortgage ingaba yinkimbinkimbi, ikakhulukazi kubathengi bokuqala.Hlala unolwazi mayelana nezitayela zakamuva, izilinganiso zenzalo, nezinguquko emakethe yezindlu nezindlu.Ungangabazi ukubuza imibuzo kuyo yonke inqubo ukuze uqiniseke ukuthi usiqonda ngokugcwele isinyathelo ngasinye kanye nemibandela yemalimboleko yakho.

Isiphetho

Ukugunyazwa ukubolekwa kwezindlu njengomthengi oqala ngqá kuhlanganisa ukuhlela ngokucophelela, ukukhuthala ngokwezimali, kanye nendlela esheshayo.Ngokuqonda isimo sakho sezezimali, ukuthuthukisa isikweletu sakho, ukuhlola izinketho zokubolekwa kwemali, nokusebenza nezingcweti, ungawandisa amathuba akho okuthola imali ebolekiwe ehambisana nemigomo yakho yobunikazi bendlu.Khumbula, isihluthulelo siwukuba nesineke, uhlale unolwazi, futhi uthathe izinyathelo zamabomu eziya ephusheni lakho lokuba umninikhaya.

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.