10/25/2023

Ingabe usemakethe yokubolekwa kwezindlu kodwa uzithole usesimweni esiyingqayizivele sezezimali?Cishe uhlangabezane negama elithi "imalimboleko yemali ebolekiwe yemali enzima."Kulo mhlahlandlela ophelele, sizohlola ukungena nokuphuma kwemali mboleko yemali enzima kanye nababolekisi bezindlu ukuze bakusize unqume ukuthi le nketho iyazifanela yini izidingo zakho.

Ukuqonda Ababolekisi Bezindlu
Ngaphambi kokuhlolisisa ubunkimbinkimbi bemali mboleko yemali enzima, kubalulekile ukuqonda umqondo wababolekisi bezindlu.Umabolekisi wezindlu yibhizinisi, njengebhange, inyunyana yezikweletu, noma isikhungo esizimele, esihlinzeka ngemali yokuthenga indawo ethengiswayo ngokudlulisela imalimboleko kubathengi.Ngokushintshana, ababoleki bazibophezela ekukhokheleni imali ebolekiwe esikhathini esibekiwe, okuhlanganisa nenzalo.

I-Traditional Mortgage
Uhlobo oluvame kakhulu lwemali mboleko yimalimboleko yendabuko, lapho ababoleki ngokuvamile bedinga ukuhlangabezana nezidingo eziqinile zesikweletu kanye neholo.Ababolekisi bezindlu ezibolekiwe bendabuko bahlola ukufaneleka kwekhredithi, umlando wokuqashwa, nokuzinza kwezezimali ukuze banqume ukufaneleka.Lezi zimali mboleko ngokuvamile zinikeza imigomo evumayo, amanani enzalo aphansi, nezikhathi ezinde zokukhokha.

Faka Ababolekisi Bemali Enzima Yemali Ebolekiwe
Ngakolunye uhlangothi, ababolekisi bemalimboleko yemalimboleko yemali enzima, bawuhlobo oluhlukile embonini yezezindlu.Babhekelela ababoleki okungenzeka bangahlangabezani nemibandela evamile yokuboleka.Imali mboleko yemali enzima ivame ukufunwa abatshali bezindlu, abantu abanezikweletu ezingezinhle, noma labo abadinga izixazululo zezimali ezisheshayo nezivumelana nezimo.

Izisekelo Zokubolekwa Kwemali Enzima
Imali mboleko yemali enzima iyimali mboleko yesikhashana, esekelwe kumpahla evikelwe yizindlu ezithengiswayo.Kubhekwa njengesinyathelo sokugcina sababoleki abasebenzise izindlela zokuboleka ezivamile ngenxa yesikweletu esibi, imali engenayo eyanele, noma isidingo sokuvala ngokushesha.Lezi zimali mboleko ngokuvamile zinikezwa abantu abazimele noma izikhungo ezibolekisayo ezincane.

Izici Ezibalulekile Zemali Ebolekiwe Enzima
Isisekelo Sesibambiso: Imali mboleko yemali enzima ngokuyinhloko isuselwa enanini lesakhiwo esithengwayo noma esisetshenziswa njengesibambiso.Ababolekisi abanandaba kangako nomlando wesikweletu womboleki.

Ukuvunywa Okusheshayo: Izimali mboleko zendabuko zingathatha amaviki noma ngisho izinyanga ukuthi zicutshungulwe.Ngokuphambene, imali ebolekiwe yemali enzima ingavunywa futhi ixhaswe ngezinsuku ezimbalwa, iyenze ibe yinketho efanelekile yokuthengiselana kwezindlu nezindlu ezibucayi ngesikhathi.

Isikhathi Esifushane: Izimalimboleko zemali enzima ngokuvamile zinemibandela yokukhokha emifushane, ngokuvamile esukela ezinyangeni eziyisithupha kuya eminyakeni embalwa.Ababolekayo kulindeleke ukuthi bakhokhe imali ebolekiwe ngesamba semali, badayise indawo, noma bakhokhe kabusha ngaphambi kokuphela kwesikhathi semalimboleko.

Izilinganiso Zenzalo Ephakeme: Ukuze kunxeshezelwe ubungozi obukhulayo, ababolekisi bemali enzima bakhokhisa amanani enzalo aphezulu uma kuqhathaniswa nababolekisi bendabuko.Amanani angahluka kakhulu, kodwa akuvamile ukubona amanani enzalo anedijithi ezimbili.

Ukuvumelana nezimo: Ababolekisi bemali enzima bavumelana nezimo uma kuziwa emigomeni yemalimboleko neziqu, okubenza bafanelekele ababolekayo okungenzeka bangahlangabezani nezimfuneko ezivamile zokuboleka.

Ingabe I-Hard Money Loan Mortgage Lender Ikufanela?
Ukuthi umbolekisi wemali mboleko yemali enzima uyisinqumo esilungile kuwe kuncike ezimweni zakho zezezimali kanye nezinhloso.Nazi ezinye izimo lapho imali mboleko yemali enzima ingaba inketho efanelekile:

1. Umlando Wezikweletu Ompofu
Uma unesikolo esiphansi noma umlando wobunzima bezezimali, ababolekisi bendabuko bangase basenqabe isicelo sakho semali mboleko.Ezimweni ezinjalo, umbolekisi wemalimboleko yemali enzima angase azimisele ukunganaki amaphuzu akho esikweletu futhi agxile enanini lesakhiwo.

2. Utshalomali Lwezakhiwo
Abatshalizimali bezindlu bavame ukuphendukela emalimboleko yemali enzima ukuze babambe amathuba ngokushesha.Lapho uthola idili elinenzuzo, imali ebolekiwe yemali enzima ingakunikeza imali edingekayo ukuze uvikele indawo ngaphambi kokuba omunye umuntu enze.

3. Uxhaso Lwezimali Lwesikhathi Esifushane
Uma udinga kuphela uxhaso lwezimali isikhathi esifushane, njengalapho ushintsha indawo, imali ebolekiwe yemali eqinile enemvume yayo esheshayo kanye nemvelo yesikhashana ingase ilingane kahle nezidingo zakho.

4. Isakhiwo Esiyingqayizivele Noma Isimo
Kwesinye isikhathi, ababoleki badinga ukuxhaswa ngezimali kwezakhiwo noma izimo ababolekisi bendabuko abazibheka njengengozi enkulu noma ezingajwayelekile.Ababolekisi bemali enzima bazimisele kakhulu ukusebenza namacala anjalo ayingqayizivele.

5. Ukuntuleka Kwemibhalo
Uma ungeke ukwazi ukunikeza imibhalo ebanzi ngokuvamile edingwa ababolekisi bendabuko, imali ebolekiwe yemali enzima ingase ibe yisixazululo, njengoba laba babolekisi bevame ukuba nesithakazelo esikhulu esakhiweni ngokwaso.

Ukukhetha umbolekisi wezindlu kuyisinqumo esibalulekile esinemiphumela efinyelela kude yezezimali.Ukuthi umbolekisi wemali mboleko yemali enzima uyakufanele yini kuncike ezimweni zakho kanye nezinjongo zakho.Ngaphambi kokwenza isinqumo, hlolisisa isikweletu sakho, uhlobo lomsebenzi wakho wezindlu nomhlaba, kanye nekhono lakho lokubuyisela imali oyibolekile.Ukubonisana nomeluleki wezezimali noma uchwepheshe wezindlu ezibolekisayo kuhlala kuhle ukuze uqinisekise ukuthi wenza ukukhetha unolwazi.Kwezinye izimo, umbolekisi wemali ebolekiwe yemali enzima angase abe umzila wokuphila oyidingayo ukuze ufinyelele imigomo yakho yezindlu nezindlu, kodwa kubalulekile ukukala izinzuzo ngokumelene nezindleko eziphakeme kanye nemibandela emifushane.

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.