11/21/2023

Isingeniso

Ukuthola imvume ye-mortgage kuyisinyathelo esibalulekile ohambweni oluya kubanikazi bezindlu.Kungakhathaliseki ukuthi ungumthengi wokuqala noma unolwazi emakethe yezindlu nemizi, ukuqonda ubunkimbinkimbi benqubo yokugunyaza kubalulekile.Kulo mhlahlandlela, sizocubungula amasu asebenzisekayo kanye nemininingwane yokuthi ungayithola kanjani imvume yendlunkulu, sikunikeze umhlahlandlela wokuzulazula kulesi sigameko esibalulekile sezezimali.

1. Yazi Isimo Sakho Sezezimali

Ngaphambi kokuqala inqubo yokugunyaza i-mortgage, yenza ukuhlola okuphelele kokuma kwakho kwezezimali.Bhekisisa amaphuzu akho esikweletu, hlola isilinganiso sakho semali engenayo nemali engenayo, futhi ube nokuqonda okucacile kwemigomo yakho yezezimali.Ukwazi ukuthi umi kuphi ngokwezimali kubeka isisekelo sokufaka isicelo se-mortgage esiyimpumelelo.

2. Pholisha Iphrofayela Yakho Yesikweletu

Isikolo sakho sesikweletu siyisici esibalulekile ekugunyazweni kwe-mortgage.Buyekeza umbiko wakho wesikweletu ukuze uthole ukunemba futhi usebenzele ukuthuthukisa isikolo sakho uma kunesidingo.Ukukhokha izikweletu ezisele kanye nokulungisa noma yikuphi ukushayisana kungaba nomthelela omuhle kuphrofayela yakho yesikweletu, kwandise amathuba akho okugunyazwa kanye nezinga lenzalo elivumayo.

3. Yakha Iphothifoliyo Yezezimali Eqinile

Ababolekisi bahlolisisa iphothifoliyo yakho yezezimali lapho behlola izicelo ze-mortgage.Qinisa isikhundla sakho ngokubonisa umsebenzi ozinzile, imali engenayo engashintshi, kanye nomlando oqinile wokonga.Iphothifoliyo yezezimali ehlanganiswe kahle ithuthukisa ukwethembeka kwakho njengomboleki.

4. Qonda Izinketho Zakho Zemalimboleko

Cwaninga futhi uqonde izinketho ezahlukene zemalimboleko yezindlu ezitholakalayo.Kungakhathaliseki ukuthi imali mboleko evamile, imali mboleko ye-FHA, noma i-VA, ngayinye iza nesethi yayo yezimfuneko.Hlela indlela yakho ngokusekelwe emalini ebolekiwe eqondana kangcono nesimo sakho sezezimali kanye nemigomo yokuba umninikhaya.

5. Thola Ukugunyazwa Ngaphambili

Ngaphambi kokungena enqubweni yokuzingela indlu, funa imvume yangaphambili ye-mortgage.Lokhu akukunikezeli nje kuphela ibhajethi ecacile kodwa futhi kukhombisa abathengisi ukuthi ungumthengi ozimisele futhi oqeqeshiwe.Sebenza eduze nomabolekisi wezindlu ukuze uqedele inqubo yokugunyaza ngaphambilini.

6. Yonga Ukuze uthole Inkokhelo Ephansi Enkulu

Wkuyilapho ezinye izikweletu zivumela ukukhokha kancane, ukuba nenkokhelo ephansi kakhulu kuqinisa isicelo sakho.Yonga ngenkuthalo ukuze uthole inkokhelo ephansi, ucabangela ukuthi inkokhelo enkulu yangaphambili ingaholela emigomeni engcono yemalimboleko kanye namathuba angeziwe okugunyaza.

7. Bhekana Nezikweletu Ezisele

Yehlisa izikweletu ezisele ukuze uthuthukise isilinganiso sakho semali engenayo.Khokha ibhalansi yekhadi lesikweletu futhi ucabange ukuhlanganisa izikweletu ezinenzalo ephezulu.A hiphrofayili yesikweletu esingcono kakhulu ikwenza ube umboleki okhanga kakhulu futhi ithuthukisa amathuba akho okugunyazwa yi-mortgage.

8. Zinzisa Ukuqashwa Kwakho

Ababolekisi bayayazisa imilando ezinzile yokuqashwa.Hlela ukugcina umsebenzi ongashintshi noma umsebenzi ovikelekile ngaphambi kokufaka isicelo semali mboleko.Irekhodi elithembekile lokuqashwa lengeza ukwethembeka esicelweni sakho.

9. Xhumana Nochwepheshe Abanolwazi

Hlanganyela nochwepheshe abanolwazi lwezindlu ezithengiswayo kanye nabeluleki bezindlu ezibolekiwe.Ubuchwepheshe babo bungakuqondisa ebunzimeni benqubo yokugunyazwa kwempahla mboleko.Funa izincomo, funda izibuyekezo, bese ukhetha ochwepheshe abaqonda isimo sakho sezezimali esiyingqayizivele.

10. Hlala Unolwazi Futhi Ukhuthalele

Zigcine unolwazi mayelana namathrendi emakethe, izilinganiso zenzalo, nezinguquko esimweni se-mortgage.Yiba matasa ekuqondeni imigomo yemali mboleko yakho futhi ungangabazi ukufuna ukucaciseleka.Ulwazi luyithuluzi elinamandla ekutholeni ukugunyazwa kwe-mortgage.

Isiphetho

Ukuthola imvume yokubolekwa kwempahla kuwubuciko obuhlanganisa ulwazi lwezezimali, ukuhlela amasu, kanye nokuthatha izinqumo ngokushesha.Ngokuqonda ukuma kwakho kwezezimali, ukupholisha iphrofayela yakho yesikweletu, nokusebenza eduze nezingcweti, ungakwazi ukuzulazula enqubweni yokugunyaza ngokuzethemba.Khumbula, isinyathelo ngasinye osithathayo sikusondeza ekuvuleni umnyango wekhaya lakho lamaphupho.

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.