Ukukhulisa Ukugunyazwa Kwendlu Yakho Yezindlu: Ukuqonda Imigqa Yokuhweba kanye Nezimali Zezipho

Uma kukhulunywa ngokuthola imali yokubolekwa imali e-United States, ukuqonda ubunkimbinkimbi bemigqa yokuhweba kanyeisiphoizimali zingathuthukisa kakhulu amathuba akho okugunyazwa. Kulesi sihloko, sibheka ukuthi lezi zici ezimbili zidlala kanjani indima ebalulekile enqubweni yesicelo semali mboleko nokuthi ungazisebenzisa kanjani ukuze uzuze.

Yini iziumugqa wokuhwebas?

Ulayini wokuhweba empeleni uyirekhodi lomsebenzi wanoma yiluphi uhlobo lwekhredithi edluliselwa komboleki. Lokhu kuhlanganisa amakhadi esikweletu, imali mboleko yezimoto, izikweletu zezindlu, neminye imigqa yesikweletu. Umugqa ngamunye wokuhweba uhlanganisa imininingwane efana negama lombolekisi, inombolo ye-akhawunti, idethi eyavulwa ngayo i-akhawunti, umkhawulo wesikweletu, ibhalansi ye-akhawunti, nomlando wokukhokha womboleki.

Imigqa yohwebo ibalulekile enqubweni yokugunyaza i-mortgage ngoba ihlinzeka ababolekisi umbono ophelele womlando wakho wesikweletu. Umlando oqinile wokukhokha ngesikhathi kanye nokusetshenziswa kwesikweletu ngendlela efanele kungakhuphula kakhulu amaphuzu akho esikweletu, kukwenze uthandeke kakhulu emalini ebolekiwe.

Uwenza Kanjani Imigqa Yakho Yokuhweba

1. Gcina Ibhalansi Ephansi:Ukugcina amabhalansi ekhadi lakho lesikweletu ephansi uma kuqhathaniswa nemikhawulo yakho yesikweletu kungaba nomthelela omuhle kumaphuzu akho esikweletu. Ababolekisi bancamela ukubona isilinganiso esiphansi sokusetshenziswa kwekhredithi.
2. Izinkokhelo Ngesikhathi:Ukwenza izinkokhelo ezifika ngesikhathi kubalulekile. Ukukhokha sekwephuzile kungaba nomthelela omubi kumaphuzu akho esikweletu futhi, ngenxa yalokho, isicelo sakho semalimboleko.
3. Izinhlobo Ezihlukene Zezikweletu:Ukuba nengxube yezinhlobo ezihlukene zama-akhawunti esikweletu (isb., amakhadi esikweletu, imalimboleko yezimoto, imali mboleko yabafundi) kungabonisa ikhono lakho lokuphatha izinhlobo ezihlukene zezikweletu ngokuzibophezela.

Ukuqonda Izimali Zezipho

Izimali zesipho ziyizipho zemali ezinikezwa umeboleki ukusiza ukumboza inkokhelo ephansi noma izindleko zokuvala zokuthenga ikhaya. Lezi zimali zingavela kumalungu omndeni, abangani abaseduze, noma ngisho nabaqashi. Izimali zezipho zingaba yinsiza ebalulekile kubathengi bezindlu, ikakhulukazi labo okungenzeka bangenayo imali eyanele yokukhokhela izindleko zangaphambili ezihlobene nokuthenga ikhaya.

Imihlahlandlela Yokusebenzisa Izimali Zezipho

1. Amadokhumenti:Ababolekisi badinga imibhalo ephelele ukuze baqinisekise ukuthi izimali zesipho ziyisipho ngempela hhayi imalimboleko. Lokhu kuvame ukufaka incwadi yesipho evela kumnikeli esho ukuthi imali iyisipho futhi ayidingi ukukhokhelwa.
2. Umthombo Wezimali:Onikelayo kufanele anikeze ubufakazi bomthombo wezimali zesipho. Lokhu kungafaka izitatimende zasebhange noma amanye amadokhumenti ezezimali.
3. Isikhathi sediphozithi:Kubalulekile ukufaka imali yesipho ku-akhawunti yakho yasebhange kusenesikhathi ngaphambi kosuku lokuvala ukuze uqinisekise ukuthengiselana okushelelayo.

Ukuhlanganisa Imigqa Yokuhweba kanye Nezimali Zesipho Ukuze Uphumelele I-Mortgage

Ngokuphatha kahle imigqa yakho yokuhweba nokusebenzisa izimali zezipho ngempumelelo, ungathuthukisa amandla esicelo sakho semalimboleko. Umlando wesikweletu oqinile, njengoba kufakazelwa imigqa yohwebo ephethwe kahle, kuhlanganiswe nokukhushulwa kwezimali okuvela ezikhwameni zesipho, kungenza umehluko omkhulu enqubweni yakho yokugunyaza imali yendlu.

Sengiphetha, ukuqonda nokwenza kahle imigqa yohwebo kanye nezimali zezipho kuyizinyathelo ezibalulekile ekutholeni imali ebolekiwe. Ngokugcina iphrofayili eqinile yezikweletu nokusebenzisa izimali zezipho ngempumelelo, ungathuthukisa amathuba akho okuthola imali mboleko yendlu oyidingayo.

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.