Izikweletu Ezilula Ngemali Ebolekiwe Ye-P&L Ezizilungisele

Ukuzulazula endaweni ye-mortgage kungaba nzima, ikakhulukazi kulabo abanemali engenayo engajwayelekile. I-Self Prepared P&L Loan inikeza enye indlela eqabulayo, eklanyelwe ukwenza lula inqubo yokuboleka. Nge-P&L Yokuzilungiselela Kuphela Edingekayo, ababoleki bangakwazi ukufaneleka ngaphandle kwe-CPA-isitatimende sezimali esilungisiwe, okwenza kube lula Kakhudlwana Ukufanelekela i-mortgage. Kungakhathaliseki ukuthi uxhasa ngezimali indawo yokuhlala Eyisisekelo, Ikhaya Lesibili, noma Indawo Yokutshalwa Kwezimali, izici zale malimboleko ze-No Tax Return kanye Nesijeziso Sokukhokha Ngaphambili, ezibhangqwe Nezinga Eliphansi elingu-5/6 ARM kanye nezinketho ezingu-7/6 ze-ARM, zikwenze ukukhetha okuvelele.

Izimali ezibolekiwe zendabuko ngokuvamile zidinga imibhalo ebanzi, okuhlanganisa nezimbuyiselo zentela okungenzeka zingabonisi ngokunembile amandla ezezimali omboleki. I-Self Prepared P&L Loan iqeda lo mkhawulo. Ngokuvumela ababoleki ukuthi balethe ezabo isitatimende senzuzo nokulahlekelwa, kubhekelela uku-qashiweochwepheshe, abazimele, nabatshalizimali imali yabo engenayo eguquguqukayo noma ehlanganisa ukudonswa kwemali okubalulekile. Ngemali ebolekiwe efinyelela ku-$2.0 wezigidi kanye nenani eliphansi lekhredithi engu-680, ifinyeleleka kuhlu olubanzi lwabafake izicelo.

Izinketho ze-5/6 ARM kanye ne-7/6 ARM zengeza ukuguquguquka. I-5/6 ARM ikhiya Ngenani Eliphansi iminyaka emihlanu, ilungiswa njalo ngemva kwezinyanga eziyisithupha, ilungele labo abanezinhlelo zesikhathi esifushane. I-7/6 ARM inweba isikhathi esimisiwe sibe iminyaka eyisikhombisa, inikeze ukubikezelwa kwemigomo yesikhathi eside. Zombili zenzelwe ukugcina izinkokhelo zifinyeleleka, kungakhathaliseki ukuthi uhlala ekhaya Eliyisisekelo noma uphethe indawo Yokutshala imali.

Isici esithi Akukho Sesijeziso Sokukhokha Ngaphambili siwumdonsiswano omkhulu. Ababoleki bangakwazi ukukhokha imalimboleko yabo kusenesikhathi—kungaba ukufaka imali kabusha, ukuthengisa Ikhaya Lesibili, noma ukukhipha Imali Etshaliwe—ngaphandle kokuthola izindleko ezengeziwe. Lokhu kuvumelana nezimo kuhambisana namaqiniso emakethe yanamuhla, lapho amasu ezezimali eguquka ngokushesha. Ngokuhambisana nezidingo zokungabuyiswa kwentela, i-Self Prepared P&L Loan inciphisa umsebenzi futhi isheshisa ukugunyazwa, ivumele ababoleki ukuthi bagxile emigomweni yabo.

Cabangela umnikazi webhizinisi elincane ohlose ukuthenga indawo yokuhlala Eyisisekelo. Izimbuyiselo zabo zentela zibonisa imali engenayo ephansi ngenxa yezindleko zebhizinisi, kodwa ukuhamba kwabo kwezimali kwangempela kuqinile. Ngokuthumela i-Self Prepared P&L, bafaneleka kalula, bekhetha i-7/6 ARM ngokuzinza kwayo Kwezinga Eliphansi. Uma ibhizinisi labo likhula futhi bekhokha imali ebolekiwe ngaphambi kwesikhathi, Asikho Isijeziso Sokukhokha Ngaphambili siqinisekisa ukuthi bagcina inzuzo yabo eyengeziwe.

I-Self Prepared P&L Loan ichaza kabusha ukufinyeleleka kwe-mortgage. Yakhelwe labo abangahambisani nesikhunta esivamile, enikeza kuphela I-P&L Edingekayo Yokuzilungiselela Kuphela kanye Nemibandela Elula Kakhudlwana Ukuze Ufanelekele. Kungakhathaliseki ukuthi uphupha ngekhaya Eliyisisekelo, i-2nd Home retreat, noma ithuba lokutshala imali, izinketho zale mali 5/6 ARM noma 7/6 ARM ziletha ukufinyeleleka nenkululeko, konke ngaphandle komthwalo wentela noma izinhlawulo zokukhokha kusengaphambili.