Ukuqonda Imali Ebolekiwe Yesitatimende Sebhange Nezinhlawulo Zokukhokha Ngaphambili Emakethe Yezindlu Yase-US

Lapho uzulazula emhlabeni oyinkimbinkimbi wemali mboleko yezindlu yase-US, amagama amabili abalulekile avame ukuvela:Isitatimende sase bhangeizikweletu kanyeIsijeziso Sokukhokha Ngaphambili. Ukuqonda le mibono kungaba nomthelela omkhulu ohambweni lwakho lwe-mortgage. Lesi sihloko sidingida ubunkimbinkimbi bemalimboleko Yesitatimende Sebhange kanye nemithelela Yezinhlawulo Zokukhokha Ngaphambili, siqinisekisa ukuthi wenza izinqumo ezinolwazi.

Yiziphi Izimalimboleko Zesitatimende Sasebhange?

AIsitatimende sase bhangeimalimboleko wuhlobo lwemali ebolekwayo eyenzelwe abantu abazisebenzayo noma labo abanemali engenayo emuncu.LEZI. Ngokungafani nemali ebolekiwe evamile edinga ama-W-2 kanye nezimbuyiselo zentela, imalimboleko Yesitatimende Sebhange zisebenzisa izitatimende zakho zasebhange ukuze ziqinisekise imali engenayo. Ngokuvamile, ababolekisi babuyekeza izitatimende zasebhange zezinyanga eziyi-12 kuya kwezingu-24 ukuze bahlole ukuhamba kwakho kwemali nokunquma ukufaneleka kokubolekwa imali.

Izinzuzo Zemalimboleko Yesitatimende Sebhange

1. Ukuvumelana nezimo Kwababoleka Abaziqashile: Izimali mboleko zendabuko ngokuvamile azinaki izimo zezimali ezihlukile zabantu abazisebenzayo. Izimalimboleko zeSitatimende Sasebhange zinikeza isisombululo ngokucabangela ukuhamba kwemali kwangempela.
2. Umbhalo Owenziwe Lula: Esikhundleni semibhalo eminingi yentela, udinga kuphela ukunikeza izitatimende zakho zasebhange, okwenza inqubo yokufaka isicelo iqonde kakhudlwana.
3. Izilinganiso Eziphakeme Zokuvunyelwa: Kulabo abanemali engenayo eguquguqukayo, imalimboleko Yesitatimende Sebhange inikeza amathuba aphezulu okugunyazwa uma kuqhathaniswa nemali mboleko evamile.

Ukuqonda Isijeziso Sokukhokha Ngaphambili

AIsijeziso Sokukhokha Ngaphambiliiyimali ekhokhiswa ababolekisi uma ukhokha imali yakho yendlu ngaphambi kwesikhathi. Le nhlawulo yakhelwe ukuvikela ababolekisi ekulahlekelweni yimali yenzalo. Nakuba kungase kubonakale kungenangqondo ukujezisa ukukhokha ngaphambi kwesikhathi, kuqinisekisa ukuthi ababolekisi bathola enye inzalo elindelekile.

Izinhlobo Zezinhlawulo Zokukhokha Ngaphambili

1. Isijeziso Esigxilile: Imali ebekiwe, kungakhathaliseki ukuthi usheshe ukhokhe kangakanani isikweletu.
2. I-Sliding Scale Penalty: Isijeziso siyehla ngokuhamba kwesikhathi, sibe sincane kakhulu njengoba usondela ekupheleni kwesikhathi semalimboleko.
3. Iphesenti Lenhlawulo: Iphesenti lebhalansi yemalimboleko esele, engaba nkulu uma ikhokhwe ngaphambi kwesikhathi semalimboleko.

Ukucatshangelwa Ngezinhlawulo Zokukhokha Ngaphambili

1. Funda Isivumelwano Sakho Semalimboleko: Hlala ubuyekeza isivumelwano sakho semalimboleko ukuze uqonde imigomo ethile yanoma yisiphi Isijeziso Sokukhokha Ngaphambili.
2. Bala Izindleko Ezingenzeka: Cabangela izindleko eziphelele zenhlawulo ngokuqhathanisa nezinzuzo zokukhokha imalimboleko yakho ngaphambi kwesikhathi.
3. Xoxisana nababolekisi: Abanye ababolekisi bangase bazimisele ukuyekelela noma ukunciphisa inhlawulo, ikakhulukazi uma unephrofayela eqinile yezezimali.

Isiphetho

Ukuzulazula emakethe yemalimboleko yezindlu yase-US kudinga ukuqonda okucacile kwemigomo efanaIsitatimende sase bhangeizikweletu kanyeIsijeziso Sokukhokha Ngaphambili. Izimalimboleko zeSitatimende Sasebhange zinikeza inketho esebenzayo kubantu abazisebenzayo, enikeza ukuguquguquka kanye nemibhalo eyenziwe lula. Nokho, qaphela Izinhlawulo Zokukhokha Ngaphambili, njengoba zingaba nomthelela ohlelweni lwakho lwezezimali. Ngokuqonda le mibono, ungenza izinqumo ezinolwazi futhi wandise ulwazi lwakho lwe-mortgage.

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.