Izindaba Zemboni
Ukuqonda Izikweletu Zomphakathi kanye Nesikweletu Somboleki ku-Mortgage yase-US
Ukuzulazula emhlabeni wezikweletu kungaba nzima, ikakhulukazi uma amagama anjengokuthi "imalimboleko yomphakathi" kanye "nekhredithi yombolekisi" engena. Lezi zingxenye zingathinta kakhulu ukuzizwisa kwakho ukuthenga ikhaya, zinikeze izinzuzo eziyingqayizivele nokonga okungaba khona. Ukuqonda ukuthi kanjaniIzikweletu Zomphakathifuthi umsebenzi wezikweletu wombolekisi ubalulekile kunoma yimuphi umnikazi wendlu ongase abe khona e-United States.
Imali mboleko yomphakathi ingumkhiqizo wempahla ebolekwayo oklanyelwe ukusiza abantu abathile emiphakathini ethile, ngokuvamile eqondiswe kubaboleki abanemali ephansi ukuya emaphakathi. Lezi zimali mboleko ziyingxenye yezinhlelo zokuthuthukisa ubunikazi bezindlu ezindaweni ezinganakekelwa kahle. Imali mboleko yomphakathi ngokuvamile ihlinzeka ngemibandela evumayo, njengezinkokhelo eziphansi kanye nezinga lenzalo elincishisiwe, okwenza ubunikazi bezindlu buthuthuke kakhulu.LEZIingane. Bavame ukwesekwa izinhlelo zikahulumeni noma izikhungo zezimali zendawo ezihlose ukusekela ukukhula komnotho emiphakathini.
Ikhredithi yombolekisi, ngakolunye uhlangothi, isici esingasiza ekunciphiseni izindleko zangaphambili zokuthola imali ebolekiwe. Uma umboleki ekhetha ukuthola isikweletu somboleki, umbolekisi ukhokhela izindleko ezithile zokuvala ukuze athole isilinganiso senzalo esiphezulu kancane emalini ebolekiwe. Lokhu kungaba yinzuzo ikakhulukazi kubathengi abangenawo ukheshi ngezindleko zokuvala kodwa abakwazi ukuphatha izinkokhelo zanyanga zonke eziphakeme kancane. Ikhredithi yababolekisi ivumela ababoleki ukuthi babelane ngezimali zabo ngendlela evumelana nezimo, mhlawumbe balondolozele izindleko zesikhathi esizayo noma ukuthuthukiswa kwekhaya.
Ukufaka isikweletu somboleki emalini ebolekiwe yomphakathi kungaba isinyathelo samasu kubathengi abaningi. Ngokuhlanganisa lezi zinto, ababoleki bangajabulela izinzuzo zezindleko zokuqala ezincishisiwe kuyilapho befinyelela imigomo yemalimboleko evumayo ngezinhlelo zokubolekwa komphakathi. Lokhu kusebenzisana kungenza ukuthenga ikhaya kube lula kulabo abangase bathwale kanzima ngezidingo zezimali zokuvala izindleko kanye nezinkokhelo eziphansi.
Uma ucubungula imalimboleko yomphakathi enekhredithi yombolekisi, kubalulekile ukukala imithelela yesikhathi eside. Nakuba isikweletu somboleki singadambisa umthwalo osheshayo wezezimali, izinga lenzalo eliphezulu lizothinta zonke izindleko zemali mboleko ngokuhamba kwesikhathi. Kubalulekile ukubala iphuzu lekhefu ukuze unqume ukuthi ukulondoloza kwasekuqaleni kuyakudlula yini izinkokhelo zenzalo.
Abangase babe ngabanikazi bezindlu kufanele futhi bacwaninge futhi baqhathanise izinhlelo ezahlukene zemalimboleko yomphakathi kanye nezinketho zezikweletu zababolekisi. Umbolekisi ngamunye angase anikeze amagama ahlukahlukene, futhi ukuqonda lo mehluko kungaholela ezinqumweni ezinolwazi. Ukubonisana nomeluleki wezindlu ezibolekwayo kunganikeza imininingwane ebalulekile ehambisana nezimo nemigomo yezezimali yomuntu ngamunye.
Sengiphetha, imali ebolekiwe yomphakathi kanye nekhredithi yombolekisi angamathuluzi anamandla ezweni lase-US lempahla yendlu, enikeza izindlela zokuba umninikhaya okungenzeka zingenakufinyeleleka. Ngokusebenzisa lezi zinketho, ababoleki bangathola izixazululo ezihambisana namandla abo ezezimali nezinhlelo zesikhathi eside. Ukuqonda izinzuzo nokuhwebelana kwezimali mboleko zomphakathi kanye nekhredithi yombolekisi kuyisihluthulelo sokwenza izinqumo ezinolwazi ngenqubo yokuthenga umuzi.
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.