Ukufaneleka kokubolekwa kwezindlu kuba umzamo wamasu, ikakhulukazi uma ubheka ukuthuthukisa ukuhamba kwemali okukhiqizwa izakhiwo zokutshalwa kwezimali.Lo mhlahlandlela udingida izinto ezibalulekile ezicatshangelwayo kanye namasu asebenzayo okufanelekela ukubolekwa indlu ngokusebenzisa amandla emali engenayo evela ezindaweni zakho zokutshala imali.

Ukuqonda Ukugeleza Kwemali Yezakhiwo Zokutshalwa Kwezimali

Incazelo: Ukugeleza kwemali yendawo yokutshalwa kwezimali kubandakanya imali engenayo etholakala ekutshalweni kwezindlu nemizi, ngokuyinhloko etholakala ezinkokhelweni zokuqasha ezenziwa abaqashi.Enqubweni yokufaneleka kwe-mortgage, ababolekisi bavame ukuhlola lokhu kugeleza kwemali ukuze balinganise amandla omboleki okubuyisela imali ebolekiwe.

Ukubaluleka Kweziqu: Ukusebenzisa ukungena nokugeleza kwemali kwesakhiwo sokutshalwa kwezimali kunweba imibandela yokufaneleka evamile, kunikeze ababolekisi umbono ophelele wamandla ezezimali omboleki ngokungabheki nje imali engenayo yomuntu siqu kodwa futhi namandla okungenisa imali ezakhiwo zokutshalwa kwezimali.

Izinyathelo Zokufanelekela Ukubolekwa Kwezindlu Ngokusebenzisa Ukugeleza Kwemali Yezakhiwo Zokutshalwa Kwezimali

1. Imibhalo enemininingwane

Nikeza ngemibhalo ephelele yezindawo ozitshalile, okuhlanganisa:

• Izivumelwano Zokuqasha: Isho ngokucacile imigomo, amanani okuqasha, nezikhathi zokuqashisa.
• Izitatimende Zemali Engenayo: Gqamisa imali engenayo ekhiqizwa isakhiwo ngasinye.
• Imibiko Yezindleko: Imininingwane yezindleko ezihlobene nempahla.

2. Ukubalwa kwe-Debt-Service Coverage Ratio (DSCR).

Ababolekisi bavamise ukusebenzisa i-DSCR ukuze bahlole ikhono lesakhiwo lokumboza izibopho zezikweletu.Bala i-DSCR ngokuhlukanisa:

• Imali engenayo yokusebenza Net (NOI): Imali engenayo ekhiqizwa isakhiwo.
• Izibopho Zezikweletu Zonyaka: Izinkokhelo ze-mortgage nezindleko ezihlobene.

3. Umlando Wokuqasha Ozinzile

Bonisa umlando ozinzile wokuqasha ukuze ubonise ukuhamba kwemali okungashintshi:

• Ukuqashisa Kwesikhathi Eside: Bonisa noma yiziphi izivumelwano zokuqashisa ezinwetshiwe.
• Imilando Yenkokhelo Yomqashi: Gqamisa izinkokhelo ezithembekile nezifike ngesikhathi.

4. Isikweletu Somuntu Siqu

Nakuba ukugeleza kwemali kwezakhiwo ezitshaliwe kubaluleke kakhulu, ukufaneleka komuntu siqu kwekhredithi kuhlala kuyisici:

• Gcina Isikolo Sesikweletu Esiqinile: Isikolo esinempilo sithuthukisa ukufaneleka okuphelele kokubolekwa imali.
• Bhekana Nezinkinga Zombiko Wesikweletu: Xazulula noma yikuphi ukungezwani embikweni wakho wesikweletu.

5. Ukuqonda Izinkombandlela Zombolekisi

Ababolekisi abahlukene banemibandela eyahlukene yokucabangela imali yokuqasha:

• Ucwaningo: Qonda izinkombandlela ezithile zomboleki osebenza naye.
• Qondanisa Amadokhumenti: Qinisekisa ukuthi imibhalo yakho ihambisana nokulindelwe ngumbolekisi.

6. Ama-reserves kanye ne-Contingency Plans

Qinisa isicelo sakho ngemali egciniwe:

• Isikhwama Sezimo Eziphuthumayo: Yiba nemali egciniwe njengenethi yokuphepha yezindleko ezingalindelekile noma izikhala zesikhashana.
• Izinhlelo Zesimo Esiphuthumayo: Bonisa ikhono lakho lokusingatha izinselele zezimali ezingalindelekile.

7. Iseluleko Sochwepheshe

Funa isiqondiso kochwepheshe abanolwazi:

• I-Mortgage Professional: Xhumana nochwepheshe wezezindlu ezibolekiwe owazi kahle ukutshalwa kwezindlu nezindlu.
• Umeluleki Wezezimali: Thola imininingwane yokuthuthukisa isicelo sakho kanye nokubhekana nokukhathazeka okungenzeka.

Isiphetho

Ukufanelekela ukuthola imali ebolekwayo ngokusetshenziswa kwemali yezakhiwo ezitshaliwe kudinga imibhalo ecophelelayo, ulwazi lwezezimali, kanye nokuhlelwa kwamasu.Ngokunamathela kulezi zinyathelo, ungathuthukisa ukufaneleka kwakho ukuthola imali ebolekiwe eqondana kalula nezinjongo zakho zokutshalwa kwezindlu nezindlu.Ukusebenzisana nezingcweti zemboni, ukuqonda imihlahlandlela yababolekisi, nokugcina isimo sezezimali esiqinile kuzokhulisa amandla akho okufanelekela ukubolekwa imali okungahlanganisi nje kuphela kodwa okwedlula okulindele.