Izindaba Zemboni

Lapho ungena enkingeni yendawo yokubolekwa kwempahla yaseMelika, umbuzo owodwa ovela kaningi abanikazi bezindlu kanye nalabo abangase babe abathengi abavame ukubuza ukuthi, "Yini engaguquki engcono kakhulu?I-Mortgage Rate?" Impendulo yalo mbuzo ingaba nomthelela omkhulu ophethe imali...

Uma kuziwa ekuthengeni ikhaya, omunye wemibuzo ebaluleke kakhulu ozobhekana nayo ukuthi, "Ingakanani indlu engingayithenga?" Ukuqonda isabelomali sakho nemikhawulo yezezimali kubalulekile ukuze uqinisekise ukuthi wenza uhlaka oluhlakaniphile futhi oluqhubekayoutshalomali. Lo mhlahlandlela uzokusiza...

Ukuzulazula kuchwepheshe wokuthenga ikhaya noma wokubuyisela imaliLEZIs kuhilela izinyathelo ezimbalwa ezibalulekile, esinye sazo ukuhlola ikhaya. Ukuqonda inqubo yokuhlolwa kwekhaya kanye nezindleko kubalulekile kubo bobabili abathengi nabathengisi ukuze kuqinisekiswe ukuthengiselana okufanelekile nokushelelayo....

Ukuzulazula endaweni ye-mortgage kungaba inselele, ikakhulukazi kubathengi abafuna ukusebenzelana nababolekisi abanikeza amanani okuncintisana nezinkokhelo eziphansi. Ukuthola ababolekisi abanezimali eziphansi zabathengi kungaba nomthelela omkhulu enzuzweni yebhizinisi lakho a...

Ukufaka isicelo semalimboleko kumashonisa wezindlu kungase kubonakale kunzima, kodwa ukuqonda inqubo kungayenza ibe bushelelezi kakhulu. Kungakhathaliseki ukuthi ungumthengi wokuqala wezindlu noma ufuna ukuxhasa ngezimali, ukwazi ukuthi usifaka kanjani isicelo semali mboleko kumabolekisi wezindlu kubalulekile. T...

Lapho uzulazula esimweni se-mortgage, ababoleki bavame ukufuna izindlela zokunciphisa amanani abo enzalo kanye nezindleko zabo zonke zemalimboleko. Isu elilodwa elisebenzayo ukusebenzisa izinketho zokuthenga amanani ekubolekeni kwezitolo ezinkulu. Lesi sihloko sihlola umqondo wokuthengwa kwesilinganiso ...

Uma kuziwa ekutholeni imali ebolekiwe, ukukhetha kombolekisi kungenza umehluko omkhulu. Kubathengi abaningi, ababolekisi bezitolo ezinkulu sebeyinketho yokuya kuyo ngenxa yamanani abo okuncintisana nemibandela eguquguqukayo. Kulesi sihloko, singena ekuhlolweni komthengisi...

Emhlabeni oguquguqukayo wokutshalwa kwezimali kwezakhiwo, ukuthola uxhaso olufanele kubalulekile ukuze uphumelele. Kubatshalizimali abaningi, iziqu zendabuko zemalimboleko ezisekelwe emalini engenayo yomuntu siqu kanye nokuqashwa zingaba nemingcele. Nokho, kukhona okunye ukuthi...

Emakethe yezindlu ehlala ishintsha, ukuthola uxhaso lwezimali kuvame ukuba umsebenzi onzima, ikakhulukazi kulabo abangenawo umsebenzi ovamile noma ababhekana nezinselele ngezilinganiso zesikweletu-to-income (DTI). Ngenhlanhla, kunezinketho zokubolekwa kwemali ezintsha ...

Ukuzulazula endaweni yokutshalwa kwezindlu kungaba yinselele, ikakhulukazi uma kuziwa ekutholeni uxhaso lwezimali. Kubatshalizimali abafuna ukukhulisa amathuba abo, ukuqonda amayunithi e-DSCR 5-9 kanye nemalimboleko engadingi imali yomuntu siqu kungaba ...