Njengomgaqo oqhelekileyo, xa usiya kwinkqubo yokubambisa, ufuna ukugcina imeko yakho yezemali izinzile. Kungenxa yoko le nto ukukhupha, yithi, imali mboleko yemoto ngexesha lenkqubo yokuvunywa kwempahla inokufana nokutsala ibhloko yokugqibela yeJenga ebangela ukuba inqaba yonke iwise; eyakho Umyinge wamatyala ukuya kwingeniso ubuthathaka !
Ababolekisi bakuthanda ngokupheleleyo ukungaguquguquki, kwaye, kwihlabathi elifanelekileyo, bayathanda ukubona umlando ozinzileyo weminyaka emibini yengqesho. Kodwa awudingi ukuba sikuxelele ukuba unyaka odlulileyo awukhange uqikelele. I-COVID-19 ithumele umothuko ngoqoqosho lwase-US, itanki yonke kwimizi-mveliso kwaye ikhokelela kwizigidi zokuphulukana nemisebenzi.
Usenokuzibuza: Ngaba ndingasakulungela ukubolekwa imali xa ndinomsebenzi emsebenzini? Impendulo, ngokweengcali zeentengo zemboleko-mali, inokwenzeka kakhulu, kodwa ngeempawu ezimbalwa kunye nokubhala amaphepha ongezelelweyo.
Ukuba unomsebenzi osisigxina kwinkampani ongenayo kwaye ufumana umvuzo nge-W-2 ekupheleni konyaka, isithuba kwingqesho asizukuchaphazela ukuba ukulungele na ukufumana ingqesho, utsho ubambiso broker Jeffrey Loyd, inqununu e Ubungakanani beMali mboleko .
Ileta yenkcazo iyimfuneko ukuba umsantsa ungaphezulu kweentsuku ezingama-30, kodwa unokuthi ngokulula ubufuna umsebenzi omtsha ngesizathu esikhawulezileyo sokuba uwushiye lo msebenzi mdala, utsho uLoyd. Okuncinci kuninzi xa kufikwa kwezi nkcazo.
Ukuba kunokwenzeka ufumane umsebenzi ongcono ngelixa uthengela imali mboleko, ungangenisa ileta yakho yesibonelelo wakube ifunyenwe, utshilo uLoyd. Isikhwama sokuqala somvuzo emsebenzini omtsha sinokuqinisa isicelo sakho.
Nangona kunjalo, ukuba usandul 'ukubekwa emsebenzini, kuya kuba nzima ukulungela ukubambiswa ngenxa yokuba ukungaqeshwa kungabalwa njengengeniso yexesha elide. Ababhalisi bafuna ukubona umvuzo uqhubeka ngokungenammiselo, uLoyd ucacisa.
Ukuba ubusanda kuphangela, ukuba nomboleki-mali kungawomeleza amathuba akho okufumana imali-mboleko yokuthenga indlu, uyacacisa uAndrina Valdes, COO weCornerstone Home Lending, Inc. Kodwa ukuba uyazisebenza kwaye ishishini lakho liyehla, izinto zinokufumana i-dicier encinci.
Ngenxa yokuthintelwa kokubhalwa phantsi kokuphunyezwa kwasekuqaleni kokutshixeka kwe-COVID, abantu abaziqeshileyo nabasebenza ngokukhululekileyo baye bafumana ukungcangcazela kakubi, uLoyd ucacisa. Kuqhelekile ukuba ababoleki abaziqeshileyo badinga irekhodi eliqinisekileyo lokufumana umvuzo ukuze bafumane imali mboleko. Ngoku amashishini amaninzi asokolayo, le nkqubo inemiqobo engaphezulu. Ababolekisi bafaka iliso ngakumbi kubabolekisi abaziqeshileyo, befuna iingxelo zebhanki yeshishini, utshilo uLoyd.
Ukuba ubusebenze ngokwakho ungaphantsi kweminyaka emibini, unokufuna ukuphonononga ukhetho lwe-mortgage (non-QM) olungafanelekanga, utshilo uLoyd. Le yimali mboleko yezindlu eyenzelwe ukunceda abathengi abanomvuzo onokuthi uguqule inyanga nenyanga, kwaye ngamanye amaxesha beza ngenzala ephezulu.
Enye imeko inokuba yeyokuba usandul 'ukugqiba ikholeji kwaye awukabi nayo iminyaka emibini yembali yomsebenzi. Imali mboleko ye-FHA, eyaziwa ngokuba yeyokuqala-ukuthenga umthengi, inokuba yindlela elungileyo yemali mboleko kuba ayifuni imbali yeminyaka emibini yengqesho, utshilo uValdes. Ukubhala uxwebhu lwesikolo sakho kunganceda ukugcwalisa izikhewu zengqesho, uyacacisa.
Umgaqo olungileyo wesithupha: Nanini na xa umfanekiso wakho wezezimali utshintsha (okanye unokutshintsha), jongana negosa lakho lemali mboleko ukuze ufumane isikhokelo kwaye uqonde ukuba iyakuchaphazela njani ukuvunywa kwakho.
