Amagama afanelekileyo kunye nokuvunywa kwangaphambili kuphantse kuvakale ngathi anokuba zizithethantonye. Kodwa xa kufikwa kumba wezezimali ekhaya, kukho umahluko omkhulu phakathi kwezi zimbini-kwaye ukufumana ukuvunywa kwangaphambili kwemali-mboleko yeyona nto ikusondeza kwitafile yokuvala.
Cinga ngale ndlela: Ukufumana ulungelelwaniso kufana nokuthatha amanyathelo omntwana ekufumaneni imvume yokubambisa. Ubiza umbolekisi, uxele ingxelo yakho ngetyala, kwaye uthumele ulwazi malunga nomvuzo wakho. Kwelinye icala, umbolekisi ukunika umbono wokuba ungafikelela phi.
Umahluko osisiseko kukuba isiqinisekiso sangaphambi kwesiqhelo sihlala sisekwe kwincoko yomlomo ekhawulezileyo malunga nemeko yezemali yomthengi. Kulungile kuphela njengeempendulo ezinyanisekileyo zomthengi, ucacisa uAndrew Fortune, umnini kunye nomrhwebi YObuHiHome.com. Ukwamkelwa kwangaphambili kuhlala kusekwe kumaxwebhu emali aqinisekisa iimpendulo zomthengi. Inokuthenjwa ngakumbi.
Amaxesha amaninzi, abathengi bemizi yokuqala bekholelwa ngempazamo ukuba ukulungela kwangaphambili kunye nokuvunywa kwangaphambili yinto enye, uFortune uthi.
Ukuba umbolekisi uxelela umthengi okokuqala ukuba balungele kwangaphambili, ngamanye amaxesha baya kuyithatha njengesiqinileyo 'Ewe, ndingayithenga indlu!,' Utsho uFortune. Inokuba buhlungu kamva xa umbolekisi ejonga ukuqinisekisa ityala lakhe kunye namaxwebhu engeniso kwaye umthengi akavunyelwanga ngokwenyani.
Ke, kwenzeka ntoni kanye phakathi kwamanqanaba afanelekileyo kunye nokuvunywa kwangaphambili?
Eli lixesha apho uqala ukuqokelela onke amaxwebhu afunekayo, ucacisa uBrendan McKay, umnini we Inkampani kaMcKay yeMortgage , umrhwebi wobambiso kwi-Bethesda, Maryland. Ukwamkelwa kwangaphambili kwenzeka emva kokuba ubonelele ngamaxwebhu afana nezitepi zokuhlawula, iingxelo zebhanki, iifom zerhafu, kunye neeW2s, kwaye igosa lemali mboleko liye lakama kuyo yonke into kwaye lakunika isibane esiluhlaza.
Kodwa, lumkiswa kwangaphambili: Izinto ezimbalwa zinokungahambi kakuhle phakathi kwamanqanaba afanelekileyo kunye nokuvunywa kwangaphambili.
Umzekelo, impazamo enye edlalwa ngabantu ngexesha langaphambi kokufumana iziqinisekiso kukuxhomekeka kwiingxelo zekhredithi yomntu wesithathu (ngaphandle kwegosa, ingxelo yonyaka-simahla onokuyifumana kwenye yezi ofisi zintathu ziphambili ycvnusaxang.com ), Ezaziwa ngokufaka amanqaku, utsho UPaul Wood , umthengisi onelungelo lokuthengisa izindlu nomhlaba kwiSixeko saseNew York.
Amaxesha amaninzi umthengi uya kubonelela ngengxelo yasimahla yasimahla, kwaye uphando olunzima lubuya luye ezantsi, uWood uqaphele. Kananjalo, uthi, izimvo ezingalunganga ezifana nentlawulo ephosiweyo zihlala zilinganiswa kakhulu yibhanki ngelixa isenokungabi yinxalenye enkulu yengxelo yetyala, utshilo uWood.
Enye impazamo rookie? Ukuvula ikhadi lebhanki letyala ukuthenga ifenitshala okanye ukuqeshisa imoto entsha ngelixa kwangaxeshanye kwintengiso yezemali ekhaya. Ezi ntshukumo zinokubopha ikhredithi yakho kunye nokuncipha ngomlinganiselo wengeniso-to-ityala.
Ukuthenga naziphi na izinto ezinkulu ezinokuchaphazela ikhredithi 'ngu-hayi' omkhulu xa kuziwa ekulungiseleleni ivenkile yasekhaya, utshilo uKim Howard, umrhwebi wezindlu nomyeni wakhe, owasungula Amakhaya kaHoward eChicago.
Ngaphambi kokuba ufumane ukufaneleka kwangaphambili, unokufumana indlu yakho yemali ngokufanelekileyo.
Unyaka omnye uphume ixesha elifanelekileyo lokuba uqale ngokubeka iliso kwikhredithi yakho, ufumane inyani malunga nentlawulo yakho, kunye nokuthetha nengcali yezindlu nomhlaba ukuqonda inkqubo, utshilo uHoward. Yiya phambili kwaye uqhagamshele kunye nomboleki-mboleko kwinto ekude apha, nayo, ukuze wazi ukuba kulindelwe ntoni. Umzekelo, ukuqonda ukuba umsebenzi osekwe kwikhomishini unokuchaphazela amandla akho okuthenga ngokwahlukileyo kunomsebenzi osekwe kumvuzo kuya kukunceda ucwangcise inkqubo yokubolekisa, utshilo.
Kwakhona, ngaphambi kokuba ufake isicelo semali mboleko yekhaya, ungaqala ukubhatala iibhalansi kumakhadi akho etyala avulekileyo, utshilo uRandall Yates, umseki kunye ne-CEO ye Inethiwekhi yababolekisi , kwindawo yentengiso yemboleko ekwi-intanethi.
Inani lekhredithi ekhoyo oyisebenzisayo yenza iipesenti ezingama-30 zamanqaku akho onke etyala, utsho uYates. Zama ukugcina iibhalansi zakho zingaphantsi kweepesenti ezingama-20 zomda wekhadi lakho.
Kwakhona, xa kuziwa ekusebenzeni nababolekisi bemali mboleko ngexesha lenkqubo yokulungiselela kwangaphambili, ukunyaniseka yeyona nkqubo ilungileyo. UPeter Grabel, umlawuli olawulayo we Inkampani Luxury Mortgage Corp. , ithi injongo kukuvala imali mboleko yakho kakuhle kangangoko. Eyona ndlela yokwenza oko kukuphepha nakuphi na ukumangaliswa ekuveleni. Yiba ngaphambili ukuba uhlawula i-alimony, une-tax lien, ufumene isipho semali kwilungu losapho okanye, heck, ubenetikiti lokupaka eligqibeleleyo.
Kukwabalulekile ukuba uqonde ukuba ii-hiccups zinokuvela nasemva kwenkqubo yokuvunywa kwangaphambili kunye nokuphononongwa kwabangaphantsi.
Umzekelo, ngelixa kunqabile, ukuba ulahlekelwa ngumsebenzi okanye uyeke iveki yokuvala, imvume yakho inokuba sengozini, ucacisa uGrabel. Ababolekisi bahlala beqinisekisa ubungqina bengqesho obukhokelela ekuvalweni.
Ukuthatha, apha? Ukuqhawula ukuba isiqinisekiso sangaphambi kokufika kwinqanaba lokuqala kumanqanaba amaninzi ngaphambi kokuba uvale kwindlu.
Yintoni intsingiselo ye-111
