Ngaba ufuna imali mboleko yendlu, kodwa awunayo ikhredithi yokutsiba uluhlu lokulinda lwebhanki?
Okanye mhlawumbi ubuhlawula imali-mboleko yakho, kodwa ngoku ujonge inzala esezantsi kunye/okanye umbolekisi owahlukileyo.
Ukuba oko kuvakala njengemeko yakho, ke ukuxhaswa ngemali kunokuba yeyakho! Funda ngakumbi malunga nokuba yintoni kunye nendlela yokuhamba ngayo kwisikhokelo sethu sabaqalayo esiluncedo ngezantsi.
Yintoni iRefinance?
Yinkqubo yokutshintsha kunye nokutshintsha imiqathango yolungiselelo lwetyala esele likho, amaxesha amaninzi yimali-mboleko okanye imali-mboleko.
Ungayisebenzisa ke imali oyityalayo hlawula enye yetyala lakho lendlu, okuthetha ukuba unako ukuthoba iintlawulo zenyanga.
Isebenza Njani iRefinancing?
Inyathelo lokuqala lokubuyisela imali kukufumanisa ukuba yimalini oyityalayo kwimali mboleko yakho ukuza kuthi ga ngoku. Ukuba usaqala ukuhlawula imali yakho yokubambisa kwaye uqalise ukwenza iintlawulo kweyona nyanga yakutsha nje, leyo yimali oza kuyidinga ukuze uhlawule.
Ngokuqhelekileyo uya kuba nenxalenye yemali ye-mortgage eseleyo emva kokuhlawula inzala.
Ukuze ufumane ezona ziphumo zibalaseleyo ezivela kwinkxaso-mali, kubalulekile ukuba ukwazi ukuqonda ngokucacileyo ukuba isebenza njani kwaye zeziphi iingenelo kunye nezithintelo onokuzilindela.
Ziziphi iiNzuzo zokuTyalwa ngokutsha kweMali?
Kukho inani leenzuzo onokuzifumana kwi-refinance, kubandakanywa:
Gcina imali
Xa uhlawule imali mboleko yakho yendlu, unokuthoba iintlawulo zakho zenyanga kwaye gcina imali kwinzala. Ukuba ufuna ukugcina imali kwikamva, oku kunokuba luncedo ngokwenene.
Umahluko phakathi kwesixa obusityalayo phambi kokuba uhlawule kwaye emva koko sisixa semali oyilondolozileyo!
Ukuguquguquka kweMali-mboleko
Ngelixa uya kuba nexesha lemali-mboleko yeminyaka engama-30 xa uhlaziya ngokutsha, oku akuthethi ukuba ibekwe ematyeni. Ukuba izinga lenzala liyehla kwakhona kwiminyaka emibini okanye emithathu, ungasebenzisa i-refinancing ukuthoba iintlawulo zakho zokubambisa kwakhona kwaye ugcine ixesha elifanayo lemali-mboleko.
Ukubeka Imali
Ukuba indlu yakho inokulingana, ukuxhaswa ngemali kunokuba yindlela eyoyikisayo yokubeka imali ongayifuniyo ngoku kwiakhawunti ekhulayo. Qiniseka nje ukuba ugcina imali ekhoyo yokuvalwa kweendleko ukuba uceba ukuvala intlawulo yakho kwiinyanga ezimbalwa ezizayo.
Ukudityaniswa kwamatyala
Ngokuxhasa ngemali kwakhona, ungadibanisa lonke ityala lakho kwimali-mboleko enye kwaye wenze iintlawulo zenyanga zibe sezantsi kakhulu. Oko kuthetha ukuba yomibini inzala yakho itshintshiwe, ngoko ke akunyanzelekanga ukuba uhlawule inzala kwimali eyongezelelweyo oyigcinileyo.
Hlawula iMali-mboleko yakho kwakamsinya
Ukuba ubuzama ukuhlawula imali-mboleko yakho ngokupheleleyo, ukubuyisela imali yindlela eyoyikisayo yokuyenza ngaphandle kokubeka esichengeni ityala lakho. Ngababolekisi abaninzi, kwezi ntsuku, uya kukwazi ukuhlawula ityala lakho le-mortgage ngokukhawuleza kunye ne-refinancing.
Ziziphi izinto ezingeloncedo ngokuFumana imali?
Kukho izinto ezingeloncedo ezahlukeneyo ekufuneka ziqwalaselwe phambi kokuba unike inkxaso-mali, njengale:
Ukunyuswa kweeNtlawulo zeNyanga
Abantu abaninzi bacinga ukuba ukubuyisela imali kuya kuthoba iintlawulo zabo zenyanga ngokuhamba kwexesha, kodwa oku akusoloko kunjalo.
Ngokuxhomekeke kwithuba elingakanani unekhaya lakho kunye nokuba imarike itshintshile kangakanani ekubeni uyithengile, ukuxhaswa ngemali kunokugcina kuphela imali encinci ngenyanga nganye.
Ixesha Elide Lemali-mboleko
Ukubuyisela imali mboleko yakho kuya kukuvumela ukuba wandise ixesha lakho lemali-mboleko ukuya kutsho kwiminyaka engama-30, kukunika ixesha elingakumbi lokuhlawula isixa-mali semali-mboleko. Le yenye into entle malunga nokuxhasa ngemali kwaye iya kukusindisa ekuhambeni kwexesha, kodwa yinto ekufuneka uyithathele ingqalelo phambi kokuba uhlawule kwakhona.
Akukho Iindleko zokuvala
Kuba ukubuyisela imali kubandakanya imali-mboleko entsha, akukho zindleko zokuvala ezibandakanyekayo.
Ungayifumana imali-mboleko ngaphandle kweentlawulo zesondlo okanye zolawulo. Nangona kunjalo, abantu abaninzi bafumanisa ukuba kufuneka bahlawule enye ibhalansi yabo eyintloko ngokukhawuleza ukuze baphephe ukuhlawula inzala kuyo.
INkxaso-mali yahluke njani kuLungiso lweMali-mboleko?
Uhlengahlengiso lwemali-mboleko lwahlukile ekuhlawuleni ngokutsha kuba lubandakanya ukucela umbolekisi wakho akuncede ekucutheni inzala okanye ukucutha iintlawulo zakho. Ukunika imali kwakhona yinkqubo eyahlukileyo enokukhokelela kwixabiso lenzala elisezantsi kunokuguqulwa kwemboleko-mali, ngoko ke kubalulekile ukwahlula phakathi kwezi zimbini.
Ukuguqulwa kwemali mboleko kuxa umbolekisi wakho ethatha imali encinci kuwe ukuze wehlise iintlawulo zakho zenyanga.
I-Refinancing, nangona kunjalo, kuxa ufaka imali-mboleko entsha ngokuchasene nexabiso lendlu yakho ukuze ukwazi ukuhlawula ezinye zezinto ozityalayo kunye neentlawulo eziphantsi.
Inkqubo yokubuyisela imali-mboleko yemali-mboleko inokwahluka ukusuka kwilizwe ukuya kwelinye ngenxa yemithetho nemimiselo eyahlukeneyo, nangona abaninimzi abaninzi bekufumanisa kulula kakhulu kunokuzama ukufumana ukuguqulwa kwemali mboleko.
isiphelo
Inkqubo yokubuyisela imali yenzelwe ukuthoba iintlawulo zenyanga kwaye inokubangela ukuba kuthotywe izinga lenzala.
Oku kunokuba yinto efanelekileyo kuwe ngokuxhomekeke kwiimeko zakho; kugqale okwakho, ukuba inengqondo na. Ngokwenza isigqibo esinolwazi, unokonga imali, uphile kamnandi kwaye wonwabele izibonelelo zengomso elingenatyala.
Shiya iMpendulo