Ingabe uyayidinga imali mboleko yezindlu, kodwa awunayo isikweletu sokweqa uhlu lokulinda lwebhange?
Noma mhlawumbe ubukhokha imali mboleko yakho, kodwa manje ufuna inzalo ephansi kanye/noma omunye umbolekisi.
Uma lokho kuzwakala njengesimo sakho, khona-ke ukubuyisela imali kungase kube okwakho! Funda kabanzi mayelana nokuthi iyini nokuthi ungayenza kanjani kusukela kugayidi yethu yabaqalayo ewusizo engezansi.
Iyini i-Refinance?
Kuyinqubo yokushintsha kanye nokushintshanisa imigomo yelungiselelo lesikweletu elikhona, ngokuvamile imalimboleko noma i-mortgage.
Ungasebenzisa imali oyikweletayo khokha esinye sezikweletu zakho zamanje ze-mortgage, okusho ukuthi ungakwazi ukwehlisa izinkokhelo zanyanga zonke.
Isebenza Kanjani I-Refinancing?
Isinyathelo sokuqala sokuthola kabusha imali ukuthola ukuthi ukweleta malini emalimboleko yakho kuze kube manje. Uma usaqala ukukhokha imali yakho yendlu futhi uqale ukukhokha enyangeni yakamuva, lelo inani oyolidinga ukuze ukhokhe kabusha.
Ngokuvamile uzoba nengxenye yemali ye-mortgage esele ngemva kokukhokha inzalo.
Ukuze uthole imiphumela engcono kakhulu etholakala ngokunikezwa kabusha kwezimali, kubalulekile ukwazi ukuqonda ngokucacile ukuthi kusebenza kanjani nokuthi yiziphi izinzuzo nezihibe ongazilindela.
Yiziphi Izinzuzo Zokuthola kabusha Izimali?
Kunezinzuzo eziningi ongazithola ekunikezeni kabusha imali, okuhlanganisa:
Eqela ngaphezulu
Lapho ubuyisela imali yakho ebolekiwe yokuthenga ikhaya, ungakwazi ukwehlisa izinkokhelo zakho zanyanga zonke futhi wonge imali ethile ngesithakazelo. Uma ufuna ukonga imali yesikhathi esizayo, lokhu kungase kuzuzise ngempela.
Umehluko phakathi kwenani obulikweleta ngaphambi kokubuyisela futhi nangemuva inani lemali oyongile!
Ukuguquguquka Kwemalimboleko
Nakuba ngokuvamile uzoba nesikhathi sokubolekwa iminyaka engu-30 uma ufaka kabusha, lokhu akusho ukuthi kubekwe etsheni. Uma izinga lenzalo lehla futhi eminyakeni emibili noma emithathu, ungasebenzisa i-refinancing ukuze wehlise izinkokhelo zakho ze-mortgage futhi ugcine isikhathi esifanayo semalimboleko.
Ukukhipha Imali
Uma indlu yakho inokulingana, ukubuyisela imali kungaba indlela enhle kakhulu yokufaka imali ongayidingi njengamanje ku-akhawunti ekhulayo. Vele uqiniseke ukuthi ugcine imali ethile itholakala yezindleko zokuvala uma uhlela ukuvala ukukhokha kwakho kabusha ezinyangeni ezimbalwa ezizayo.
Ukuhlanganiswa Kwezikweletu
Ngokuxhasa ngezimali kabusha, ungakwazi ukuhlanganisa sonke isikweletu sakho ube yimalimboleko eyodwa futhi wenze izinkokhelo zanyanga zonke zibe phansi kakhulu. Lokho kusho ukuthi zombili izilinganiso zenzalo zakho azishintshi, ngakho asikho isidingo sokuthi ukhokhe inzalo emalini eyengeziwe oyilondolozile.
Khokha Imali Yakho Yezindlu Maduze
Uma ubuzama ukukhokha imali mboleko yakho ngokugcwele, ukubuyisela imali kuyinketho enhle kakhulu yokukwenza ngaphandle kokufaka isikweletu sakho engozini. Ngababolekisi abaningi, kulezi zinsuku, uzokwazi ukukhokha isikweletu sakho se-mortgage ngokushesha ngokufaka kabusha imali.
Yimiphi Imibi Emibi Yokubuyisela Izimali?
Kunobubi obuhlukahlukene okufanele bucatshangelwe ngaphambi kokubuyisela imali, njengokuthi:
Izinkokhelo zanyanga zonke ezinyusiwe
Abantu abaningi bacabanga ukuthi ukubuyisela imali kuzokwehlisa izinkokhelo zabo zanyanga zonke ngokuhamba kwesikhathi, kodwa lokhu akuhlali kunjalo.
Kuye ngokuthi unesikhathi esingakanani unomuzi wakho nokuthi imakethe ishintshe kangakanani kusukela uyithengile, ukubuyisela imali kungase kukugcinele imali encane ngenyanga.
Isikhathi Eside Semalimboleko
Ukubuyisela imali ebolekiwe kuzokuvumela ukuthi welule isikhathi sakho semalimboleko sifike eminyakeni engama-30, kukunike isikhathi esengeziwe sokukhokha yonke isamba semalimboleko. Lena enye into enhle mayelana nokubuyisela imali futhi izokusindisa ngokuhamba kwesikhathi, kodwa yinto okufanele uyicabangele ngaphambi kokubuyisela kabusha imali.
Azikho Izindleko zokuvala
Njengoba ukubuyisela imali kuhilela ukubolekwa imali entsha, azikho izindleko zokuvala ezihilelekile.
Ungathola imali ebolekiwe ngaphandle kwezindleko zesondlo noma zokuphatha. Nokho, abantu abaningi bathola ukuthi kudingeka bakhokhe enye yebhalansi yabo eyinhloko ngokushesha ukuze bagweme ukukhokha inzalo kuyo.
I-Refinancing Ihluke Kanjani Ekuguqulweni Kwemalimboleko?
Ukuguqulwa kwezimali mboleko kuyahluka ekunikeni kabusha imali ngoba kuhilela ukucela umbolekisi wakho usizo lokunciphisa izinga lakho lenzalo noma ukunciphisa izinkokhelo zakho. Ukubuyisela imali kuyinqubo ehlukile engaholela esilinganisweni senzalo esiphansi kunokuguqulwa kwemalimboleko, ngakho kubalulekile ukuhlukanisa phakathi kwakho kokubili.
Ukuguqulwa kwemali mboleko yilapho umbolekisi wakho ethatha imali encane kuwe ukuze ehlise izinkokhelo zakho zanyanga zonke.
I-Refinancing, nokho, yilapho ufaka imali mboleko entsha ngokumelene nenani lomuzi wakho ukuze ukwazi ukukhokha ezinye zezinto ozikweletayo kanye nezinkokhelo eziphansi.
Inqubo yokubuyisela kabusha i-mortgage ingase ihluke kusukela kuhulumeni kuya kwesinye ngenxa yemithetho nemithethonqubo ehlukene, nakuba abanikazi bezindlu abaningi bakuthola kulula kakhulu kunokuzama ukuthola ukuguqulwa kwemali mboleko.
Isiphetho
Inqubo yokukhokha kabusha iklanyelwe ukwehlisa izinkokhelo zanyanga zonke futhi ingase ibangele inani lenzalo eliphansi lilonke.
Lokhu kungase kube enye indlela efanelekile kuwe kuye ngezimo zakho; cabangela okwakho ukuze ubone ukuthi kunengqondo yini. Ngokwenza isinqumo unolwazi, ungonga imali, uphile ngokunethezeka futhi ujabulele izinzuzo zekusasa elingenazikweletu.
shiya impendulo