Ukufumanisa isixa semali ekhayeni lakho, ithiyori, ngumsebenzi olula. Thatha isixa semali ikhaya lakho lixabisa kwaye uthabathe isixa semali osatyalayo kwikhaya lakho, kwaye eli nani lixabiso lokulingana ekhayeni lakho (ixabiso-mali eshiyekileyo = ukulingana). Xa zonke izinto zithathelwa ingqalelo, nangona kunjalo, umsebenzi wokumisela ubulungisa uya usiba nzima ngakumbi.
Ixabiso leKhaya lakho
Ikhaya lakho lisenokungakulungeli oko ucinga ukuba kufanelekile. Ngelixa isixa semali obusibhatalele ikhaya lakho ekuqaleni ngokuqinisekileyo sinokuba yinto yexabiso kwikhaya lakho, xa ucinga ubulungisa kwikhaya lakho kuya kufuneka uthathele ingqalelo Ixabiso lentengiso Yekhaya lakho.
Amanqaku afanelekileyo- Yintoni iMboleko-mali yesiBini?
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- Lixabiseke Kangakanani Ikhaya Lam
Izinto ezichaphazela ixabiso leMarike
Ixabiso lentengiso yekhaya lakho sisixa semali umthengi anokuthi akulungele ukuhlawula ikhaya lakho ngoku. Iiarhente ezithengisa izindlu zithelekelela amaxabiso entengiso asekwe kwizinto ezahlukeneyo, kubandakanya:
- IiKhomputha: Ixabiso elithelekisekayo (iicomps) zentengiso yamva nje kwindawo efanayo yamakhaya afanayo inokuba sisalathiso sexabiso. Umzekelo, ukuba ikhaya lakho liyafana namanye amakhaya ebumelwaneni asandula ukuthengisa nge-200,000 yeedola, ngaphandle kokuba kukho izinto ezinkulu ezenza ukuba ikhaya lakho lixabise ngakumbi, kusenokwenzeka ukuba ixabiso lentengiso yekhaya lakho likufutshane ne- $ 200,000.
- Umqathango: Ukuba enye okanye ezimbini (okanye nangaphezulu) zolungiso olubalulekileyo luyafuneka ekhayeni lakho, ixabiso lentengiso linokuhla.
- Isibheno: Izinto ezinokushenxisa isibheno sekhaya lakho, njengokujonga 'ngokubanzi' kunye nesithili sesikolo ikhaya elikuyo, zinokuchaphazela ixabiso lentengiso.
Ukuchongwa kweXabiso leMarike
Kukho iindlela ezimbalwa zokumisela ixabiso lentengiso lekhaya lakho:
- Uvavanyo lweRealtor: Nxibelelana nearhente yokuthengisa izindlu nomhlaba kwaye ucele kuvavanyo lwexabiso lentengiso. Uninzi lwearhente yokuthengisa izindlu nomhlaba inokukunika inani lebalpark lexabiso lentengiso yekhaya lakho ngokukuxelela ukuba leliphi inani abacinga ukuba liya kulithengisa.
- Uvavanyo lweRhafu: Ukuphonononga uvavanyo lwakho lwerhafu lwamva nje. Uninzi lweengcali zemboleko mboleko ziyavuma ukuba ixabiso lovavanyo lwerhafu ngokwenene kancinci kancinci Ngaphandle kwexabiso lentengiso, kodwa oku kunokuba sisiqalo esihle sokuqala.
- Uqikelelo lwe-Intanethi: Iiwebhusayithi ezinje Zillow iya kubonelela ngoqikelelo lwexabiso lentengiso ngokusekwe kwizinto ezininzi kubandakanya uvavanyo lwerhafu lwakutsha nje kunye neenkampani.
- Uvavanyo: Kuqikelelo oluchanekileyo lwexabiso lentengiso yekhaya lakho, qesha a umvavanyi wasekhaya oqeqeshiweyo ukwenza uvavanyo olupheleleyo lwekhaya lakho.
Ubambiso kunye neMali mboleko
Emva kokuba unombono olungileyo wexabiso lentengiso lekhaya lakho, kuya kufuneka uqwalasele isixa semali osityala sona kwaye usikhuphele kwixabiso lentengiso ukumisela ubulungisa bakho. Ukwenza oku, qaphela yonke imali mboleko ekuya kufuneka uyihlawule xa uthengisa indlu.
Imali mboleko yokuqala
Ubambiso lwakho lokuqala lolona tyalo mali lubambekayo kwikhaya lakho. Oku kukubolekwa kwemali mboleko oyifumene xa uthenga ikhaya, okanye imali mboleko ebuyiselweyo.
Ukufumana isixa osityalayo kwimali mboleko yakho yokuqala, qhagamshelana nombolekisi wakho okanye umncedisi. Banokukubonelela ngamabhalansi amabini: ibhalansi yemali mboleko kunye nokuhlawulwa kwemali eseleyo.
- Ibhalansi yemali mboleko lelona lixa lokubolekwa kwakho kwemali mboleko yokuqala ngexesha olicelayo.
- Intsalela yokubhatalwa sisixa esiya kuthathela ingqalelo nayiphi na inzala eya kuthi inyuke ngaphambi kokuba kwenziwe intlawulo. Umzekelo, umbolekisi okanye i-servicer inokukunika ibhalansi yeentsuku ezilishumi, eyimali onokuyihlawula kwisithuba seentsuku ezilishumi ukuze uhlawule ngokupheleleyo imali mboleko. Emva kwezo ntsuku zilishumi, ibhalansi yentlawulo iphela.
Ngeenjongo zokufumanisa ukuba unamalini kwikhaya lakho, ibhalansi yemali mboleko yesiqhelo kufuneka yanele.
Ubambiso lweSibini
Imali mboleko yesibini, ekwabizwa ngokuba yimali mboleko yokulingana kunye neendlela zokulingana zekhredithi, zizongezo zobambiso ozifumanayo ngokusekwe kulingano kwikhaya lakho. Ezi mali-mboleko zisebenzisa ubulungisa ekhayeni lakho njengesibambiso, kwaye ke ngoko kufuneka ziqwalaselwe xa kumiselwa ukuba yeyiphi imali enayo ngoku.
Imigca ye-equity yekhredithi iyinkohliso encinci xa kuziwa ekufumaneni i-equity eseleyo. Kuba le yimigca ejikelezayo yekhredithi, kwaye ibhalansi yetyala iyafumaneka kuwe nokuba awuyisebenzisi, ixabiso elipheleleyo lomgca wekhredithi okhoyo unokuqwalaselwa xa ucinga isibophelelo sakho semali mboleko.
Umzekelo: Masithi unekhaya elinamaxabiso entengiso angama- $ 200,000. Unemali mboleko yokuqala yokubolekwa kwemali kwixabiso leedola eziyi-100,000 kunye nomgca wokulingana wekhredithi ofumanekayo kuwe kwisixa seedola ezingama-25,000. Unemali eseleyo kumgca wokulingana kwekhredithi ye- $ 5,000.
ubunzima bomndilili wentombazana eneminyaka eli-17 ubudala
- Ukuba umbolekisi ujonge oku kwaye ucinga ukwamkela enye imali-mboleko esekwe kwimali yendlu yakho, kusenokwenzeka ukuba umbolekisi uyakukhupha yonke imali eseleyo kuwe ($ 25,000) kwi-equity yakho efumanekayo endaweni yemali osibamba yona kumgca wokulingana wekhredithi ($ 5,000).
- Endaweni yokuba ne-equity ye-95,000 yeedola ($ 200,000- $ 100,000- $ 5,000 = $ 95,000), umbolekisi uthathela ingqalelo isixa semali yakho njenge- $ 75,000 ($ 200,000- $ 100,000- $ 25,000 = $ 75,000).
Ubulungisa boKwakha
Ubulungisa bukhula xa ixabiso lekhaya lonyuka okanye ibhalansi yemali mboleko ehambelana nokuhla kwekhaya. Ubulungisa bunokuncipha kwakhona ukuba ikhaya lihla ngexabiso, nokuba kungenxa yokuguquguquka kwemarike, okanye ikhaya liwela kulungiso okanye esinye isizathu.
Ukuba eyona njongo yakho iphambili kukuzama ukwakha ubulungisa ekhayeni lakho, unokukhetha ezimbalwa:
- Hlawula imali mboleko (kunye nayo nayiphi na imali mboleko yesibini onayo ekhaya.
- Qinisekisa ukuba ikhaya likwimeko entle.
- Qinisekisa ukuba ikhaya lihlaziywa kwaye libonakala linomdla, ugcine engqondweni ukuba abanyeuphuculo lwasekhayabanefuthe elikhulu kwixabiso kunabanye.
Ixesha ikwayindlela yokwakha ubulungisa, ukuba nje uza kwenza intlawulo njengoko kucwangcisiwe kwaye ikhaya lakho liyayixabisa ixabiso, kodwa ungayikhawulezisa inkqubo ngentlawulo eyongezelelweyo kunye nokuphuculwa kwekhaya eyilelwe ukonyusa ixabiso lekhaya lakho.
Elula, kodwa inzima, ukulingana
Yintoni ekufuneka ichanekile ngokuthe ngqo Inxaki Kunzima kakhulu ukuba kubonakala ngathi, ngokuyinxenye kuba ukuthengiswa kwezindlu nomhlaba kungathengisa ngokutshintsha kakhulu. Ixabiso lekhaya lakho linokunyuka kunye nokuhla ngokusekwe kwizinto ezininzi, ezinje ngophuhliso lwamva nje, kufuneka ukulungiswa kunye nokunye. Kude kube umthengisi avume ukuthenga ikhaya lakho, ngekhe wazi ukuba likhaya lakho lifanele ntoni ukuya kwi penny. Ngenxa yoku, uqikelelo lwakho lwamakhaya akho malingakanani imali injalo - luqikelelo.
