Ungakwazi yini ukukhokhela kabusha i-mortgage ngesikweletu esibi?

Kunezizathu eziningi zokuthi kungani umuntu angase afune ukuxhasa ngezimali kabusha, noma ngabe ukwehlisa inkokhelo yakhe yanyanga zonke noma ukonga imali yenzalo. Kungase kube nzima kakhulu ukukhokhela kabusha i-mortgage ngesikweletu esibi, kodwa kusengenzeka. Uma isikolo sakho sesikweletu singekho lapho usifuna khona, lawa macebiso angakusiza ukuthi uthole imali mboleko ye-refinance.

Kungani umuntu engafuna ukukhokhela kabusha imali ebolekiwe ngesikweletu esibi?

Kunezizathu eziningi zokuthi kungani umuntu angase afune ukukhokhela kabusha imali ebolekiwe, ngisho noma enesikweletu esibi.

Ukuze uthole uhlobo lwentshisekelo ephansi

Amamodeli we-mortgage ngo-2020 ehlele ezingeni eliphansi kakhulu kusukela ngaleso sikhathi izimo eziphansi kakhulu emlandweni. Ngenxa yalokho, abantu bafaka kabusha imali inombolo yerekhodi ukuxhaphaza amanani. Ezimweni eziningi, lapho i-Federal Reserve yehlisa amamodeli, abantu abaningi kungenzeka baphinde baxhase. Lokhu kungenxa yokonga.

Izinga lenzalo eliphansi kakhulu lingasindisa abanikazi bezindlu izigidi zamaRandi phakathi nokuphila kwesikweletu, ngakho-ke akumangalisi ukuthi abantu, ngisho nalabo abanezikweletu ezimbi, bafuna ukulisebenzisa ngokunenzuzo leli thuba.

Ukuze wehlise inkokhelo yakho yanyanga zonke

Uma izinkokhelo ze-mortgage zomuntu zingafinyeleleki, ukubuyisela kabusha kungasiza ekunciphiseni. Lokhu kungenzeka ngenxa yezinga lenzalo eliphansi noma isikhathi eside semalimboleko.

ukuqoqa

I-cash-out refinance yilapho umuntu eshintsha imali yakhe ebolekiwe afake imali mboleko entsha ngenani elikhulu kunaleyo ayikweleta namuhla. Bese bethatha imali eyeqile ngokheshi. I-Cash out refinances ingasiza abantu ukuthi bathuthukise amakhaya abo, bahlanganise izikweletu, nokunye okuningi.

Uyikhokha kanjani kabusha i-mortgage ngesikweletu esibi?

Nazi ezinye izinyathelo zangempela okufanele uzinikeze ukuze uxhase kabusha i-mortgage embi yesikweletu.

Khuluma nombolekisi wakho wamanje

Uma unquma ukukhokhela kabusha i-mortgage yakho, faka isicelo kuqala nombolekisi wakho wamanje. Abafuni ukulahlekelwa ibhizinisi lakho, ngakho-ke bangase bazimisele kakhulu ukusebenza nawe kunabanye ababolekisi.

Sesikushilo lokho, ungakwamukeli ngokuzenzakalela okunikezwayo abakunikeza khona ngaphandle kokukubheka futhi.

Faka isicelo se-FHA refinancing

Uhulumeni wobumbano uqinisekisa ukubolekwa kwe-FHA. Banciphisa ubungozi bomboleki, bamenze azimisele kakhulu ukunikeza imali kubantu abanezikweletu ezimbi. Ungakwazi ukubuyisela kabusha ngenqubo ye-FHA noma ngabe i-mortgage yakho yamanje iyimali mboleko ye-FHA noma cha.

Cabangela i-VA noma i-USDA refinance loans, uma kufanele

Isayithi UMnyango Wezindaba Zomakadebona usekela izikweletu ze-VAngenkathi UMnyango Wezolimo usekela izikweletu ze-USDA. Zombili zinikeza abantu amathuba okuba bathole imali yokubolekwa ngesikhathi lapho bebengeke bakwazi ukwenza kanjalo.

Baphinde bashiye izinketho zokuthola kabusha imali. Ngokungafani nemalimboleko ye-FHA, kufanele uhlangabezane nemibandela ecacile kakhulu ukuze ufanelekele enye yalezi mboleko.

Thola i-cosigner

Uma ungakwazi ukufanelekela ukubolekwa imali kabusha ngokwakho, ungase uthande ukucabanga ngokungeza i-cosigner. I-cosigner umuntu ovuma ukukhokha uma ungakwazi (noma ungafuni).

Ukuba nomuntu osayine ngokubambisana ngesikweletu sakho semalimboleko kungadambisa ukukhathazeka okuthile kubabolekisi bezindlu. Inkinga iwukuthi ukubolekwa kwempahla kuyisibopho esikhulu, futhi ungase ukuthole kunzima ukuthola othile ozimisele ukuthatha lesi sibopho.

Ungakhetha lo mzila kuphela uma uqiniseka ngokuphelele ukuthi ungakwazi ukukhokhela izinkokhelo.

Thuthukisa isikolo sakho sesikweletu

Ngokuhamba kwesikhathi, ungathola ukuthi amaphuzu akho esikweletu akuvimbela ukuthi ungene emalimboleko entsha. Uma kunjalo, ungahlehlisa ukukhokha kwakho kabusha ukuze ugxile ekuthuthukiseni isikolo sakho sesikweletu.

Imaphi amathiphu abalulekile ongayilandela ukuze uthuthukise isikweletu sakho?

Uma isikolo sakho sesikweletu sikuvimbela ekubuyiseleni kabusha imali yakho yendlu, kunezinyathelo ongazithatha ukuze ukhuphule leyo nombolo.

Khokha wonke ama-invoyisi angakhokhiwe

Uma unezikweletu ezingakhokhiwe (noma sekwephuzile) embikweni wakho wesikweletu, isinyathelo sokuqala ukuzikhokhela. Azohlala embikweni wakho wesikweletu iminyaka eyisikhombisa, kodwa umaka ukuthi akhokhelwe kuzosiza amaphuzu akho esikweletu.

Khokha izikweletu zakho ngesikhathi

Umbiko wakho wesikweletu utshela ababolekisi ukuthi kungenzeka yini uhlangabezane nezinkokhelo zakho zanyanga zonke. Ngalesi sizathu, imikhuba yakho yokukhokha iyisici esibaluleke kakhulu kumphumela wakho wesikweletu. Indlela engcono kakhulu yokuthuthukisa isikolo sakho ukuqhubeka nokwenza izinkokhelo zakho zanyanga zonke ngesikhathi.

Yehlisa ukusetshenziswa kwekhredithi yakho

Ukusetshenziswa kwakho kwekhredithi yiphesenti lekhredithi yakho etholakalayo oyisebenzisayo namuhla. Uma kuncane ukusetshenziswa kwayo, kungcono. Uma lesi sibalo singaphansi kuka-30%, sizokusiza uthuthukise isikolo sakho sesikweletu. Ungakwenza lokhu ngokukhokha izikweletu zakho noma ngokukhuphula imikhawulo yakho yezikweletu.

Hlola umbiko wakho wesikweletu ukuze uthole amaphutha

Ucwaningo lwe-Federal Trade Commission lwathola ukuthi cishe oyedwa kwabahlanu abathengi Unephutha embikweni wakho wesikweletu. Ungaphikisana namaphutha bese ucela ama-credit bureaus ukuthi awasuse, okungakusiza ukuthi amaphuzu akho esikweletu athuthuke.

Umuntu angathola kanjani amanani angcono kakhulu wezinga lakhe lesikweletu?

Nakuba kungase kube nzima kakhulu ukukhokhela kabusha i-mortgage yakho ngesikweletu esibi, kusengenzeka. Ngeshwa, amaphuzu esikweletu aphansi ngokuvamile asho izinga eliphezulu lenzalo. Ngalesi sizathu, uzofuna ukuhlola izinketho zakho futhi uthole ukuthi ungawathola kanjani amaphuzu amahle kakhulu.

Sesha nxazonke

Ungavele ukhethe umabolekisi wokuqala ovumayo ukukunika imali yokuthenga indlu. Izinga lenzalo ongayithola lingahluka ngamaphesenti amaningi ukusuka komunye umbolekisi kuye komunye.

Ufuna ukwenza isiqiniseko sokuthi uthola isivumelwano esihle kakhulu. Thola idlanzana lababolekisi. Uma unomboleki oyintandokazi, ungababuza ukuthi bazofanisa yini nenzalo ephansi kakhulu abakunike yona.

Thenga amaphuzu ukuze wehlise isilinganiso sakho

Iphoyinti le-mortgage yimali ongayikhokha ukuze wehlise izinga lenzalo. Ukhokha kakhulu ngaphambili, kodwa bese uthola inzalo ephansi kakhulu empilweni yakho yonke yemalimboleko.

Kungase kubonakale kungenangqondo ukukhokha ukuze wonge imali. Kodwa ukukhokha imali encane ngaphambili kungakongela okuningi ngokuhamba kwesikhathi.

Cabangela isikhathi esifushane semalimboleko

Ababolekisi ngokuvamile babolekisa izilinganiso zenzalo ephansi kakhulu kubantu abakhetha i-mortgage emfushane. Nakuba iminyaka engu-30 ivame ukuba umthetho, ukukhetha isilinganiso seminyaka engu-15 noma engu-20 sokubuyisela imali kunganikeza indawo yezinga eliphansi.

Khumbula ukuthi isikhathi semalimboleko esifushane kakhulu sisho inkokhelo yanyanga zonke ephezulu. Ngakho-ke uma uxhasa ngezimali kabusha ukuze wehlise inkokhelo yakho yanyanga zonke, lokhu okuhlukile cishe ngeke kukusize.

Ungakwazi yini ukukhokhela kabusha i-mortgage ngesikweletu esibi? Yebo, ngecebo!

Ukubuyiselwa imali kwezindlu ezibolekwayo kunezinzuzo eziningi ezingaba khona. Ngeshwa, uma unesikolo esiphansi, ungase uzizwe udangele futhi ucabange ukuthi lezi zimfanelo ezinhle awukwazi ukuzifinyelela.

Izindaba ezinhle ukuthi kukhona ongakhetha kukho. Isikweletu esibi akufanele sikuvimbele ekunikezeni imali kabusha - udinga nje ukuhlola izinketho eziningi futhi ungene ekuthuthukisweni ngomqondo ovuleke kakhudlwana.