Imali mboleko yemoto, nantsi into ongayaziyo

Ukuthenga imoto kudla ngokuba lutyalo-mali lwesibini olubalulekileyo ebomini emva kokuthenga umhlaba. Ukuxhasa le projekthi ngoko kufuna ikhredithi enkulu, kungoko kubalulekile ukwazi mboleko yemoto ngaphambi kokwenza. Kodwa phakathi kweendleko ezipheleleyo zenkxaso-mali, ukhetho phakathi kwe-LOA kunye nekhredithi yemveli, okanye i-inshurensi yomboleki, izinto ezininzi zihlala zingaziwa kuluntu ngokubanzi kwaye zinokubamba izinto ezimangalisayo.

Ukuthenga imoto kaninzi kubonisa utyalo-mali lwesibini ebomini emva kwe-real estate. Ukuxhasa ngemali le projekthi ibalulekileyo, ngoko ke kubalulekile ukuqonda zonke iingeniso kunye nokuphuma kwimali-mboleko yemoto ngaphambi kokuba uboleke.

Phakathi kweefomula ezahlukeneyo ezinokwenzeka, i-inshurensi, okanye iindleko ezongezelelweyo, izinto ezininzi zihlala zingaziwa kwaye zinokubamba izinto ezimangalisayo. Masenze ujongo.

Okokuqala, kukho iindidi ezimbini eziphambili zenkxaso-mali yemoto: ikhredithi yakudala kunye Ukurenta ngoKhetho lokuThenga (LOA). Ukuba ikhredithi yemveli iyaziwa ngcono, i-LOA iya isiba nomtsalane ngakumbi. Ngokuqhelekileyo ibandakanya ukugcinwa kunye ne-inshurensi ukongeza kwintlawulo yenyanga, kodwa nikela ingqalelo kwi-mileage!

Enye iparameter emisela kwaye ihlala ingahoywa: isixa segalelo lomntu. Okukhona inkulu, kokukhona umlinganiselo onenzuzo ngakumbi onokuthethathethana naye kwaye unciphise ixabiso lilonke lenkxaso-mali. Ycinge!

🥀 Yintoni imali mboleko yemoto?

Xa u andinayo imali efunekayo ukuhlawula imoto entsha, imali-mboleko yemoto inokukunceda ukuyithenga, nokuba isithuthi sitsha okanye sisetyenzisiwe. Xa ufumana imali mboleko yemoto, uboleka imali kumbolekisi ukuze uthenge imoto.

Uyavuma ukuhlawula imali ngexesha elimisiweyo, kunye nazo naziphi na iintlawulo kunye nenzala oyifumanayo. Kubantu abaninzi, ukuthenga imoto kufuna ukuboleka imali.

Kukho iintlobo ezahlukeneyo zeemali mboleko zemoto, kwaye kuxhomekeke kwimeko yakho yezemali, enye yazo inokuba lukhetho olungcono kunabanye. Fumana ukuqonda okungcono kweentlobo eziqhelekileyo zeemali mboleko zemoto ngaphambi kokuba uqalise ukufaka isicelo.

Ngokubanzi, kukho iindlela ezimbini zokuboleka imali yokuthenga imoto: mboleko ngqo okanye ukuxhaswa ngezimali ngu-a kumthengisi.

✔ Iimali-mboleko ezithe ngqo

Ababolekisi ngokuthe ngqo baquka iibhanki, iimanyano zamatyala kunye namanye amaziko emali afana nababolekisi be-intanethi.

Ukuboleka komnye waba babolekisi kunokukunika ithuba lokuthelekisa imiqathango yemali-mboleko kwaye kunokukunika ithuba lokuvunywa kwangaphambili kwimali-mboleko ethile phambi kokuba uye kuthenga. Kwaye xa ulungele ukuthenga, uya kusebenzisa loo mboleko ukuhlawula imoto.

✔ Imali yomthengisi

Olu khetho, olulawulwa lisebe lezemali kumthengisi wakho, lwenza kube lula ukuthenga isithuthi sakho kunye nemali-mboleko yakho yemoto kwindawo enye.

Abarhwebi badla ngokuba nobudlelwane nababolekisi abaninzi, ngoko ke unokukwazi ukuthelekisa imiqathango kwaye ukufanelekele iinkqubo zomgangatho ophantsi okanye iinkqubo zenkuthazo ezixhaswa ngumenzi.

Kodwa jonga abathengisi " thenga apha, bhatala aphai” ezibonelela ngemali-mboleko yemoto enenzala ephezulu kubathengi abangenatyala linamandla.

Ukuba awufuni kuthabatha imali mboleko yemoto okanye akufanelanga ukuvunywa, cinga ngokucela ilungu losapho ukuba likuncede okanye ulinde de ube wonge imali eyaneleyo. Ungaphinda uphande enye indlela yokuboleka imali, njengemali-mboleko yobuqu evela kumbolekisi woontanga-kuontanga.

🥀 Isebenza njani imali-mboleko yemoto?

Kubantu abaninzi, ukuthenga imoto lolona tyalo-mali lukhulu oza kulwenza, okwesibini kuphela ukuthenga indlu. Nangona ukuhlawula ngemali eyikheshi kufanelekile, inyaniso yeyokuba abantu abaninzi bafuna imali-mboleko ukuze bahlawulele iimoto zabo, nokuba zintsha okanye zisetyenzisiwe.

Njengento efumana inzala njengoko uyihlawula emva kwexesha, kubalulekile ukuba uzilungiselele phambi kokuba uthathe imali-mboleko yemoto. Isixa osibolekileyo, ixesha elingakanani oza kulihlawula ukuyibuyisela, kunye nenzala yakho konke oku kuchaphazela isixa sakho sentlawulo yenyanga.

• Isixa semali mboleko. Inokuba ngaphantsi kakhulu kunexabiso lemoto, kuxhomekeke ekubeni unayo isithuthi sokurhweba kunye / okanye wenza intlawulo ephantsi.
• Ipesenti yepesenti yonyaka. Eli lizinga lenzala elisebenzayo olihlawulayo kwimali-mboleko yakho.
• Ixesha lemali-mboleko. Eli lixesha lokuba ubuyisele imali-mboleko, ngokwesiqhelo iinyanga ezingama-36 ukuya kwezingama-72.

Enye yezona zinto zibaluleke kakhulu ukuqonda malunga nendlela iimali mboleko zemoto ezisebenza ngayo ubudlelwane phakathi kwexesha lemali-mboleko kunye inzala oyihlawulayo. Ixesha lemali-mboleko elide lingathoba kakhulu intlawulo yakho yenyanga, kodwa kukwathetha ukuba uhlawula inzala eninzi.

✔ umzekelo

Qwalasela a mboleko yemoto of $25 ngesantya yonyaka 000% kunye nexesha 3,00 iinyanga. Ngaphezulu kweminyaka emi-48 yeentlawulo, uya kuhlawula i-$4 kwinzala iyonke kwimali-mboleko. Ukuba uyandisa le mboleko inye kangangeenyanga ezingama-1 (okanye iminyaka emi-561), uya kunciphisa intlawulo yakho yenyanga ngeedola ezili-60, kodwa uya kukwandisa inzala yakho iyonke. uya kuhlawula ukusuka kwi-$ 1 ukuya kwi-$ 561 $.

Akukho ndlela enye yokumisela eyona mali mboleko yemoto. Yiyo loo nto kufuneka uthathe ixesha lokuqonda ukuba iimali mboleko zemoto zisebenza njani kwaye wenze isigqibo esifanelekileyo ngokusekelwe kwimeko yakho yemali ethile.

Abanye abantu baya kuxhamla kakhulu ngokuthatha ixesha elide ukuthoba iintlawulo zenyanga kunye nokusebenzisa umahluko ukuhlawula ityala lenzala ephezulu. Abanye bakhetha ukwenza intlawulo phezulu ngenyanga kwaye ubuyisele imali-mboleko ngokukhawuleza. Ufuna nje ukulamla.

🥀 Iimfuno zokufaka isicelo semali mboleko yemoto

Ukuze ukwazi ukufumana imali-mboleko yemoto, kuya kufuneka ugcwalise isicelo semali-mboleko esinika ulwazi malunga nemeko yakho yezemali. Uya kufuna olu lwazi lulandelayo ukuze inkqubo iqhube kakuhle:

• Inombolo yokhuseleko lasekuhlaleni
• Iidilesi zangoku nezexesha elidlulileyo
• Ulwazi lwangoku kunye nexesha elidlulileyo lengqesho
• Ingeniso epheleleyo kunye nemithombo yomvuzo
• Ulwazi malunga nalo naliphi na elinye ityala onokuba nalo

Ngokuqhelekileyo, inkqubo yokuvunywa ibandakanya ukujonga amanqaku akho ekhredithi kwaye inokuqala nge-pre-qualification. Oku kunokubangela ukutsalwa kancinane kwikhredithi yakho, oku kuthetha ukuba akuyi kuchaphazela amanqaku akho ekhredithi.

Ukuba uvunywe kwangaphambili kwaye uqhubela phambili ngesicelo esipheleleyo, umbolekisi uya kwenza uphando olunzima kwikhredithi yakho.

Oku kunokukhokelela ekuweni kwakho amanqaku ekhredithi. Kwaye nokuba sele ufanelekile, imiqathango yemali-mboleko kunye nemvume yakho inokwahluka xa ufaka isicelo esipheleleyo. Kodwa okoko usenza lonke uthelekiso lwemali mboleko yakho ngexesha elifutshane, kuya kuba nefuthe elincinci elibi kwityala lakho.

🥀 Amanyathelo okufumana imali mboleko yemoto

Emva kwayo yonke le nto ndikuxelele yona apha ngasentla, sele uyazi ukuba uyayifuna imali mboleko yemoto okanye awuyidingi. Masithi uyayidinga kwaye umbuzo ovuthayo kukuba ungayifumana njani? Nanga amanyathelo ekufuneka uwalandele ukuze ufumane imali-mboleko yemoto ekulungeleyo.

✔ Inyathelo 1: Thatha isigqibo sokuba ufuna imoto entsha okanye esele isetyenzisiwe

Gqiba ukuba ufuna imoto entsha okanye isetyana libalulekile. Oku kunokuxhomekeka kwizinto ezahlukeneyo, ezifana nemali yakho, ubomi bentsapho kunye nesixa sokuhamba. Iimoto ezintsha ziya kuhlala ixesha elide, kodwa ixabiso labo liya kuncipha ngokukhawuleza.

Nangona kunjalo, unokufumana inzala engcono kwimali mboleko entsha yemoto kuba ukuba awugqibekanga kwimali mboleko, umbolekisi unokuphinda athengise isithuthi ngexabiso eliphezulu.

Imali-mboleko yemoto esele isetyenzisiwe ifikeleleka ngakumbi, kodwa imoto inokufuna ukulungiswa okuthe chatha, nto leyo enokongeza ekuhambeni kwexesha.

✔ Inyathelo lesi-2: Khangela ukuba yimalini onokuyichitha kwimoto

Jonga ixesha elide kwiimali zakho kwaye wenze isigqibo sokuba yimalini onokuyichitha kwisithuthi sakho. Ungabeka malini kwenye uhlawulo olunzulu ? Emva kokumisela elo nani, cinga ngeendleko eziqhubekayo zokuba nemoto, njengepetroli, i-inshorensi yemoto nokuyilungisa rhoqo.

Okokugqibela, uthini ngemboleko ngokwayo? Okukhona ixesha lemali-mboleko lilide, kokukhona kuya kufuneka uhlawule kancinci ngenyanga nganye. Kodwa i-downside kukuba uya kugqiba ukuhlawula ngaphezulu kwinzala, ekugqibeleni kukukhokelela ukuba uhlawule kakhulu kunokuba imoto ifanelekile. Qwalasela zonke ezi zinto xa usenza isigqibo ngoluhlu lwamaxabiso akho.

✔ Inyathelo lesi-3. Jonga ingxelo yakho yetyala

Ukufaneleka kwakho ngetyala kuya kuba nefuthe elikhulu kuhlobo lwemali mboleko okuvunyiweyo, ke jonga ingxelo yakho yetyala phambi kokuba ugcwalise isicelo. Okukhona ngcono amanqaku akho etyala, kokukhona ibangcono imiqathango yakho yemali-mboleko.

✔ Inyathelo 4. Gcwalisa isicelo semali-mboleko

Ngesicelo semali-mboleko, uya kucelwa ukuba unikeze yonke okanye inxalenye yolu lwazi lulandelayo:

• Ulwazi olusisiseko (igama, idilesi, umhla wokuzalwa)
• Inombolo yokhuseleko lasekuhlaleni
• Igama lomqeshi wakho wangoku kunye nenani leminyaka yenkonzo
• Umvuzo wakho
• Iinombolo zeakhawunti yebhanki
• Nokuba uyarenta okanye ungumnikazi wendlu yakho
• Iindleko eziqhelekileyo zenyanga
• Ingxelo yetyala

Gcina ukhumbula ukuba ngalo lonke ixesha ufaka isicelo semali mboleko, ibonakalisa kwingxelo yakho yetyala kwaye ibuhlungu kuphononongo lwakho lwetyala. Nangona kunjalo, ukuba wenza isicelo semali mboleko engaphezulu kwesinye Iintsuku ezili-14, oku kuya kubalwa njengesicelo esinye. Eli xesha linokwahluka kwilizwe ngalinye.

✔ Inyathelo 5. Fumana imvume kwangaphambili

Isixa esivunywe kwangaphambili siya kukunika umbono wolona hlahlo lwabiwo-mali luphezulu. Ukuba ufumana imali-mboleko kumthengisi, fumanisa kwangaphambili ukuba unokuvunywa kwangaphambili ukuba ubolekwe imali.

Abathengisi abahlukeneyo baya kuba neendlela ezahlukeneyo, kodwa abanye baya kuvumela ukuvunywa kwangaphambili ngaphambi kokuba ukhethe isithuthi esithile.

✔ Inyathelo lesi-6. Fumana umntu oza kutyikitya, ukuba kuyimfuneko

Ngamanye amaxesha ababolekisi baya kukuvuma ngemali mboleko yemoto kuphela ukuba unomsayini-mnye. Ukuba unamanqaku aphantsi okuthenga ngetyala okanye umvuzo onganeleyo wokuhlawula iintlawulo zenyanga, umbolekisi usenokufuna ukuba ube nomntu otyikityayo kwimali-mboleko.

Umntu osayinileyo ngumntu onekhredithi elungileyo ovumayo ukuthatha uxanduva olupheleleyo lwemali mboleko xa kukho ukusilela. Intlawulo ibonakala kuzo zombini iingxelo zakho zekhredithi, ke qiniseka ukuba umtyikityi wakho uyiqonda ngokupheleleyo imigaqo.

✔ Inyathelo 7. Khetha isithuthi

Khetha imoto ehambelana neemfuno zakho kunye nohlahlo lwabiwo-mali lwakho. Thetha ngeyona ndlela ingcono yemoto kunye nenqanaba lemali-mboleko yakho, emva koko ufumanise ukuba yimalini ekufuneka uyihlawule nyanga nganye.

Ii-FAQ zeMali-mboleko yeMoto

Uthini umahluko phakathi kwemali mboleko yakudala kunye neLOA yemoto?

Irenti nge Option to Purchase (LOA) ngokubanzi ibandakanya ukulungiswa kunye ne-inshurensi ukongeza kwinkxaso-mali. Ikhredithi yakudala ichaphazela kuphela ukuthenga. Kodwa i-LOA ithetha imida yeemayile.

Kutheni igalelo lobuqu libaluleke kangaka kwimali-mboleko yemoto?

Okukhona igalelo lilikhulu, kokukhona iibhanki zininzi zibonelela ngenzala enenzuzo kwinkxaso-mali, nto leyo icutha kakhulu ixabiso lilonke letyala.

Ngaba i-inshurensi yemoto ebonelelwa yibhanki inyanzelekile?

hayi, unokuthatha i-inshurensi yemoto kunye ne-inshurensi oyikhethileyo ukuba nje ibonisa inqanaba elaneleyo lesiqinisekiso emehlweni ebhanki.

Ngaba imali-mboleko yemoto ibandakanya ezinye iintlawulo?

yes, kufuneka kwakhona uthathele ingqalelo imirhumo yebhanki yokufayilisha, imali yokubhalisa, mhlawumbi isiqinisekiso somatshini, njl.njl. Qaphela kuzo zonke ezi ngongoma.

Ungathethathethana njani ngokufanelekileyo ngemali mboleko yakho yemoto?

Thelekisa unikezelo, yazi ifayile yakho ngcono, yenza ukhuphiswano ludlale ngokubonisa olona nikezelo luchasayo, kwaye ungathandabuzi ukucela ukuba iindleko ezithile zirhoxiswe.

🥀 Ukuvala

Kweli nqaku, sijonge kwakhona izinto ezahlukeneyo ezibalulekileyo kodwa zihlala zingahoywayo kwinkxaso-mali yemoto: ubuqili phakathi kwe-LOA kunye netyala lemveli, ukubaluleka kwegalelo lomntu, imigibe ye-inshurensi, okanye zonke iindleko ezongezelelweyo. .

Ukusukela ngoku ukuya phambili, unawo onke amakhadi esandleni sokukhetha imali mboleko yakho yemoto ngolwazi olupheleleyo lweenyani. Thatha ixesha lokuthelekisa izibonelelo ezahlukeneyo ezivela kwiibhanki kunye nabathengisi, usebenzisa i-simulator ye-intanethi, ngokweemfuno zakho.

Kwaye ungathandabuzi ukuthethathethana ngokuqinileyo ukuze ufumane ezona meko zintle! Ixesha elincinane elichithwe kwangaphambili liyakusindisa ukuphoxeka okukhulu kamva. Ngoku ukulungele ukuqalisa kwaye uzolile ngemali yokuthenga isithuthi sakho esilandelayo. Ekuphela kwento eseleyo kukufumana imodeli yamaphupha akho! Indlela elungileyo!

Ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba wenze njalo master yorhwebo ngeyure nje 1.