Mokhoa oa ho bala chelete ea puseletso ea mortgage
Chelete ea banyalani bana e ne e rarahane ho feta e tloaelehileng hobane ba ne ba fumana moputso oa bona oa mantlha, hammoho le li-bonase, 'me e mong oa bakopi o ne a na le li-stock units tse behetsoeng lithibelo (RSU). Ba ne ba e-na le depositi ea 15% 'me ba ne ba batla nako e telele ea ho reka ka mokitlane ho theola litefo tsa khoeli le khoeli.
Bareki ba rona ba ne ba e-na le meputso e phahameng le nalane ea ho fumana libonase; moemeli oa rona o ile a etsa lipatlisiso 'marakeng mme a fumana motho ea alimang chelete ea fanang ka mekoloto ea 5,5x. Sena se ne se bolela hore ba ka fumana mokoloto oa £1,2 ntle le ho sebelisa chelete ea RSU.
Ho hlophisa kopano le e mong oa baeletsi ba rona ba litsebi tsa mekitlane ea ntlo, tlatsa foromo ea rona ea lipotso tsa mortgage kapa lethathamo la lipotso 'me re tla u letsetsa. Ka kopo hlokomela hore ka ho fana ka tlhahisoleseling ena, u lumela hore re ikopanye le uena ka molomo ho buisana ka litlhoko tsa hau tsa ntlo.
U ithaopela ho etsa qeto ea ho re fa lintlha tsa hau ha u fana ka lipatlisiso. Lintlha tsa hau ke lekunutu 'me li bolokiloe ho latela litlhoko tse nepahetseng tsa ts'ireletso ea data. Bala leano la lekunutu la Trinity Financial.
Mokoloto oa sekhahla o sa fetoheng o nang le tsoala feela
Reka ntlo ea hau ka nako ea rekoto* ka polokelo ea chelete e tšehetsoeng ke 'Muso ka 25%. Ho reka ntlo ea hau ea pele ho bonolo ka Homebuyer Life Savings Account (LISA) ka lebaka la bonase e ngata e tsoang ho Mmuso. Ho feta moo, re tla u lefa tsoala joalo ka tlatsetso. 'Me joalo ka bonase e ekelitsoeng, ha u se u itokiselitse ho reka ntlo ea hau, u ka fumana likeletso tsa mahala tsa ntlo ho tsoa ho Bureau ea Advice Bureau.
*Ha re u tšepise hore u tla boloka chelete ea Liolimpiki, kaha u tla hloka ho buloa ak'haonte ea hau likhoeli tse 12 pele u reka ntlo ea hau ea pele ho qoba tefiso e eketsehileng ea 25% e lefisoang ke Mmuso. Hopola hore ho reka ntlo ke marathone, eseng lebelo la lebelo.
Haeba e le lekhetlo la pele u reka ntlo, u tla be u e-so be u kene tšebetsong ea ho reka pele; Ke ka hona re kopanetseng le Lefapha la Keletso la Mekoloto ea Matlo. Baeletsi ba bona ba nang le tsebo ba tla u thusa mohato o mong le o mong oa leeto la hau, ba batlisisa likalimo tse likete ho tsoa ho ba alimang ba fapaneng ba fetang 90 ho u fumanela thekiso e nepahetseng. 'Me joalo ka bonase e ekelitsoeng, u tla fumana likeletso tsa mahala tsa ntlo ea ntlo ha u bolokile ho lekana ho reka ntlo ea hau ea pele.
Na litefello li baloa e le chelete ea sekoloto sa ntlo?
National Australia Bank Limited (“NAB”) e kene tumellanong le Citigroup ea ho fumana khoebo ea Citi ea banka ea bareki naheng ea Australia, ho latela tumello ea molao. Phetisetso e lebelletsoe ho etsahala ka la 1 Phuptjane 2022. Ka kopo, etela Lipotso tsa rona ho fumana lintlha tse ling.
1.Sekhahla sa ho bapisa se baloang ka chelete ea kalimo ea $150.000 ka nako ea lilemo tse 25 ho latela litefiso tsa khoeli le khoeli. TEMOSO: Papiso ea mofuta ona e sebetsa feela ho mehlala e boletsoeng. Haeba lipalo le mantsoe a fapane, mefuta ea papiso e tla fapana. Litšenyehelo, tse kang tefello kapa litefello tsa ho lefa pele ho nako, le ho boloka litšenyehelo, joalo ka ho tlosoa ha litefiso, ha li kenyelelitsoe papisong, empa li ka ama litšenyehelo tsa kalimo.
Melao le Maemo a Banka ea Ireland Cashback Mortgage
Manulife Bank Select ke mokoloto oa moetlo o u lumellang hore u arole mokoloto oa hau ka likarolo tse fapaneng, e 'ngoe le e 'ngoe e na le chelete ea eona, sekhahla sa tsoala, nako le kemiso ea tefo. Ithute haholoanyane ka Manulife Bank Select.
* The Manulife One 5-term-term sub-term subaccount sekhahla sa inshorense ke 4,34% 'me se tla qala ka la 10 May, 2022. Sekhahla se sebetsa ho mekoloto e mecha ea mong'a ntlo e nang le boleng bo ka tlase ho lidolara tse limilione tse 1, e leng eona e fihlelang litlhoko tse ling tsa insurability. . Tsoala e kopanngoa ka halofo ka selemo, eseng esale pele. E ipapisitse le tumello ea mokoloto. Ikopanye le rona bakeng sa lipehelo le lipehelo tsa tlhahiso e khethehileng. Lena ke lenaneo la sekhahla sa litheolelo. Sekhahla sa tsoala sa lilemo tse 5 se phatlalalitsoeng ke 5,09% 'me se teng hona joale ho tloha ka la 25 May, 2022. Litefiso tsohle li ka fetoha. Ha e tšoanelehe: liakhaonto tsa boemo ba bobeli; ho tloha boemong ba bobeli ho isa boemong ba pele; phetisetso ea Manulife One e teng ho beng bo bocha; keketseho kapa phetoho akhaonteng e teng ea Manulife One; phetisetso ho tsoa ho mokoloto o mong o teng oa Banka ea Manulife; Manulife Bank Select, Manulife One for Business, Manulife Commercial Amortizing Mortgage, Manulife One Equity Advantage programmes, mananeo a likalimo tsa likhoebo tse nyane le mananeo a kalimo ea thepa ea matsete.
