Mingaphi iminyaka yokuboleka imali ephezulu?

Umda weminyaka engama-35 yeemali zokubambisa

IBhanki yaseClydesdale ikwabhengeze ukuba elona xesha liphezulu lentlawulo yemali-mboleko yokuhlala engaphezulu kwe-85% yomlinganiselo wemali-mboleko ukuya kwixabiso liya kuba yiminyaka engama-35. Elona xesha liphezulu leemali-mboleko eziya kuthi ga kwi-85% yomlinganiselo wemali-mboleko-kwixabiso lihlala likwiminyaka engama-40. Akukho tshintsho kwixesha lethu eliphezulu lenzala-kuphela okanye i-BTL yokubambisa, apho ixesha elide lihlala iminyaka engama-25.

Ukwenza idinga nomnye wabacebisi bethu beengcali ngezemali mboleko, gcwalisa ifomu yethu yombuzo ngendawo yokuhlala okanye iphepha lemibuzo kwaye siya kukutsalela umnxeba. Nceda uqaphele ukuba ngokungenisa olu lwazi uyavuma ukuqhagamshelwa malunga neemfuno zakho zokubambisa.

Ngokuzithandela uthatha isigqibo sokusinika idatha yakho yobuqu xa ufaka umbuzo. Ulwazi lwakho luyimfihlo kwaye lugcinwe ngokuhambelana neemfuno ezifanelekileyo zokukhusela idatha. Funda ipolisi yabucala yeTrinity Financial.

Iminyaka engama-100 ye-mortgage yase-UK

Nje ukuba ufikelele kwiminyaka engama-50, iinketho zokubambisa ziqala ukutshintsha. Oku akuthethi ukuba akunakwenzeka ukuthenga ipropati ukuba uneminyaka okanye usondele kwiminyaka yokuthatha umhlalaphantsi, kodwa kubalulekile ukuqonda indlela ubudala obunokuchaphazela ngayo imali mboleko.

Nangona ababoneleli abaninzi bemali-mboleko bebeka imida yobudala ephezulu, oku kuya kuxhomekeka ekubeni usondela kubani na. Kwaye, kukho ababolekisi abaziingcali kwiimveliso eziphezulu zokubambisa, kwaye silapha ukukukhomba kwicala elifanelekileyo.

Esi sikhokelo siya kuchaza impembelelo yobudala kwizicelo zokubambisa, ukuba ukhetho lwakho lutshintsha njani ngokuhamba kwexesha, kunye nesishwankathelo seemveliso ezikhethekileyo zokubambisa imali yomhlalaphantsi. Izikhokelo zethu malunga nokukhutshwa kwemali eyinkunzi kunye neemali mboleko zobomi nazo ziyafumaneka ngolwazi oluthe vetshe.

Njengoko ukhula, uqala ukubeka umngcipheko omkhulu kubaboneleli bezindlu eziqhelekileyo, ngoko kunokuba nzima ukufumana imali mboleko kamva ebomini. Ngoba? Oku kuvamise ukuba kungenxa yokuhla komvuzo okanye imeko yempilo yakho, kwaye rhoqo zombini.

Emva kokuba urholile, awusayi kuphinda ufumane umvuzo wesiqhelo emsebenzini wakho. Nokuba unomhlalaphantsi oza kubuyela kuyo, kunokuba nzima kubabolekisi bazi kakuhle ukuba uza kurhola ntoni. Umvuzo wakho nawo usenokuhla, nto leyo enokuchaphazela ukukwazi kwakho ukuhlawula.

Iindidi ze-40-year-mortgages

UJustin Pritchard, uCFP, ungumcebisi wentlawulo kunye neengcali ngezemali. Ibandakanya iibhanki, iimali-mboleko, utyalo-mali, imali yokubambisa kunye nokunye okuninzi kwiBalance. Une-MBA evela kwiYunivesithi yaseColorado kwaye usebenze kwiimanyano zamatyala kunye neefemu ezinkulu zemali, kunye nokubhala malunga nezezimali zomntu ngaphezu kweminyaka engamashumi amabini.

UCharles yingcali evunyiweyo kuzwelonke yeemalike ezinkulu kunye nomfundisi-ntsapho oneminyaka engaphezu kwama-30 yamava ephuhlisa iinkqubo zoqeqesho olunzulu kwiingcali zezimali ezisakhasayo. UCharles ufundise kumaziko ahlukeneyo aquka iGoldman Sachs, uMorgan Stanley, iSociete Generale kunye nezinye ezininzi.

Nangona kunjalo, ngenxa yokuba imali-mboleko ineminyaka eyi-10 ubude, iintlawulo zenyanga kwi-mortgage yeminyaka engama-40 ingaphantsi kune-mboleko yeminyaka engama-30, kwaye umahluko mkhulu ngakumbi xa uthelekiswa nemali-mboleko yeminyaka eyi-15. Iintlawulo ezincinci zenza ezi mboleko zinde zibe nomtsalane kubathengi abathi:

Ekubeni i-40-year-mortgages ayiqhelekanga, kunzima ukuyifumana. Awukwazi ukufumana imali mboleko ye-FHA yeminyaka engama-40, kwaye abaninzi ababolekisi abakhulu abaniki mboleko iminyaka engaphezu kwama-30. Uzakufuna ikhredithi elungileyo ukuze ufumane enye ukuba uyayifumana, kwaye izinga lenzala kwezi mboleko linokuba phezulu.

Iminyaka engama-40 yokubambisa

Ababoleki bangoku beLizwe lonke abaxesha langoku lokuboleka imali lidlulela ngaphaya koyena mfaki-sicelo mdala oneminyaka engama-75 banokuthatha imali-mboleko entsha kwixesha eliseleyo lemali mboleko yabo yangoku, ukuba bayahlangabezana nazo zonke ezinye iindlela mboleko (jonga ngaphezulu).

Xa umenzi-sicelo enesimo sokuhlaliswa okanye sokuhlaliswa kwangaphambili kwaye engekanikwa ikhadi eliluhlaza lebhayometriki, uxwebhu oluthi "check someone's immigration status" luyamkelwa. Umfaki-sicelo unokuyifumana kwiwebhusayithi yeSebe lezangaphakathi esebenzisa ikhowudi yesenzo esisodwa esinikezelwe kuye.

Ukuba umfaki-sicelo uvela kwi-EU okanye ilizwe le-EEA, okanye eSwitzerland, abayi kufumana ikhadi elibonisa isimo sabo sokuhlaliswa kwangaphambili okanye sokuzinza. Ubume bufumaneka kuphela kwi-intanethi kwaye bungqinwa luxwebhu oluthi "Jonga i-immigration status".

Xa isicelo sabathengi bakho sigqityiwe, baya kufumana isaziso sentlawulo yokuqala ebhaliweyo phakathi kweentsuku ezi-7 zokusebenza sibazisa ngentlawulo yokuqala ye-mortgage kunye nokuba iya kubizwa nini kwi-akhawunti yabo.

Intlawulo yokuqala yabathengi bakho inokuba ngaphezulu kwentlawulo yakho yesiqhelo yenyanga. Oku kungenxa yokuba iya kubandakanya inzala ukususela kumhla esikhupha ngawo imali ukuya ekupheleni kwaloo nyanga, kunye nentlawulo yakho yesiqhelo yenyanga yenyanga elandelayo.