IKhatyhuleyitha yokuQala yeNtlawulo yokubolekwa kwezindlu
Kubantu abaninzi, intlawulo yabo yokuthenga indlu kufuneka ihlawulwe ngomhla wokuqala wenyanga, nyanga zonke. Kodwa kuthekani ngentlawulo yokuqala? Funda ukuze ufunde ukuba yintoni onokuyilindela kwintlawulo yokuqala, kwakunye nokuba umhla wokuvala ungqamana nentlawulo yokuqala efunekayo.
Intlawulo yokuqala yokubambisa idla ngokuba ngowokuqala enyangeni, inyanga epheleleyo (iintsuku ezingama-30) emva komhla wokuvala. Iintlawulo zokubambisa zihlawulwa kwizinto ezaziwa ngokuba ngasemva, nto leyo ethetha ukuba uya kwenza iintlawulo zenyanga edlulileyo endaweni yale nyanga ikhoyo.
Ixesha lenyanga ovalayo linokuchaphazela ixesha phakathi kokuvala kunye nentlawulo yokuqala. Awutsibi ntlawulo yokuvala kwangethuba. Umbolekisi uya kuqhubeka efumana imali yenzala kwaye uya kuyifaka kwiindleko zakho zokuvala. Kukho iimeko apho unokuhlawula inzala kwangaphambili kwaye wenze intlawulo yokuqala kwinyanga yesibini emva kokuvala. Intlawulo yokuqala mayisoloko yenziwe zingadlulanga iintsuku ezingama-60 zokuvala. Oku kuthetha ukuba uya kufuna ukuphendula ngeenyanga ezineentsuku ezingama-31 kuzo.
Ukuba ndivala nge-1 kaJuni, uthini umhla wam wokuqala omiselweyo wentlawulo yemali-mboleko?
Ukubhengezwa: Esi sithuba siqulethe izixhumanisi ezihambelanayo, oku kuthetha ukuba sifumana ikhomishini ukuba ucofa ikhonkco kwaye uthenge into esiyicebisile. Nceda ujonge umgaqo-nkqubo wethu wokubhengeza iinkcukacha ezithe vetshe.
Kula maxesha angaqinisekanga, abantu abaninzi baseMelika bazifumana bedinga uhlobo oluthile loncedo lwezemali okanye uncedo. Oku kunokuza ngeendlela ezininzi, kuquka ukurhoxisa ukuhlawulwa kwekhadi lokuthenga ngetyala, ukufumana ukungaqeshwa, okanye ukufumana isheke yokuvuselela urhulumente, ukubalula nje ezimbalwa. Xa kufikwa kwimali-mboleko yakho, isiqabu sinokufumaneka ngexesha lobabalo.
Ixesha loxolelo lingachazwa njengethuba lexesha elichaziweyo emva komhla omiselweyo wentlawulo okanye isibophelelo apho nasiphi na isohlwayo sirhoxiswa, nje ukuba isibophelelo okanye intlawulo yenziwe ngelo xesha. Ukuba akwenziwanga intlawulo epheleleyo ngexesha loxolelo, intlawulo kade iya kubizwa kwaye amaziko agcina inkcazelo ngeentengo zemboleko aya kwaziswa ngokusilela kokubambisa.
Mhlawumbi elona cebiso libalulekileyo esilifumanayo lelokuba ukuhlawula imali mboleko yethu ngexesha yeyona nto ibalulekileyo. Ukuba asihlawuli ngexesha, sinokulindela ukubizwa kwaye mhlawumbi sithotywe amanqaku ethu amatyala, kwaye ngamanye amaxesha kunokuthetha ukuphulukana nekhaya lethu. Ixesha loxolelo linciphisa ezi ziphumo ngandlel’ ithile, liqinisekisa ukuba iintlawulo okanye iziphene zetyala azenzeki ngoko nangoko ukuba awukwazi ukuhlawula ngexesha.
Ukuvuthwa kwe-mortgage kuwela ngempelaveki
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Ixesha lobabalo lwemali mboleko yebhanki yase-US
Olu papasho lunelayisensi phantsi kwemiqathango yeLayisensi yoRhulumente oVulekileyo v3.0, ngaphandle kwalapho kuchazwe ngenye indlela. Ukujonga eli phepha-mvume ndwendwela nationalarchives.gov.uk/doc/open-government-licence/version/3 okanye ubhalele iQela loMgaqo-nkqubo woLwazi, i-National Archives, Kew, London TW9 4DU, okanye i-imeyile: [imeyile ikhuselwe].
Esi sikhokelo sibonelela ngolwazi oluluncedo malunga noNcedo lokuThenga: Imali-mboleko yoBulungisa (2021 ukuya ku-2023), inkqubo yokuthenga ikhaya likarhulumente. Kuya kukunceda uqonde into ebandakanyekayo ekufumaneni imali-mboleko ethatha inxaxheba, isebenza njani kunye nendlela yokufaka isicelo sayo.
Ngexesha lobomi bemali mboleko yezindlu, yinzala kuphela yemali ebolekiweyo ehlawulwayo. Awuhlawuli nto kwimali-mboleko ngokwayo. Kodwa unokukhetha ukuhlawula yonke okanye inxalenye yemali-mboleko nangaliphi na ixesha. Ukuba uthengisa ikhaya lakho, kuya kufuneka uhlawule yonke imali mboleko ye-equity.
I-mortgage sisixa semali ebolekwa kumbolekisi ukuze kugalelwe kwixabiso lepropati. Ngokuqhelekileyo, imali-mboleko ibolekwa ixesha elithile kwaye isixa esimiselweyo sibuyiswa nyanga nganye, kwixesha ekuvunyelwene ngalo.
