inzala kuphela kwi-mortgage
Ngoku ekubeni ikhontrakthi yeminyaka emihlanu yomlinganiselo omiselweyo iphezulu, ufuna ukuboleka imali ngokutsha enexabiso elimiselweyo lokubambisa. Ukusukela ngoko, uye wahlawula i-£40.000 yetyala eliyintloko, utyala i-£320.000 kumbolekisi, kwaye indlu yakho inyuke ngexabiso ukuya kwi-£420.000. Nangona kunjalo, i-76% yemali-mboleko-kwixabiso lemali-mboleko iya kuba nemilinganiselo yenzala efana ne-80% yemali mboleko-mali-mboleko yexabiso. Enye inketho kukuzama ukufumana imali-mboleko enexabiso elithe kratya lemali-mboleko ukuya kwixabiso.
Kufuneka ufumane malini kwi-1 yesigidi semali-mboleko
Ezi khalityhuleyitha zibonelelwa kuphela njengezixhobo zokuzinceda ngokubanzi. Iziphumo zixhomekeke kwizinto ezininzi, kuquka nentelekelelo oyinikayo. Asikuqinisekisi ukuchaneka kwayo okanye ukusetyenziswa kwayo kwiimeko zakho.
Intlawulo yenyanga elinganayo okanye i-EMI sisixa-mali esimiselweyo osihlawula ngenyanga nganye ngelixa uhlawula imali-mboleko yakho yokubambisa. I-EMI ibandakanya inxalenye yesixa-mali esibolekiweyo sokuthengwa kwepropati kunye nenxalenye yecandelo lenzala ekufuneka ihlawulwe ngokuchaseneyo.
I-IME yenyanga eza kuhlawulwa imali-mboleko ixhomekeke kwimali ebolekiweyo, izinga lenzala elisetyenzisiweyo kunye nexesha lokuhlawula lomboleki. Ngokwesiqhelo, isixa se-EMI sisezantsi ukuba ukhetha ukubolekwa imali ixesha elide, kwaye ngaphezulu ukuba ukhetha ukubolekwa imali yexeshana elifutshane.
Ukusebenzisa i-EMI calculator yemali mboleko yendlu kulula kakhulu kwaye ikuvumela ukubala isixa se-EMI ngomzuzwana. Kodwa ngaphambi kokuba uyisebenzise, kufuneka ube noqikelelo olurhabaxa lokuba yimalini na imali-mboleko oyidingayo kunye nokuba yimalini na i-EMI onokuyihlawula, ngokusekelwe kumvuzo wakho wenyanga.
Oku kukwazisa ukuba ngokucofa ukuqhubeka, uya kushiya iwebhusayithi yethu kwaye ungene kwiwebhusayithi / iMicrosite eqhutywa liqabane leinshurensi. Eli khonkco linikezelwe kwiwebhusayithi yeBhanki ukuze kube lula kubathengi kwaye iBhanki yeBaroda ayinguye okanye ayilawuleki le webhusayithi kwaye ayinaxanduva nomxholo wayo. Iwebhusayithi/i-microsite iphethwe kwaye igcinwe liqabane leinshurensi.
Yimalini i-$ 10.000 yongeza kwi-mortgage yenyanga?
Ngaba unomdla wokufumana imali mboleko yendlu, kodwa awuqinisekanga nge-EMI ekufuneka uyihlawule? Sukuba nexhala, i-ICICI Bank yeMali-mboleko yeKhaya ye-EMI Calculator yeyona nto uyifunayo. Usebenzisa isixhobo sethu sokubala esikwi-intanethi, faka imali-mboleko, izinga lenzala kunye nexesha lemali-mboleko. Ikhaltyhuleyitha iya kubonisa isixa se-EMI ekuya kufuneka usihlawule ngenyanga nganye. Ilula ngolo hlobo.
Ndiyabulela kwii-EMIs ezisezantsi, i-ICICI Bank Home Loans ilula kwipotfoliyo yakho. Izinga lenzala elisezantsi elidityaniswe nexesha lokuhlawula ukuya kuthi ga kwiminyaka engama-30*, yenza ii-EMIs zethu zifikeleleke kuwe. Usenokukhetha ukutsalelwa imali kwi-akhawunti yakho yokonga ye-ICICI Bank ukuze uhlawule i-EMI kwimali mboleko yakho yendlu kwaye ufumane amanqaku anokufunyanwa ukuze ufumane imivuzo echulumancisayo kumaqabane ethu.
Isicwangciso se-amortization semali-mboleko yemali-mboleko yigrafu ebonisa oku kulandelayo:⦁ Imali eseleyo phambi kwentlawulo ye-EMI⦁ Isixa se-EMI ekufuneka sihlawulwe⦁ Igalelo kwimbuyekezo yenqununu⦁ Igalelo kwicandelo lenzala⦁ Ibhalansi yemali-mboleko eseleyo emva kwentlawulo ye-EMI nganye.
Isibali se-mortgage yase-UK
Ixesha le-amortization yesiko le-mortgage (ixesha lokuyihlawula) yiminyaka engama-25. Kodwa oku kwenziwa ngexesha leminyaka emihlanu ngexesha ngalinye, nangona kunokwenzeka ukuhlawula i-mortgage kwixesha elifutshane, kodwa kungekhona ixesha elide. Okukhona ixesha lokuhlawula lide, kokukhona lisezantsi izavenge zenyanga, kodwa kokukhona imali-mboleko iya kuba neendleko xa iyonke.
Uninzi lweemali mboleko zinexesha leminyaka emihlanu, nangona iimeko ezimfutshane zinokwenzeka. Ixesha leminyaka emihlanu le-mortgage lixesha lekhontrakthi ye-mortgage. Ekupheleni kwekota nganye, i-mortgage kufuneka ihlaziywe kwenye ikota, apho kukho ithuba lokuqwalasela naluphi na utshintsho. Utshintsho olunokwenzeka lubandakanya ukuphinda kuxoxwe ngezinga lenzala, kwakunye nezinye iinkcukacha zekhontrakthi yekota elandelayo. Izinga lenzala ekuvunyelwene ngalo lihlala lisebenza ngeli xesha.
Kunokwenzeka ukuba ukhethe phakathi kwe-mortgage evulekile, enika umntu ukuguquguquka kokuhlawula yonke into okanye inxalenye ye-mortgage nangaliphi na ixesha ngaphandle kweendleko ze-prepayment, okanye i-mortgage evaliweyo, ekhawulela ukhetho lokuhlawula kwangaphambili. Le yokugqibela idla ngokuba nenzala ephantsi.
