Ukutshintsha kwengeniso emva kokunikezelwa kwe-mortgage
Menu Ingaba isithembiso semali mboleko sihlala ixesha elingakanani? Kweli nqaku sijonga iimpendulo, siphonononga ukuba yeyiphi indima edlalwa yi-mortgage kwaye ithatha ixesha elingakanani xa uyifumene. Ngomhla wama-22 kuJuni, 2020Imali-mboleko ihlala ixesha elingakanani?
Nje ukuba ufumene isithembiso, kuyinto eqhelekileyo ukuba ube nemibuzo emininzi. Umzekelo, kuthatha ixesha elingakanani ukusuka kwisigaba sonikezelo ukuya ekugqityweni? Sithatha ixesha elingakanani isicelo semali mboleko? Kwaye kuthatha ixesha elingakanani ukufumana imali mboleko?
Masithi ufumene ikhaya ofuna ukulithenga, uqikelele ukuba ingaba ibhajethi yakho yokuthenga ikhaya ingaba yintoni, kwaye ufumene imveliso yemali mboleko kunye nombolekisi onokukusebenzela. Ngoku lixesha lokucinga malunga nesigaba sesivumelwano-kwimigaqo.
Xa ucinga ukuba ixesha lifikile kwaye ukulungele ukufaka isicelo, kuya kufuneka unike umbolekisi ulwazi malunga nawe, njengomvuzo wosapho lwakho, imali ofuna ukuyiboleka, kunye nesixa sediphozithi onayo. Ababolekisi baya kusebenzisa olu lwazi ukuqhuba ukukhangela ngetyala kwityala lakho ngenkampani yereferensi yetyala. Olu lwazi malunga nawe lubalulekile kumbolekisi njengoko lubanceda bazi ukuba uvumelekile na ngokwemali kwimveliso oyenzela isicelo. Ikwanceda ababolekisi abanelayisensi kunye nabalawulwayo baqonde umngcipheko abawuthathayo ngokukuboleka imali nge-mortgage.
Ukwandiswa konikezelo lwemali yokubambisa
Abanye ababolekisi benza kuphela izibonelelo zokubambisa eziqala ukusuka kumhla owenziwe ngawo. Abanye baya kuqalisa ukubala ukususela ngomhla wokungeniswa kwesicelo, kwaye abanye baya kuba neemeko ezithe ngqo ngakumbi ezikunika umhla wokugqibela wokugqiba. Nokuba yeyiphi na imboleki oyikhethayo, qiniseka ukuba uyayiqonda imimiselo nemiqathango ngaphambi kokuba uqale inkqubo yesicelo.
Ngokuqhelekileyo kuthatha iiveki ezimbini ukuya kwezine ukufumana isipho sakho semali-mboleko emva kokufaka isicelo, nangona kungathatha ixesha elide ukuba umbolekisi kufuneka alinde lonke ulwazi oluyimfuneko.
Kuthatha ixesha elingakanani ngokwenene kuxhomekeke kumbolekisi, ngokukhawuleza kangakanani bonke ubungqina bezemali obuyimfuneko - njengeengxelo zebhanki kunye ne-stubs yokuhlawula - zibuyiswa, kunye nohlobo lwentengiselwano, njengoko ezinye iipropati zilula ukuthenga nokuthengisa kunabanye.
Kulula ukubhidanisa isivumelwano ngokwemigaqo (okanye i-AIP) kunye ne-mortgage offer, kodwa kukho umahluko omkhulu. Isivumelwano ngokwemigaqo yingxelo evela kumbolekisi ukuba uzimisele ngokwethiyori ukukuboleka isixa-mali esithile ngokusekelwe kubungqina akubonisileyo. Ayisosithembiso semali-mboleko, kodwa ibonisa uluhlu lwamaxabiso onokuthi ujonge xa ukhangela indlu, kwaye ibonisa umthengisi ukuba ungenza isithembiso esinzulu. Xa ufaka isicelo semali-mboleko, akufuneki uhambe nombolekisi ofanayo owakunika i-AIP, nangona inokwenza izinto zibe lula. I-AIP nayo ayisosiqinisekiso sokuba uya kufumana loo mali yokubambisa.
Ileta yesiBonelelo se-Mortgage
Thelekisa iMigangatho yokuHlola iNgcaciso yam yokuHambisa i-My Move ilandela izikhokelo ezingqongqo ukuqinisekisa ukuba wonke umxholo uchanekile, uthembekile kwaye ubambelela kumgangatho ophezulu womgangatho. Inqaku ngalinye lijongwa ngamalungu ephaneli yethu yababhali ngaphambi kokuba lipapashwe ukukhuthaza umxholo ochanekileyo kunye nomgangatho:
Nje ukuba unikwe imali yokubambisa, unikwa ixesha eliqingqiweyo apho unikezelo lusemthethweni ukugqiba ukuthengwa kwepropati. Ngokuqhelekileyo iinyanga ezi-3-6 ukusuka kwixesha le-mortgage enikezelwayo, kuxhomekeke kumbolekisi. Ukuba unenkxalabo yokuba ukuthengwa kwekhaya akuyi kugqitywa ngexesha, kuya kufuneka uqhagamshelane nombolekisi ukuze ucele ukwandiswa. Kungenjalo, kuya kufuneka uphinde ufake isicelo semali-mboleko Ukufumana isithembiso semali-mboleko linyathelo elibalulekileyo ekuthengeni ipropati. Ngexabiso lendlu ephakathi e-UK ngoku kwi-£ 238.885, i-mortgage yindlela kuphela abantu abaninzi abanokuthenga ngayo ikhaya, ngakumbi xa kunikwa ixabiso lilonke lokuthenga ikhaya. Siza kukubonelela ngayo yonke into odinga ukuyazi malunga nexesha lonikezelo lwemali-mboleko kunye nento omawuyenze ukuba isithembiso sakho sokubambisa siphelile.
unikezelo lwemali-mboleko ebophelelayo
Nje ukuba ufumene isibonelelo semali mboleko, usendleleni eya kulanda izitshixo kwaye uthathe amanyathelo okuqala kwikhaya lakho elitsha. Kodwa iingxaki zihlala zivela ezibangela ukulibaziseka, kwaye kungaphambi kokuba ulibaziseko lwangemva kobhubhane lufakwe.
Unale nto engqondweni, kuyanceda ukwazi ukuba isithembiso sakho semali-mboleko siya kuhlala ixesha elingakanani ukuze unciphise nakuphi na ukulibaziseka okulindelekileyo kwaye ugqibezele ukuthenga kwakho ngexesha. Esi sikhokelo senzelwe ukukunceda wenze loo nto kanye.
Ukufumana iSibonelelo seMboleko-mali siqinisekisiwe Isithembiso sakho semali-mboleko siya kuqinisekiswa wakuba usebenze kwisicelo sendlu-mboleko kwaye unike umbolekisi wakho iinkcukacha eziceliweyo malunga noku kulandelayo:
Zonke izibonelelo ze-mortgage zisebenza ixesha elithile. Ngokuqhelekileyo, zihlala phakathi kweenyanga ezi-3 nezi-6, kuxhomekeke kumbolekisi. Bonke ababoneleli-mali mboleko basebenza kwiikhrayitheriya ezahlukeneyo, ngoko kufanelekile ukujonga ixesha lonikezelo kwangaphambili ukuba ulindele ukulibaziseka.
Umhla wokuqala wonikezelo udla ngokuqala ngomhla okhutshiweyo, nangona abanye ababolekisi beza kuqalisa iwotshi ukusukela kusuku eqala ngalo isicelo. Umhla wokuphelelwa kwexesha uya kuchazwa kumaxwebhu abakuthumela wona.
