Yintoni umlinganiselo ofanelekileyo wemali-mboleko-kwixabiso?
Igama elithi "i-mortgage" libhekisela kwimali-mboleko esetyenziselwa ukuthenga okanye ukugcina ikhaya, umhlaba, okanye ezinye iindidi ze-real estate. Umboleki uyavuma ukuhlawula umbolekisi ngexesha, ngokuqhelekileyo kuluhlu lweentlawulo eziqhelekileyo ezahlulwe zibe yinqununu kunye nenzala. Ipropati isebenza njengesibambiso ukukhusela imali-mboleko.
Umboleki kufuneka afake isicelo semali-mboleko ngokusebenzisa umbolekisi wakhe amkhethayo kwaye aqinisekise ukuba bayahlangabezana neemfuno ezininzi, ezinje ngamanqaku asezantsi etyala kunye neentlawulo eziphantsi. Izicelo ze- mortgage zihamba ngenkqubo engqongqo yokubhala phantsi ngaphambi kokuba zifike kwinqanaba lokuvala. Iindidi ze-mortgages ziyahluka ngokuxhomekeke kwiimfuno zomboleki, njengemali-mboleko eqhelekileyo kunye nemali mboleko emiselweyo.
Abantu kunye namashishini basebenzisa imali yokubambisa ukuze bathenge umhlaba ngaphandle kokuhlawula ixabiso elipheleleyo lokuthenga ngaphambili. Umboleki uyayihlawula imali-mboleko kunye nenzala kwinani elimiselweyo leminyaka ade abe ngumnini wepropati ngaphandle kwentlawulo. Iimali zokubambisa zikwabizwa ngokuba ziimali-mboleko ezichasene nepropati okanye amabango epropati. Ukuba umboleki uyasilela kwi-mortgage, umbolekisi unokuvala ipropati.
Imali mboleko yendlu
I-Loan-to-value (LTV) luvavanyo lomngcipheko wemali-mboleko ethi amaziko emali kunye nabanye ababolekisi bajonge phambi kokuba bavume imali-mboleko. Uvavanyo lwemali-mboleko enomlinganiselo ophezulu wemali-mboleko-kwixabiso lidla ngokubonwa njengemali-mboleko enobungozi. Ngoko ke, ukuba i-mortgage ivunyiwe, imali-mboleko inezinga eliphezulu lenzala.
Ukongeza, imali-mboleko enomlinganiselo ophezulu we-LTV inokufuna ukuba umboleki athenge i-inshurensi ye-mortgage yokunciphisa umngcipheko kumbolekisi. Olu hlobo lwe-inshurensi lubizwa ngokuba yi-inshurensi ye-mortgage yangasese (PMI).
Umlinganiselo we-LTV ubalwa ngokwahlula imali ebolekiweyo ngexabiso eliqikelelweyo lepropati, elichazwe njengepesenti. Ngokomzekelo, ukuba uthenge indlu exabisa i-$ 100.000 ngexabiso layo eliqikelelweyo, kwaye wenze intlawulo ephantsi ye-$ 10.000, uya kuboleka i-$ 90.000. Isiphumo sisilinganiselo se-LTV sama-90% (okt 90.000/100.000).
Ukumisela umlinganiselo we-LTV yinxalenye ebalulekileyo yokubhala phantsi imali yokubambisa. Ingasetyenziselwa inkqubo yokuthenga ikhaya, ukubuyisela imali-mboleko yangoku kwimali-mboleko entsha, okanye ukuthatha imali-mboleko kwi-equity kwipropati.
Norsk mortgage
Ukuthenga ikhaya nge-mortgage yeyona ntengiselwano inkulu yezemali uninzi lwethu oluyenzayo. Ngokuqhelekileyo, ibhanki okanye umbolekisi we-mortgage uxhasa i-80% yexabiso lekhaya, kwaye uyavuma ukuyihlawula kwakhona - kunye nenzala - kwixesha elimiselweyo. Xa uthelekisa ababolekisi, amaxabiso okubambisa, kunye nokhetho lwemali-mboleko, kuyanceda ukuqonda ukuba isebenza njani na kwaye loluphi uhlobo olunokuba lulungele wena.
Kwiimali-mboleko ezininzi, inxalenye yemali ebolekiweyo (inqununu) kunye nenzala ibuyiswa ngenyanga nganye. Umbolekisi uya kusebenzisa i-amortization formula ukwenza ishedyuli yentlawulo eyahlula intlawulo nganye ibe yinqununu kunye nenzala.
Ukuba wenza iintlawulo ngokwesicwangciso sokubuyisela imali mboleko, iya kuhlawulwa ngokupheleleyo ekupheleni kwexesha elimiselweyo, umzekelo iminyaka engama-30. Ukuba i-mortgage yizinga elimiselweyo, intlawulo nganye iya kuba yimali elinganayo yedola. Ukuba i-mortgage yireyithi eguquguqukayo, intlawulo iya kutshintsha ngamaxesha njengoko izinga lenzala kwimali-mboleko litshintsha.
Ixesha, okanye ubude, bemali-mboleko yakho bukwachaza ukuba uza kuyihlawula malini nyanga nganye. Okukhona ixesha lide, kokukhona zisezantsi iintlawulo zenyanga. Ukurhweba kukuba okukhona kuthatha ixesha ukuhlawula imali-mboleko, kokukhona liphezulu ixabiso lilonke lokuthenga ikhaya kuba inzala iya kuhlawulwa ixesha elide.
Umlinganiselo wemali-mboleko-kwixabiso
Nali icebiso elikhawulezayo xa ugcwalisa isicelo sakho semali-mboleko: Musa ukukujongela phantsi ukubaluleka kokudwelisa zonke ii-asethi zakho. Ingenza umahluko kuhlobo lwemali-mboleko oyifaneleyo kunye nenqanaba lenzala oyifumanayo.
Xa umbolekisi ephonononga isicelo sakho semali mboleko yendlu, baya kujonga amanqaku akho etyala, lilonke ityala lenyanga, kunye nomvuzo wenyanga uwonke, kunye nexabiso lemali yakho yonke. Ixabiso elipheleleyo libalulekile kuba lixelela umbolekisi ukuba yimalini na- phakathi kwengeniso kunye ne-asethi- onayo ngokwenene.
Usenokuba uyazibuza ukuba i-net value ibalwa njani. Umbolekisi uya kuthabatha naliphi na ityala onalo kwii-asethi zakho zizonke ukubala ixabiso lakho le-net, eliya kubanika umbono ongcono wokuba ingakanani na imali onayo.
Kwakhona baya kuthathela ingqalelo izinto zakho zexabiso ukuze bagqibe ngendlela obuya kwenza ngayo intlawulo xa uphulukene nomsebenzi wakho: ngaba unokuhlala unjalo iinyanga ezimbalwa? Umbolekisi unokugqiba ukuba unobungozi kangakanani umboleki ngokuhlola kuphela ukujonga kunye nee-akhawunti zokulondoloza, kodwa nokuba inqununu ibotshwe kangakanani kwii-asethi.
