Ngaba ukungabi namatyala kububutyebi obutsha?
Sifumana imbuyekezo kwamanye amahlakani aneentengiso zivela kweli phepha. Asikhange sihlolisise zonke iimveliso ezikhoyo okanye unikezelo. Imbuyekezo inokuphembelela indlela unikezelo oluvela ngayo kwiphepha, kodwa izimvo zethu zomhleli kunye neereyithingi azichatshazelwa yimbuyekezo.
Uninzi okanye zonke iimveliso eziboniswe apha zivela kumaqabane ethu asihlawulela ikhomishini. Le yindlela esenza ngayo imali. Kodwa isidima sethu somhleli siqinisekisa ukuba izimvo zeengcali zethu aziphenjelelwa yimbuyekezo. Imigaqo inokusebenza kunikezelo oluvela kweli phepha.
Abantu abaninzi bayasokola ukuhlawula amatyala abo kwangethuba. Ukongeza kokugcina imali kwinzala, ukuhlawula imali-mboleko kwangethuba kunika inzuzo yokungabi natyala onokucinga ngalo. Abanye abantu abawuthandi uluvo lwetyala, nangona imali mboleko yezindlu ithathwa njengoluhlobo olusempilweni. Kodwa ngaphambi kokuba uzinyanzele ukuba uhlawule imali-mboleko yakho kwangoko, cinga ngezi zithintelo. Unokuthatha isigqibo sokunamathela kwishedyuli yakho yentlawulo yesiqhelo emva kwayo yonke loo nto.
Ngowama-2022 awona mlinganiselo weMboleki-mali we-Mortgage oPhakamileyo ayenyuka, kwaye ngokukhawuleza. Kodwa basephantsi kakhulu xa kuthelekiswa nemigangatho yembali. Ngoko ke, ukuba ufuna ukuthatha inzuzo yamaxabiso phambi kokuba anyuke kakhulu, uyakufuna ukufumana umbolekisi onokukunceda ukhusele elona xabiso lihle kakhulu.Kulapho i-Mortgage eNgcono ingena khona.Unokufumana imvume yangaphambili kancinci njengemizuzu emi-3. , akukho tshekhi yetyala elinzima, kwaye utshixe izinga lakho nangaliphi na ixesha. Enye inzuzo? Abahlawulisi mali yemvelaphi okanye yombolekisi (enokuthi ibe phezulu ukuya kutsho kwi-2% yemali-mboleko kwabanye ababolekisi).
Indlu ihlawulwe ngama-45
Njengoko umndilili weminyaka yabathengi bokuqala unyuka, abafaki-zicelo bezindlu-mboleko baxhalabile malunga nemida yobudala. Nangona ubudala bunokuba ngumba ofanele uqwalaselwe xa ufaka isicelo semali-mboleko, loo nto ayingomqobo ekuthengeni ikhaya. Kwelinye icala, abafaki-zicelo abangaphezulu kweminyaka engama-40 ubudala bafanele baqonde ukuba ubude bemali-mboleko buya kuthathelwa ingqalelo nokuba iintlawulo zenyanga zinokunyuka.
Ukuba ngumthengi wokuqala ngaphezulu kwama-40 akufanele kube yingxaki. Ababolekisi abaninzi bajonga iminyaka yakho ekupheleni kwexesha lokubambisa, kunokuba ekuqaleni. Oku kungenxa yokuba imali yokubambisa inikwa ubukhulu becala ngokusekelwe kumvuzo wakho, osoloko usekwe kumvuzo. Ukuba uthatha umhlala-phantsi ngelixa uhlawula imali-mboleko, kuya kufuneka ubonise ukuba umvuzo wakho wasemva kokuthatha umhlala-phantsi wanele ukuqhubeka uhlawula imali-mboleko.
Ngenxa yoko, ixesha lakho lokubambisa liya kuba lifutshane, kwaye ubuninzi beminyaka engama-70 ukuya kuma-85. Nangona kunjalo, ukuba awukwazi ukubonisa ukuba umvuzo wakho wasemva kokuthatha umhlala-phantsi uya kuhlawulela imali yakho yokubambisa, imali yakho yokubambisa inokuthotywa ukuya kwixesha lomhlalaphantsi likazwelonke.
Ngaba kufuneka uthathe imali-mboleko yeminyaka engama-30 kwiminyaka engama-50?
Ubudala yinto xa ufaka isicelo semali mboleko. Jonga umda weminyaka yokubambisa xa ufaka isicelo. Thetha ne-mortgage broker. Ezinye iimali mboleko eziphezulu zifumaneka kuphela ngabo kwaye baya kufunda ngemali yakho ukuze bakufumanele isipho esifanelekileyo. Qinisekisa ukuba ukhetha i-mortgage ehambelana neemeko zakho.
Kwamanye amanqaku siye sabalula ukubaluleka kokucwangcisela umhlala-phantsi. Isizathu sicacile, kodwa singahoywa: wakube urholile awusasebenzi, nto leyo ethetha ukuba awusayifumani intlawulo yenyanga. Ababolekisi bayayibona le nto kwaye baqaphele ukuba ukukunika imali yokubambisa kuyingozi njengoko usiya ukhula.
Ababolekisi kufuneka balandele i-Mortgage Market Review (MMR) imithetho, oku kuthetha ukuba kufuneka baqinisekise ukuba unako ukugcina iintlawulo zexesha lonke le-mortgage. Kholwa okanye hayi, azikho nzima. Ukuba siyehla kuyo, into yokuba uninzi lwabarhwebi bezindlu-mboleko bafuna ukuba imali yokubambisa mayihlawulwe ngaphambi kwexesha lokuthatha umhlala-phantsi ayifumaneki kangako. Enyanisweni, isengqiqweni. Kubantu abaninzi, amathuba okuba akwazi ukuhlawula amatyala e-mortgage asezantsi kakhulu kumhlalaphantsi kunokuba usebenza.
Wawuneminyaka emingaphi xa wawuhlawula imali mboleko yakho?
Ukuba ufumene isixa-mali obungasilindelanga okanye wonge isambuku esikhulu kule minyaka idlulileyo, kusenokukulinga ukuhlawula imali-mboleko yakho yendlu phambi kwexesha. Enoba ukuhlawula imali-mboleko yendlu kwangethuba kusisigqibo esihle okanye akunjalo kuxhomekeke kwiimeko zemali zomboleki-mali, inzala yemali-mboleko, nokuba ukufutshane kangakanani na kumhlala-phantsi.
Kufuneka kwakhona uthathele ingqalelo ukuba eso sixa semali sityaliwe endaweni yokuhlawula i-mortgage. Eli nqaku liphonononga ixabiso lenzala elinokuthi ligcinwe ngokuhlawula imali-mboleko iminyaka elishumi phambi kweshedyuli ngokuchasene nokutyala imali kwimarike, ngokusekelwe kwiimbuyekezo ezahlukeneyo zotyalo-mali.
Ngokomzekelo, kwintlawulo yenyanga yeedola ezili-1.000 300, iidola ezingama-700 zinokusetyenziselwa inzala kunye needola ezingama-XNUMX zokunciphisa ibhalansi eyintloko yemali-mboleko. Inzala kwimali-mboleko yemali-mboleko inokwahluka ngokuxhomekeke kwizinga lenzala kuqoqosho kunye nokufaneleka komboleki.
Ishedyuli yentlawulo yemali-mboleko kwithuba leminyaka engama-30 ibizwa ngokuba yishedyuli ye-amortization. Kwiminyaka yokuqala, iintlawulo kwi-fixed-rate-mortgage loan zenziwa ngokuyinhloko kwinzala. Kwiminyaka yakutshanje, inxalenye enkulu yentlawulo yemali-mboleko isetyenziswe ekunciphiseni inqununu.
