I-Remortgage yokuphucula izindlu
Xa ufunda malunga ne-remortgage, usenokufumana kwakhona igama lokutshintsha kwemveliso. Kubalulekile ukuba ungadibanisi le migaqo mibini, ekubeni ngelixa ukubuyisela imali kuthetha ukwenza isivumelwano se-mortgage entsha kunye nomnikezeli omtsha, utshintsho lwemveliso lwenzeka xa isiphelo sekhontrakthi yakho yokubolekwa kwemali sifika kwaye uthatha isigqibo sokwenza isivumelwano esitsha kunye nomboneleli ofanayo.
Abanini bezindlu ngamanye amaxesha bafaka i-remortgage ukuze bandise ixesha le-mortgage yabo ukuze banciphise iintlawulo zenyanga. Nangona kunjalo, ukwandisa ixesha le-mortgage kunokubiza imali eninzi ekuhambeni kwexesha. Abanye bakhetha ukuboleka imali ukuze bakhulule i-equity eqokelelweyo yezinye iindleko ezinxulumene nekhaya, ezinje ngokuphuculwa kwekhaya.
Logama nje imeko yakho yezemali ingatshintshanga kakhulu kwaye awuthathi mboleko eyongezelelweyo, kufuneka ukwazi ukuphinda uhlawule ipropathi yakho. Ukuba ufuna ukuboleka imali eninzi kwi-mortgage yakho, kuya kufuneka ubonise ukuba unako ukuhlawula nayiphi na imali mboleko eyongezelelweyo. Umbolekisi wakho unokukuhlawulisa umrhumo wokutshintsha, kwaye unokufumanisa ukuba kuya kubakho intlawulo ehambelana nokuboleka imali ngokubuza umbolekisi wakho wangoku. Ngokubanzi, ukuba uhlawuliswa iRhafu yoMbolekisi oMgangatho wokuGuquguquka (SVR), kufuneka ukwazi ukuboleka imali ngaphandle kwesohlwayo.
remortgage deutsch
Ngo-2016, umseki-ntsapho wethu u-Alex wayefuna ukongeza ukongeza okulula kwikhaya lakhe. Kwiinyanga ezintathu kamva, wafumana i-£ 2.500 elula kwaye engenanto ephepheni. Ebona ithuba lokutshintsha izinto, wacela uncedo lomhlobo wakhe osenyongweni, uJules, kwaye kunye baye babona indlela entsha efikelelekayo neselubala kwiinkonzo zokwakha.
Inkonzo yethu yezokwakha iqala ngokufunda ikhaya lakho. Ukusuka apho, siza kusebenzisana ukwenza iimbono zakho ziphile, sikhusele iphepha-mvume lakho lokwakha, kwaye ekugqibeleni senze iiplani ezifunekayo zokuqalisa ukwakha.
Ngaba uyafuna ukuyihlaziya indlu yakho kulo nyaka? Mhlawumbi ikhitshi elitsha okanye uguqulo lweloft? Okanye igumbi lokuhlambela elitsha nje? Indawo yakho yokuhlala inokukunceda uxhase ngemali iprojekthi yakho yokuhlaziya, kodwa kukho izinto ezilungileyo nezingalunganga ekufuneka uziqwalasele. Nasi isikhokelo sethu esipheleleyo sokubhatalwa ngokutsha kulungiso lwekhaya.
Ngokubuyisela indawo yokuhlala, unokukhulula i-equity kwikhaya lakho ukuze utyale imali kuphuculo. Ngamagama alula, uthatha inani lexabiso elishiyekileyo kwi-mortgage yakho yangoku kwaye wongeze iindleko zokuphucula ikhaya, uze ufake isicelo sesi sixa esipheleleyo kunye ne-remortgage. Inokongeza ubunzima kwinkqubo, kodwa yindlela ethandwa kakhulu yokuvula imali yeeprojekthi ezinkulu zokuphucula ikhaya.
Santander Remortgage
Kukho iindlela ezininzi onokukhetha kuzo xa kuziwa ekuxhaseni ngemali ukulungiswa kwekhaya, kwaye okona kukulungeleyo kuya kuxhomekeka kwiimeko zakho zobuqu. Makhe sijonge kwiinketho ezintlanu zokufumana imali oyifunayo.
Ewe, kuqhelekile ukuba uboleke imali eninzi kwindlu ukuxhasa ukwandiswa. Imalunga nokucela imali eyongezelelekileyo kumbolekisi wezindlu okhoyo ngoku ukuxhasa iprojekthi yokuhlaziya, ukusasaza izavenge kwixesha elide. Nangona kunjalo, le ayisiyiyo yodwa inketho kwaye isenokungabi yeyona ilungileyo kuwe. Funda ngakumbi malunga neendlela ezahlukeneyo zokunyusa imali yokwandisa kwakho.
I-demortgage kukudluliselwa kwemali-mboleko yakho ukusuka komnye umboneleli ukuya komnye. Ngokuqhelekileyo kwenziwa ukunyusa imali, ukuzibophelela kwisicwangciso sokuhlawula ixesha elide xa utshintshela kwi-mortgage entsha. Enye yeenzuzo ze-remortgage kukuba kunokwenzeka ukufumana imali ngokukhawuleza.
Gcina ukhumbule ukuba i-mortgage ngokwenene yimali-mboleko enkulu apho ikhaya ngokwalo lisetyenziswa njengesibambiso. Ke ngoko, ukonyusa imali-mboleko kunokuba yingozi, kuba ukuba awukwazi ukuhlawula izavenge, ubeka umngcipheko wokuba umbolekisi aphinde ahluthe indlu yakho. Ngenxa yesi sizathu, kubalulekile ukuba uqinisekise ukuba uyazi zonke iindleko zokongezwa ngaphambi kokuthatha inyathelo. Ngolwazi oluthe kratya kunye neengcebiso, ndwendwela iphepha leengcebiso ngezemali mboleko kunye nenkxaso-mali.
I-Remortgage Calculator yoLwandiso
Ngokuqinisekileyo, kukho iingenelo ezithile. Ukuba uyasandisa ixesha eliseleyo ukusuka kwiminyaka eyi-15 ukuya kwengama-25, iintlawulo zakho zenyanga ziya kuba sezantsi ukuba awuboleki imali eninzi, ikushiye unemali eyongezelelweyo oza kuyisebenzisa inyanga nenyanga. Akukho mathandabuzo ukuba ngoku kukho umkhwa obhekiselele kwimali yokubambisa ixesha elide. Ngokutsho kweNgesi Government Housing Survey, umyinge wabathengi bamakhaya abathatha imali yokubambisa ngesithuba seminyaka engama-30 okanye ngaphezulu unyuke phantse nge-50% kule minyaka ilishumi idlulileyo.
Bamba. Nokuba iintlawulo zakho zenyanga ziphantsi, uya kuzihlawula ixesha elide (iminyaka engama-35 ukuba sisebenzisa umzekelo wethu ongentla), oku kuthetha ukuba uya kuhlawula inzala eninzi kwaye yintoni enokuba yimali ephezulu kakhulu ekuhambeni kwexesha. Ukuba uneminyaka ephakathi okanye ngaphezulu, kuya kufuneka uhlawule imali-mboleko yakho de ube ngumhlala-phantsi, ngoko kuya kufuneka uthathe inyathelo.
Imalunga nokulinganisa iinketho zakho. Umbono wokuhlawula imali-mboleko ngaphambi kokuthatha umhlalaphantsi uyaqinisekisa, kodwa kunokuthetha ukuncama ezinye izinto ukuze uqhubeke uhlawula okwangoku. Ubuhle bokwandisa i-mortgage yakho kukuba uya kuqaphela umahluko ngokukhawuleza ngenxa yokuba iintlawulo zakho zenyanga ziya kuba ngaphantsi, zikushiye ixesha elide lokuchitha kwizinto ezibalulekileyo kuwe. Xa uthetha nathi apha eCharles Cameron & Associates, sizakuxoxa ngeendlela ezahlukeneyo zembuyiselo yenyanga ekhoyo kuwe kwaye sincome eyona mveliso ifanelekileyo kwiimfuno zakho.
