Thenga indlu kwingxowa-mali yamaxhalanga
NgoJulayi ka-2020, uRhulumente wabhengeza ukuba, njengenxalenye yephakheji yovuselelo, isixa somnyinyiva werhafu onokufunyanwa ngabathengi bokuqala xa bethenga okanye bezakhela ikhaya elitsha phantsi kwesicwangciso soncedo siya kunyuswa.
Ngaphantsi kwesi sicwangciso, isibonelelo esiphezulu esikhoyo sinyuswe okwexeshana ukusuka kwi-€ 20.000 okanye i-5% yexabiso lekhaya ukuya kwi-€30.000 okanye i-10% yexabiso lekhaya kude kube nguDisemba 31, 2020. Kuhlahlo lwabiwo-mali luka-2021, oku kunyuka. yandiswa de kube nguDisemba 31, 2021.
Kwabo bafuna ukungena kwileli yezindlu nezindlu, oku kusisiqabu esixabiseke kakhulu kwaye sifumaneka kuphela ixesha eliqingqiweyo. Ngenxa yoku, sinemibuzo emininzi malunga nendlela esebenza ngayo yonke le nto, ke ngoko siye sakhetha eyona mibuzo idla ngokubuzwa kwaye siyiphendule ngezantsi kwireferensi yakho:
Ngokusisiseko, igama linika kude; Sikimu sembuyekezo yerhafu karhulumente, eyamiselwa ukunceda abathengi ukuba bafumane idiphozithi kumakhaya abo. Ukongeza, ikhuthaza abaphuhlisi ukuba bakhe amakhaya amatsha ukuze isicwangciso siqhubeke nokusebenza.
Ingxowa-mali yamaxhalanga yathenga imali-mboleko yam
Kwezinye iimeko apho ikhaya lakho liye lahluthwa, okanye izitshixo zibuyiselwe kumbolekisi wakho we-mortgage, unokuxelelwa kamva ukuba usatyala imali. Oku kwenzeka xa isixa-mali esithengiselwa sona ikhaya lakho singanelanga ukuhlawula imali-mboleko eseleyo kunye nayo nayiphi na imali-mboleko ekhuselweyo.
Kukho imigaqo malunga nokuba umbolekisi kufuneka aqhagamshelane nawe ngokukhawuleza kangakanani emva kokuthengiswa kwekhaya ukuba ufuna ukwenza ukusilela. Nceda ubhekisele kumacandelo amabini angezantsi koMgaqo-nkqubo weMali wase-UK kunye neMithetho yeGunya lokuPhatha kweMali.
I-FCA's Mortgages and Home Finance: Conduct of Business sourcebook (MCOB) ithi umbolekisi kufuneka aphathe ngobulungisa nawuphi na umthengi onetyala elishotayo. Umbolekisi akafuneki ukuba abuyise ityala elibi, kodwa ukuba kunjalo, kufuneka akuxelele ngokubhala kwisithuba seminyaka emihlanu ukususela kumhla wokuthengiswa kwendlu yakho. Ukuba awenzi njalo, ungenza isikhalazo kwi-Financial Ombudsman Service (FOS). Jonga abafowunelwa abaluncedo kamva kolu xwebhu.
Umgaqo-nkqubo weMali we-UK ngoku uyinxalenye yemithetho ye-MCOB ye-FCA. Ukuba indawo yakho yathi yahluthwa yaza yathengiswa kwiminyaka engaphezu kwemihlanu eyadlulayo, kwaye awukhange udityaniswe nombolekisi wakho ukuze ufumane naliphi na ityala eliseleyo, akufanelekanga ngoku uhlawule nayiphi na intsilelo.
Ingaba iimali zamaxhalanga ziyihlawula malini imali-mboleko?
Usenokungabi namalungelo epropathi njengomqeshi, kodwa unamalungelo okuba ngumqeshi. Ezi zikholisa ukuchazwa kumanqanaba karhulumente kunye neendawo, kodwa ezona zisisiseko ziquka imfuneko yesaziso phambi kokugxothwa, ilungelo lakho kwibhondi, kunye nelungelo lakho kwizindlu ezinokuhlalwa.
Ilungelo lokonwaba likuvumela ukuba wenze nantoni na oyifunayo ngelixa ukwindawo yakho (kwakhona, ukuba nje akuchasananga nomthetho). Unokwenza amatheko, ugqatse ilanga, ujonge igadi yakho: yipropati yakho ukuba uyonwabele.
Amalungelo omhlaba abalulekile kuba anika ukuqonda okucacileyo ngobunini bomhlaba kwaye aligalelo kuphuhliso loqoqosho. Njengomninikhaya, unokukhusela ipropati yakho ngeendlela ezininzi. Ungayenza:
Okukhona unepropati eninzi, kokukhona kunokuba nzima ukukhusela amalungelo epropathi yakho, kuba usenokungakwazi ukulawula i-akile nganye yepropati yakho ngalo lonke ixesha. Nangona kunjalo, ukuba uhlala kwipasile kulwahlulwa-hlulo, akunokufuneka wenze okuninzi ukukhusela indawo yakho. Ulwahlulo lwakho lunokuba nokhuseleko olwakhelwe ngaphakathi.
I-mortgages yokuqala yingxowa-mali yexhalanga
Urhulumente ubeke inzala yemali-mboleko kwi-2,5% ngonyaka kwaye ixesha lokuhlawula yiminyaka emithandathu. Kwiinyanga ezili-12 zokuqala akukho nto kufuneka uhlawule. Iinkampani zihlala zinoxanduva lwe-100% yembuyekezo yemali ebolekiweyo, kunye nenzala, emva konyaka wokuqala.
INkqubo ivulelekile kumashishini amaninzi, nokuba ingakanani na isayizi yeshishini, ehlangabezana nemigaqo yokufaneleka kwaye yasekwa ngomhla woku-1 kuMatshi ngo-2020 okanye ngaphambi kwayo. Ababoleki kufuneka babhengeze, phakathi kwezinye izinto, ukuba:
Kwezinye iinkampani, ezizichaza ngokwazo "njengenkampani esebunzimeni" ukusukela nge-31 kaDisemba 2019, kunokubakho izithintelo kwisixa-mali semali abavunyelwe ukuboleka kunye nento abanokuyenza ngemboleko[2].
Amashishini ebekade eboleke imali engaphantsi kowona mthamo uphezulu ukhoyo phantsi kwenkqubo asenokukhetha ukongeza imali ebeyibolekile. Iinkampani kufuneka zigcwalise ifom yesicelo eyahlukileyo, ziqinisekisa kwakhona iingxelo ezenziwe kwifom yesicelo sokuqala. Iinkampani zinokungenisa isicelo esinye sokutshaja kwakhona.
