Iimali mboleko kwilizwe lonke kubantu abangaphezu kweminyaka engama-70 ubudala
Ekubeni i-Mortgage Market Review (MMR) yaziswa ngo-2014, ukufaka isicelo se-mortgage kunokuba nzima kwabanye: ababolekisi kufuneka bahlole ukufikeleleka kwaye bathathele ingqalelo inani lezinto, kuquka iminyaka.
Injongo kukuqinisekisa ukuba abantu abathatha umhlala-phantsi abanamali-mboleko engafikelelekiyo kubo. Kuba imivuzo yabantu ithande ukwehla xa beyekile ukusebenza kwaye baqokelele imali yabo yomhlalaphantsi, iRisk Management Regulations ikhuthaza ababolekisi nababoleki ukuba bahlawule imali yokubambisa ngaphambi koko. Nangona kunjalo, oku akusoloko kusenzeka okanye kusebenzele wonke umntu, kwaye abanye ababolekisi badibanisa oku ngokubeka imida yeminyaka yokubuyisela imali mboleko. Ngokuqhelekileyo, le mida yobudala i-70 okanye i-75, ishiya ababoleki abaninzi abadala kunye neendlela ezimbalwa.
Isiphumo sesibini sale mida yobudala kukuba imimiselo ifinyeziwe, oko kukuthi, kufuneka ihlawulwe ngokukhawuleza. Kwaye oku kuthetha ukuba imirhumo yenyanga iphezulu, enokuthi ibenze bafikeleleke. Oku kukhokelele kwizityholo zocalulo lobudala, ngaphandle kweenjongo ezintle zeRMM.
NgoMeyi ka-2018, u-Aldermore uphehlelele imali yokubambisa onokuthi ube nayo ukuya kuthi ga kwiminyaka engama-99 #JusticeFor100yearoldmortgagepayers. Kwangaloo nyanga inye, uMbutho Wokwakha Iintsapho wandisa ubudala bawo obona buninzi ekupheleni kwelo candelo ukuya kutsho kwiminyaka engama-95. Abanye, ubukhulu becala iinkampani zokubambisa, zibuphelise ngokupheleleyo ubudala obuphezulu. Nangona kunjalo, abanye ababolekisi besitrato esiphakamileyo basanyanzelisa umda weminyaka engama-70 okanye engama-75, kodwa ngoku kukho ukuguquguquka ngakumbi kubaboleki abadala, njengoko kwiLizwe lonke kunye neHalifax bandise umda weminyaka ukuya kuma-80.
Ngubani onokuba ngumqinisekisi werenti
Xa ufaka isicelo se-mortgage (hypotheek) eNetherlands, uphantsi kweemeko ezifanayo njengeDatshi. Kuya kufuneka usebenze kwaye uhlale apha kwaye umbolekisi uya kufuna ulwazi malunga nomvuzo wakho kunye namatyala, ixabiso lepropati, isivumelwano sakho sengqesho, isimo sakho somtshato kunye nokunye.
Njengokuphuma kwelinye ilizwe, kuya kufuneka uhlangabezane neemfuno ezongezelelweyo zokufumana imali mboleko eNetherlands. Njengaye nabani na ongomnye, kufuneka ube neNombolo yeNkonzo yabemi (BSN). Uya kuyifumana xa ubhalisa kumasipala, umzekelo, apha eAmsterdam. Ukuba awungommi we-EU/EEA (i-European Economic Area), kunyanzelekile ukuba ufumane imvume yokuhlala (verblijfsvergunning). Umqeshi wakho udla ngokukunceda ukuba uyifumane.
Ezinye iibhanki okanye ababolekisi banokuba neemfuneko ezongezelelweyo kubaboleki bangaphandle. Umzekelo, banokufuna ukuba uhlale eNetherlands kangangeenyanga ezintandathu. Basenokufuna ukuba ube nengeniso ngee-euro okanye ubuzwe be-EU. Kusenokubakho iimfuno ezongezelelweyo ukuba umtsha kwilizwe okanye kwinkampani.
Ngaba ungafumana imali yokubambisa ngemali yomhlalaphantsi e-UK?
Sibonisa unikezelo esinokululandela, kodwa ayizizo zonke iimveliso kwimarike… okwangoku. Ngaphandle kokuba sithetha ngenye indlela, iimveliso azikho kulo naluphi na ulandelelwano oluthile. Amagama athi "yeyona nto ibhetele", "phezulu", "ixabiso eliphantsi" (kunye nokwahluka kwazo) azikho iireyithingi, nangona sihlala sichaza ukuba imveliso ilungile kangakanani xa siyiqaqambisa. Oku kuxhomekeke kwimiqathango yethu yokusetyenziswa. Xa usenza izigqibo ezibalulekileyo zemali, cinga ngokufumana iingcebiso ezizimeleyo zemali. Hlala ugcina ezakho iimeko engqondweni xa uthelekisa iimveliso ukuze ufumane oko kukulungeleyo.
URachel Wait yintatheli ezimeleyo ebibhala malunga nezezimali zomntu ngaphezulu kweminyaka elishumi, igubungela yonke into ukusuka kwi-inshurensi ukuya kwimali yokubambisa. Ubhalele iiwebhusayithi ezahlukeneyo zezimali kunye namaphephandaba esizwe, kwaye ubhaka ngexesha lakhe lokuphumla.
Iimali mboleko ezingaphezulu kwama-65s
Nje ukuba ufikelele kwiminyaka engama-50, iinketho zokubambisa ziqala ukutshintsha. Oku akuthethi ukuba akunakwenzeka ukufumana ikhaya ukuba ukwiminyaka okanye ukufutshane neminyaka yokuthabatha umhlala-phantsi, kodwa kubalulekile ukwazi ukuba ubudala bunokuchaphazela njani xa ucela imali-mboleko.
Nangona ababoneleli abaninzi bemali-mboleko bebeka imida yobudala ephezulu, oku kuya kuxhomekeka ekubeni usondela kubani na. Kwaye, kukho ababolekisi abaziingcali kwiimveliso eziphezulu zokubambisa, kwaye silapha ukukukhomba kwicala elifanelekileyo.
Esi sikhokelo siya kuchaza impembelelo yobudala kwizicelo zokubambisa, ukuba ukhetho lwakho lutshintsha njani ngokuhamba kwexesha, kunye nesishwankathelo seemveliso ezikhethekileyo zokubambisa imali yomhlalaphantsi. Izikhokelo zethu malunga nokukhutshwa kwemali eyinkunzi kunye neemali mboleko zobomi nazo ziyafumaneka ngolwazi oluthe vetshe.
Njengoko ukhula, uqala ukubeka umngcipheko omkhulu kubaboneleli bezindlu eziqhelekileyo, ngoko kunokuba nzima ukufumana imali mboleko kamva ebomini. Ngoba? Oku kuvamise ukuba kungenxa yokuhla komvuzo okanye imeko yempilo yakho, kwaye rhoqo zombini.
Emva kokuba urholile, awusayi kuphinda ufumane umvuzo wesiqhelo emsebenzini wakho. Nokuba unomhlalaphantsi oza kubuyela kuyo, kunokuba nzima kubabolekisi bazi kakuhle ukuba uza kurhola ntoni. Umvuzo wakho nawo usenokuhla, nto leyo enokuchaphazela ukukwazi kwakho ukuhlawula.
