I-Mortgage ye-70.000
*Iminxeba isenokurekhodwa ngeenjongo zolawulo noqeqesho. Iireyithi zokufowunela kwiinombolo ze-03 ziyafana nezo zofowunela kwiinombolo zefowuni zasekhaya eziqhelekileyo zase-UK eziqala ngo-01 okanye ku-02 kwaye zikwabandakanywa kumzuzu kunye neepakethe zokufowuna ezingenamkhawulo.
Nceda uqaphele ukuba eli khonkco liya kukuthatha kwiwebhusayithi eqhutywa ngomnye umbutho. Asinalo ulawulo kumxholo wewebhusayithi zangaphandle kwaye asikwazi ukwamkela naluphi na uxanduva lwezinto eziphathekayo kwiiwebhusayithi ezinjalo. Yamkela kwaye uqhubeke
30.000 intlawulo mortgage
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
i-mortgage calculator
Sebenzisa ikhatyhuleyitha yethu yentlawulo yokubambisa ukuze ufumanise ukuba ukonyuka kwentlawulo yakho yenyanga kunokulinciphisa njani ixesha lokubambisa kwakho. Ukufumanisa ukuba intlawulo yakho yenyanga iya kusekelwa kwixabiso lekhaya lakho, inzala kunye nezinye izinto, sebenzisa i-calculator yethu yokubambisa.
Ngale calculator yokuhlawula amortgage, ubale ukuba unokuhlawula ngokukhawuleza kangakanani ikhaya lakho. Ngokubala ifuthe leentlawulo ezongezelelweyo, unokufunda ukonga imali kwisixa esipheleleyo senzala oya kuyihlawula kubomi bemali mboleko.
Sebenzisa inqaku elithi "Iintlawulo ezongezelelweyo" ukufumanisa ukuba ungalenza lifutshane ixesha lemali-mboleko yakho kwaye wonge imali kwinzala ngokuhlawula isixa-mali esongezelelweyo kwinqununu yemali mboleko yakho nyanga nganye, nyaka ngamnye okanye kwisixa-mali sentlawulo.
Intlawulo yakho yokubambisa ichazwa njengenqununu kunye nentlawulo yenzala kule calculator yentlawulo yokubambisa. Xa uhlawula imali eyongezelelweyo ngaphezulu kwebhalansi yakho eyintloko, unciphisa isixa-mali semboleko yakho kwaye wonge imali kwinzala.
Khumbula ukuba unokuhlawula ezinye iindleko kwintlawulo yakho yenyanga, njenge-inshurensi yendlu, irhafu yepropathi, kunye ne-inshurensi yokubambisa yangasese (PMI). Ukufumana ulwahlulo lweendleko zakho zentlawulo yokubambisa, zama i-calculator yethu yasimahla yokubambisa.
I-Mortgage yomvuzo we-30 lamawaka
Kodwa kuthekani ngabanini abahlala ixesha elide? Loo minyaka engama-30 yentlawulo yenzala inokuqala ukuziva ingumthwalo, ngakumbi xa ithelekiswa neentlawulo kwimali-mboleko yangoku enenzala ephantsi.
Nangona kunjalo, nge-15 ye-refinance yeminyaka, unokufumana inzala ephantsi kunye nexesha elifutshane lemali-mboleko ukuze uhlawule imali-mboleko yakho ngokukhawuleza. Kodwa hlala ukhumbula ukuba ixesha elifutshane lokubambisa kwakho, liphezulu iintlawulo zenyanga.
Kwinqanaba lenzala ye-5% kwiminyaka esixhenxe kunye neenyanga ezine, iintlawulo zakho ze-mortgage eziqondiswe ngokutsha ziyalingana ne-135.000 yeedola. Akagcinanga nje inzala engama-59.000 yeedola, kodwa unogcino lwemali eyongezelelweyo emva kwexesha lemali-mboleko yeminyaka engama-30.
Enye yezona ndlela zilula zokwenza intlawulo eyongezelelweyo ngonyaka kukuhlawula isiqingatha sentlawulo yendlu yakho rhoqo emva kweeveki ezimbini endaweni yokuhlawula imali epheleleyo kanye ngenyanga. Oku kwaziwa ngokuba "ziintlawulo zeveki ezimbini."
Nangona kunjalo, awukwazi ukuqalisa ukwenza intlawulo rhoqo kwiiveki ezimbini. Umnikezeli-nkonzo wemali-mboleko unokubhideka kukufumana iintlawulo ezingaphelelanga nezingaqhelekanga. Thetha nomntu obolekisa ngemali yakho kuqala ukuze nivumelane ngesi sicwangciso.
