Uqala nini ukuhlawula inqununu ngaphezu kwenzala?
Imithetho yeBhanki Embindi yaseIreland ifaka imida kwisixa-mali ababolekisi bemalike yase-Ireland banokuboleka kubafaki-zicelo bezindlu zokuhlala. Le mida isebenza kumlinganiselo wemali-mboleko-kwingeniso (LTI) kunye ne-LTV) kuzo zombini iindawo zokuhlala eziphambili kunye nezindlu ezijoliswe ekurentiseni, kwaye zongezwa kwimigaqo-nkqubo yokuthenga ngetyala kunye nemigaqo yababolekisi. Umzekelo, umbolekisi unokukhawulela ipesenteji yomvuzo owuthathayo oya ekhaya onokuwusebenzisa ukuhlawula imali-mboleko yakho.
Umda we-3,5 amaxesha omvuzo wakho wonyaka uyasebenza kwizicelo ze-mortgage kwikhaya lokuqala. Lo mda ukwasebenza kubantu abanexabiso elibi abafake izicelo zokubambisa ngendlu entsha, kodwa hayi abo bafaka isicelo semali mboleko ukuze bathenge indlu erentwayo.
Ababolekisi banengqiqo ethile xa kuziwa kwizicelo zokubambisa. Kubathengi bokuqala, i-20% yexabiso le-mortgages evunyiweyo ngumbolekisi inokuthi ibe ngaphaya kwalo mda, kwaye kubathengi besibini kunye nabalandelayo, i-10% yexabiso lezo zindlu ezibolekwayo zingaba ngaphantsi kwesi siphelo.
Uqala nini ukuhlawula inqununu ngaphezu kwenzala kwimali mboleko yemoto?
Kunokubakho iindidi ezididayo zokubolekwa kwezindlu, kodwa kuninzi lwabathengi bezindlu, ngokwesiqhelo, inye kuphela. Imali-mboleko yeminyaka engama-30 yexabiso elimiselweyo yinto eqhelekileyo yaseMelika, i-apile pie yezixhobo zemali. Yindlela izizukulwana zabantu baseMelika abaye bayithatha ukuze babe nekhaya labo lokuqala
I-mortgage ayikho ngaphezu kohlobo oluthile lwemali mboleko yexesha, eqinisekisiwe yi-real estate. Kwixesha lemali-mboleko, lowo ubolekayo uhlawula inzala ebalwa ngonyaka ngokuchasene nentsalela eseleyo yemali-mboleko. Zombini inzala kunye nesavenge senyanga zimisiwe.
Njengoko isavenge senyanga simisiwe, inxalenye emiselwe ukuhlawula inzala kunye nenxalenye emiselwe ukuhlawula imali eyinkunzi iyatshintsha ngokuhamba kwexesha. Ekuqaleni, ngenxa yokuba ibhalansi yemali mboleko iphezulu kakhulu, uninzi lwentlawulo yinzala. Kodwa njengoko ibhalansi iba yincinci, inxalenye yenzala yentlawulo ihla kwaye inxalenye eyintloko inyuka.
Imali-mboleko yexesha elifutshane ithwala intlawulo ephezulu yenyanga, yenza ukuba imali-mboleko yeminyaka eyi-15 ibonakale ifikeleleka kangako. Kodwa ixesha elifutshane lenza ukuba imali-mboleko ingabizi kakhulu kwiinkalo ezininzi. Ngapha koko, kubomi bemali-mboleko, i-mortgage yeminyaka engama-30 iya kugcina ixabisa ngaphezulu kokuphindwe kabini kunokhetho lweminyaka eyi-15.
IKhatyhuleyitha yeNgcaciso yeNgcaciso ye-Mortgage
I-amortization emfutshane ingakongela imali kuba uhlawula inzala encinci kubomi bemali-mboleko yakho. Isixa sentlawulo yemali-mboleko yesiqhelo siya kuba phezulu, njengoko uhlawula imali eseleyo ngexesha elincinci. Nangona kunjalo, unokwakha i-equity kwikhaya lakho ngokukhawuleza kwaye ube simahla kwi-mortgage kwakamsinya.
Jonga itshathi engezantsi. Ibonisa iimpembelelo zamaxesha amabini ahlukeneyo okuhlawula amatyala kwintlawulo yokubambisa kunye neendleko zenzala iyonke. Ixabiso lenzala lilonke linyuka kakhulu ukuba ixesha le-amortiation lidlula iminyaka engama-25.
Awunyanzelekanga ukuba ubambelele kwixesha le-amortization olikhethileyo xa ufaka isicelo semali-mboleko yakho. Kuyavakala ngokwezemali ukuphonononga kwakhona i-amortation yakho ngalo lonke ixesha uhlaziya imali yakho yokubambisa.
Yeyiphi ipesenti yemali-mboleko yeminyaka engama-30 ehlawulwayo kwiminyaka eyi-10?
Ukuthenga ikhaya nge-mortgage yeyona ntengiselwano inkulu yezemali uninzi lwethu oluyenzayo. Ngokuqhelekileyo, ibhanki okanye umbolekisi we-mortgage uxhasa i-80% yexabiso lekhaya, kwaye uyavuma ukuyihlawula kwakhona - kunye nenzala - kwixesha elimiselweyo. Xa uthelekisa ababolekisi, amaxabiso emali-mboleko, kunye nokhetho lwemali-mboleko, kuyanceda ukuqonda indlela i-mortgages esebenza ngayo kwaye loluphi uhlobo olunokuba lulungele wena.
Kwiimali-mboleko ezininzi, inxalenye yemali ebolekiweyo (inqununu) kunye nenzala ibuyiswa ngenyanga nganye. Umbolekisi uya kusebenzisa i-amortization formula ukwenza ishedyuli yentlawulo eyahlula intlawulo nganye ibe yinqununu kunye nenzala.
Ukuba wenza iintlawulo ngokwesicwangciso sokubuyisela imali mboleko, iya kuhlawulwa ngokupheleleyo ekupheleni kwexesha elimiselweyo, umzekelo iminyaka engama-30. Ukuba i-mortgage yizinga elimiselweyo, intlawulo nganye iya kuba yimali elinganayo yedola. Ukuba i-mortgage yireyithi eguquguqukayo, intlawulo iya kutshintsha ngamaxesha njengoko izinga lenzala kwimali-mboleko litshintsha.
Ixesha, okanye ubude, bemali-mboleko yakho bukwachaza ukuba uza kuyihlawula malini nyanga nganye. Okukhona ixesha lide, kokukhona zisezantsi iintlawulo zenyanga. Ukurhweba kukuba okukhona kuthatha ixesha ukuhlawula imali-mboleko, kokukhona liphezulu ixabiso lilonke lokuthenga ikhaya kuba inzala iya kuhlawulwa ixesha elide.
