Ngaba ndingalandisa ixesha lemali-mboleko yam yenzala kuphela?
Unokuboleka imali kaninzi ngokuthanda kwakho, kodwa isizathu sokwenza oko kuqhele ukukhulula imali eyongezelelweyo okanye ufumane isivumelwano esingcono. Akukho sizathu sokuboleka imali ngenxa nje yoko, kwaye ukuba awuqinisekanga ukuba inokukunceda na okanye hayi, kunokuba luncedo ukuthetha nomcebisi wemali mboleko.
Kuya kufuneka uhlawule umrhumo kwangethuba kumboneleli wakho wangoku: le yintlawulo esekelwe kwityala lakho oseleyo, ekuya kufuneka uyihlawule ngokwaphula ikhontrakthi kwangoko. Kusenokufuneka uhlawule umrhumo wokuphuma. Le ntlawulo ayisoloko ihlawuliswa, ngoko hlala ujonga iimeko zomboneleli wakho. Kuya kufuneka kwakhona uthathele ingqalelo iindleko oza kuhlawuliswa ngumboneleli omtsha. Ezi ziya kufana naleyo uyihlawuleyo xa wawuthatha imali yakho yokubambisa.
Funda ngakumbi Izinga lenzala yase-UK: omawulindele kwaye ulungiswe njaniInqanaba lesiseko seBhanki yaseNgilani lizinga lokuboleka elisemthethweni kwaye ngoku limi kwi-0,1%. Lo mgangatho wesiseko unefuthe kumazinga enzala e-UK, anokunyusa (okanye athobe) amaxabiso emali mboleko kunye neentlawulo zakho zenyanga. Funda NgakumbiUkufumana I-Mortgage Xa UmdalaEmva kokuba ungaphezu kwama-50, iinketho ze-mortgage mortgage ziqala ukutshintsha, ngoko uhlawula ngononophelo. qwalasela ukhetho lwakho. Isikhokelo sethu sikubonisa iindlela onokukhetha kuzo.Funda ngakumbi
Iinketho zokugqitywa kwe-mortgage
Yintoni i-remortgage kwangoko? Kutheni ubhatalwa kwangethuba? Ungasibuyisela nini indawo yokuhlala ukuze ukhulule izabelo zamashishini ekhaya? Ngaba ikho indlela yokuphepha iindleko zokubuyisela kwangoko? Ukuba ndiyayikhulula inqununu, ingaba izinga lam lenzala liya kutshintsha? Ungaboleka nini emva kokuthenga indlu? Kunini apho umntu othengayo angabuyiselwa? Unikezelo lwe-Remortgage
Akucetyiswa ukuba uboleke imali ukuze ufumane inzala enexabiso eliphantsi kwaye uphephe amazinga aphezulu, ngaphandle kokubonisana ngemali yokubambisa. Izohlwayo zembuyekezo yemali-mboleko ngaphambi kwexesha zinokugqitha kulo naluphi na ugcino lwenyanga.
Ukuba uchithe imali ekuphuculeni ixabiso lekhaya lakho kwaye ufuna ukukhulula i-equity esanda kwenziwa, linda ibhanki ukuba ihlole isicelo sakho kwaye wenze uhlolo olupheleleyo ngaphambi kokuba wenze isigqibo.
Ukuba isiseko sinezinga eliphezulu kwaye liyenyuka, kuya kuba njalo ireyithi yakho yokuboleka imali. Ngenxa yokuba inzala inokunyuka okanye ihle, abaninzi ababolekisi bezindlu bavumela abanini-zindlu ukuba baphinde bahlawule ngaphandle kwesohlwayo ngaphakathi kwexesha le-mortgage elandelayo.
I-mortgage yakho yasekuqaleni imile, ngoko ke ukuboleka imali akwenzeki. Endaweni yoko, ibhanki iphinda ivavanye iimeko zakho kunye namanqaku okuthenga ngetyala ukubona ukuba unako na ukuhlawula imali mboleko enkulu. Ukwaqwalasela nokuba kukho i-equity eyaneleyo kwipropati yakho ukuxhasa i-advanced advance.
Ukuphela kwexesha le-mortgage kwenzeka ntoni
Ewe, unako ukuboleka imali nanini na ufuna, kodwa ukuba ubotshelelwe kwimali-mboleko yakho ixesha elithile (lidla ngokuba yiminyaka emi-2, 3, okanye emi-5), ukuboleka imali ngaphambi komhla wokugqiba kwakho kungazisa isohlwayo esibizwa ngokuba yintlawulo yokubuyisela kwangoko.
Oku kunokuba yipesenti yemali mboleko eseleyo okanye umrhumo osisigxina, ohlawulwe xa iimali-mboleko zangoku zibuyiselwa. Ukuba kukho okanye akukho mrhumo wokuyibuyisela kwangoko ehambelana nemali-mboleko yakho kufuneka ichazwe kwisithembiso sakho semali mboleko yangoku, okanye ungaqhagamshelana nombolekisi wakho ukuze wazi.
Kubalulekile ukuqaphela ukuba nokuba kufuneka uhlawule umrhumo wokubuyisela phambi kwexesha, kusenokungabizi kakhulu ukuboleka imali ngenzala ephantsi, okoko nje ukonga kwisivumelwano esitsha kunokuphelisa isohlwayo obufanele usihlawule ukuze uhlawule imali yakho. imali-mboleko yangaphambili.
Usenokufuna ukuqwalasela ukuba kutheni ucinga ngokuboleka imali, ingaba kukufumana imali yokuhlanganisa amatyala okanye uphucule ikhaya? Ukuba kunjalo, kunokubakho ezinye iindlela onokuthi uzihlolisise, ezifana ne-advanced advance evela kumbolekisi wakho wangoku.
Kwenzeka ntoni xa uhlawula imali-mboleko yakho?
Xa ixesha lakho lokubambisa liphelile, kufuneka uhlawule yonke ibhalansi eseleyo ye-akhawunti yakho kunye neemali-mboleko ezinxulumeneyo (ukuba iimali-mboleko ezinxulumeneyo nazo zifikelele esiphelweni). Le mfuno yinxalenye yemigaqo ye-mortgage yakho.
Ukuba unenzala-mali yokubambisa kuphela, iintlawulo zakho zenyanga ubuhlawula inzala kodwa azikayicusi ibhalansi yemali-mboleko yakho (ngaphandle kokuba ubusenza iintlawulo ezingaphezulu ngenjongo yokunciphisa ibhalansi yemali mboleko yakho). Oku kuthetha ukuba ekupheleni kwexesha le-mortgage ekuvunyelwene ngayo, kufuneka uyibuyisele ngokupheleleyo imali-mboleko. Cofa apha ukuze ufumane ulwazi oluthe kratya malunga neNzala kuphela yokuboleka imali.
Kufuneka ube sele unaso isicwangciso sokuhlawula imali-mboleko xa ixesha layo liphela. Ukuba awukakwazi, nceda usazise isicwangciso sakho ngokukhawuleza. Ungasitsalela umnxeba kule nombolo 0330 159 2590* okanye ugcwalise ifomu yesicwangciso sokuhlawula amatyala uze uyithumele kuthi.
Ukuba awunaso isicwangciso sokuhlawula ukubuyisela imali-mboleko yakho ngokupheleleyo, sitsalele umnxeba kule nombolo 0330 159 2590* ngokukhawuleza ukwenza idinga ngomnxeba nomcebisi okhethekileyo. Baza kukuchazela iinketho zakho.
