Ngaba kungcono ukufumana imali-mboleko okanye imali-mboleko?
Kukho amaziko emali amaninzi anika iimali-mboleko kubantu abathenga ipropati, umzekelo, iinkampani zokuboleka imali kunye neebhanki. Kuya kufuneka ufumanise ukuba ungayithabatha na imali-mboleko kwaye, ukuba kunjalo, yimalini (ukufumana ulwazi oluthe kratya malunga nezindlu zokubambisa, bona icandelo le-Mortgages).
Ezinye iinkampani zokubambisa zibonelela abathengi ngesatifikethi esichaza ukuba imali-mboleko iya kufumaneka ukuba nje ipropati iyanelisa. Ungasifumana esi satifikethi phambi kokuba uqalise ukukhangela ikhaya. Iinkampani ezithengisa izindlu nezindlu zibanga ukuba esi satifikethi sinokukunceda ukuba umthengisi amkele isithembiso sakho.
Uya kufuneka uhlawule idiphozithi ngexesha lokutshintshiselana kwezivumelwano, iiveki ezimbalwa ngaphambi kokuba ukuthengwa kugqitywe kwaye imali ifunyenwe kumbolekisi we-mortgage. Idiphozithi idla ngokuba yi-10% yexabiso lokuthenga ikhaya, kodwa inokwahluka.
Xa ufumana ikhaya, kufuneka ulungiselele ukujonga ukuze uqiniseke ukuba yiloo nto oyifunayo kwaye ufumane ingcamango yokuba kuya kufuneka uchithe imali eyongezelelweyo kwikhaya, umzekelo ukulungiswa okanye ukuhlobisa. Kuqhelekile ukuba umntu onokuba ngumthengi andwendwele indawo kabini okanye kathathu ngaphambi kokuba enze isigqibo sokwenza umnikelo.
Ngaba kungcono ukuthenga ipropathi yotyalo-mali ngemali okanye ngokubambisa?
Esinye sezona zigqibo zibalulekileyo anokuthi nabani na azenze ebomini bakhe kukuthenga ikhaya. Abanye abathengi basenokuzibuza ukuba isigqibo sabo sokuthenga ikhaya sisigqibo esifanelekileyo kubo, ekubeni umntu oqhelekileyo etshintsha ingqondo yakhe malunga nesigqibo sakhe rhoqo emva kweminyaka emihlanu ukuya kwesixhenxe. Ngenxa yolu lwazi, abantu abaninzi bayazibuza ukuba ukuthenga ikhaya yeyona ndlela ilungileyo kubo. Noko ke, ukuthenga ikhaya kuneengenelo ezininzi. Kodwa kukwakho nezinto ezingeloncedo, okuthetha ukuba ukurenta kunokuba yeyona ndlela ilungileyo kubo. Eyona ndlela yokwazi ukuthenga okanye ukurenta yeyona meko ilungileyo; umntu umele ayihlolisise imeko yakhe ukuze enze isigqibo esifanelekileyo.
Umthengi unoxanduva lokungaphezu nje kwentlawulo yokubambisa. Kukwakho neerhafu, i-inshorensi, ukugcinwa kunye nokulungiswa kokukhathazeka. Kufuneka kwakhona uthathele ingqalelo imirhumo yoluntu lwabanini.
Imarike kunye namaxabiso asekhaya ayaguquguquka. Ukuhlaziywa okanye ukuhla kwexabiso lendlu kuxhomekeke kwixesha ethengwe ngalo, mhlawumbi ngexesha le-boom okanye ingxaki. Ipropathi isenokungaxatyiswa ngokwexabiso elilindelwe ngumniniyo, ikushiye ungenangeniso xa uceba ukuyithengisa.
Thenga-to-let imodeli e-Austria
1. Ukuthenga ukurenta kunoxinzelelo kwaye kutye ixesha2. Kufuneka kufundwe imigaqo emitsha yezemali3. Ukwenziwa kwenkampani encinci kunokunciphisa iindleko4. Ukufumana imali mboleko kufuna idiphozithi enkulu5. Abathengi bokuqala basenokungafaneleki6. Ayizizo zonke iipropati ezinengeniso7. Iikhomishini ze-Mortgage zingaba phezulu8. Cinga kabini phambi kokuqokelela imali yakho yomhlalaphantsi9. yazi indawo
Ukutshala imali ekuthengeni ipropati kunokuthwala ingozi enkulu kwaye ifaneleka kuphela kubantu abanombhobho wemali ukujongana neendleko ezingalindelekanga. Ngaphezu koko, ulawulo lwepropathi lunokutya ixesha kwaye akufanele luthathwe njengotyalo-mali lwexesha elifutshane.
Kwabanye abantu luhlobo olungalunganga lotyalo-mali. Kunokuthiwa ukuba iimali zesitokhwe zilula kakhulu ukulawula kune-real estate. Sichaza indlela onokutyala ngayo kwimarike yemasheya ukuba awunayo imali eninzi.
De kube nguAprili ka-2020, abanini-mhlaba babucala banokutsala intlawulo yemali-mboleko yendlu kwingeniso yabo yerenti xa bebala ityala labo lerhafu, elaziwa ngokuba sisiqabu senzala yemali-mboleko.
Indlela yokutyala imali kwi-real estate ngemali encinci
Imakethi yezindlu nomhlaba ibomvu shushu, kwaye akukho bhubhane okanye ukunyuka kwamaxabiso ezindlu kunokucima amadangatye. Izicelo zokubolekwa kwezindlu zokuthenga ikhaya ziye zanyuka ngokuthe ngcembe unyaka nonyaka ukusukela ngoMeyi, njengoko umhlaba othengiswayo uqhubeka ubiza kakhulu kwilizwe liphela.
Njengomlingani wale maxabiso akhulayo, izinga lenzala kwi-mortgages liyaqhubeka liwela, kwaye kule veki baye baphula irekhodi kwakhona, ngokutsho kukaFreddie Mac. Umyinge we-30 ye-mortgage ye-mortgage ngoku umi kwi-2,72%. Kunyaka ophelileyo ngeli xesha ibiyi-3,66%.
“Ukuba nekhaya yindlela abantu abaninzi baseMelika abakha ngayo ubutyebi babo. Inxalenye yentlawulo yendlu nganye eyenziwa ngumnini-ndlu isetyenziswa ekuhlawuleni ibhalansi yemali mboleko yendlu (intlawulo eyintloko), enyusa ukulingana kwezindlu kwaye incede ekwakheni intsalela yomnini-ndlu.
“Ingcali ngezoqoqosho ephumelele iBhaso likaNobel kunye nonjingalwazi waseYale uRobert Shiller wenza ingxoxo enyanzelisayo yokuba izindlu ezithengiswayo, ngakumbi izindlu zokuhlala, lutyalo-mali oluphantsi kakhulu xa kuthelekiswa nezitokhwe. U-Shiller ufumanisa ukuba, ulungelelwaniso lokunyuka kwamaxabiso, ixabiso lendlu eliphakathi liye landa kuphela i-0,6% ngonyaka kwiminyaka eyi-100 edlulileyo.
