Ngaba imali-mboleko yendlu inokugqithiselwa komnye umntu?
Kubiza malini ukudlulisela imali mboleko? Ngaba ndingatshintsha ababolekisi ukuze ndidlulisele imali yokubambisa? Ngaba ibhanki yam iyala ukutshintshela imali-mboleko yam? Izizathu zokuba uMboleki anokwala ukuDlulisa iMali-mboleko endinokuyidlulisela kodwa ezinye izibonelelo zemali mboleko zibonakala zitshiphu, kufuneka ndenze ntoni?
Umzekelo, ukuba ubotshelelwe kumlinganiselo wenzala omiselweyo iminyaka emihlanu kwaye uthathe isigqibo sokuhamba emva kweminyaka emibini, kuya kufuneka uhlawule umrhumo wokuhlawula kwangoko. Idla ngokuba phakathi kwe-1% kunye ne-1,5% yetyala elingekahlawulwa, ngoko ke inokufikelela kumawaka eeponti.
Noko ke, ukuba iimeko zakho zitshintshile (mhlawumbi sele uziqeshile okanye ngoku urhola imali engaphantsi kwaxa wawukhupha imali-mboleko yokuqala), umbolekisi-mali wakho usenokufuna ulwazi oluthe kratya ukuze abone ukuba usenako na ukuhlawula imali ofuna ukuyiboleka.
Unokufuna ukuthatha i-mortgage deal nawe, kodwa ngaphandle kokuba unemali yokulondoloza yonke intengo yokuthenga, kuya kufuneka uboleke imali engaphezulu. Umbolekisi wakho wangoku akufuneki avumelane noku.
Umzekelo, masithi uthathe imali-mboleko yeminyaka eli-10 emiselweyo kwaye uthathe isigqibo sokufudusa izindlu emva kweminyaka emihlanu. Akukho siqinisekiso sokuba emva koko uya kuhlangabezana neendlela zombolekisi we-mortgage ukuze uthathe imali yakho yokubambisa ngoku.
Ngaba ndingadlulisela imali-mboleko yam kwenye ipropathi kwilizwe liphela?
Iimali mboleko ezizinzileyo zikunika ukhuseleko. Uvaleleke kwixabiso elinye ngexesha elimisiweyo kwaye wazi kakuhle ukuba yimalini ekufuneka uyihlawule ngenyanga nganye. Kodwa kwenzeka ntoni ukuba ucinga ngokushiya ireyithi yakho emiselweyo kwangoko kwaye uthathe isigqibo sokuboleka imali? Ngaba unokuboleka imali ngaphambi kokuba ixesha elimiselweyo liphele, ngaba ufanele uyenze kwaye zeziphi izinto ezilungileyo nezingalunganga? Sidibanise esi sikhokelo nayo yonke into ekufuneka uyazi malunga nexabiso elimiselweyo lokubolekwa kwemali kwangethuba.
Ngamafutshane, intlawulo yemali-mboleko emiselweyo ikunika inzala yexesha elimiselweyo, elihlala liphakathi kweminyaka emibini ukuya kwemihlanu, kodwa linokuba lide. Kuthetha ukuthini oku xa kusenziwa? Masithi uboleke i-£150.000 ye-£200.000 yendlu nge-1% yenzala. Loo pesenti imiselwe iminyaka emibini, emihlanu, elishumi okanye namashumi amathathu. Uyazi ukuba awuyi kuhlawula ngaphezu kwe-1% inzala ngexesha lomlinganiselo omiselweyo, okwenza ukuba iintlawulo zakho ze-mortgage zijikeleze i-euro ye-565 ngenyanga. ukunyuka kunye nexabiso lemali-mboleko yakho yokutshintsha, njengoko uvaleleke kwixabiso elimiselweyo. Emva kokuba isantya esisisigxina siphelile, sitshintshela kwizinga eliguquguqukayo eliqhelekileyo (i-SVR), nangona abantu abaninzi beboleka ngexabiso elitsha xa isantya sokuqala siphela.
Ngaba imali-mboleko yendlu inokutshintshelwa kwisalamane?
Ungalutshintsha uhlobo lwe-mortgage nangaliphi na ixesha. Nangona kunjalo, abantu badla ngokujonga iinketho zabo zokutshintsha ngaphambi kokuba uhlobo olukhoyo luphele. Oku kubanceda baphephe iindleko zokuhlawula kwangoko. Ukuba ugqiba ekubeni ungalitshintshi izinga lakho lenzala phambi kokuba umlinganiselo wangoku uphele, unokuhlawuliswa iRate eguquguqukayo emiselweyo (SVR) yombolekisi, nto leyo enokuthetha ukuba uhlawula ngaphezulu ngenyanga nganye.
Khumbula ukuba akunyanzelekanga ukuba utshintshe ireyithi yokuboleka imali uwedwa. Ukuba awuqinisekanga ukuba wenzeni, umbolekisi wakho unokukucebisa. Bangakunceda ufumane eyona ndlela ilungileyo kuwe kwaye bakuxhase ngenkqubo yotshintsho.
Ukutshintsha kweqondo lenzala yemali mboleko kungabandakanya iindleko. Umzekelo, ukuba uceba ukulahla imali-mboleko emiselweyo phambi kokuba kuphele ixesha, kungafuneka uhlawule umrhumo wokukhulula kwangethuba (ERC). Iinkcukacha zeendleko zokuhlawula kwangoko ziya kuba kwisithembiso sakho sokuqala se-mortgage.
Dlulisela isithembiso sokubambisa kwenye ipropati
Abathengi abaninzi bexesha lesibini abaqondi ukuba ukudlulisa imali-mboleko yinto enokwenzeka, bekholelwa ukuba kufuneka baqale ngokutsha nge-mortgage entsha. Ukuba ixabiso lepropati yangoku linyukile, iindleko zokuhla zingabonakala zifikeleleke kwaye zibe yinxalenye yeendleko zokufuduka. Ukuphatheka kwetyala lemali-mboleko kunokunqanda ezi ndleko zingeyomfuneko kwaye kukuvumela ukuba ugcine izinga lenzala elikhuphisanayo. Gcina ukhumbula nangona kunjalo: Okokuqala, isenokungabi lukhetho lwakho ngokwenene, kwaye okwesibini, ukuba ungadlulisela imali-mboleko yakho, ngaba ufanele?
Iimali-mboleko ezininzi zimiselwe ukuba zidluliselwe, nto leyo ethetha ukuba ungayithatha imali yakho yokubambisa ngoku, kunye nenzala ehambelana nayo kunye neendleko zentlawulo yangaphambili, uye kwenye ipropati.
