Iindidi eziguquguqukayo ze-mortgage e-UK
Impembelelo yalo naluphi na utshintsho luya kuxhomekeka kuhlobo lwemali-mboleko onayo, isixa osibolekileyo kunye nokuba uthabathe ixesha elingakanani. Ukuba nayiphi na inxalenye yemali-mboleko yakho ixhomekeke kwelinye leentlawulo zethu eziguquguqukayo kunye nesantya sakho sitshintsha emva kotshintsho kwi-Bank of England base rate, intlawulo yakho inokunyuka okanye yehle. Ukuba oku kuyenzeka, siya kukubhalela ukuqinisekisa umrhumo omtsha.
I-mortgage elandelwayo yintlawulo yemali eguquguqukayo. Umahluko phakathi kwezi kunye nezinye iimali zokubolekwa kwezindlu eziguquguqukayo kukuba zilandela, okanye zilandelele, iintshukumo zomnye umyinge, ngokuqhelekileyo izinga lesiseko seBhanki yaseNgilani. Ukuba imali-mboleko yakho iyachatshazelwa lutshintsho lwexabiso, siya kukubhalela siqinisekise isavenge sakho esitsha. Naluphi na utshintsho kwinzala ludla ngokusebenza ukusuka kusuku lokuqala lwenyanga emva kwesibhengezo seBhanki yaseNgilani.
Ukuba unexabiso lemali eqingqiweyo, iintlawulo zakho ziya kufana ngexesha lezinga elimiselweyo, njengoko ireyithi oyihlawulayo ayihlukanga kwiBank of England. Inzuzo yomlinganiselo omiselweyo kukuba isusa ukungaqiniseki ukuba izinga liya kunyuka; Ewe kunjalo, izinga lesiseko seBhanki yaseNgilani lingawa ngexesha lepeg.
UmGangatho oguquguqukayo weRate ye-Mortgage
Izinga lenzala ethelekisayo sisiqalo esihle xa ukhangela unikezelo lwemali-mboleko yokubambisa, kuba ithathela ingqalelo zombini inzala yonyaka oza kubizwa ngayo kunye nezinye iindleko kunye neekomishini ezinxulumene nemboleko. Qala uthelekiso lwemali mboleko yendlu ngezantsi.
*ISILUMKISO: Olu hlobo lothelekiso lusebenza kuphela kumzekelo onikiweyo. Ukuba amaxabiso kunye nemigaqo yahlukile, iintlobo zokuthelekisa ziya kwahluka. Iindleko, ezifana nokuzaliswa kwakhona okanye iintlawulo zokubuyisela kwangaphambili, kunye nokugcinwa kweendleko, ezifana nokukhutshwa kweentlawulo, azibandakanyi kwixabiso lokuthelekisa, kodwa zinokuchaphazela iindleko zemboleko. Uhlobo lokuthelekisa olubonisiweyo luyimali-mboleko ekhuselekileyo kunye nezavenge zenyanga zenqununu kunye nenzala ye-150.000 yeedola kwiminyaka eyi-25.
Ngaba ungowokuqala ukuthenga ikhaya? Kananjalo sinamanqaku amaninzi ahlukeneyo, iingcebiso, kunye nezixhobo ezilungiselelwe abathengi bokuqala. Kwiziko lethu elizinikeleyo labathengi bokuqala, uya kufumana yonke into oyifunayo malunga nokuthenga ikhaya lakho lokuqala kunye nokufumana imali mboleko yakho yokuqala njengengcali.
Yintoni intlawulo yemali-mboleko eguquguqukayo? Umlinganiselo oguquguqukayo wemali-mboleko yemali-mboleko yimali-mboleko yendlu-mboleko apho inzala ehlawuliswayo imiselwa yinzala yemarike. Oku kuthetha ukuba izinga lenzala linokwahluka ngokuxhomekeke ekubeni iphezulu okanye iphantsi kangakanani inzala yemarike.
Imali mboleko eguquguqukayo
Xa ukhetha i-mortgage, musa ukujonga nje izavenge zenyanga. Kubalulekile ukuqonda ukuba zixabisa malini iintlawulo zakho zenzala, xa zinokunyuka, kwaye ziya kuba yintoni iintlawulo zakho emva koko.
Xa eli xesha liphela, liya kuya kwizinga eliguquguqukayo eliqhelekileyo (SVR), ngaphandle kokuba uboleka imali. Umyinge oguquguqukayo oqhelekileyo unokuba phezulu kakhulu kunomlinganiselo omiselweyo, onokuthi ukongeza kakhulu kwizavenge zakho zenyanga.
Uninzi lwezindlu zokubambisa ngoku "ziyaphatheka", okuthetha ukuba zinokufuduswa zisiwe kwipropathi entsha. Nangona kunjalo, intshukumo ithathwa njengesicelo esitsha se-mortgage, ngoko ke kuya kufuneka uhlangabezane neetshekhi zokufikeleleka kombolekisi kunye nezinye iindlela zokwamkelwa kwi-mortgage.
Ukufakela imali-mboleko kaninzi kunokuthetha ukugcina kuphela ibhalansi ekhoyo kwisaphulelo sangoku okanye isivumelwano esisisigxina, ngoko ke kuya kufuneka ukhethe enye intengiso kuyo nayiphi na imali-mboleko eyongezelelweyo ehambayo, kwaye esi sivumelwano sitsha akunakwenzeka ukuba sihambelane nesivumelwano esitsha. isivumelwano.
Ukuba uyazi ukuba unokuhamba ngexesha lokuhlawula kwangaphambili kuyo nayiphi na isivumelwano esitsha, unokufuna ukuqwalasela izibonelelo ezineendleko eziphantsi okanye ezingabikho kwangethuba, nto leyo eya kukunika inkululeko engakumbi yokuthenga phakathi kwababolekisi ngemali xa ixesha lifikile. shukuma
Umyinge wemali mboleko eguqukayo
Ukhetho lwemali mboleko esisigxina okanye eguquguqukayo ye-mortgage inokuxhomekeka kwizinto ozikhethayo. Apha ngezantsi, sijonga omnye umahluko phakathi kwemali mboleko esisigxina kunye neguquguqukayo ye-mortgage ukukunceda uthathe isigqibo sokuba yeyiphi eyona ikulungeleyo.
Kukho iindlela ezininzi zokubolekwa kwezindlu. Oku kubandakanya uhlobo lwentlawulo (umzekelo, "inqununu nenzala" ngokuchasene "nenzala kuphela") kunye nezinga lenzala. Kweli nqaku sigxininise kumazinga enzala kunye nendlela enokuchaphazela ngayo imali-mboleko ye-mortgage.
Imali mboleko yemali eqingqiweyo yeyomrhumo yexabiso lenzala apho inzala ivalwe khona (i.e., ilungisiwe) yexesha elithile, elihlala liphakathi kweminyaka elishumi. Ngexesha lokumiselwa kwenzala, zombini inzala kunye nezavenge ezifunekayo azitshintshi.
Ngokwahlukileyo, i-mortgage rate loan ingatshintsha nangaliphi na ixesha. Ababolekisi banokunyusa okanye banciphise inzala enxulumene nemali-mboleko. Izinga lenzala lisenokutshintsha ngenxa yezigqibo ezenziwe yiBhanki enguVimba yaseOstreliya, kwakunye nezinye izinto. Ubuncinci bexabiso lembuyekezo elifunekayo liya kunyuka ukuba izinga lenzala liyenyuka, kwaye lehle ukuba izinga lenzala liyehla.
