Amagama amabini kwi-mortgage, elinye kwisihloko
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Ngaba igama lowokuqala kwisihloko sendlu libalulekile?
Kumashumi amathathu eminyaka eyadlulayo, ngaphezulu kwama-80% abathengi bamakhaya babetshatile. Ngo-2016, kuphela i-66% etshatileyo. Nangona izibini ezitshatileyo zihlala zisisininzi sabathengi bamakhaya, umlinganiselo wabasetyhini abangatshatanga abathenga amakhaya unyuke kakhulu ukususela phakathi kwiminyaka yoo-80. Ngokophando lwesizwe, ngo-2016 abafazi abangatshatanga bathatha i-17% yabo bonke abathengi bamakhaya, xa kuthelekiswa ne-8% yezibini ezingatshatanga kunye ne-7% yamadoda angatshatanga. Nokuba unjani na ubume bakho bobudlelwane, sinokukunceda ukwenza ukuthenga ikhaya kunye nokukhangela imali mboleko kungabi yingxaki.Nokuba uthenga ikhaya uwedwa okanye nomnye umntu, kuyahlawula ukwenza umsebenzi wakho wesikolo, ukwazi ukuba ungena ntoni. kwaye ukhangele imali yokubambisa. Funda ukuze ufumanise: Uyithengela njani imali-mboleko ngokwakho
Olu hlobo lwesihloko lolona khetho luqhelekileyo phakathi kwezibini ezitshatileyo, kodwa akunyanzelekanga ukuba unxulumane nokusebenzisa ilungelo lokugcina umntwana kunye nelungelo lokusinda. Ubunini bepropati bahlulwe ngokulinganayo phakathi kwabanini-ndawonye. Kwimeko yokufa komnye wabanini, isabelo sabo sepropati sidlula ngokuzenzekelayo komnye umnini.
Ngaba umntu angathengisa indlu ukuba igama lakhe likulo xwebhu?
Nokuba ufuna ukugcina iqabane lakho liphuma kwimali mboleko ngenxa yesizathu esithile okanye ufuna ukuzithengela ikhaya lakho ngokwakho, kukho ukufaneleka ekubeni ngumninimzi yedwa. Ngokuxhomekeka kwimeko yakho yobuqu, ukuba neqabane elinye kuphela kwimali yokubambisa kunokuba yeyona ndlela ilungileyo.
Itayitile yepropati luxwebhu olumisela ukuba ngubani umnini osemthethweni wekhaya. Inokuba nefuthe kwisakhiwo se-mortgage. Kungcono ukuthetha negqwetha kunye ne-mortgage broker ukuqonda ukhetho lokuba ngubani omele udweliswe kwisihloko kunye ne-mortgage.
Unokucinga ngokushiya igama leqabane lakho kwitayitile ukuba: – Ugcina imali yakho yahlukile kwaye ungathanda ukuqhubeka nokwenjenjalo – Ufuna ukukhusela impahla yakho kwiqabane elinetyala elihlwempuzekileyo – Ufuna ulawulo olupheleleyo malunga nokutshintshelwa kwepropati ikamva (umzekelo, ukuba unabantwana bomtshato wangaphambili)
Isivumelwano sokuyeka ukubanga sikuvumela ukuba uthumele ubunini bezindlu nomhlaba ukusuka komnye umntu ukuya komnye. Ukuba uthatha isigqibo sokushiya igama leqabane lakho kwitayitile, ungasoloko usebenzisa isiqinisekiso sokuyeka ukunikezela ngobunini obupheleleyo bepropati kubo.
Ngaba amaqabane omabini afanele avele kwitayitile?
Kwezinye iimeko, xa umntu esusa iqabane lakhe langaphambili kwisihloko, bongeza iqabane labo elitsha kwisihloko sabo. Ukuba oku kunjalo, jonga iphepha lethu ekuthengeni kwiqabane langaphambili.
Ukuba unemali mboleko yendlu, kufuneka wazise umbolekisi wakho phambi kokuba unike iqabane lakho ipropati. Umbolekisi wakho uya kukuxelela ukuba ngawaphi amaxwebhu ekufuneka uwangenise ukuze ugqibezele inkqubo.
Ukuba iqabane lakho alikabikho kwimali yokubambisa, kufuneka uqale wongeze igama leqabane lakho kwimali yokubambisa. Ukuba igama leqabane lakho sele likwimali mboleko yendlu okanye unendlu mboleko edibeneyo, ungalitsiba eli nyathelo.
Ukuqala inkqubo yokubuyisela imali, kufuneka uqale ugcwalise ifomu yokurhoxisa yombolekisi wakho kwaye emva koko unokutshintsha ababolekisi. Unokwenza isicelo semali mboleko edibeneyo kunye nombolekisi ofanayo ukuba nje bezimisele ukukunika umnikelo ongcono.
Ukuze ukhululo lube yinyani, kufuneka uhlangabezane nothotho lweemeko ezinokutshintsha ukusuka kwelinye ilizwe ukuya kwelinye. Yiyo loo nto kungcono ukuba uhlale ujongana nombolekisi wakho ngaphambi kokuba wongeze igama lomntu kwitayitile yendawo yakho.
