I-Ebs Mortgage Calculator
Faka idatha yakho kwikhaltyhuleyitha ukuqikelela ubuninzi bemali-mboleko onokuthi uyicele. Emva kokuba ulwenzile ubalo, ungadlulisela iziphumo kwikhatyhuleyitha yethu yokuthelekisa i- mortgage, apho unokuthelekisa zonke iintlobo zamva nje zokubambisa.
Le mida ibekwe yi-Central Bank yase-Ireland njengenxalenye yemigaqo ye-macroprudential. Ingqiqo yale migaqo kukuqinisekisa ukuba abathengi banengqiqo xa beboleka, ukuba ababolekisi balumke xa beboleka, kwaye bancede nasekulawuleni ukunyuka kwamaxabiso ezindlu.
Imithetho yediphozithi yeBhanki ePhakathi ifuna idiphozithi eyi-10% kubathengi bokuqala. Ngesicwangciso esitsha soncedo lokuthenga kubathengi bamakhaya amatsha, amagumbi kunye nokuzakhela, unokufumana ukucuthwa kwerhafu nge-10% (ngomda omkhulu we-30.000 euros) yexabiso lokuthenga kwiipropati ezibiza i-euro ezingama-500.000 okanye ngaphantsi.
i-mortgage calculator
Indlu nganye inefuthe elithile lokusingqongileyo. Ukukhutshwa kwegesi ye-greenhouse kuxhomekeke kubungakanani bobushushu kunye nombane osetyenziswa ekhaya. Ukunciphisa impembelelo yokusingqongileyo, sifuna ukwenza kube lula ukwakha nokuthenga amakhaya awonga amandla.
Izinga lenzala elixeliweyo linokwehla okanye linyuke ngokuhamba kwexesha. Olu tshintsho luchaphazela izinga lenzala yesivumelwano. Umzekelo, ukuba inqanaba lenzala esisiseko linyukile xa lithelekiswa nesiseko senzala esisiseko sangaphambili esasisebenza ngomhla ekungenwe kuwo isivumelwano, iintlawulo zenzala nazo ziya kunyuka.
I-EIS liziko likarhulumente lophuhliso lwezimali, elibonelela ngoncedo lukarhulumente kumaqela ahlukeneyo ekujoliswe kuwo ngoncedo lwezixhobo zemali (ezifana neemali-mboleko, iziqinisekiso zekhredithi, njl. njl.). Intlawulo yokuqala xa usebenzisa isiqinisekiso se-EIS iqala kwi-10%.
(2) Ikhomishini isebenza kwizatifikethi ezikhutshwe kwiofisi yebhanki. Isatifikethi esikhutshwe ngokuzenzekelayo kwiBhanki ye-Intanethi sisimahla kumxhasi (ukusincamathisela ngekhompyutha kwimbuyekezo yerhafu yengeniso).
I-Bhanki yase-Ireland yokubala i-mortgage
Ukuba ukhetha ixesha elide lemali-mboleko, intlawulo yakho yenyanga iya kuba ngaphantsi, kodwa inzala iyonke iya kuba phezulu. Ukuba ukhetha ixesha elifutshane, intlawulo yenyanga iya kuba phezulu, kodwa inzala epheleleyo iya kuba ngaphantsi.
Isavenge senyanga siyafana kubo bonke ubomi bemboleko. Nangona kunjalo, izixa-mali ezichithwe kwinzala kunye notshintsho olungundoqo. Oku kungenxa yokuba, ngeemali-mboleko ezihlawulelwayo, inxalenye yenzala yentlawulo yenyanga ixhomekeke ekubeni usatyala malini na.
Xa uqala ukuboleka imali, iintlawulo zakho zemali-nzala ziba phezulu kuba ibhalansi yakho iphezulu. Njengoko ibhalansi isiya incinci, iintlawulo zenzala ziyathotywa kwaye intlawulo eninzi iya ekuhlawuleni imali-mboleko.
Ke, uthini umyinge wenzala kwimali-mboleko yobuqu? Akukho lula ukucinezela kuba zininzi izinto ezidlalwayo. Nangona kunjalo, kwii-stroke ezibanzi, sinokophula umyinge wenzala ngokwexesha lemali-mboleko kunye namanqaku ekhredithi.
Inzala ephakathi kwimali-mboleko yomntu yeenyanga ezingama-24 yayiyi-9,34% ukususela ngo-Agasti 2020, ngokwedatha yamva nje evela kwi-Federal Reserve. Ngeli xesha, i-avareji yezinga lenzala yelizwe kwimali-mboleko yobuqu yeenyanga ezingama-36 yayiyi-9,21% kwiimanyano zamatyala kunye ne-10,28% kwiibhanki ukusuka ngoJuni ka-2020 (eyona datha yamva nje ikhoyo), ngokutsho kweNational Credit Union Administration.
Isibali sokubambisa saseIreland
Esi sibali sokubambisa sikuvumela ukuba uthelekise inzala yemali-mboleko kunye nenkuthazo yombolekisi ekhoyo eIreland. Ikhatyhuleyitha ibonisa ukuba yimalini na imali oyibolekayo ngokusekelwe kwisixa osibolekileyo, umbolekisi, nokuba ukhetha amaxabiso amiselweyo okanye aguquguqukayo, kunye nexesha lemali-mboleko.
Ikhatyhuleyitha yethu yokubambisa i-amortgage ikuvumela ukuba ujonge ezona ndidi zibalaseleyo zobambiswano olukhoyo, isixhobo sethu sokubala se-inshurensi yobomi sikunika i-inshurensi yobomi kunye neekowuti zokhuseleko lwe-mortgage, kunye nesicwangciso se-inshurensi yasekhaya nge-Aviva ibonelela ngezaphulelo. Ungandwendwela indawo yethu ezinikeleyo lifeinsurance.ie.
