imali-mboleko
Ukuba unomdla wokususa igama lakho kwi-mortgage, kunokwenzeka ukuba wenze utshintsho olukhulu ebomini bakho. Nokuba kungenxa yoqhawulo-mtshato, ukwahlukana neqabane lakho okanye ufuna nje ukuba nemali-mboleko egameni lomntu omnye ukuze omnye abe nokuguquguquka okuthe kratya kwezemali, iimeko xa zithelekiswa naxa wawuthatha imali yokubambisa zitshintshe ngokucacileyo. Ngokuqinisekileyo bekukho iingenelo ezithile ezicacileyo zokuthatha imali-mboleko kunye, njengokuthatha ithuba layo yomibini imivuzo xa umisela isixa onokuthi usifumane kunye/okanye nokusebenzisa amanqaku etyala abantu ababini ukuthoba inzala. Kwakunengqiqo ngelo xesha, kodwa ubomi buyenzeka kwaye ngoku, ngenxa yaso nasiphi na isizathu, uthathe isigqibo sokuba lixesha lokuqhawula umntu kwi-mortgage. Ngeliphandle, ayisiyiyo eyona nkqubo ilula kwihlabathi, kodwa nanga amanyathelo athile kunye neengqwalasela eziya kukunceda ukuba ufike apho.
Into yokuqala kukuthetha nombolekisi wakho. Bakuvumile kube kanye, kwaye kusenokwenzeka ukuba banolwazi olunzulu lwemali yakho efunekayo ukuze benze isigqibo sokuba bafuna ukuyenza kwakhona. Nangona kunjalo, ubacela ukuba babeke intlawulo yakho yokubambisa kumntu omnye endaweni yababini, oko kwandisa uxanduva lwabo. Ababoleki abaninzi abaqapheli ukuba bobabini abantu kwi-mortgage banoxanduva lwalo lonke ityala. Ngokomzekelo, kwimali-mboleko ye-300.000 yeedola, akufani nokuba bobabini abantu banoxanduva lwe-150.000 yeedola. Bobabini banoxanduva lokuhlawula yonke i-300.000 yeedola. Ukuba omnye wenu akakwazi ukuhlawula, omnye umntu usenoxanduva lokuhlawula yonke imali-mboleko. Ke ngoko, ukuba umbolekisi ebenokusuka nje asuse elinye lamagama kwimali-mboleko yangoku, omnye wenu ebeya kuphuma kwikhonkco. Njengoko usenokuba uqikelele, ababolekisi ngokuqhelekileyo abakuthandi ukwenza oku.
i-etymology ye-mortgage
Ukuba uneminyaka engama-62 okanye ngaphezulu-kwaye ufuna imali yokuhlawula imali mboleko yakho, yongeza umvuzo wakho, okanye uhlawule iindleko zonyango-ungafuna ukuqwalasela i-mortgage ebuyayo. Ikuvumela ukuba uguqule enye i-equity yendlu yakho ibe yimali ngaphandle kokuthengisa ikhaya lakho okanye ukuhlawula amatyala enyanga. Kodwa thatha ixesha lakho: i-mortgage ebuyayo inokuba nzima kwaye isenokungafanelekanga kuwe. Imali-mboleko yokubuyisela umva inokuphelisa i-equity kwikhaya lakho, oko kuthetha ukuba i-asethi encinci yakho kunye neendlalifa zakho. Ukuba uthatha isigqibo sokukhangela enye, jonga kwakhona iintlobo ezahlukeneyo zokubolekwa kwezindlu kwaye uthelekise ngaphambi kokuba wenze isigqibo ngenkampani ethile.
Xa une-mortgage eqhelekileyo, uhlawula umbolekisi rhoqo ngenyanga ukuze uthenge ikhaya lakho ngokuhamba kwexesha. Kwi-mortgage ebuyayo, ufumana imali-mboleko apho umbolekisi akuhlawula ngayo. Ukubuyisela umva imali yokubambisa ithatha inxalenye ye-equity kwikhaya lakho kwaye iguqulelwe kwiintlawulo kuwe, uhlobo lwentlawulo ephantsi kwixabiso lekhaya lakho. Imali oyifumanayo ayitsalelwa rhafu. Ngokuqhelekileyo akufuneki ukuba uhlawule imali xa uhlala kwikhaya lakho. Xa usifa, uthengise ikhaya lakho, okanye ufuduke, wena, iqabane lakho, okanye ilifa lakho kufuneka niyibuyise imali-mboleko. Ngamanye amaxesha oko kuthetha ukuthengisa indlu ukuze ufumane imali yokuhlawula imali mboleko.
Isatifikethi sokubambisa
Ukugqitywa kwe- mortgage ngumqobo wokugqibela oza kujongana nawo ngaphambi kokuba ufumane izitshixo zekhaya lakho elitsha. Yinto enika umdla kakhulu. Kodwa kwinyathelo lokugqibela, unokuzibuza, ngoobani ababandakanyekayo kwi-mortgage?
Kuhlala kukho amaqela amabini aphambili kwi-mortgage: i-mortgagor kunye ne-mortgagor. Umntu oboleka imali nguye owenza isivumelwano semali-mboleko, ngelixa umntu oboleka imali engumboleki okanye iziko elinika imali-mboleko yendlu.
Umbolekisi uya kukubuza amaxwebhu amaninzi kunye nolwazi xa ufaka isicelo semali mboleko. Ezinye zazo zibubungqina bamaxwebhu engeniso (i-pay stubs, i-W-2, njl.), izitetimenti zebhanki, kunye neengxelo zerhafu. Ukuba uthenga ikhaya nomnye umntu, njengeqabane okanye ilungu lentsapho, qiniseka ukuba loo mntu ukulungele ukufaka isicelo semali-mboleko kwaye unolwazi lwezemali olukhoyo.
Ekugqibeleni, ukuba kukho isiganeko esinokuchaphazela umvuzo wakho okanye amanqaku akho ekhredithi, xelela umbolekisi wakho. Eminye imizekelo kukufumana umsebenzi omtsha, ukuvula okanye ukuvala iakhawunti yetyala, nokuthenga isithuthi.
Norsk mortgage
Umntu oboleka imali ngumbolekisi: ngokukodwa, iqumrhu eliboleka imali kumboleki ngenjongo yokuthenga umhlaba. Kwintengiselwano ye-mortgage, umbolekisi usebenza njengomboleki kwaye umboleki waziwa ngokuba ngumboleki.
Umntu oboleka imali umela umdla weziko lemali elibolekayo kwitransekshini yokubambisa. Amaziko okuthenga ngetyala anokubonelela ngeemveliso ezahlukeneyo kubaboleki, ezimele inxalenye ebalulekileyo yee-asethi zemboleko zombini kubabolekisi ngabanye kunye nemarike yekhredithi ngokubanzi.
Ababoleki banokwenza iimali-mboleko yezindlu ngexabiso elimiselweyo okanye ireyithi eguquguqukayo. Uninzi lwemali mboleko yezindlu ezibolekwayo ilandela ishedyuli ye-amortization ebonelela ngokungena kwemali rhoqo ngenyanga kumbolekisi ngendlela yentlawulo yezavenge de imali-mboleko ihlawulwe ekupheleni kwexesha layo. Iimali-mboleko zezavenge zexabiso elimiselweyo lolona hlobo luqhelekileyo lwemali-mboleko yendlu ekhutshwa ngababolekisi. Iimali-mboleko zemali-mboleko yemali eguquguqukayo zinokubonelelwa njengemveliso yemali-mboleko eguquguqukayo.
