Elona xesha lifutshane lokubambisa
I-mortgage luhlobo lwemali mboleko apho umhlaba othengiswayo usetyenziswa njengesibambiso. I-mortgage isoloko isetyenziselwa ukuxhasa ngemali ikhaya okanye ipropathi yotyalo-mali, ngoko awudingi ukuhlawula yonke imali ngaphambili. Umboleki ubuyisela imali-mboleko, kunye nenzala kunye nenqununu, ngexesha elithile ngokusebenzisa uchungechunge "lokubuyisela." Umbolekisi udla ngokudweliswa kwitayitile yepropathi de lowo ubolekayo ayibuyisele ngokupheleleyo imali mboleko.
Izinga elimiselweyo: Olu luhlobo lwemali-mboleko apho inzala yemali-mboleko imiselwa ixesha elithile, ngokuqhelekileyo phakathi konyaka omnye ukuya kwemihlanu. Ke ukuba iireyithi zombolekisi ziyenyuka okanye ziyehla, uya kuhlawula kwaezo ntlawulo zemboleko-mali mboleko kulo lonke ixesha lereyithi emiselweyo.
I-mortgage yezinga elimiselweyo lolona khetho lufanelekileyo kubantu abafuna ukwenza uhlahlo lwabiwo-mali ngokukhuselekileyo. Isenokuba lukhetho olulungileyo kubathengi abaqalayo ukuziqhelanisa nendlela yokubuyisela imali-mboleko, kunye nabatyali-mali abafuna ukuqinisekisa ukuhamba kwemali okuqinisekileyo kunye nokuqhubekayo kwiipropati zabo zotyalo-mali.
I-Avareji yeXesha le-Mortgage
Umyinge wexesha lokubuyisela imali kwi-mortgage yiminyaka engama-25. Nangona kunjalo, ngokophononongo olwenziwe yi-mortgage broker L&C Mortgages, inani labathengi bokuqala bemali-mboleko yeminyaka engama-31 ukuya kwengama-35 liphindeke kabini phakathi kuka-2005 no-2015.
Masithi uthenga ipropathi eyi-£250.000 ngexabiso le-3% kwaye unediphozithi engama-30%. Ukuboleka i-£175.000 kwiminyaka engama-25 kuya kukubiza i-£830 ngenyanga. Ukuba iminyaka emihlanu yongezwa, intlawulo yenyanga iyancitshiswa ibe yi-738 pounds, ngelixa i-35-year mortgage ibiza kuphela i-673 pounds ngenyanga. Leyo yi-1.104 yeponti okanye i-1.884 yeponti ngaphantsi ngonyaka.
Nangona kunjalo, kufanelekile ukujonga isivumelwano semali mboleko ukuze ubone ukuba ungahlawula ngaphezulu na. Ukukwazi ukuyenza ngaphandle kwezohlwayo kukunika ukuguquguquka ngakumbi ukuba unonyuso okanye umoya wemali. Unako kwakhona ukuhlawula isixa sekhontrakthi ukuba amaxesha aba nzima.
Kufanelekile ukucinga ngako, njengoko nayiphi na imali eyongezelelweyo oyifaka kwi-mortgage yakho ngaphezu kwesixa-mali esiqhelekileyo senyanga siya kufinyeza ubude bemali-mboleko, okonga inzala eyongezelelweyo kubomi bemali-mboleko.
i-mortgage calculator
Izikhokelo ze-FHA mboleko zichaza ukuba imbali yangaphambili kwindawo yangoku ayifuni. Nangona kunjalo, umbolekisi kufuneka abhale iminyaka emibini yengqesho yangaphambili, imfundo, okanye inkonzo yasemkhosini, kwaye achaze naziphi na izikhewu.
Umfaki-sicelo kufuneka abhale nje imbali yomsebenzi yeminyaka emibini edlulileyo. Akukho ngxaki ukuba umenzi-sicelo wemboleko uye watshintsha imisebenzi. Nangona kunjalo, umenzi-sicelo kufuneka achaze naziphi na izikhewu okanye utshintsho olubalulekileyo.
Kwakhona, ukuba le ntlawulo yongezelelweyo iyancipha ngokuhamba kwexesha, umbolekisi unokuyinciphisa, ecinga ukuba umvuzo awuyi kuhlala iminyaka emithathu. Kwaye ngaphandle kwembali yeminyaka emibini yokuhlawula ixesha elongezelelweyo, umbolekisi mhlawumbi akayi kukuvumela ukuba ubange kwisicelo sakho sokubambisa.
Kukho iinketho. Umzekelo, ukuba usebenzela inkampani enye, yenza umsebenzi ofanayo, kwaye unomvuzo ofanayo okanye ongcono, utshintsho kwisakhiwo sakho somvuzo ukusuka kumvuzo ukuya kwikhomishini epheleleyo okanye eyingxenye ayinakukwenzakalisa.
Namhlanje akuqhelekanga ukuba abasebenzi baqhubeke besebenzela inkampani enye kwaye babe "ngabacebisi", oko kukuthi, basebenza ngokuzimeleyo kodwa bafumana umvuzo ofanayo okanye ngaphezulu. Aba bafake izicelo banokuthi bajikeleze umgaqo weminyaka emibini.
Yintoni i-mortgage yexesha elifutshane?
Esi siphakamiso sidibeneyo sifumaneka kuphela ngabalamli. Ukufumana ulwazi malunga nendlela yokufaka izicelo ngexesha elifanayo kwi-Mortgage Works kunye ne-NFI, nceda ufunde i-Let to Thenga isikhokelo sokufayilisha.
Ukusinceda ukuba siqhube isicelo sakho, nceda usingenise isicelo sakho kungadlulanga iintsuku ezili-15 phambi kokuba isithembiso siphelelwe. Ukuba uyazi ukuba umxhasi wakho akazukwazi ukugqiba unikezelo ngaphakathi kwexesha elongeziweyo, nceda ugcwalise isicelo esitsha, njengoko kungasayi kufumaneka olunye lwandiso.
yamkelwe. Isebenza xa umenzi-sicelo ngaxeshanye egqibezela imali-mboleko yokubambisa ngexabiso elifanayo okanye elikhulu ngelixa egcina umlinganiselo wenzala ofanayo waloo nxalenye yemali-mboleko entsha ngaphandle kokwenza intlawulo yokubuyisela kwangaphambili. Kuxhomekeke ekuhlangabezaneni nemilinganiselo yemali mboleko yenkampani ngexesha lokufaka isicelo.
Izicelo zokuthenga iipropati ezifunyenwe ngeeklabhu/iinkampani zotyalo-mali lwezindlu nezindlu azamkelwa. Ngokuqhelekileyo ezi ziinkampani ezinikezela ukuthenga ipropati ngokukhawuleza kumthengisi omnye kwaye emva koko uyithengise komnye umthengi.
