Isebenza njani i-mortgage yesibini?
Imali-mboleko yesibini, njengemali-mboleko yokuqala, inokuba ngumthombo obalaseleyo wenkxaso-mali kwabo bayaziyo indlela yokuqhuba inkqubo. Ukusuka ekudityanisweni kwamatyala ukuya ekuthengeni iipropati zotyalo-mali olongezelelweyo, i-mortgages yesibini inokuhlawula iintlobo ngeentlobo zeendleko ezinokuthi zingabizi kakhulu kubaninimzi abaninzi. Nangona kunjalo, into abaninzi abangayiqondiyo kukuba i-mortgage yesibini ayifuneki ivela kwindawo yokuhlala ephambili. Kunokwenzeka ngokupheleleyo ukufumana i-mortgage yesibini kwipropathi yotyalo-mali. Nangona inkqubo kunye neemfuno zahluke kancinane, ukusetyenziswa kwesibini semali mboleko kwizindlu ezirentwayo kunokuba ngumthombo omkhulu wenkxaso-mali engenye.
I-mortgage yesibini yile nto ivakala ngathi: i-mortgage yesibini ithathwa kwipropati ngelixa i-original isasebenza. Nangona kunjalo, ngokukodwa, i-mortgage yesibini iqinisekisiwe nge-asethi efanayo neyokuqala. Ngenxa yoku, abaninzi ababolekisi bajonga iimali mboleko zesibini njenge-riskier kunye ne-ante njengoko bebona kufanelekile. Ukongeza kwi- underwriting engqongqo, iimali mboleko zesibini zihlala zinenzala ephezulu. Kwabanye abatyali-mali, iindleko ezongezelelweyo zifanelekile. Abanini bezindlu abanethamsanqa ngokwaneleyo ukuba babe ne-equity kwikhaya labo lokuqala banokuboleka nge-mortgage yesibini. Xa iphezulu inkunzi, kokukhona umniniyo eboleka ngakumbi. Nangona kunjalo, i-mortgage yesibini iza ne-caveat ebalulekileyo: indlu yokuqala iya kusebenza njengesibambiso kwi-mortgage yesibini, oku kuthetha ukuba i-stakes iphezulu kuye nabani na ojonge ukuthatha i-mortgage yesibini.
I-Mortgage yesiBini vs. Imali-mboleko ye-Home Equity
Funda ngakumbi Izinga lenzala yase-UK: omawulindele kwaye ulungiswe njaniInqanaba lesiseko seBhanki yaseNgilani lizinga lokuboleka elisemthethweni kwaye ngoku limi kwi-0,1%. Lo mlinganiselo wesiseko unefuthe kwinzala yase-UK, enokunyusa (okanye yehle) inzala yemali-mboleko kunye neentlawulo zakho zenyanga.Funda ngakumbiYintoni i-LTV? Ibalwa njani i-LTV – iMali-mboleko kwiRhafu yeXabiso I-LTV, okanye imali-mboleko-kwixabiso, ubukhulu bemali-mboleko xa kuthelekiswa nexabiso lepropati yakho. Ngaba unayo imali eyaneleyo yokufumana awona maxabiso angcono okubambisa?
I-Home Equity Line yeTyala
Iimali-mboleko zesibini ziimali-mboleko ezikhuselwe kwipropathi yakho ngumthombo ongenguye umbolekisi wakho. Abantu abaninzi bazisebenzisa njengenye indlela yokunyusa imali, rhoqo ukwenza ukuphuculwa kwekhaya, kodwa kukho izinto ezimbalwa ekufuneka uzazi phambi kokuba ufake isicelo.
Ixabiso lesati yipesenti yepropati yakho oyeyakho ngokuthe ngqo, oko kukuthi, ixabiso lekhaya kuthatyathwe naliphi na ityala lemali-mboleko etyalwa kuyo. Isixa umboleki uya kukuvumela ukuba uboleke siya kwahluka. Nangona kunjalo, ukuya kuthi ga kwi-75% yexabiso lepropathi yakho liya kukunika umbono.
Oku kuthetha ukuba ababolekisi kufuneka baqhube iitshekhi ezifanayo zokufikeleleka kunye "novavanyo loxinzelelo" lokukwazi kwakho ukuhlawula intlawulo yemali-mboleko yexesha elizayo njengoko benokwenza kumfaki-sicelo kwindawo yokuhlala yokuqala okanye imali yokubambisa.
Ukufaneleka kwale mizekelo ingasentla kuya kuxhomekeka kwiimeko zakho zobuqu. Logama usasebenza ngoku kwintlawulo yakho yokubambisa, kufanelekile ukuba ucinge ngokufumana i-advance entsha kumbolekisi wakho wangoku ngemigaqo engcono, njengoko inokuba lolona khetho lungcono.
Ngenxa yokuba i-mortgage yesibini isebenza njengeyokuqala, ikhaya lakho lisemngciphekweni ukuba awukho mva kwiintlawulo zakho. Njengayo nayiphi na imali-mboleko, ukuba uyawa emva kwaye ungayibuyiseli, inzala eyongezelelweyo inokongezeka.
loandepot
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.
