IHalifax Mortgage
Olona ncedo lukhulu lokuba nekhaya kukukwazi ukwakha ubulungisa ngokuhamba kwexesha. Unokusebenzisa elo lungelo ukufumana iimali eziphantsi kwexabiso eliphantsi ngendlela ye-mortgage yesibini, nokuba yimali-mboleko enye okanye umgca we-home equity line of credit (HELOC). Nganye kwezi ntlobo zekhredithi zineenzuzo kunye nezingeloncedo, ngoko ke kubalulekile ukuqonda okulungileyo kunye nokubi phambi kokuba uqhubeke. Usenokuba nezinye iindlela onokukhetha kuzo.
Iimali mboleko zezindlu kunye ne-HELOCs zisebenzisa ixabiso lekhaya, oko kukuthi, umahluko phakathi kwexabiso lendlu kunye nebhalansi ye-mortgage, njengesibambiso. Njengoko ziqinisekiswa ngexabiso lendlu, iimali-mboleko kwixabiso lexabiso elifanayo zibonelela ngemilinganiselo yenzala ekhuphisanayo, ehlala ikufutshane naleyo yemali-mboleko yokuqala. Xa kuthelekiswa nemithombo yemali-mboleko engakhuselekanga efana namakhadi okuthenga ngetyala, uya kuhlawula iintlawulo ezincinci zemali mboleko efanayo.
Nangona kunjalo, ukusebenzisa ikhaya lakho njengesibambiso kunecala elisezantsi. Ababolekisi be-Equity babeka ikhonkco lesibini kwikhaya lakho, elibanika ilungelo kwikhaya lakho kunye neyokuqala ukuba awusilelanga. Okukhona uboleka kwikhaya lakho okanye kwi-condo, kokukhona uzibeka emngciphekweni.
Ndingaboleka malini kwimali mboleko?
Ungafumanisa ukuba ngubani ongabanini bakho kwi-Intanethi, ngokufowuna okanye ngokuthumela isicelo esibhaliweyo kumncedisi wakho ukuba ubuze ukuba ngubani ongabanini bakho. Umncedisi uyafuneka ukuba akubonelele ngokolwazi lwakho, igama, idilesi, kunye nenombolo yomnxeba yomntu ongumnini-mboleko yakho.
Akusoloko kulula ukwazi ukuba ngubani umnini-mali mboleko yakho. Iimali-mboleko ezininzi zokubambisa ziyathengiswa kwaye umntu osebenza naye ohlawula nyanga nganye akanakuba umnini-mali mboleko yakho. Ngalo lonke ixesha umnini wemali mboleko yakho edlulisela imali-mboleko kumnini omtsha, kufuneka akuthumelele isaziso. Ukuba awuyazi ukuba ngubani ophethe imali yakho yokubambisa, kukho iindlela ezahlukeneyo zokufumanisa. Fowunela umboneleli wakho wenkonzo yokubambisa Ungayifumana inombolo yakho yenkonzo yokubambisa kwisiteyitimenti sakho senyanga semali-mboleko okanye kwincwadi yakho yekhuphoni. Phendla kwi-IntanethiKukho izixhobo ze-intanethi onokuzisebenzisa ukujonga umnini wemali mboleko yakho o FannieMae Isixhobo sokuKhangela o Isixhobo sokuJonga seFreddie Mac Ungayifumana isevisi yakho yokuthenga izindlu ngokuphendla kwiwebhusayithi ye-Electronic Mortgage Filing System (MERS).Ngenisa isicelo esibhaliweyoOlunye ukhetho kukuthumela isicelo esibhaliweyo kumncedisi wakho wokubambisa. Umsebenzisi kufuneka akunike, ngokolwazi lwakhe, igama, idilesi, kunye nenombolo yomnxeba yomnini wemali mboleko yakho. Ungangenisa isicelo esibhaliweyo esifanelekileyo okanye isicelo solwazi. Nantsi isampula yeleta yokukunceda ubhalele umthengisi-nkonzo wokubambisa ukuze ucele ulwazi.
Ndingayihlawula malini imali mboleko?
I-Mortgage, imali-mboleko ephuma ebhankini okanye kumbutho wokwakha ukunceda ukuhlawula ipropati. Le yindlela entle yokuba abantu abatsha bangene kwimarike yezindlu. Noko ke, ekubeni imali ebolekwayo ibalwa ngokusekelwe kumvuzo wonyaka, sithini isixa-mali semali mboleko esinokufunyanwa ngabantu abazisebenzelayo?
Nangona kunzima ngakumbi kumntu oziqeshileyo ukuba afumane imali yokubambisa, akukho nto ibathintelayo ekufumaneni imali-mboleko elingana neyabasebenzi. Ngokuqhelekileyo, ubuninzi obobolekayo umntu bulingana nokuphindaphinda kahlanu imali yomvuzo wabo wonyaka oqinisekisiweyo. Kubathengi bokuqala, oku kuphindaphinda okulula kuqhelekile kumaxesha angama-4,5. Nangona kunjalo, oku kuyahluka phakathi kwababoneleli abahlukeneyo, abanye banikela malunga nezihlandlo ezine ukuya kwezine ezinesiqingatha kwingeniso yonyaka. Ukongeza, abo baziqeshileyo kunye nabo baqeshwe ngabanye kufuneka bahlawule idiphozithi yezindlu. Okukhona idipozithi iphezulu, kokukhona ingcono inzala kwimali-mboleko oya kunikwa yona.
Emva kokuba uqeshe umgcini-mali ukuba ahlole ii-akhawunti zakho okanye ugcwalise ifomu yerhafu yokuzivavanya kumbolekisi, kubalulekile ukuxoxa ngediphozithi. Abanye abathengi abaqalayo ukuziqeshisa banokufuna ukulinda ixeshana elidana ngaphambi kokuba benze isicelo semali mboleko yokugcina imali enkulu.
Santander mortgage calculator
Ukuba sele uqalile ukujonga iipropati, ungafaka ixabiso lepropati uze ufake isixa-mali kwisibali, kwaye siya kukubonisa umlinganiselo wakho wemali-mboleko-kwixabiso (LTV). Oku kuya kukuvumela ukuba ujonge amazinga enzala akhoyo kuwe.
Nceda uqaphele ukuba inani elinikiweyo aliyithatheli ngqalelo imeko yakho, njengeendleko zekhaya lakho, imbali yetyala okanye imeko yepropathi. Sicebisa ngamandla ukuba ufumane isigqibo esisemthethweni, esiluqikelelo lomntu siqu lokuba yimalini onokuyiboleka. Nceda ubone icandelo elithi "IiNkcukacha eziBalulekileyo".
