Ngawaphi amaZwe avumela iZohlwayo zeNtlawulo
Intlawulo ehlawulwa kwangaphambili yintlawulo yababolekisi abahlawulisa ababoleki abahlawula yonke okanye inxalenye yemali-mboleko yabo phambi kwexesha. Ezi ntlawulo zichazwe ngokweenkcukacha kumaxwebhu emali-mboleko kwaye zivumelekile kwiindidi ezithile zeemali-mboleko, ezinje nge-mortgages eqhelekileyo, iimali-mboleko zepropathi yotyalo-mali, kunye nemali-mboleko yobuqu. Imirhumo idla ngokuqala malunga ne-2% yemali eseleyo yemali eseleyo kwaye yehle iye kuthi xhaxhe kwiminyaka embalwa yokuqala yemali-mboleko.
Izohlwayo zokuhlawula kwangaphambili zinokuba ngumqobo ongamkelekanga kubantu abazama ukunciphisa amatyala abo okanye ukwakha ubulungisa kwipropati yabo. Ukuba ufuna ukuphepha ezi zohlwayo, unokwenza njalo ngokuphepha iintlobo ezithile zeemali-mboleko, ukuhlawula imali-mboleko yakho emva kokuba intlawulo isusiwe, okanye uthethathethwano ngokuthe ngqo nombolekisi wakho ngaphambi kokuba uvale.
Isohlwayo sentlawulo ye-prepayment, okanye "intlawulo yangaphambili," yimali ehlawulwa kubaboleki ukuba bayibuyisela imali-mboleko kwiminyaka elandela ukuqaliswa kwayo. Ababolekisi bahlala beyeka ukubiza emva kokuba imali mboleko ihlawulwe iminyaka emithathu ukuya kwemihlanu. Ababolekisi babiza ezi ntlawulo ukutyhafisa ababoleki ekuhlawuleni okanye ekuxhaseni ngokutsha imali yabo yokubambisa, nto leyo eya kubangela ukuba umbolekisi aphulukane nengeniso yenzala.
Indlela yokuphepha isohlwayo sentlawulo ye- mortgage prepayment
Iintlawulo zokuhlawula kwangaphambili zinxulunyaniswa neemali zokubambisa ezinexesha lenzala “elivaliweyo.” Ixesha elivaliweyo livumela ukuhlawulwa kwangaphambili ukuya kuthi ga kwi-10% yebhalansi ye-mortgage yokuqala. Isithintelo sentlawulo yekhadi ikuvumela ukuba ufumane inzala ephantsi kunokuba ubunokuyifumana ngokuqhelekileyo ukuba igama elithi "ivuliwe." Xa uhlawula imali-mboleko yakho ngaphezu kwalo mda, ulungisa iimeko zekhontrakthi (ngokuhlawula i-amortization ngokukhawuleza), nto leyo ebangela ukuba iBhanki ibe neendleko zokuboleka kwakho.
Iintlawulo ze-prepayment zibalwa ngokwahlukileyo ngokuxhomekeke kuhlobo lwe- mortgage onayo. Kwimeko yemali-mboleko yexabiso elimiselweyo, iindleko zokuhlawula kwangaphambili ziya kuba nkulu koku kulandelayo: Iinyanga ezi-3 zenzala okanye inzala kwixesha eliseleyo kwisixa esibuyiswe kwangaphambili, ibalwe kusetyenziswa umahluko wezinga lenzala. Ngomlinganiselo oguquguqukayo kunye neemali mboleko zeRatecapper, ziinyanga ezi-3 zenzala.
Ukusuka kukhuseleko lwemali-mboleko yemali emiselweyo ukuya kubhetyebhetye lwemali-mboleko eguquguqukayo, uneendlela ezahlukeneyo zokukhetha inzala. Inzala yemali-mboleko yemali emiselweyo iyagcinwa kulo lonke ixesha lokubambisa. Intlawulo yemali-mboleko eguquguqukayo ikunika ukuguquguquka ukuze uthathe inzuzo yamazinga enzala asezantsi kwaye utshintshele kwixabiso lemali-mboleko esisigxina nangaliphi na ixesha. Kwelinye icala, iSicwangciso sasekhaya se-RBC sikuvumela ukuba wahlule imali-mboleko yakho kwaye wonwabele iingenelo zokuguquguquka kunye namazinga amiselweyo. Inxalenye eguquguqukayo ikuvumela ukuba uthathe inzuzo yokonga okunokubakho kwexesha elide, ngelixa isahlulo sezinga elimiselweyo sikhusela ukuba amazinga anyuka.
Imali-mboleko yomntu kunye nesohlwayo sentlawulo yangaphambili
Unelungelo lokuphelisa izivumelwano ezahlukeneyo kunye nobudlelwane njengoko uqhubeka nenkqubo yokuthenga ikhaya. Makhe sijonge ngokukhawuleza obona budlelwane buthathu buxhaphakileyo ozakungena kunye nokhetho lwakho lokubuyela umva.
Khumbula ukuba ezinye izivumelwano ziza kunye neentlawulo zokurhoxiswa kunye nezohlwayo, kodwa ezi ziphaphathekile xa zithelekiswa neendleko okanye unxunguphalo lweemvakalelo zokubambelela kwindlu ongayifuniyo. Amaqabane akho okuthenga ikhaya kufuneka ahlale elumkisa phambi kokuba ufikelele kwinqanaba lokungabuyi.
Okulandelayo, hlola isicelo sakho kunye nesivumelwano esikhoyo kunye nombolekisi wakho. Ungafumana imbuyekezo ngemirhumo ethile, efana netshekhi yetyala kunye neentlawulo zovavanyo. Ezinye iindleko, ezinjengemirhumo yokulungisa isicelo kunye nemali yokulungisa izinga lenzala, zidla ngokungabuyiswa. Kusenokufuneka uhlawule isohlwayo sokurhoxisa isicelo semali-mboleko.
Umbolekisi wakho kufuneka anikezele ngesiqinisekiso sokurhoxiswa ngefowuni okanye ngobuqu, kwaye uya kuthumela isiqinisekiso ngeposi. Gcina onke amaxwebhu okurhoxisa xa uwafuna kwixesha elizayo.
Imali-mboleko yemoto kunye nesohlwayo sentlawulo yangaphambili
Intlawulo yokuhlawula kwangaphambili intlawulo yababolekisi abahlawulisa ababoleki abahlawula yonke okanye inxalenye yemali mboleko yabo ngaphambi kweshedyuli. Ezi ntlawulo zichazwe kumaxwebhu emali-mboleko kwaye zivumelekile kwiindidi ezithile zeemali-mboleko, ezifana ne-mortgages eqhelekileyo, iimali mboleko zepropathi yotyalo-mali, kunye neemali-mboleko zomntu. Imirhumo idla ngokuqala malunga ne-2% yebhalansi yenqununu engekahlawulwa kwaye iyancipha iye kwiqanda kwiminyaka embalwa yokuqala yemali-mboleko.
Izohlwayo zokuhlawula kwangaphambili zinokuba ngumqobo ongamkelekanga kubantu abazama ukunciphisa amatyala abo okanye ukwakha ubulungisa kwipropati yabo. Ukuba ufuna ukuphepha ezi zohlwayo, unokwenza njalo ngokuphepha iintlobo ezithile zeemali-mboleko, ukuhlawula imali-mboleko yakho emva kokuba intlawulo isusiwe, okanye uthethathethwano ngokuthe ngqo nombolekisi wakho ngaphambi kokuba uvale.
Isohlwayo sentlawulo ye-prepayment, okanye "intlawulo yangaphambili," yimali ehlawulwa kubaboleki ukuba bayibuyisela imali-mboleko kwiminyaka elandela ukuqaliswa kwayo. Ababolekisi bahlala beyeka ukubiza emva kokuba imali mboleko ihlawulwe iminyaka emithathu ukuya kwemihlanu. Ababolekisi babiza ezi ntlawulo ukutyhafisa ababoleki ekuhlawuleni okanye ekuxhaseni ngokutsha imali yabo yokubambisa, nto leyo eya kubangela ukuba umbolekisi aphulukane nengeniso yenzala.
