Uthini umlinganiselo wokudada
Ungasebenzisa umsebenzi wokukhangela ukufumana uluhlu olubanzi lwezinto eziphathekayo kwizemali zase-UK, ukusuka kwiimpendulo kwimibuzo ukuya kubunkokeli bengcinga kunye neeblogi, okanye ukufumana umxholo kuluhlu lwezihloko, ukusuka kwiintengiso kunye neemarike ezinkulu ukuya kwiintlawulo kunye nokutsha.
IBhanki yaseNgilani ibhengeze ipesenti ye-0,15 yokunyuka kwexabiso lenzala ukuya kwi-0,25 ekhulwini namhlanje inokushiya abathengi becinga malunga nokuba oku kunyuka kuya kuchaphazela njani imali yabo ebolekiweyo - i-mortgage yabo. Ngenxa yokuba umninimzi oqhelekileyo une-£ 140.000 ye-mortgage yabo ephumayo ukususela ngoJuni ka-2021, kubalulekile ukuqonda ukuba ngubani oza kuchaphazeleka kakhulu zezi ndaba kwaye kangakanani.
Njengoko kubonisiwe kwiTshati yoku-1, imbali yamva nje isixelela ukuba inzala yemali-mboleko yemali-mboleko iye yancipha ngokuthe ngcembe ukuze ibhale phantsi, ngelixa izinga lebhanki liye lahlala lizinzile ngokubanzi. Ukonyuka okuncinci kweReyithi yeBhanki ngo-2017 kunye no-2018, imilinganiselo yemali mboleko ayizange inyuke ngomda ofanayo kwaye ibuyele kwindlela yayo yokuhla ngokukhawuleza emva koko. Ukhuphiswano olomeleleyo kwiimarike kunye nokubonelelwa lula kwenkxaso-mali yehoseyile ibe yimiba ebalulekileyo ekugcineni amaxabiso aphantsi.
Umyinge wenzala wangoku
Imali mboleko yomninimzi yimali-mboleko eqinisekisiweyo onokuyifumana ngokuchasene nepropati yakho yokuhlala okanye yorhwebo. Yimali-mboleko eqinisekisiweyo kunye nexesha ukuya kuthi ga kwi-18 leminyaka. Njengazo zonke iimali-mboleko ezikhuselweyo, imali-mboleko ye-equity yezindlu nayo inenzala ephantsi ngokuthelekisayo. Xa ukhetha ukubolekwa imali kwipropathi yeBajaj Finserv, unokukhetha phakathi kwenzala eguquguqukayo okanye emiselweyo.
Kuyenzeka ukuba utshintshe ukusuka kwi-floating ukuya kumazinga enzala asisigxina kwaye ngokuphendululekileyo. Nangona kunjalo, xa utshintsha, khumbula ukuba unokubizwa umrhumo. Le mali yokuguqula ingafikelela kwi-2% yemali-mboleko. Ukukhetha phakathi kokutshintsha kunye nesantya senzala esisigxina sisigqibo esibalulekileyo njengoko sichaphazela i-EMI yakho. Ke, yenza inkuthalo yakho ukwenza isigqibo esinolwazi esilungele imeko yakho yezemali kunye neemfuno.
Nangona kuthathwa unonophelo ukuze kuhlaziywe ulwazi, iimveliso kunye neenkonzo ezibandakanyiweyo okanye ezifumanekayo kwiwebhusayithi yethu kunye newebhusayithi / iiplatifomu ezinxulumene nazo, kunokubakho ukungachaneki okanye iimpazamo zokuchwetheza ezingezizo okanye ukulibaziseka ekuhlaziyeni ulwazi. Izinto eziqulethwe kwesi siza, nakumaphepha ewebhu anxulumeneyo, zezolwazi ngokubanzi kunye nereferensi kwaye iinkcukacha ezikhankanywe kwimveliso/uxwebhu lwenkonzo olufanelekileyo ziya kulawula kwimeko yako nakuphi na ukungangqinelani. Ababhalisi kunye nabasebenzisi kufuneka bafune iingcebiso zobungcali ngaphambi kokuba benze ngokwesiseko solwazi oluqulethwe apha. Nceda wenze isigqibo esinolwazi malunga nayo nayiphi na imveliso okanye inkonzo emva kokuphonononga imveliso/uxwebhu lwenkonzo olusebenzayo kunye nemigaqo nemiqathango esebenzayo. Kwimeko yokungangqinelani, nceda ucofe ku-"Qhagamshelana nathi".
Izinga lenzala elimiselweyo okanye eliguquguqukayo, leliphi elingcono?
Iimali-mboleko ezingezantsi zibonisa awona mazinga enzala angcono aguquguqukayo akhoyo kubahambisi bezindlu. Ungalungisa le theyibhile ingezantsi ngokongeza ixabiso lepropati ofuna ukuyithenga kunye nexabiso lemali-mboleko ofuna ukuyifumana. Ukuba awuhambisi zindlu, ungaphinda uthengele i-remortgages kunye ne-mortgages yasekhaya okokuqala.
Ityala liya kuqinisekiswa ngokuboleka imali kwipropati yakho. IKHAYA LAKHO LISENOKUVALWA UKUBA AKUWUGCINA IINTLAWULO ZAKHO ZOKUBAMBISANA. Ababolekisi banokukunika uqikelelo olubhaliweyo. Imali-mboleko ixhomekeke kwindawo kunye nokuxatyiswa kwaye ayifumaneki kwabo bangaphantsi kwe-18 leminyaka ubudala. Zonke iireyithi zinokutshintshwa ngaphandle kwesaziso. Nceda ujonge zonke iireyithi kunye nemigaqo nombolekisi wakho okanye umcebisi wezemali ngaphambi kokuba wenze nayiphi na imali-mboleko.
Amakhonkco akhawulezayo apho sinesivumelwano kunye nomthengisi ukuze uhambe ngokuthe ngqo kwindawo yethu ukuya kweyabo ukujonga ulwazi oluninzi kwaye u-odole imveliso. Sikwasebenzisa amakhonkco akhawulezayo xa sinesivumelwano nomthengisi okhethiweyo ukuba akuse ngqo kwiwebhusayithi yakhe. Ngokuxhomekeke kwisivumelwano, sinokufumana ikhomishini ethobekileyo xa ucofa iqhosha elithi "Yiya kuMboneleli" okanye "Thetha kwiBroker", fowunela inombolo epapashiweyo, okanye ugcwalise isicelo.
Ityala lezinga elidadayo
Njengoko igama libonisa, iqondo lenzala emiselweyo lithetha ukuba ireyithi oyibizayo iya kufana kubomi bemali-mboleko, kungakhathaliseki naluphi na utshintsho kumaxabiso emarike. Kulindeleke ukuba uhlawule imali-mboleko esisigxina ngezavenge ezilinganayo ekuhambeni kwexesha.
Olona phawu luphambili lwenkxaso-mali yezinga elimiselweyo kukuba izinga lenzala liyagcinwa naxa amaxabiso emarike eguquguquka, okwenzeka xa ugunyaziwe webhanki ephakathi - iBhanki enguVimba yaseIndiya - etshintsha izinga iibhanki ezinokuboleka kwaye ziboleke ngalo.
Kwimeko yomlinganiselo omiselweyo, ababoleki banokutshixa iqondo lenzala ngokusekelwe kuhlahlo lwabiwo-mali lwabo olufanelekileyo kwaye bacwangcise ezinye iimali. Ukuba ukhetha eli zinga lenzala, uya kuyazi ngqo ukuba isavenge ngasinye siya kubiza malini na ngexesha lemboleko.
Imali mboleko yemali-mboleko kulula ukuyiqonda kwaye iyahluka kancinci ukusuka kumbolekisi ukuya kumbolekisi. Zinokuba lukhetho olufanelekileyo kwabo bacwangcisa uhlahlo lwabiwo-mali lwabo ngenkuthalo, njengoko olu hlobo lwenzala lufuna ukuba isixa-mali esifanayo sezavenge zenyanga (EMI) sihlawulwe unyaka nonyaka kulo lonke ixesha lemali-mboleko.
