I-mortgage engenamvuzo kodwa ine-asethi
Kwaye, ngenxa yeenkqubo zanamhlanje eziguquguqukayo zokubambisa imali, akufuneki ube nomvuzo ophezulu wokuthenga ikhaya. Iinkqubo zokubolekwa kwezindlu eziphantsi-phantsi zinokwenza ukuba ukuthenga kufikeleleke nakwiintsapho ezinengeniso ephantsi nezingenayo imali eninzi yokonga.
Uninzi lweenkqubo zokubambisa zifuna iminyaka emibini yengqesho elandelelanayo okanye ingeniso engaguqukiyo, nokuba ngumqeshi omnye okanye ngaphakathi kwintsimi enye. Olu luphawu lozinzo, olubonisa ukuba umvuzo wakho uya kuhlala uthembekile ubuncinci iminyaka emithathu emva kokuvala ikhaya lakho.
Ukusebenzisa iikhomishini, ixesha elingaphezulu, ingeniso yeyunithi yesitokhwe esithintelweyo, okanye ingeniso yebhonasi ukuze ufaneleke, kufuneka ubonise ukuba le ngeniso igcinwa ubuncinane iminyaka emibini ukuya kwemithathu emva kokuvalwa. Oku kuthetha ukuba umqeshi wakho ukubonelela ngesiqinisekiso esibhaliweyo.
Umvuzo wokuzisebenzela unokuguquguquka unyaka nonyaka. Akufunekanga unikezele ngeembuyekezo zakho zerhafu ezigqityiweyo zeminyaka emibini edlulileyo, kodwa umvuzo wakho kufuneka uhlale ufana okanye unyuke ngaloo minyaka mibini.
Ukuba awuqinisekanga ukuba umvuzo wakho uyahlangabezana na neemfuno, thetha nombolekisi wezindlu. Igosa lakho lemali-mboleko linokukunceda uqonde ukuba zeziphi iintlobo zomvuzo ofanelekileyo kunye nokuba yimalini na indlu onokufikelela kuyo ngokusekelwe ekuhambeni kwakho kwemali yenyanga.
I-Mortgage ngaphandle komsebenzi kodwa ngediphozithi enkulu
Imali-mboleko engarholiyo okanye yomvuzo ophantsi ingafuneka nangaliphi na ixesha ngenxa yokulahlekelwa ngumsebenzi. Ngokwesiseko yimveliso echaziweyo yengeniso, kodwa kule meko, unokungabi nawo umvuzo wokufikelela kwimali mboleko yendlu, kwaye unokufuna ukufumana umntu obolekisa ngemali yendlu yabucala ukuze avale de ubuyele emsebenzini okanye unokusombulula ingxaki yakho yezemali.
Ngaba ujonge i-mortgage ngaphandle kokuqinisekiswa kwengeniso? Singakunceda. Ngenye yeemveliso zethu ezininzi zenkunzi, singakufumanela imali oyifunayo ukuze udlule kula maxesha anzima. Kwezinye iimeko, ababolekisi banokukhetha ukubolekwa-mboleko kwangaphambili ukuze ungabi naxhala malunga nokwenza iintlawulo ngexesha kwaye unokugxila kwinto ekufuneka uyenzile ukuze wakhe kwakhona ukuhamba kwakho kwemali. Zininzi izinto ekufuneka uziqwalasele, ke sitsalele umnxeba namhlanje kwaye sikubekele impumelelo.
Umbolekisi ongu-B uya kuvumela abantu abazisebenzelayo, ii-arhente zekhomishini kunye nabo bavuzayo ukuba bafaneleke ukuya kuthi ga kwi-75% kwaye kwezinye iimeko ama-80% (ngemveliso yangaphakathi) ukuba bahlawule, bafumane imali mboleko yezindlu okanye bathenge ikhaya elinengeniso echaziweyo.
Isibali seMvuzo ephantsi yokubolekwa kwezindlu
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.
Ngaba ndingafumana imali mboleko ngaphandle komsebenzi e-UK?
Ngaba unayo indlu engqondweni kwaye ungathanda ukufaka isicelo semali mboleko, kodwa awunaso isivumelwano esingenasiphelo? Emva koko unokucela umqeshi wakho ukuba ufuna ukukhupha ileta yenjongo. Ileta yenjongo ye-mortgage inika ukhuseleko olongezelelweyo kumbolekisi we-mortgage. Umqeshi wakho ubhengeza ukuba unenjongo yokuguqula isivumelwano sakho sexesha elimiselweyo - xa siphelelwa - sibe sisivumelwano esisisigxina. Isibhengezo senjongo yokubambisa yinxalenye yesibhengezo sosomashishini. Kufuneka ugcwalise kuphela ukuba umsebenzi akanaso isivumelwano esingenasiphelo.
Umqeshi wakho ukhupha ingxelo yomqeshi. Olu xwebhu kufuneka luquke: imiqathango yengqesho yakho (yexeshana okanye isigxina), umvuzo wakho wonyaka (uchazwa yinto), kunye nayo nayiphi na imali-mboleko yomqeshi wakho. Ingxelo yosomashishini luxwebhu olubalulekileyo lwesicelo se-mortgage. Esi sibhengezo kufuneka sibe notyikityo olongezelelweyo kwaye ludla ngokucwangciswa ngolu hlobo lulandelayo
"Ukucinga ukuba ukusebenza kugcinwa kwaye iimeko zenkampani azitshintshi, ekupheleni kwesivumelwano sengqesho yexesha elimiselweyo, iya kutshintshwa yinkontileka yengqesho engapheliyo ixesha elingenammiselo."
