Ukwiminyaka emingaphi ubudala ekufuneka uyihlawule imali yokubambisa?
Ngokubanzi, unokuthatha imali-mboleko yokuqala yokuthenga indlu okanye indawo yokuhlala, uhlaziye, wandise kwaye ulungise ikhaya lakho langoku. Uninzi lweebhanki lunomgaqo-nkqubo owahlukileyo kwabo baya kuthenga ikhaya lesibini. Khumbula ukubuza ibhanki yakho yorhwebo ngengcaciso ethile kule miba ingentla.
Ibhanki yakho iya kuvavanya amandla akho okubuyisela xa usenza isigqibo malunga nokufaneleka kwemali mboleko. Umthamo wentlawulo yentlawulo usekelwe kumvuzo wakho olahlayo/ongaphezulu kwenyanga, (osekelwe kwimiba enjengomvuzo wenyanga uwonke/ugqithiso lwenyanga kuthatyathwe iindleko zenyanga) kunye nezinye izinto ezifana nomvuzo weqabane, izinto zexabiso, amatyala, ukuzinza kwengeniso, njl. Eyona nto iphambili yebhanki kukuqinisekisa ukuba uyibuyisela kakuhle imali-mboleko kwangexesha nokuqinisekisa ukuba iyayisebenzisa okokugqibela. Okukhona uphezulu umvuzo wenyanga ofumanekayo, kokukhona uphezulu isixa apho imali-mboleko iya kufaneleka ngayo. Ngokuqhelekileyo, ibhanki ithatha malunga ne-55-60% yomvuzo wakho wenyanga olahlayo / i-surplus iyafumaneka ukuze uhlawule imali mboleko. Nangona kunjalo, ezinye iibhanki zibala ingeniso elahlayo yentlawulo ye-EMI ngokusekelwe kumvuzo opheleleyo womntu kungekhona umvuzo wabo.
Ngaba iintlawulo zokubambisa ziyanyuka ngokuhamba kwexesha?
I-mortgage isoloko iyimfuneko ekuthengeni ikhaya, kodwa kunokuba nzima ukuqonda ukuba uhlawula ntoni kwaye yintoni onokukwazi ukuyihlawula. Ikhatyhuleyitha yokubambisa inokunceda ababoleki baqikelele iintlawulo zabo zenyanga ngokubhekiselele kwixabiso lokuthenga, intlawulo ephantsi, izinga lenzala, kunye nezinye iindleko zenyanga zomninimzi.
1. Faka ixabiso lendlu kunye nesixa sentlawulo yokuqala. Qala ngokongeza ixabiso elipheleleyo lokuthenga ikhaya ofuna ukulithenga kwicala lasekhohlo lesikrini. Ukuba awunayo indlu ethile engqondweni, unokuzama ngalo mzobo ukuze ubone ukuba yimalini na indlu onokufikelela kuyo. Ngokufanayo, ukuba ucinga ngokwenza umnikelo kwindlu, le calculator inokukunceda ukuba ubone ukuba unganikezela kangakanani. Emva koko, yongeza intlawulo ephantsi olindele ukuyenza, mhlawumbi njengepesenti yexabiso lokuthenga okanye njengexabiso elithile.
2. Faka inzala. Ukuba sele ukhangele imali-mboleko kwaye unikwe uluhlu lwenzala, faka enye yaloo maxabiso kwibhokisi yenzala esekhohlo. Ukuba awukayifumani inzala okwangoku, ungafaka umndilili wangoku wenzala yemali-mboleko njengesiqalo.
Ngaba kufuneka ndihlawule imali-mboleko yam okanye ndityala imali?
Olu papasho lunelayisensi phantsi kwemiqathango yeLayisensi yoRhulumente oVulekileyo v3.0, ngaphandle kwalapho kuchazwe ngenye indlela. Ukujonga eli phepha-mvume ndwendwela nationalarchives.gov.uk/doc/open-government-licence/version/3 okanye ubhalele iQela loMgaqo-nkqubo woLwazi, i-National Archives, Kew, London TW9 4DU, okanye i-imeyile: [imeyile ikhuselwe].
Ungalunqanda uxinzelelo kwaye ukhawulezise inkqubo ngokwazi ukuba yeyiphi imibuzo omawuyibuze, ngawaphi amalungelo akho, kwaye luluphi uxanduva onalo njengomthengi wendlu. Ekupheleni kwesi sikhokelo uya kufumana isichazi-magama esinamagama amaninzi obugcisa owasebenzisayo, kuquka lawo agxininiswe ngokungqindilili.
amathuba okuba imali-mboleko yamkelwe. Okukhona liphezulu inani, kokukhona kunokwenzeka ukuba unikwe inani lezivumelwano zokuboleka imali. KwiNkonzo yeeNgcebiso zemali uya kufumana ulwazi malunga nendlela yokujonga amanqaku akho ekhredithi kunye nendlela yokuphucula.
Umbolekisi wemali-mboleko uya kuthathela ingqalelo isixa esipheleleyo onokuthi usiboleke kunye nokuba zifikeleleke kangakanani iintlawulo zakho zenyanga zindlu xa uthatha isigqibo semali-mboleko. Uvavanyo lokufikeleleka luya kuthathela ingqalelo yakho
Ngaba intlawulo yam yokubambisa iyakwehla emva kweminyaka emi-5?
Ukuba ufumene isixa-mali obungasilindelanga okanye wonge isambuku esikhulu kule minyaka idlulileyo, kusenokukulinga ukuhlawula imali-mboleko yakho yendlu phambi kwexesha. Enoba ukuhlawula imali-mboleko yendlu kwangethuba kusisigqibo esihle okanye akunjalo kuxhomekeke kwiimeko zemali zomboleki-mali, inzala yemali-mboleko, nokuba ukufutshane kangakanani na kumhlala-phantsi.
Kufuneka kwakhona uthathele ingqalelo ukuba eso sixa semali sityaliwe endaweni yokuhlawula i-mortgage. Eli nqaku liphonononga ixabiso lenzala elinokuthi ligcinwe ngokuhlawula imali-mboleko iminyaka elishumi phambi kweshedyuli ngokuchasene nokutyala imali kwimarike, ngokusekelwe kwiimbuyekezo ezahlukeneyo zotyalo-mali.
Ngokomzekelo, kwintlawulo yenyanga yeedola ezili-1.000 300, iidola ezingama-700 zinokusetyenziselwa inzala kunye needola ezingama-XNUMX zokunciphisa ibhalansi eyintloko yemali-mboleko. Inzala kwimali-mboleko yemali-mboleko inokwahluka ngokuxhomekeke kwizinga lenzala kuqoqosho kunye nokufaneleka komboleki.
Ishedyuli yentlawulo yemali-mboleko kwithuba leminyaka engama-30 ibizwa ngokuba yishedyuli ye-amortization. Kwiminyaka yokuqala, iintlawulo kwi-fixed-rate-mortgage loan zenziwa ngokuyinhloko kwinzala. Kwiminyaka yakutshanje, inxalenye enkulu yentlawulo yemali-mboleko isetyenziswe ekunciphiseni inqununu.
