Isibali seMali yokubolekwa kwezindlu
Imirhumo ye-Broker-Imirhumo yethu ihlawuliswa kuphela xa kukho i-mortgage epheleleyo. Sizama ukuba nesishwankathelo sezinto kwaye ukuba intengiso ayihambi kwaye ayilotyala lakho, siya kukhangela ukudlulisela imali-mboleko yakho kwipropathi entsha, kodwa siyithatha kwimeko ngemeko.
Ukuba uye waphuma, awuyi kugqunywa, kodwa ukuba omnye umntu okwityathanga uye waphuma, uya kugqunywa. Ayizizo zonke ii-arhente zezindlu ezibonelela ngesi siqinisekiso, ngoko jonga imigaqo kunye neemeko.
Ndicinga ukuba ngenene kufuneka ubize ababoneleli-nkonzo okanye, ngenxa yokunqongophala kwabasebenzi abakhoyo kunye neemeko zokusebenza ekhaya, elona cebiso lilungileyo okwangoku liya kuba kukufunda onke amaxwebhu ngocoselelo ukuze ubone ukuba bekuvunyelwene ngantoni na, bekungavunyelwana njani kwaye ukuba kukho yiyo nayiphi na indlela yokubuyisela loo mali.
Ukuba ukuthenga kusilela, oko akuthethi ukuba awamkelwa, ngoko ke okwenzekayo kule meko kukuba kuninzi lwababolekisi-mali, uya kufumana ipropati entsha efanelekileyo kwaye udlulisele isithembiso sakho sokubambisa kuloo propati. Nangona kunjalo, kuya kufuneka ufumane i-appraisal entsha, kodwa ababolekisi basetyenziselwa kakhulu ukujongana nezi meko, ngakumbi xa ikhonkco kwikhonkco le-real estate liwa kwaye linempembelelo.
Inkcazo yeekomishini zokuboleka imali
Xa uthenga ikhaya, kukho imirhumo eyahlukeneyo yokubambisa kunye neendleko ekuya kufuneka uzihlawule kumanqanaba ahlukeneyo enkqubo yokuthenga. Zinokusuka kwiintlawulo ezincinci zolawulo ukuya kwiintlawulo ezinkulu ezigubungela iinkonzo ezibalulekileyo, kwaye zonke ezi zinempembelelo kwiindleko zokwenyani ze-mortgage. Ke ngoko, kubalulekile ukuba wazi yonke into ekuya kufuneka uyihlawule ukuze ukwazi ukucwangcisa imali yakho ngokufanelekileyo.
Kwesi sikhokelo, siza kushwankathela zonke iindleko ezahlukeneyo oya kuthi ngesiqhelo uzihlawule xa uthenga indlu. Siza kukuchazela ngokuthe ngqo ukuba kufuneka uhlawule ntoni, imali iza kuya kubani, kunye nokuba yimalini olindele ukuyihlawula.
Nceda uqaphele ukuba iindleko ezibandakanyiweyo kwesi sikhokelo ziqikelelo kwaye zinokwahluka kakhulu ngokuxhomekeke kumbolekisi wakho kunye neenkonzo ozifunayo. Ke ngoko, ukuze ufumane umbono ochanekileyo wokuba iza kubiza malini na imali-mboleko yakho, kuya kufuneka uqhagamshelane nombolekisi okhethiweyo kunye nababoneleli benkonzo ngokuthe ngqo.
Into eqhelekileyo kukuba kufuneka uhlawule uluhlu lwee-commissions kunye neendleko ngaphambi kokugqiba umsebenzi. Uninzi lwazo luya kuhlawulwa kumbolekisi okhethiweyo, kodwa umvavanyi, igqwetha kunye neentlawulo ze-mortgage broker ziya kuhlawulwa okwangoku.
I-Remortgage Cost Calculator
Ukufumana imali yokubambisa akupheleli kwizavenge zenyanga. Kufuneka kwakhona uhlawule iirhafu ezifana nerhafu kwizenzo zomthetho ezibhaliweyo (Umsebenzi weSitampu) kunye neentlawulo zovavanyo, iingxelo zeengcali kunye namagqwetha. Abantu abaninzi bajongela phantsi inani leentlawulo kunye neendleko ezongezelelweyo.
Le yintlawulo yemveliso yemali-mboleko, ngamanye amaxesha eyaziwa ngokuba yimali yemveliso okanye umrhumo wokuvala. Ngamanye amaxesha inokongezwa kwi-mortgage, kodwa oku kuya kwandisa imali oyityalayo, inzala kunye neentlawulo zenyanga.
Kuya kufuneka ujonge ukuba ikhomishini iyabuyiswa na xa imali yokubambisa ingaqhubeki. Ukuba akunjalo, kunokwenzeka ukuba ucele ukuba umrhumo wongezwe kwi-mortgage uze uyihlawule emva kokuba isicelo samkelwe kwaye uqhubeke phambili.
Ngamanye amaxesha ihlawuliswa xa isivumelwano se-mortgage siceliwe kwaye ngokuqhelekileyo ayibuyiswa, nokuba i-mortgage iyasilela. Abanye ababoneleli bemali-mboleko baya kuyibandakanya njengenxalenye yentlawulo yemvelaphi, ngelixa abanye baya kuyongeza kuphela ngokuxhomekeke kubungakanani bemali-mboleko.
Umbolekisi uya kuxabisa ipropati yakho kwaye aqinisekise ukuba inexabiso lemali ofuna ukuyiboleka. Abanye ababolekisi abayihlawulisi le khomishini kwimisebenzi ethile yokubambisa. Unako kwakhona ukuhlawulela uphando lwakho lwepropati ukuchonga naluphi na ukulungiswa okanye ukulungiswa okunokuthi kufuneke.
Amazinga e-Mortgage e-UK
Ikomishoni yokuqalisa (ngamanye amaxesha ibizwa ngokuba yikomishoni yokuvala okanye ikhomishini yogcino) yintlawulo yolawulo ehlawuliswa ababolekisi xa kuvulwa ityala, ngokuqhelekileyo intlawulo-mboleko okanye imali-mboleko yeenkampani kwaye ngamanye amaxesha ukuxhasa ngemali imoto.
Intlawulo yokuqala ayinakwenzeka ukuba ibonakale kwingxelo yakho yetyala, kodwa kuxhomekeke kumbolekisi, isixa-mali singongezwa kwibhalansi ye-akhawunti yakho iyonke. Ungajonga ukuba iiakhawunti zakho zetyala zivela njani ngokujonga iNgxelo yeTyala lakho.
Isixa sekhomishini yemvelaphi sinokwahluka ukusuka kumakhulu amabini eeponti ukuya kwi-1% yexabiso lemali mboleko, enokuba yimali eninzi. Namhlanje, ukuba ufuna imali-mboleko emiselweyo okanye isaphulelo, kuya kufuneka uhlawule umrhumo wokuvela.
Kuya kufuneka ukuba unike ingqwalasela enkulu kwimiqathango ehambelana nekhomishini: abanye ababolekisi balindele ukuba uyihlawule xa ufaka isicelo semali mboleko kwaye isenokungabuyiswa, nangona oku kufuneka kudizwe ngexesha lesivumelwano. Abanye ababolekisi bongeza umrhumo wokuvela kwimali-mboleko, okuthetha ukuba uya kuhlawula ngaphezulu kwenzala kubomi bemboleko.
