Ngaba ndingathenga indlu eOstreliya njengomntu ongahlaliyo?
Eli nqaku lidinga izicatshulwa ezongezelelweyo zokuqinisekisa. Nceda uncede ukuphucula eli nqaku ngokongeza izicatshulwa ezivela kwimithombo ethembekileyo. Izinto ezingasebenziyo zinokucelwa umngeni kwaye zisuswe. Fumana imithombo: "Imali-mboleko yeKhaya" - Iindaba - Amaphephandaba - Iincwadi - Isifundiswa - JSTOR (Epreli 2020) (Funda ukuba ungasisusa njani kwaye nini esi sithuba kwithempleyithi)
Ababoleki-mali-mboleko basenokuba ngabantu ababambisa amakhaya abo okanye banokuba ziinkampani ezibambisa ngepropathi yorhwebo (umzekelo, iindawo zabo zoshishino, iindawo zokuhlala ezirentwayo, okanye ipotifoliyo yotyalo-mali). Umbolekisi udla ngokuba liziko lemali, elifana nebhanki, umanyano lwamatyala okanye inkampani yokubambisa, ngokuxhomekeke kwilizwe ekuthethwa ngalo, kwaye izivumelwano zemali-mboleko zingenziwa ngokuthe ngqo okanye ngokungathanga ngqo ngokusebenzisa abameli. Iimpawu zeemali-mboleko, ezifana nemali-mboleko, ukuvuthwa kwemboleko, izinga lenzala, indlela yokubuyisela imali mboleko kunye nezinye iimpawu, zinokuhluka kakhulu. Amalungelo omboleki kwipropati ekhuselweyo athatha indawo yokuqala ngaphezu kwabanye abatyalwayo bomboleki, nto leyo ethetha ukuba ukuba umboleki uyatshona okanye akatshoni, abanye abatyalwayo baya kufumana kuphela imbuyekezo yamatyala abanawo ngokuthengisa ipropati. ihlawulwa ngokupheleleyo kuqala.
ungayithenga indlu ngaphandle kwereddit yomsebenzi
Umceli mngeni ophambili kukufumana ibhanki elungileyo ehambelana neprofayile yakho. Iimveliso zebhanki kunye neendlela zokufaneleka ziyahluka kakhulu kwaye ibhanki enye inokufaneleka kumxhasi omnye kwaye ayifanelekanga ngokupheleleyo komnye. Ibhanki isenokulikhaba ityala lemali-mboleko yomthengi xa enye ibhanki iya kuvuma. Ukungazi ukuba yeyiphi eyona bhanki ifanelekileyo inokubangela
Omnye umngeni kukuba umxhasi uhlala eSpain kuphela (okanye uhlawule irhafu eSpain) ixesha elifutshane. Ukuze ufaneleke kwiimeko zokuhlala, iibhanki zihlala zifuna ubungqina obusemthethweni bokuba zihlawule iirhafu zaseSpain, ezifana nengxelo yokuqala yengeniso yonyaka. Kuhlala kucetyiswa ukuba uye kwibhanki yakho kuqala ukuba ufaka umvuzo wakho kwiakhawunti yebhanki yaseSpain.
Imakethi yokubambisa yaseSpain ihlala yomelele kakhulu, nangexesha lobhubhani. Iibhanki ziboleka ngokukhululekileyo kwaye zibonelela ngemiqathango yokhuphiswano kubahlali kunye nabangengabo abahlali. Nangona kunjalo, iibhanki zihlala zilumkile kakhulu ekunikezeni imali-mboleko kwaye ziqinisekisa ukuba zonke iitshekhi eziyimfuneko zokufikeleleka ziyenziwa.
Ngubani onokuthenga ipropathi eOstreliya?
Ngokuqhelekileyo kucingelwa ukuba abantu abaninzi bayazi ukuba ikhaya labo lixabisa ntoni. Nangona kunjalo, abantu abaninzi basadidekile kulo mbandela. Njengomninikhaya, kufuneka uqonde indlela ukulingana kwekhaya kusebenza njani. Oku kuyinyani ngakumbi ukuba ufuna ukuhlawulela imali-mboleko okanye ukuboleka imali kwindawo yakho yokuhlala.
Ityala elifumanekayo kuwe njengomboleki ngemali-mboleko ye-equity yendlu ixhomekeke kwisixa se-equity onayo. Masithi indlu yakho ixabisa i-250.000 yeedola kwaye utyala i-150.000 yeedola kwi-mortgage yakho. Ukuthabatha nje intsalela yemali-mboleko kwixabiso lekhaya ukuze ufumane i-100.000 ye-equity yasekhaya.
Bambalwa kakhulu ababolekisi abaya kukuvumela ukuba uboleke isixa esipheleleyo sokulingana kwekhaya lakho. Ngokuqhelekileyo bakuvumela ukuba uboleke ukuya kwi-80% ukuya kwi-90% ye-equity yakho ekhoyo, kuxhomekeke kumbolekisi wakho, ikhredithi yakho kunye nomvuzo wakho. Ke ukuba une-$100.000 ye-net ye-net value, njengakumzekelo ongasentla, ungafumana i-$80.000 ukuya kwi-$90.000 yomgca wokuthenga ngetyala ekhaya (HELOC). Ubuhlanga, imvelaphi yesizwe, kunye nezinye izinto ezingezozamali akufuneki zidlale indima ekumiseleni ukuba ungakanani na ukulingana kwekhaya onokuyiboleka.
I-Mortgage ngaphandle kwengeniso kodwa ine-asethi
Kuqoqosho oluphantsi okanye ukudodobala koqoqosho, kungcono ukujonga inkcitho yakho kwaye ungathathi imingcipheko enokuthi ibeke esichengeni iinjongo zakho zemali. Ukudodobala koqoqosho kungonakalisa iimali zakho zobuqu. Ukuzilungiselela nokuthatha amanyathelo ambalwa alula ukunciphisa umngcipheko kunokukunceda uhlangabezane nesaqhwithi sezoqoqosho. Apha ngezantsi kudweliswe eminye yemingcipheko yezemali ekufuneka wonke umntu ayiphephe ngexesha lokudodobala koqoqosho.
Ukusayina ngokubambisana imali-mboleko kunokuba sisenzo esiyingozi kakhulu nangamaxesha oqoqosho oluhle. Ukuba lowo ubolekayo akazenzi iintlawulo ezifunekayo, kusenokufuneka umtyikityi akwenzele zona. Ngexesha lokudodobala koqoqosho, imingcipheko eyayanyaniswa nokutyikitya ityala ibankulu ngakumbi, njengoko bobabini umboleki kunye nomntu otyikitya kunye banokujongana namathuba aphezulu okuphulukana nomsebenzi wabo okanye ukubona ingeniso yeshishini labo lehla.
Oko kwathiwa, unokuzifumana ufuna ukufakazela ilungu losapho okanye umhlobo osondeleyo kungakhathaliseki ukuba kwenzekani kuqoqosho. Kwezi meko, kuyahlawula ukuba kubekho ukonga okuthile kubekelwe bucala njengomqamelo. Okanye, endaweni yokutyikitya, kusenokuba bhetele ukunceda ngentlawulo ephantsi okanye ukuboleka imali yakho kunokuba ubhaqwe kwimali-mboleko esayiniweyo.
