Elona xesha lokuboleka imali kubathengi bokuqala
Xa ixesha lakho lokubambisa liphelile, kuya kufuneka uhlawule nayiphi na imali eseleyo kwi-akhawunti yakho kunye nayo nayiphi na imali-mboleko ehambelana nayo (ukuba nazo zifikelele esiphelweni). Le mfuno yinxalenye yemiqathango yemali mboleko yakho.
Ukuba unenzala-mali yokubambisa kuphela, iintlawulo zakho zenyanga ubuhlawula inzala kodwa azikayicusi ibhalansi yemali-mboleko yakho (ngaphandle kokuba ubusenza iintlawulo ezingaphezulu ngenjongo yokunciphisa ibhalansi yemali mboleko yakho). Oku kuthetha ukuba ekupheleni kwexesha le-mortgage ekuvunyelwene ngayo, kufuneka uyibuyisele ngokupheleleyo imali-mboleko. Cofa apha ukuze ufumane ulwazi oluthe kratya malunga neNzala kuphela yokuboleka imali.
Kufuneka ube sele unaso isicwangciso sokuhlawula imali-mboleko xa ixesha layo liphela. Ukuba awukakwazi, nceda usazise isicwangciso sakho ngokukhawuleza. Ungasitsalela umnxeba kule nombolo 0330 159 2590* okanye ugcwalise ifomu yesicwangciso sokuhlawula amatyala uze uyithumele kuthi.
Ukuba awunaso isicwangciso sokuhlawula ukubuyisela imali-mboleko yakho ngokupheleleyo, sitsalele umnxeba kule nombolo 0330 159 2590* ngokukhawuleza ukwenza idinga ngomnxeba nomcebisi okhethekileyo. Baza kukuchazela iinketho zakho.
Imali-mboleko yemali emiselweyo
I-mortgage yimali-mboleko yexesha elide eyenzelwe ukukunceda uthenge ikhaya. Ukongeza ekuhlawuleni inkunzi, kufuneka kwakhona uhlawule inzala kumbolekisi. Indlu nomhlaba oyijikelezileyo yenzelwa isibambiso. Kodwa ukuba ufuna ukuba nekhaya, kufuneka wazi ngaphezu kwezi zinto ziqhelekileyo. Le ngcamango iyasebenza nakwishishini, ngakumbi xa kuziwa kwiindleko ezizinzileyo kunye namanqaku okuvala.
Phantse wonke umntu othenga indlu unemali-mboleko. Amaxabiso ezindlu zokubolekwa kwezindlu ahlala ekhankanywa kwiindaba zangokuhlwa, kwaye intelekelelo malunga nemilinganiselo yesikhokelo iya kuhamba ibe yinxalenye yenkcubeko yezemali.
Imali yokubambisa yale mihla yavela ngo-1934, xa urhulumente-ukunceda ilizwe kwi-Great Depression - wadala inkqubo ye-mortgage eyanciphisa intlawulo efunekayo kwikhaya ngokwandisa imali abanokuba ngabanini-zindlu abanokuboleka. Ngaphambi koko, i-50% yentlawulo ephantsi yayifuneka.
Ngo-2022, i-20% yentlawulo ephantsi iyanqweneleka, ngakumbi ekubeni ukuba intlawulo ephantsi ingaphantsi kwe-20%, kufuneka uthathe i-inshurensi ye-mortgage yangasese (PMI), eyenza ukuba iintlawulo zakho zenyanga zibe phezulu. Noko ke, oko kunqwenelekayo akufuneki kufikeleleke. Kukho iinkqubo zokubambisa ezivumela iintlawulo eziphantsi kakhulu, kodwa ukuba ungayifumana loo 20%, kufuneka.
Kufuneka ibe yeyexesha elingakanani imali-mboleko yam yokubambisa?
I-mortgage luhlobo lwemali mboleko apho umhlaba othengiswayo usetyenziswa njengesibambiso. I-mortgage isoloko isetyenziselwa ukuxhasa ngemali ikhaya okanye ipropathi yotyalo-mali, ngoko akunyanzelekanga ukuba uhlawule yonke imali ngaphambili. Umboleki ubuyisela imali-mboleko, kunye nenzala kunye nenqununu, ngexesha lexesha ngokusebenzisa uchungechunge "lokubuyisela." Umbolekisi udla ngokudweliswa kwitayitile yepropathi de lowo ubolekayo ayibuyisele ngokupheleleyo imali mboleko.
Izinga elimiselweyo: Olu luhlobo lwemali-mboleko apho inzala yemali-mboleko imiselwa ixesha elithile, ngokuqhelekileyo phakathi konyaka omnye ukuya kwemihlanu. Ke ukuba iireyithi zombolekisi ziyenyuka okanye ziyehla, uya kuhlawula kwaezo ntlawulo zemboleko-mali mboleko kulo lonke ixesha lereyithi emiselweyo.
I-mortgage yezinga elimiselweyo lolona khetho lufanelekileyo kubantu abafuna ukwenza uhlahlo lwabiwo-mali ngokukhuselekileyo. Isenokuba lukhetho olulungileyo kubathengi abaqalayo ukuziqhelanisa nendlela yokubuyisela imali-mboleko, kunye nabatyali-mali abafuna ukuqinisekisa ukuhamba kwemali okuqinisekileyo kunye nokuqhubekayo kwiipropati zabo zotyalo-mali.
Jumbo Mortgage
Kunokubakho iindidi ezididayo zokubolekwa kwezindlu, kodwa kuninzi lwabathengi bezindlu, ngokwesiqhelo, inye kuphela. Imali-mboleko yeminyaka engama-30 yexabiso elimiselweyo yinto eqhelekileyo yaseMelika, i-apile pie yezixhobo zemali. Yindlela izizukulwana zabantu baseMelika abaye bayithatha ukuze babe nekhaya labo lokuqala
I-mortgage ayikho ngaphezu kohlobo oluthile lwemali mboleko yexesha, eqinisekisiwe yi-real estate. Kwixesha lemali-mboleko, lowo ubolekayo uhlawula inzala ebalwa ngonyaka ngokuchasene nentsalela eseleyo yemali mboleko. Zombini inzala kunye nesavenge senyanga zimisiwe.
Ekubeni intlawulo yenyanga imisiwe, inxalenye eya kukuhlawula inzala kunye nenxalenye ehambayo yokuhlawula inqununu iyatshintsha ngokuhamba kwexesha. Ekuqaleni, ngenxa yokuba ibhalansi yemali-mboleko iphezulu kakhulu, ininzi yentlawulo yenzala. Kodwa njengoko ibhalansi iba yincinci, inxalenye yenzala yentlawulo ihla kwaye inxalenye eyintloko inyuka.
Imali-mboleko yexesha elifutshane ithwala intlawulo ephezulu yenyanga, yenza ukuba imali-mboleko yeminyaka eyi-15 ibonakale ifikeleleka kangako. Kodwa ixesha elifutshane lenza ukuba imali-mboleko ingabizi kakhulu kwiinkalo ezininzi. Ngapha koko, kubomi bemali-mboleko, i-mortgage yeminyaka engama-30 iya kugcina ixabisa ngaphezulu kokuphindwe kabini kunokhetho lweminyaka eyi-15.
