Ipropati
Kwabanye, ukuhlala kweli lizwe kunomtsalane kakhulu. Uxolo noxolo, indawo eyeyakho, akukho bamelwane baxokozelayo, indalo engqongileyo entle, indlu enkulu, indawo yokuphumla, khulisa abantwana… uludwe luyaqhubeka. Ukuba ucinga ngokuhlala kwi-estate, kuninzi ekufuneka ufunde ukuze uqinisekise ukuba le ndlela yokuphila ilungile kuwe.
Okoko nje ungacwangcisi ukulima okanye ukukhulisa izilwanyana ezithengiswayo, ukuxhasa ngezimali ikhaya lelizwe kuyafana nokuxhasa ngemali ikhaya lasedolophini, kukho umahluko othile ngokwepropati ngokwayo. Kweli nqaku, siza kuxoxa kunye nereferensi:
Imali ebolekayo isoloko ilawula umngcipheko wombolekisi, umngcipheko wokuba uhlawule oko bekuvunyelwene ngako kwaye akufuneki uthabathe i-asethi endaweni yoko. Xa kufikwa kwimali mboleko yezindlu, ababolekisi abafuni ngokwenene ukuhlawula ipropati ngenxa yokuba kuthatha ixesha kunye nomzamo wokukhupha umninimzi ngaphandle kwendlu, ukuyithengisa, kwaye emva koko bayithengise ukuze ekugqibeleni bafumane ( abanye) imali yabo. Kwimeko yezakhiwo zasemaphandleni, kuxhomekeke ekubeni kude kwendawo kunye nemeko yepropati, ixesha lokuthengisa kwimarike linokuba yiminyaka, xa kuthelekiswa nokuthengiswa ngokukhawuleza kwendlu kwindawo yasezidolophini, apho kukho ubuninzi bezindlu. imfuno engaphezulu. Ababolekisi bezindlu zokuhlala abathandi ukulinda iminyaka ukuze bafumane imali yabo kwimali mboleko embi, ngoko banemithetho ekhethekileyo kwiipropati zasemaphandleni ukunciphisa umngcipheko wakho. (Nditsho njalo!)
Indlela yokuthenga indawo yasemaphandleni
Ukuba uthenga umhlaba endaweni yekhaya esele likho kuba ufuna ukwakha ukusuka ekuqaleni, uya kufuna imali mboleko yendlu. Kwaye loo nto ibeka iingxaki ngakumbi kunokufumana imali-mboleko eqhelekileyo. Okokuqala, akukho ndlu yokuyisebenzisa njengesibambiso kwimali-mboleko yomhlaba, kwaye awukwazi (ngokuqhelekileyo) ukuthenga umhlaba ngaphandle kwemali.
Okokuqala, kubalulekile ukucaca malunga nokuba ukuthengwa okunokwenzeka kubandakanya ntoni. Ke ngoko, kubalulekile ukuba abavavanyi bamakishe imida kwaye yonke into ibhalwe phantsi ukuze inikezelwe kumbolekisi. Enye ingcaciso ebalulekileyo kukujonga ucando kunye nezithintelo zokusetyenziswa komhlaba.
Ikwangumbono olungileyo ukujonga nesebe locwangciso lendawo yakho ukufumanisa ukuba ikamva likuphathele ntoni na kwindawo ohlala kuyo. Ipaki entsha ekupheleni kwesitrato inokunyusa amaxabiso epropathi kwiminyaka ezayo, ngelixa uhola wendlela omtsha okanye indawo yokucocwa kwamanzi amdaka ayinakwenzeka ukwenza njalo.
Kwiipasile zokuhlala, ukufikelela kwiinkonzo zoluntu yinto ebalulekileyo. Ukuba namanzi, ugutyulo, umbane kunye noqhagamshelo lwekheyibhile konga ixesha elininzi, imali kunye nobunzima. Ngokufanayo, ukufikelela kwindlela kawonke-wonke kunokuba ngumbandela obalulekileyo, njengoko umthengi kuya kufuneka akhusele indawo yokuphumla esisigxina ukuze afikelele kwindlela kawonkewonke ukuba akakho.
Iindidi zeeMali-mboleko zeFama yoRhwebo
UBarry Swain yi-Mortgage Broker esekelwe kwi-Orange NSW kwaye iya kukunceda ufumane imali oyifunayo kungakhathaliseki ubungakanani bendawo yakho yasemaphandleni. Hayi kwi Orange? Ungaxhalabi. Sinceda abathengi ngeemfuno zabo zenkxaso-mali kulo lonke elaseMidwest kwaye sinokusebenzela abathengi abasuka kwamanye amazwe.
Ngaba ukulungele ukuthatha inyathelo lokuqala kolu hambo lunomdla kwaye ufumane imali mboleko yasemaphandleni? Emva koko singathanda ukukunceda ufezekise amaphupha akho kwaye ukongele ixesha kunye nemali ngaxeshanye. Ukuba ungathanda ukuthetha nochwephesha, umthengisi wendawo yokubambisa malunga nokufumana imali mboleko yasemaphandleni, nceda ucofe iqhosha elingezantsi kwaye uqhagamshelane nathi.
Imali mboleko yendlu kunye neehektare ezingama-40
Inokothusa uninzi lwabahlali basezidolophini baseOntario, kodwa uninzi lwephondo lethu lisemaphandleni. Kubantu baseOntarian abahlala ezilalini kunye nabarhwebi (abanjengawe) ababasebenzelayo, eli candelo lephondo libangela ingxaki: i-Ontario yasemaphandleni likhaya lezona zindlu zintle kunye nezakhiwo ezinokucingelwa. Ifaka umceli-mngeni.
Njengomthengisi we-mortgage, ufuna amaqabane athembekileyo anokubonelela ngezindlu zokubambisa ezihambelana neemfuno zabathengi bakho. Ngobutyebi bethu bamava okubanjiswa kwezindlu zasemaphandleni, iNtsika ikulungele kwaye izimisele ukusebenza nawe ukunceda abathengi bathenge ipropathi yabo efanelekileyo kwilali yaseOntario.
Xa kufikwa kwimboleko-mali yokubambisa, iibhanki ezinkulu zigxile kakhulu kwiindawo zasezidolophini zephondo kwaye zithande ukuba nomdla omncinci wokujongana neepropati zasemaphandleni. Ukuba babonelela ngemboleko-mali, isoloko inezithintelo ezongezelelweyo, umzekelo umlinganiselo ophantsi wemali-mboleko-kwixabiso (LTV) kunento enokufumaneka kwipropathi yasezidolophini.
Kwakhona, iibhanki aziyi kudla ngokuqwalasela ukuboleka ipropati ngequla kunye nenkqubo ye-septic (oko kukuthi, engaqhagamshelwanga kumanzi kamasipala kunye nenkqubo yogutyulo) ngaphandle kokuba lowo ubolekayo unekhredithi engenakulinganiswa nanto.
