I-100% yenkxaso-mali ye-mortgage mboleko kumthengi wokuqala
Kwiimali ezininzi zokubolekwa kwezindlu, uhlawula ipesenti yexabiso lekhaya ngaphambili (idiphozithi), kwaye umbolekisi uhlawula enye (i-mortgage). Umzekelo, kwi-80% ye-mortgage, kuya kufuneka ubeke i-20% yediphozithi.
Umqinisekisi wakho unokufaka imali kwi-akhawunti yokulondoloza kunye nombolekisi we-mortgage, ngokuqhelekileyo i-10-20% yexabiso lekhaya. Iya kuhlala apho iminyaka emiselweyo. Ngeli xesha, i-guarantor ayiyi kukwazi ukurhoxisa nayiphi na imali.
Xa une-100% ye-mortgage, usemngciphekweni wokungena kwimeko ye-equity engalunganga. Ukuba oku kuyenzeka, kunokubangela iingxaki ukuba ufuna ukuboleka imali okanye ukuhambisa izindlu. Ungaphela uvaleleke kumyinge oguquguqukayo oqhelekileyo wombolekisi wakho kwaye uhlawule ngaphezulu kunokuba ubuya kwenza ngomnikelo okhuphisanayo ngakumbi.
Ewe, kukho abanye ababoneleli bemali-mboleko abaya kukuvumela ukuba ube nediphozithi yethutyana. Idla ngokuba yi-10% yexabiso lekhaya, ekufuneka linikezelwe ngumqinisekisi, njengomzali okanye isizalwane.
Ngediphozithi yethutyana, imali ifakwa kwi-akhawunti yokulondoloza ekhethekileyo ixesha elimiselweyo. Idla ngokuba lixesha ekufuneka umthengi alithathe ukuhlawula isixa-mali semali mboleko esikwi-akhawunti yokonga.
I-100% yenkxaso-mali
I-100% yemali-mboleko ye-mortgage ye-mortgage yi-mortgages exhasa ixabiso elipheleleyo lokuthenga ikhaya, ukuphelisa imfuno yentlawulo ephantsi. Abathengi abatsha nabaphindayo bafanele ukufumana i-100% yenkxaso-mali ngeenkqubo ezixhaswa ngurhulumente wesizwe.
Emva kophononongo oluninzi, iibhanki kunye namaziko abolekisa ngemali afumanise ukuba okukhona iphezulu intlawulo yemali-mboleko, ayancipha amathuba okuba lowo ubolekayo angabhatalwa. Ngokusisiseko, umthengi onemali eninzi yezindlu nezindlu unendima enkulu kumdlalo.
Yiyo loo nto, kwiminyaka eyadlulayo, isixa sentlawulo esisezantsi sibe ngama-20%. Nantoni na engaphantsi kwaleyo ifuna uhlobo oluthile lwe-inshurensi, njenge-inshurensi ye-mortgage yangasese (PMI), ukuze umbolekisi afumane imali yakhe ukuba umboleki akaphumelelanga kwimboleko.
Ngethamsanqa, kukho iinkqubo apho urhulumente abonelela nge-inshurensi kumbolekisi, nokuba intlawulo ephantsi kwimali-mboleko ingu-zero. Ezi mboleko zixhaswa ngurhulumente zinika enye indlela yokuhlawula i-zero down kwi-mortgages eqhelekileyo.
Ngelixa iimali mboleko ze-FHA zifumaneka phantse kuye nabani na ohlangabezana nemigaqo, udinga imbali yenkonzo yasemkhosini ukuze ulungele ukubolekwa kwe-VA kwaye kufuneka uthenge kwindawo yasemaphandleni okanye edolophini kwi-USDA. Imiba yokufaneleka ichazwa kamva.
I-100% yenkxaso-mali ye-mortgage evela kwimanyano yamatyala
I-100% ye-collateralized mortgages sele ikhona ngaphambili kwisiqithi kubathengi bokuqala abanamaqela esithathu (njengabazali okanye izalamane) abazimisele ukusebenza njengabaqinisekisi kwiimali ezibolekiweyo. Ababolekisi abanikezela ngolu hlobo lwemveliso bafuna abaqinisekisi ukuba banike isibambiso esongezelelweyo kubafaki-zicelo ukuhlangabezana neekhrayitheriya ezifunekayo. Ngelishwa, ezi ntlobo ze-mortgages azibonelelwa ngoku ngabaphi na ababoneleli bendawo, kodwa sinethemba lokuba ziya kubuyiselwa kwixesha elizayo.
Ukuba unomdla wokufunda ngakumbi malunga neendlela ezizezinye zokubambisa, thetha nathi kwiVenkile ye-Mortgage. Iqela lethu elinobubele leengcaphephe ezizimeleyo linokukucebisa malunga nokufaneleka kwakho, iinkcukacha ngeemfuno ezinxulumeneyo, kwaye ukhangele ezona zikhetho zibalaseleyo onokuzifumana.
Indlela yokufumana imali mboleko yendlu
Awunayo idiphozithi yokufumana imali mboleko? Ungaboleka nge-100% yemali-mboleko-kwixabiso le-mortgage okanye akukho mali yokuboleka imali. Esi sibonelelo sinqabile kakhulu kwimarike, apho uninzi lwababolekisi bafuna okungenani i-5% yediphozithi. Bambalwa kakhulu ababolekisi base-UK abamkela izicelo zokuboleka imali.
Iimali-mboleko ezine-100% yemali-mboleko-kwixabiso lomlinganiselo zikwabizwa ngokuba yimali-mboleko ekhuselekileyo, kwaye ilungele abathengi bokuqala. Abantu abafuna ukuboleka imali emva koqhawulo-mtshato nabo bafumana le mveliso iluncedo kwizinto zabo zemali.
Ngale nkqubo, ababoleki banokufumana inani elipheleleyo elifunekayo ekuthengeni ikhaya, kodwa ngaphandle kwediphozithi. Nangona kunjalo, kufuneka balandele iimfuneko ezingqongqo zokufaka isicelo, kwaye ezo ndlela ziyahluka phakathi kwababolekisi.
Kufuneka ucinge kwakhona ukuba awukwazi ukubeka phantsi nayiphi na imali ukuze ufumane imali mboleko. Ezinye iibhanki kunye nababolekisi banezibonelelo ze-mortgage ezingaphantsi kwe-100%, ngakumbi kubathengi bokuqala. Oku kuthetha ukuba ungathenga indlu yakho entsha ngokukhululeka ngaphandle kwesidingo sediphozithi, kodwa kufuneka ube nenye yezi nkxaso:
