UmGangatho oguquguqukayo weRate ye-Mortgage
Njengoko iindleko zokuphila ziqhubeka nokunyuka, ukunyuka kwamva nje kumazinga esiseko kufika ngexesha elibi kakhulu kubaboleki abangenalo ukhuphiswano. Inzala yemali-mboleko iye yanyuka kwiinyanga zamva nje kwaye le ntshukumo yamva nje inabathengi abavavanya unikezelo lwabo lwangoku ukuze babone ukuba banokutshintsha kwaye bagcine imali ethile kwiintlawulo zabo zenyanga. Umnqweno wokutshixa ixesha elide usenokuba sezingqondweni zababoleki abaziyo ukuba amaxabiso alindeleke ukuba anyuke nangaphezulu kwaye kukho ne-10 yeminyaka yokubambisa emiselweyo ekufuneka iqwalaselwe.
Ababoleki abatshintshela kumlinganiselo omiselweyo wokhuphiswano ukusuka kumlinganiselo oguquguqukayo oqhelekileyo (SVR) banokuthoba kakhulu iintlawulo zabo zokubambisa. Umahluko phakathi komyinge we-avareji ye-mortgages esisigxina yeminyaka emibini kunye ne-SVR imele kwi-1,96%, kwaye ukugcinwa kweendleko ukusuka kwi-4,61% ukuya kwi-2,65% kubonisa umahluko we-5.082 pounds kwiminyaka emibini * malunga. Ababoleki abaye bagcina i-SVR yabo ukususela ngaphambi koDisemba kunye noFebruwari ukunyuka kweereyithi banokubona i-SVR yabo yonyuka ukuya kuthi ga kwi-0,40%, njengoko malunga nesibini kwisithathu sababolekisi baye bandisa i-SVR yabo ngandlela-thile, esi sigqibo samva nje sinokubangela ukuba ukubuyisela imali kunyuke. nakaninzi. Enyanisweni, ukunyuka kwe-0,25% kwi-SVR yangoku ye-4,61% kunokongeza malunga ne-£689* kwi-instoll yenyanga iyonke kwiminyaka emibini.
Inzala yemali-mboleko
Uninzi okanye zonke izinikezelo kule ndawo zivela kwiinkampani apho abangaphakathi babuyekezwa (uluhlu olupheleleyo, bona apha). Iingqwalaselo zentengiso zinokuphembelela indlela kunye nalapho iimveliso zivela khona kule ndawo (kubandakanywa, umzekelo, ukulandelelana kwazo), kodwa azichaphazeli naziphi na izigqibo zokuhlela, ezifana nokuba zeziphi iimveliso esibhala ngazo kunye nendlela esizivavanya ngayo. I-Personal Finance Insider iphanda uluhlu olubanzi lweentengiso xa usenza iingcebiso; nangona kunjalo, asiqinisekisi ukuba ulwazi olunjalo lumele zonke iimveliso okanye unikezelo olukhoyo kwimarike.
Inzala yemali-mboleko emiselweyo yeminyaka engama-30 iye yajikeleza malunga ne-5% kangangeeveki ezininzi, nto leyo ebonisa ukuba amaxabiso anokunyuka kwaye ahleli kumanqanaba akhoyo. kunalo nyaka uphelileyo. Njengoko imarike izama ukuzinza kumanqanaba aphezulu, imfuno yomthengi iye yathamba njengoko abathengi bevavanya ukufikeleleka, utshilo uRobert Heck, usekela mongameli we-mortgages eMorty. "Oko kuthethiweyo, izinto ziyahluka kakhulu ukusuka kwimarike ukuya kwintengiso kwaye imeko ye-inventri ihlala imbi kwiindawo ezininzi, ezinokuqhubeka nokuqhuba imfuno."
Izinga eliguquguqukayo eliqhelekileyo le-TSb
Ungasebenzisa umsebenzi wokukhangela ukufumana uluhlu olubanzi lwezinto eziphathekayo kwizemali zase-UK, ukusuka kwiimpendulo kwimibuzo ukuya kubunkokeli bengcinga kunye neeblogi, okanye ukufumana umxholo kuluhlu lwezihloko, ukusuka kwiintengiso kunye neemarike ezinkulu ukuya kwiintlawulo kunye nokutsha.
IBhanki yaseNgilani yanamhlanje inyuse izinga lenzala yebhanki nge-0,15 yepesenti ukuya kwi-0,25% inokushiya abathengi becinga malunga nokuba oku kunyuka kuya kuchaphazela njani imali yabo yemali-mboleko. Ngenxa yokuba umninimzi oqhelekileyo une-£ 140.000 ye-mortgage yabo ephumayo ukususela ngoJuni ka-2021, kubalulekile ukuqonda ukuba ngubani oza kuchaphazeleka kakhulu zezi ndaba kwaye kangakanani.
Njengoko kubonisiwe kwiTshati yoku-1, imbali yamva nje isixelela ukuba inzala yemali-mboleko yemali-mboleko iye yancipha ngokuthe ngcembe ukuze ibhale phantsi, ngelixa izinga lebhanki liye lahlala lizinzile ngokubanzi. Ukonyuka okuncinci kweReyithi yeBhanki ngo-2017 kunye no-2018, imilinganiselo yemali mboleko ayizange inyuke ngomda ofanayo kwaye ibuyele kwindlela yayo yokuhla ngokukhawuleza emva koko. Ukhuphiswano olomeleleyo kwiimarike kunye nokubonelelwa lula kwenkxaso-mali yehoseyile ibe yimiba ebalulekileyo ekugcineni amaxabiso aphantsi.
Imali-mboleko yeminyaka emi-2 yemali-mboleko emiselweyo evela kwi-Tsb
Zonke iimveliso ezilandelela iBhanki yaseNgilani isiseko sezinga (kubandakanywa naluphi na umlinganiselo olandelwayo) zinezinga elincinci lenzala. Ubuncinci bezinga lenzala esiza kulisebenzisa lizinga lenzala elibekwe esweni. Ukuba iBhanki yaseNgilani izinga lesiseko liwela ngaphantsi kwe-0%, siya kusebenzisa umgangatho wenzala de iBhanki yaseNgilani inyuke ngaphezu kwe-0%.
Ixabiso leBhanki yaseNgilani ihlawulisa ezinye iibhanki kunye nababolekisi xa beboleka imali, kwaye ngoku i-1,00%. Izinga elisisiseko liphembelela amaxabiso enzala athi abaninzi ababolekisi bawabize kwiimali-mboleko, iimali-mboleko, kunye nezinye iintlobo zetyala abalinika abantu. Umzekelo, iireyithi zethu zidla ngokuhla zinyuka ngokusekwe kwireyithi esisiseko, kodwa oku akuqinisekwanga. Ungandwendwela iwebhusayithi yeBhanki yaseNgilani ukufumanisa ukuba ithatha isigqibo malunga nenqanaba lesiseko.
IBhanki yaseNgilani inokutshintsha izinga lesiseko ukuphembelela uqoqosho lwase-UK. Amaxabiso aphantsi akhuthaza abantu ukuba bachithe imali eninzi, kodwa oku kunokukhokelela ekwenyukeni kwamaxabiso, oko kukuthi, ukunyuka kweendleko zokuphila njengoko iimpahla ziba zibiza kakhulu. Amazinga aphezulu anokuba nefuthe elichaseneyo. IBhanki yaseNgilani iphonononga izinga lesiseko se-8 ngamaxesha ngonyaka.
