Ngaba likhadi letyala eliguquguqukayo okanye elizinzileyo?
Emva kwayo yonke into eyenzekileyo kwezopolitiko nakwezoqoqosho kule minyaka idlulileyo, kunzima ngakumbi kunangaphambili ukuqikelela ukuba yintoni enokwenzeka. Oku kushiya ababoleki benokhetho olunzima xa kufikwa kwinkxaso-mali yokubambisa: ngaba kungcono ukwamkela ireyithi eguquguqukayo yexesha elifutshane kunye neendleko eziphantsi zenyanga, okanye ukuhlawula ngaphezulu uxolo lwengqondo oluhambelana nesantya esisisigxina sexesha elide? Ngezantsi sihlalutya iinketho ezahlukeneyo ukugqamisa umahluko wabo ophambili kunye neenzuzo zabo ezinokwenzeka.
Ngokungxamisekileyo, umbono wokutshixa imali yokubambisa uya kubhenela kubaboleki abafuna ukuhlala belawula uhlahlo lwabiwo-mali lwabo. Oku kungenxa yokuba izinga lenzala liyafana kwithuba elithile lexesha, ngokwesiqhelo phakathi kweminyaka emibini ukuya kwelishumi. Ngoko ke, iintlawulo zokubuyisela ziyafana nyanga nganye, oku kuthetha ukuba akukho mfuneko yakukhathazeka malunga nefuthe lokunyuka kwenzala ngexesha lezinga elimiselweyo.
Ababolekisi badla ngokunikezela ngenzala ephantsi yemilinganiselo emiselweyo yexesha elifutshane kunye nezinga eliphezulu leentengiso zexesha elide: iindleko ezongezelelweyo ngaphambili kwizinga elimiselweyo lexesha elide zithengela umboleki uxolo lwengqondo ixesha elide.
Izinto ezingeloncedo kwintlawulo yemali-mboleko emiselweyo
Iimali zokubolekwa kwezindlu eziguquguqukayo ngokuqhelekileyo zibonelela ngamaxabiso aphantsi kunye nokuguquguquka okungakumbi, kodwa ukuba iireyithi ziyenyuka, unokugqiba ukuhlawula ngaphezulu ekupheleni kwekota. Iimali mboleko ezimiselweyo zinokuba namaxabiso aphezulu, kodwa ziza nesiqinisekiso sokuba uya kuhlawula isixa esilinganayo nyanga nganye ngalo lonke ixesha.
Nanini na xa kukhontrakthi yokuboleka imali, enye yeendlela zokuqala kukwenza isigqibo phakathi kweereyithi ezimiselweyo okanye eziguquguqukayo. Kulula ukuba sesinye sezona zigqibo zibalulekileyo onokuthi uzenze, njengoko ziya kuchaphazela iintlawulo zakho zenyanga kunye neendleko zizonke zemboleko yakho ngokuhamba kwexesha. Nangona kusenokuhenda ukuhamba nelona zinga liphantsi linikezelwayo, akulula kangako. Zombini ezi ntlobo zemboleko zineenzuzo kunye neengxaki zazo, ngoko ke kufuneka uqonde ukuba i-fixed-rate kunye ne-variable-rate-rertgages isebenza njani ngaphambi kokuba wenze isigqibo.
Kwiimali mboleko ezimiselweyo, inzala iyafana kulo lonke ixesha. Ayinamsebenzi nokuba inzala iyenyuka okanye iyehla. Inzala yemali-mboleko yakho ayiyi kutshintsha kwaye uya kuhlawula isixa esifanayo ngenyanga nganye. Ixabiso lemali ebolekwayo lihlala linenzala ephezulu kunemali ebolekayo kuba iqinisekisa iqondo elingaguqukiyo.
Inzala eguquguqukayo
Sonke siyazi ukuba amazinga enzala e-Australia asanda kufikelela kwelona nqanaba lisezantsi kwimbali. Ngaphandle koku, abahlalutyi kunye neengcali zezoqoqosho ziqikelela ukuba amazinga anganyuka kulo nyaka. Ke ukuba ufuna ukuthatha ithuba lenzala ephantsi kwaye awuqinisekanga ukuba kufuneka ukhethe ireyithi emiselweyo okanye eguquguqukayo, siyakucacisa ukuba zahluke njani kwaye sikuxelele ukuba uMark Bouris kunye nomhlalutyi ophambili wezoqoqosho uStephen Koukoulas kufuneka benze ntoni. Xela malunga nokhetho lwakho.
Imali-mboleko yemali-mboleko esisigxina yimali mboleko yemali-mboleko enenzala engatshintshiyo kangangexesha elithile. Oku kubonelela ngokhuseleko lwembuyekezo kwaye kuthetha ukuba nokuba amazinga enzala e-Australia ayenyuka, izinga lenzala kunye neentlawulo kwimali-mboleko yakho yemali-mboleko iya kuhlala injalo. Oko kulungile kuhlahlo lwabiwo-mali. Kubalulekile ukuqaphela ukuba ixesha "elisisigxina" asiloxesha lemali mboleko, kodwa lixesha lokuqala ekuvunyelwene ngalo elidla ngokuba ngu-1 ukuya kwiminyaka emi-5. Emva kokuba ixesha elimiselweyo lidlulile, kuya kufuneka uphinde usebenzise ireyithingi entsha okanye uye kwireyithi eguquguqukayo, njengoko isantya sakho siya kubuyela ngokuzenzekelayo kuguquko. Imali-mboleko yemali-mboleko yemali-mboleko ithande ukuba bhetyebhetye kancinci. Kunokuba nzima kakhulu ukwenza utshintsho, ngoko ke ukhetho olufana nolwakhiwo olukhulu olongezelelweyo, ukufikelela ekwabiweni kwakhona, ukusebenza kweakhawunti yembuyekezo, okanye ukuxhasa ngemali kwakhona ngexesha elimiselweyo kunokungafumaneki, kunokuthintelwa, okanye kungabiza.
I-mortgage iyaguquguquka okanye ilungisiwe
Ekubeni inzala iyafana, uya kuhlala uyazi xa uya kuhlawula imali yakho yokubolekwa kwezindlu Kulula ukuyiqonda ngaphezu kwe-mortgage yezinga eliguquguqukayo Uya kuqiniseka ukuba uyazi ukuba uhlahlo lwabiwo-mali lwentlawulo yakho ye-mortgage Ireyithi yenzala yokuqala idla ngokuba ngaphantsi kwe-A. Intlawulo esezantsi esezantsi inokukunceda ukuba ufumane imali mboleko enkulu Ukuba inqanaba lenqununu liyehla kwaye nenzala yakho iyehla, iintlawulo zakho ezininzi ziya kwinqununu.
Izinga lenzala lokuqala lidla ngokuba phezulu kunelo lentlawulo yemali-mboleko eguquguqukayo. Izinga lenzala lihlala lizinzileyo kulo lonke ixesha lokubambisa. Ukuba uyasaphula imali yokubambisa ngaso nasiphi na isizathu, izohlwayo ziya kuba phezulu kunentlawulo yemali-mboleko eguquguqukayo.
