Imirhumo ye-Mortgage Broker
Uvunywa kwangaphambili kwimali mboleko ukuze ufumane ikhaya lamaphupha akho. Emva koko ubeke intlawulo ephantsi, uqokelele imali yokubambisa, uhlawule umthengisi, kwaye ufumane izitshixo, akunjalo? Hayi ngokukhawuleza. Ezinye iindleko kufuneka zithathelwe ingqalelo. Ezi ndleko zokuvalaIvula ifestile evelelayo. kunye neendleko ezongezelelweyo zinokuchaphazela unikezelo lwakho, isixa sentlawulo yakho ephantsi kunye nesixa semali mboleko ofanele ukuyifumana. Bambalwa kuphela abazikhethelayo, ngoko qaphela ezi ndleko kwasekuqaleni.
Emva kokuba ufumene ipropati, kufuneka wazi yonke into malunga nendlu, okulungileyo nokubi. Ukuhlolwa kunye nezifundo zinokutyhila iingxaki ezinokuchaphazela ixabiso lokuthenga okanye ukulibaziseka okanye ukumisa ukuthengisa. Ezi ngxelo zikhetho, kodwa zinokukunceda ugcine imali kwixesha elide.
Phambi kokuba wenze isithembiso kwipropati, yenza uhlolo lwendluIvula ifestile ephumayo Umhloli wendlu ujonga ukuba yonke into esendlwini ikwimeko elungileyo yokusebenza. Ukuba uphahla lufuna ukulungiswa, uya kufuna ukwazi ngoko nangoko. Ukuhlolwa kwekhaya kukunceda wenze isigqibo esinolwazi malunga nokuthenga ikhaya. Ngelo xesha, unokuhamba kwaye ungajongi ngasemva.
Intsingiselo yeendleko zokuvala
Ababolekisi-mali bafunwa ngumthetho ukuba babonelele ngentelekelelo yemali-mboleko phakathi kweentsuku ezi-3 zokusebenza emva kokufumana isicelo sakho. Uqikelelo lunika uluhlu olucacileyo lwezinto onokuzilindela kwiindleko zokuvala. Olu xwebhu ludizo lwe-TILA-efunekayo yombolekisi obonelela ngoqikelelo oluthembekileyo lweendleko zemboleko.
Ukongeza, uya kufumana i-Diclosure yokuvala 3 iintsuku zokusebenza ngaphambi kokuvalwa, okuya kukubonelela ngeendleko zangempela ze-mortgage kwaye kukunike ixesha lokuphikisa nakuphi na ukungangqinelani ngaphambi kokuvalwa.
Uluhlu lweendleko zokuvala ezihlawulwe ngumthengi ngokuqinisekileyo lude, kodwa umthengisi udla ngokuhlawula ikhomishini ye-arhente yezindlu, edla ngokuba yi-6% yexabiso lokuthenga. Ke, kwiimeko ezininzi, abathengisi bahlawula kakhulu okanye mhlawumbi ngaphezulu kwabathengi. Iindleko zokuvala zihlawulwa ngemali xa kuvalwa.
Njengoko sesitshilo, uluhlu lufutshane kodwa lunamandla: ikhomishini ye-arhente yezindlu. Xa besayina kunye ne-arhente yezindlu, kufuneka bachaze ikhomishini yabo, kodwa abathengisi banoxanduva lokuhlawula i-arhente yomthengi ngokwesivumelwano sabo. Ekubeni ihlawulwa ngokubanzi kwimali efunyenwe kwintengiso, kaninzi ayibuhlungu kakhulu kubathengisi kunokuba injalo kubathengi ukuba bazinze xa kuvalwa.
Ikhatyhuleyitha yeendleko zokubambisa
Iindleko zokuthenga ikhaya zinokudibanisa ngokukhawuleza. Nangona kulula ukungahoywa, kubalulekile ukuqwalasela imirhumo kunye neendleko xa uthenga ikhaya. Siza kuhlalutya iindleko kunye neekomishini ukuba bonke abo bathenga ikhaya okokuqala kufuneka bazi.
Njengomntu othenga ikhaya okokuqala, kulula ukungayijongeli phantsi yonke indleko yokuthenga indawo oza kuyibiza ngokuba likhaya. Kuya kufuneka uqwalasele kungekuphela nje iindleko zokuqala zokugqiba ukuthenga, kodwa kunye neendleko eziqhubekayo oza kujongana nazo njengomnini.
Njengomthengi wekhaya lokuqala, eyona nkcitho inkulu idla ngokuba yintlawulo ephantsi. Yintlawulo yokuqala ebalulekileyo oyenzayo xa uthenga ikhaya. Intlawulo ephantsi ibalwa njengepesenti yexabiso lokuthenga ikhaya elitsha. Umzekelo, ukuba uthenga i-$200.000 yekhaya kwaye ufuna ukubeka phantsi i-10%, kuya kufuneka ubeke i-$ 20.000 xa uvala. Intlawulo ephantsi ilindeleke xa i-mboleko ivala.
Uninzi lwabathengi bokuqala bakholelwa ukuba abanakuthenga ikhaya ngaphandle kokuba babeke i-20% phantsi. Oku akuyomfuneko: kunokwenzeka ukuthenga indlu ngexabiso elincinci njenge-3% yentlawulo yemali mboleko eqhelekileyo. Ezinye iimali-mboleko ezixhaswa ngurhulumente zide zibe ne-0% yemfuneko yokuhlawula phantsi. Nangona kunjalo, ukwenza intlawulo ephantsi enkulu kunezinye iingenelo:
Amazinga e-Mortgage e-UK
Uyakwazi ukuthetha-thethana njengenxalenye yesivumelwano sakho sokuthenga ukuba umthengisi wepropati uya kuhlawulela ezinye okanye zonke iindleko zakho zokuvala (kuxhomekeke kuhlobo lwemali mboleko oyenzayo), kodwa akwenzi buhlungu ukulungiselela. uziqonde.
Ngokubanzi, unokulindela iindleko zokuvala zibe phakathi kwe-2-6% yexabiso lokuthenga. Ekubeni ilizwe ngalinye lineemfuno ezahlukeneyo, ezinye zezinto ezidweliswe ngezantsi azinakusebenza kwimeko yakho ethile. Izinto ezifana neerhafu zotshintshelo, i-inshurensi yokubambisa, kunye ne-inshurensi yetayitile ayizondleko zomgangatho othe tyaba. Qiniseka ukuba ubuza igosa lakho lemali-mboleko ngolwazi oluthe vetshe ngezi zinto.
Le yimirhumo enxulumene nesiqinisekiso sokuba umthengisi wepropati unokutshintshela itayitile (isiqinisekiso) kwipropati kuwe ngaphandle kokukunika naziphi na iikhonkco okanye imiba ekwadityaniswe nepropati. Ikwakhusela umbolekisi kwiingxaki. Ezi ntlawulo ziquka imali yokukhangela isihloko kunye nemali ye-inshurensi yetayitile. Iintlawulo zetayitile zikwabandakanya iindleko zokubhalisa indawo yakho enkundleni emva kokuvala, kunye nokusetyenziswa kwegosa lommeli woluntu ukuze lingqinele utyikityo lwakho olusemthethweni kumaxwebhu akho okuvala. Ukuba usebenzisa igqwetha okanye inkampani yokuhlawula ityala ukuze ikuncede xa uvala, kuya kufuneka ubahlawule ngokuthatha kwabo inxaxheba.
