Isibali-mali seMali-mboleko-kwixabiso
Abanini bezindlu abane-80% ye-loan-to-value ratio akufuneki bahlawule i-inshurensi ye-mortgage yangasese (PMI). Kwaye ngokuqhelekileyo banelungelo lokuthoba inzala. Ke ngoko, ukwenza intlawulo ephantsi kunye nokufezekisa umlinganiselo wemali-mboleko-kwixabiso le-80% okanye ngaphantsi kuneenzuzo ezininzi.
Ukubala umlinganiselo wemali-mboleko-kwixabiso kulula. Konke okufuneka ukwenze kukuthatha imali-mboleko kwaye uyahlule ngexabiso lokuthenga okanye, ukuba yi-refinance, yahlule ngexabiso eliqikelelweyo. Emva koko phinda-phinda nge-100 ukufumana umlinganiselo wemali-mboleko-kwixabiso.
I-LTV eqhelekileyo; i-CLTV, edibanisa imali-mboleko yakho yokuqala kunye nesixa osikhuphileyo kwimali-mboleko yakho yesibini; kunye ne-HCLTV, eqwalasela yonke ibhalansi yemali-mboleko yakho yokuqala neyesibini, kungakhathaliseki ukuba yimalini oyirhoxisileyo.
Ngokomzekelo, inkqubo yemali mboleko ye-FHA ethandwayo ivumela intlawulo ephantsi ye-3,5% kuphela. Kuyafana nokuthi le nkqubo inobuninzi be-LTV ye-96,5%, kuba ukuba wenza i-3,5% yentlawulo ephantsi, eyona nto unokuboleka ngayo yi-96,5% yexabiso lekhaya.
Kwimali-mboleko yendlu, umlinganiselo we-80% wemali-mboleko-kwixabiso ufanelekile kuba unciphisa umngcipheko wokuba umbolekisi aphulukane nemali ukuba umboleki uyasilela. Yiyo loo nto abathengi bezindlu abane-20% phantsi kunye ne-80% yomlinganiselo wemali-mboleko-kwixabiso bafumana izinto ezikhethekileyo, njengokuphepha i-inshurensi yokubambisa.
Umlinganiselo wemali-mboleko-kwixabiso
Ababolekisi babeka ixabiso eliphezulu kumlinganiselo wemali-mboleko-kwixabiso xa bevavanya isicelo sakho semali-mboleko. Okona kusezantsi kwe-LVR, kokukhona usezantsi umngcipheko ebhankini, ngoko ke unokufumana inzala engcono ngemboleko-mali ephantsi ye-LVR.
Amanye amaqumrhu aya kusebenzisa i-desktop appraisal (i-AVM okanye eyenziwe ngekhompyutha) okanye uvavanyo oluqingqiweyo (i-drive-through appraisal), endaweni yovavanyo olupheleleyo olubiza imali eninzi noludla ixesha olufuna uhlolo olubonakalayo lwepropathi.
Umlinganiselo wemboleko-mali wexabiso (LVR) oza kuvunyelwa ziibhanki ukuba uwufumane uxhomekeke kwisixa semali mboleko yendlu oyidingayo, indawo ekuyo ipropathi yakho, imbali yakho yetyala kunye nohlobo lwemali-mboleko oyenzela isicelo.
» …Ukwazile ukusifumana ngokukhawuleza kunye nobuncinci bengxabano kwimali-mboleko ngexabiso elifanelekileyo lenzala xa abanye besixelela ukuba kuya kuba nzima kakhulu. Ndichukumiseke kakhulu yinkonzo yabo kwaye ndingacebisa kakhulu iiNgcali zeMali mboleko kwixa elizayo”
“… benze isicelo kunye nenkqubo yolungiso lwaba lula kakhulu kwaye bangenaxinzelelo. Banikezela ngolwazi olucacileyo kwaye bakhawuleza ukuphendula kuyo nayiphi na imibuzo. Bezicace kakhulu kuzo zonke iinkalo zenkqubo.”
40 ltv mboleko yezindlu
Ngokusisiseko, umlinganiselo wemali-mboleko-kwixabiso (LTV) licala lentlawulo ephantsi, kucingwa ukuba ixabiso lokuthenga lilingana nexabiso eliqikelelweyo lekhaya. Ukuba unikezela nge-20% phantsi, i-LTV yakho ngama-80%. Ukuba kukho umahluko phakathi kwexabiso eliqikelelweyo kunye nexabiso ovumelene ngalo ukulihlawula, umbolekisi uya kusebenzisa inani eliphantsi ukubala i-LTV yakho (imali-mboleko yahlulwe ngexabiso eliqikelelweyo okanye ixabiso lokuthenga). Oku kuyinyaniso nokuba uyathenga okanye uxhasa ngemali. Nge-LTV ye-80% okanye ngaphantsi, uya kulungela ukufumana inzala ephantsi kunye nemimiselo evumayo. Ungathatha amanyathelo amaninzi ukuthoba i-LTV yakho, njengokusebenza nomcebisi wezezimali ukwandisa ukonga kwakho kwaye wenze intlawulo enkulu.
Umlinganiselo wemali-mboleko-kwixabiso (LTV) yipesenti yexabiso lekhaya eliqikelelweyo (okanye ixabiso lokuthenga, ukuba liphantsi) elibolekiweyo. Ukubala umlinganiselo wemali-mboleko-kwixabiso, thatha isixa semali-mboleko yakho kwaye uyahlule ngexabiso lokuthenga okanye ixabiso eliqikelelweyo lekhaya, nokuba yeyiphi na encinci. Emva koko phinda-phinda nge-100 ukuguqula umlinganiselo kwipesenti.
Yintoni umlinganiselo ofanelekileyo wemali-mboleko-kwixabiso lokubuyisela imali?
Impendulo emfutshane yeyokuba umlinganiselo wemali-mboleko-kwixabiso linani ababolekisi ngalo abasoloko belisebenzisa njengendlela yokuvavanya nawuphi na umngcipheko onokuthi ubekhona ekwenzeni imali-mboleko. Ukuthathela ingqalelo oku, inzala yemali-mboleko yemali-mboleko yezindlu nayo ixhomekeke kuluhlu olubanzi lwezinto: ireyithi yokuqala, amanqaku etyala, imida yetyala, umbolekisi ngamnye, njl. – apho i-LTV yenye yezona zisetyenziswa kakhulu kwaye zibalaseleyo.
Umlinganiselo wemali-mboleko-kwixabiso linani (elichazwa njengepesenti) elilinganisa ixabiso eliqikelelweyo lendlu ofuna ukuyithenga ngokunxulumene nesixa semali mboleko ofuna ukuyicela. Ihlala isetyenziswa ngababolekisi kwintengiselwano ye-real estate ukubona ukuba ufanelekile na ukubolekwa imali.
Enyanisweni, umlinganiselo wemali-mboleko-kwixabiso uthelekisa isixa semali mboleko olindele ukuyifumana kwixabiso lendlu. Ababolekisi basebenzisa umlinganiselo wemali-mboleko-kwixabiso ukumisela umngcipheko abanokuwuthatha ukuba bagqibe ukukunika imali-mboleko, kunye nokugqiba ukuba yeyiphi na imali-mboleko onokuthi uyifumane ngokusekelwe kwisixa sentlawulo ephantsi okanye i-equity onayo ekhaya. Umgca ongezantsi: Ixabiso lemali-mboleko-kwixabiso elisezantsi (LTV), umngcipheko omncinci wokubambisa ubonwa ngababolekisi abanokubakho. Ke ngoko, ukuba nomlinganiselo ophantsi wemali-mboleko-kwixabiso kunokuphucula amathuba akho okufumana imali-mboleko ekhuphisanayo.
