Ukungakwazi ukubuyisela imali emva koqhawulo-mtshato
Ekubeni i-Mortgage Market Review (MMR) yaziswa ngo-2014, ukufaka isicelo se-mortgage kunokuba nzima kwabanye: ababolekisi kufuneka bahlole ukufikeleleka kwaye bathathele ingqalelo inani lezinto, kuquka iminyaka.
Injongo kukuqinisekisa ukuba abantu abathatha umhlala-phantsi abanamali-mboleko engafikelelekiyo kubo. Kuba imivuzo yabantu ithande ukwehla xa beyekile ukusebenza kwaye baqokelele imali yabo yomhlalaphantsi, iRisk Management Regulations ikhuthaza ababolekisi nababoleki ukuba bahlawule imali yokubambisa ngaphambi koko. Nangona kunjalo, oku akusoloko kusenzeka okanye kusebenzele wonke umntu, kwaye abanye ababolekisi badibanisa oku ngokubeka imida yeminyaka yokubuyisela imali mboleko. Ngokuqhelekileyo, le mida yobudala i-70 okanye i-75, ishiya ababoleki abaninzi abadala kunye neendlela ezimbalwa.
Isiphumo sesibini sale mida yobudala kukuba imimiselo ifinyeziwe, oko kukuthi, kufuneka ihlawulwe ngokukhawuleza. Kwaye oku kuthetha ukuba imirhumo yenyanga iphezulu, enokuthi ibenze bafikeleleke. Oku kukhokelele kwizityholo zocalulo lobudala, ngaphandle kweenjongo ezintle zeRMM.
NgoMeyi ka-2018, u-Aldermore uphehlelele imali yokubambisa onokuthi ube nayo ukuya kuthi ga kwiminyaka engama-99 #JusticeFor100yearoldmortgagepayers. Kwangaloo nyanga inye, uMbutho Wokwakha Iintsapho wandisa ubudala bawo obona buninzi ekupheleni kwelo candelo ukuya kutsho kwiminyaka engama-95. Abanye, ubukhulu becala iinkampani zokubambisa, zibuphelise ngokupheleleyo ubudala obuphezulu. Nangona kunjalo, abanye ababolekisi besitrato esiphakamileyo basanyanzelisa umda weminyaka engama-70 okanye engama-75, kodwa ngoku kukho ukuguquguquka ngakumbi kubaboleki abadala, njengoko kwiLizwe lonke kunye neHalifax bandise umda weminyaka ukuya kuma-80.
Kutheni le nto umbolekisi wemali ebolekwayo efuna uqhawulo-mtshato
Ukuba ukhe waqhawula umtshato, isiqalo esitsha siza nezinto ezintsha ekufuneka uziqwalasele xa uthenga ikhaya okanye uhlaziya imali yakho yokubambisa. Owayesakuba liqabane lakho unokuthenga isabelo sakhe kwikhaya langoku, okuthetha ukuba kuya kufuneka uzifunele ikhaya lakho, okanye uhlale kweli lakho langoku, ufuna ukuxhaswa ngemali.
Xa uqhawule umtshato, zininzi iinguqulelo ezenzekayo. Inokwahlulwa kwigama leqabane lakho. Ukwahlula kunokuba nobuhlobo, kodwa kunokuba nzima. Ngokuxhomekeke kwisivumelwano sakho soqhawulo-mtshato, usenokukhangela ikhaya elitsha.
Ngethamsanqa, akayedwa. Uqhawulo-mtshato lwenzeka yonke imihla. Amacandelo ezindlu kunye nezindlu ezithengiswayo ayakwazi oku. Sebenza ne-REALTOR® okanye i-ejenti yendawo yokuhlala eqonda amava kunye neemfuno zakho xa kuziwa kwikhaya elitsha.
Ngokubhekiselele kumthombo wakho wengeniso, ukuba ubungusapho olunemivuzo emibini, ukuphulukana nomvuzo weqabane lakho kuthetha ukuba uya kukufanelekela ukubolekwa imali encinci, ngaphandle kokuba uthenga nomntu osayina kunye okanye iqabane elitsha.
Kukho iindlela zokubuyisela oku. Umzekelo, ukuba ufumana inkxaso yomntwana kunye/okanye i-alimony (kwaye unokubhala ukuba ezi ntlawulo ziya kuqhubeka kangangexesha elithile), ezi zingabalwa kumvuzo wakho ngeenjongo ezifanelekileyo.
Ngubani ohlawula imali-mboleko yoqhawulo-mtshato
Olu khetho luxhomekeke kwizinto ezifana nenani leequity kwikhaya lomlingane, indlela eyathengwa kwaye yabizwa ngayo, ukuba umntu uyafuna na ukuhlala ekhaya, uqhawulo-mtshato, kunye namanqaku ekhredithi abo bonke ababandakanyekayo.
Ukuba awunayo ingeniso yokuhlawula i-mortgage ngokwakho, unokufumanisa ukuba umbolekisi we-mortgage akayi kuvuma imali-mboleko entsha yekhaya elinengeniso enye. Ngaphandle kokuba unokwandisa umvuzo wakho ngokukhawuleza, kusenokufuneka ulithengise ikhaya lomtshato.
Ukuba amanqaku akho etyala ehlile ukusukela oko uthe wathatha imali mboleko yakho yendlu ngoku, usenokungasakwazi ukufumana inkxaso-mali. Uyakwazi ukoyisa inqaku letyala eliphantsi ngokuphinda ukale ngokukhawuleza, kodwa impumelelo usebenzisa loo ndlela ayiqinisekanga.
Umzekelo, ukuba uye wakha ipesenti encinci ye-equity, i-refinance inokuthi ithintele okanye ingafumaneki. Ngethamsanqa, kukho iindlela zokubambisa ezinokukunceda ukuba umelane nokunqongophala kwexabiso le-net.
Noko ke, iqabane eliseleyo limele libonise ukuba belihlawula imali-mboleko yendlu ngokupheleleyo kwiinyanga ezintandathu ezidlulileyo. I-Refinance ye-Streamline ingcono kakhulu kwabo baye bahlukana ubuncinane ixesha elide.
Lirhoxise iqabane kwi-mortgage emva koqhawulo-mtshato
Ukulamla yindlela engabizi kakhulu yokuzama ukusombulula iyantlukwano ngemali nempahla. Xa usiya kulamlo, kuya kufuneka nobabini nigcwalise ifomu yolwazi lwezemali. Ibonisa isixa semali esingenayo kwaye siphuma kwaye sisiqalo esihle seengxoxo.
Usenokukwazi ukuthenga ikhaya leqabane lakho langaphambili ukuze libe lelakho. Nangona kunjalo, nokuba niza kwisivumelwano phakathi kwenu, inkampani ye-mortgage iya kufuna ukwazi ukuba unako na ukuhlawulela intlawulo ye-mortgage ngokwakho.
Kuya kufuneka ubuze inkampani yokubambisa ukuba ikunika imali-mboleko egameni lakho. Nokuba benza njalo, unokukwazi ukufumana isivumelwano esingcono, ngoko ke kufuneka uthethe nomcebisi wemali mboleko okanye wezezimali. Basenokukwazi ukucebisa ezinye izinto onokuzizama.
Ukuba akukho ndlela yokuthenga iqabane lakho langaphambili ngaphandle, ungazama ukwenza enye isivumelwano. Ngokomzekelo, ukuba unabantwana, unokuhlala ekhaya de umntwana wakho omncinane abe neminyaka eyi-18 okanye aphumelele kwisikolo samabanga aphakamileyo. Ukususela kuloo mzuzu, unokuthengisa indlu.
