IKhatyhuleyitha yokuPhucula iRemortgage
Ukuba unako ukuhlawula imali-mboleko yakho kwangoko, uya konga imali kwinzala kwimali-mboleko yakho. Ngapha koko, ukulahla imali mboleko yakho yendlu kunyaka nje okanye emibini kwangoko kunokukongela amakhulu okanye amawaka eedola. Kodwa ukuba ucinga ukuthatha loo ndlela, kuya kufuneka uqwalasele ukuba ngaba kukho isohlwayo sentlawulo yangaphambili, phakathi kweminye imiba enokubakho. Nazi iimpazamo ezintlanu onokuziphepha xa uhlawula imali yakho yokubambisa kwangethuba. Umcebisi wezezimali unokukunceda ukuba ubone iimfuno zakho kunye neenjongo zokubambisa imali.
Abaninimzi abaninzi bangathanda ukuba namakhaya abo kwaye bangabi naxhala malunga neentlawulo zenyanga zindlu. Ke kwabanye abantu kunokuba kufanelekile ukujonga umbono wokuhlawula imali mboleko yakho kwangoko. Oku kuya kukuvumela ukuba unciphise inzala oza kuyihlawula ngexesha lemali-mboleko, ngelixa kukunika ithuba lokuba ngumnini opheleleyo wekhaya ngokukhawuleza kunokuba bekulindelwe.
Kukho iindlela ezininzi ezahlukeneyo zokuhlawula kwangaphambili. Eyona ndlela ilula kukwenza ngokulula iintlawulo ezongezelelweyo ngaphandle kweentlawulo zakho zesiqhelo zenyanga. Logama nje le ndlela ingenzi ntlawulo eyongezelelweyo evela kumbolekisi wakho, ungathumela iitshekhi ezili-13 ngonyaka endaweni ye-12 (okanye i-intanethi elingana nale). Unako kwakhona ukunyusa intlawulo yakho yenyanga. Ukuba uhlawula ngaphezulu kwinyanga nganye, uya kuyihlawula yonke imali-mboleko ngaphambi kokuba ubulindele.
i-mortgage ngaphambili
Umlinganiselo wentlawulo ephantsi yipesenti yexabiso lesibambiso umbolekisi azimisele ukuyiboleka. Uhlobo lwangaphambili lunceda lowo ubolekayo agqibe ukuba loluphi uhlobo lwesibambiso anokuposwa ukuze akhusele isixa-mali esifunekayo semali mboleko kwaye inceda ukunciphisa ukuchanabeka kombolekisi kwilahleko xa esamkela isibambiso esinexabiso lihla linyuka.
Isibambiso sinceda ababolekisi banciphise umngcipheko kwaye babonelele ngenzala efikelelekayo kubaboleki. Ngokumisela inzala kwangaphambili, umbolekisi unokwakha umqamelo kwintengiselwano yokuboleka imali ngokuqinisekisa ukuba ukuba ixabiso lesibambiso liyancipha kwaye ukusilela kwemali mboleko, kusekho ukhuseleko olwaneleyo kwilahleko yenqununu. Ukuba umbolekisi une-75% yezinga elingaphambili kunye nexabiso le-collateral put up yi-100.000 yeedola, ubuninzi bemali-mboleko umboleki angayifumana yi-75.000 yeedola.
Iziqinisekiso zinceda ababoleki ukuba bafumane inzala engcono kwimali-mboleko yabo kwaye kunokwenzeka ukuba babe nemali mboleko enkulu. Ezona ntlobo zixhaphakileyo zesibambiso yi-real estate (kuquka i-equity yezindlu), izithuthi, ii-akhawunti zemali, utyalo-mali, iipolisi ze-inshorensi, iintlawulo zexesha elizayo okanye ii-akhawunti ezifunyanwayo, izinto zexabiso, okanye ipropathi, oomatshini nezixhobo.
Indlela yokufumana imali-mboleko ephezulu kunye nomvuzo ophantsi
Injongo yohlengahlengiso lwemali mboleko yendlu kukunciphisa iintlawulo zomboleki ukuze akwazi ukuyihlawula inyanga nenyanga. Oku kuqhele ukwenziwa ngokuthoba inzala yemali-mboleko okanye ukwandisa ixesha lokuhlawula imali-mboleko.
Gcina ukhumbule ukuba ukuguqulwa kwemali mboleko yenzelwe ukwenza ukuba imali-mboleko ifikeleleke ngakumbi inyanga nenyanga. Kodwa ngokufuthi kubandakanya ukwandisa ixesha lemali-mboleko okanye ukongeza iintlawulo eziphosiweyo kwimali-mboleko, nto leyo enokunyusa isixa semali-nzala ehlawulweyo.
Ukubolekwa ngokutsha kwe-mortgage kunokubuyisela imali-mboleko yokuqala ngentsha kunye nenzala ephantsi kunye/okanye ixesha elide. Oku kunokubonelela ngokucuthwa ngokusisigxina kwiintlawulo zemboleko-mali mboleko ngaphandle kokuchaphazela kakubi amanqaku akho ekhredithi.
“Ngohlengahlengiso lwemali-mboleko, usebenza nebhanki yakho yangoku okanye umbolekisi ukuze ulungise imiqathango yemali-mboleko ekhoyo,” ucacise watsho uDavid Merritt, igqwetha letyala lemali yabathengi noBernkopf Goodman, LLP.
Oko kuthetha ukuba akukho khuphiswano lokwenyani phakathi kohlengahlengiso lwemali-mboleko kunye nokubuyisela imali kwi-mortgage. Inketho yemali-mboleko ekulungeleyo iya kuxhomekeka kwimeko yemali mboleko yakho yangoku, imali yakho yobuqu, kunye noko kwamkelekileyo kumbolekisi wakho wangoku.
Umthwalo wesibini wokubambisa
Unokucela i-Universal Credit kwangaphambili ukuze ikuncede uphumelele ngeli xesha usalinde intlawulo yakho yokuqala. Ungaphinda ucele i-advance ukuba iimeko zakho zitshintshile kwaye ulindele ukuba iintlawulo zakho ze-Universal Credit zinyuke.
Nje ukuba i-DWP iyamkele intlawulo yangaphambili, kufuneka ufumane imali kwiintsuku ezi-3 zokusebenza. Ukuba uyayifuna ngokukhawuleza, yazisa i-DWP, njengoko inokukuhlawula kwangaloo mini ukuba awunayo nayiphi na enye imali yokuphila.
Ungacela ukuya kutsho kwinyanga enye yelungelo lakho kwi-Universal Credit. Akuyomfuneko ukuba ucele ukuphelela kwelungelo lakho, ungacela ngaphantsi. Ukuba uthatha isigqibo sokuba ufuna ngaphezulu, unokucela intlawulo yesibini, kodwa kuya kufuneka uchaze ukuba kutheni uyifuna. Intlawulo yokuqala neyesibini ezidityanisiweyo azinakugqitha kwilungelo lakho lenyanga.
Kungcono ukubuza ngokukhawuleza. Nje ukuba ufake isicelo se-Universal Credit, kuyakuthatha ubuncinane iiveki ezi-5 ukufumana intlawulo yakho yokuqala. Kuya kufuneka ucinge malunga nokuba yimalini na oya kuyidinga de ube yintlawulo yakho yokuqala.
