Ndingathenga izindlu ezimbini ngexesha elinye?
Kubantu abaninzi, i-mortgage enye imele eyona mboleko inkulu kunye notyalo-mali abaya kuze bayenze, kodwa kukho izizathu ezininzi zokuba kutheni ungafuna ukuthenga ikhaya lesibini, okanye isithathu.
E-UK kukho iindidi ezimbini zokubolekwa kwezindlu eziqhelekileyo: i-mortgage yokuhlala, esetyenziselwa ukuthenga indlu yokuhlala, kunye ne-mortgage yendlu, eyimali-mboleko yokuthenga ipropathi yotyalo-mali.
Oku kothusa abaninzi, kodwa akukho mthetho ukunqandayo ekubeni ube neemali mboleko ezininzi, nangona unokuba nengxaki yokufumana ababolekisi abazimiseleyo ukukuvumela ukuba uthabathe imali-mboleko entsha emva kokumbalwa kokuqala.
Yonke imali-mboleko ifuna ukuba uphumelele imilinganiselo yombolekisi, kubandakanywa ukuhlolwa kokufikeleleka kunye nokuhlolwa kwetyala. Ukuze uvunywe kwi-mortgage yesibini, kufuneka ubonise ukuba unayo imali efunekayo yokwenza iintlawulo, okufanayo kunye neyesithathu, neyesine, njl.
Kodwa kuthekani ukuba uhlala kwiindawo ezimbini? Abantu abaninzi banamakhaya osapho kodwa bafudukela edolophini phakathi evekini baze bahlale eflethini apho ukuze bafumane umsebenzi; emva koko, amasekela ayayenza. Kukho ithuba lokunika i-mortgage yokuhlala yesibini kwezi meko, kodwa kubalulekile ukuba uqaphele ukuba umbolekisi uya kufuna ukuba nobungqina obuninzi bokuba oku kunjalo.
Dibanisa iimali mboleko ezimbini kwi-UK enye
Uyazibuza ukuba zingaphi iimali mboleko onokuzifumana ngokwenyani kwikhaya elinye? Nokuba ufuna ukuxhasa ngemali ikhaya lakho lokuqala okanye ukuba sele unemali mboleko kwaye ujonge indlela yokuhlaziya ikhaya lakho, usenokuba uyazibuza malunga nenani lemali mboleko onokuthi uyithathe kwipropathi enye.
Kweli nqaku, fumana yonke into ofuna ukuyazi malunga nokubambisa kunye nendlela iimali zokubolekwa kwezindlu ezidibana ngayo. Kwaye, funda indlela yokufumana imali yokubambisa izinto ezininzi kwipropathi enye kunye nezinto ezilungileyo kunye nezibi zokuba nemali-mboleko engaphezulu kwesinye kwipropathi enye. Kwaye, sabelana ngeengcebiso zokukunceda wenze isigqibo malunga nokuba ukufumana imali mboleko engaphezulu kwesinye linyathelo elilungileyo kuwe.
Zingaphi iimali zokubambisa onokuthi ube nazo kwipropati enye ngexesha elinye? Ngokubanzi, unokufumana ubuninzi beemali zokubambisa ezimbini ngaxeshanye kwipropati enye. Uya kuba ne-mortgage yokuqala-ebizwa ngokuba yi-mortgage yokuqala- kwaye uya kukwazi ukufumana i-mortgage yesibini-ebizwa ngokuba yi-mortgage yesibini-.
Iimali mboleko kwikhaya lakho zihlala zithathwa njengemali-mboleko yomntu kwaye zihlalutywa ngokwesikhundla. Isikhundla - esibizwa ngokuba yi-lien position - ye-mortgage nganye ngumyalelo weprayorithi apho umthetho uya kuqaphela amabango ababolekisi malunga nepropati ekuthengo.
Yiba neemali mboleko ezimbini kwaye urente enye
Ukuba nezindlu ezimbini zokubambisa akunqabile njengoko unokucinga. Abantu abakha ukulingana okwaneleyo kumakhaya abo bahlala bekhetha ukuthatha i-mortgage yesibini. Banokuyisebenzisa le mali ukuhlawula amatyala, ukuthumela umntwana ekholejini, ukuxhasa ngezimali ukuqalisa ishishini, okanye ukuthenga kakhulu. Abanye basebenzisa i-mortgage yesibini ukunyusa ixabiso lezindlu zabo okanye ipropathi ngokuhlaziya okanye ukwakha izongezo ezifana nedama lokuqubha.
Nangona kunjalo, ukuba neemali mboleko ezimbini kunokuba nzima kunokuba ube nenye kuphela. Ngethamsanqa, kukho iindlela zokudibanisa okanye ukudibanisa iimali-mboleko ezimbini kwimali-mboleko enye. Kodwa inkqubo yokudibanisa ngokwayo ingaba nzima kwaye izibalo zingenakufaneleka ekugqibeleni.
Makhe sijonge umzekelo: Uthathe i-equity line yetyala kwiminyaka elishumi nangaphezulu eyadlulayo, kwaye ngexesha lokutsalwa kwetyala-ixesha onokuthi "uzoba" kumgca wakho wetyala-ubuhlawula imali elawulekayo: $275 ngenyanga. . ngenyanga ngetyala le-100.000 yeedola.
Ngokwemiqathango yale mboleko, emva kweminyaka elishumi ixesha lokubuyisela libe lixesha lokubuyisela: iminyaka eyi-15 elandelayo apho kufuneka uhlawule imali-mboleko njengokungathi i-mortgage. Kodwa mhlawumbi ubungalindelanga ukuba intlawulo yeedola ezingama-275 ijike ibe yintlawulo yeedola ezingama-700 ezinokuya phezulu nangaphezulu ukuba izinga lokuqala liyenyuka.
imali-mboleko ehambelanayo
Funda ngakumbi Izinga lenzala yase-UK: omawulindele kwaye ulungiswe njaniInqanaba lesiseko seBhanki yaseNgilani lizinga lokuboleka elisemthethweni kwaye ngoku limi kwi-0,1%. Lo mlinganiselo wesiseko unefuthe kwinzala yase-UK, enokunyusa (okanye yehle) inzala yemali-mboleko kunye neentlawulo zakho zenyanga.Funda ngakumbiYintoni i-LTV? Ibalwa njani i-LTV – iMali-mboleko kwiRhafu yeXabiso I-LTV, okanye imali-mboleko-kwixabiso, ubukhulu bemali-mboleko xa kuthelekiswa nexabiso lepropati yakho. Ngaba unayo imali eyaneleyo yokufumana awona maxabiso angcono okubambisa?
