i-guarantor mortgage
Olu hlobo lwemali mboleko lufumaneka kuphela kubantu abakwimeko eqinileyo yezemali, oko kukuthi, kufuneka ukwazi ukuhlawula onke amatyala akho ngexabiso lenzala ehlawuliweyo kunye neendleko zokuhlala kwaye ube ne-10% yokugcina.
Nangona oku kuya kubaqinisekisa abanye ababolekisi ngemali yakho, kukho abanye abanokuzibuza ukuba kutheni ukonga kwakho kunganyuswanga okanye kutheni kufakwe isixa esikhulu kwiakhawunti yakho.
» …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.”
I-100% ye-mortgage yase-UK
Ukuba awunayo idiphozithi ye-mortgage, usenako ukunyuka ileli ye-real estate ngoncedo lwe-guarantor. Abazali nezalamane lukhetho oluqhelekileyo. Ngamanye amaxesha kuthiwa yi-no-deposit mortgages, i-mortgages ekhuselekileyo isetyenziswe kakuhle ngabathengi bokuqala, kodwa ingaba yinto efanelekileyo kwabo bafuna i-mortgage emva kokuqhawula umtshato, umzekelo. Jonga awona maxabiso alungileyo anamhlanje okanye ufunde isikhokelo sethu malunga nokubanjiswa kwezindlu ezikhuselweyo ukuze ufunde ngakumbi.
Ityala liya kuqinisekiswa ngokuboleka imali kwipropati yakho. IKHAYA LAKHO LISENOKUVALWA UKUBA AKUWUGCINA IINTLAWULO ZAKHO ZOKUBAMBISANA. Ababolekisi banokukunika uqikelelo olubhaliweyo. Imali-mboleko ixhomekeke kwindawo kunye nokuxatyiswa kwaye ayifumaneki kwabo bangaphantsi kwe-18 leminyaka ubudala. Zonke iireyithi zinokutshintshwa ngaphandle kwesaziso. Nceda ujonge zonke iireyithi kunye nemigaqo nombolekisi wakho okanye umcebisi wezemali ngaphambi kokuba wenze nayiphi na imali-mboleko.
Amakhonkco akhawulezayo apho sinesivumelwano kunye nomthengisi ukuze uhambe ngokuthe ngqo kwindawo yethu ukuya kweyabo ukujonga ulwazi oluninzi kwaye u-odole imveliso. Sikwasebenzisa amakhonkco akhawulezayo xa sinesivumelwano nomthengisi okhethiweyo ukuba akuse ngqo kwiwebhusayithi yakhe. Ngokuxhomekeke kwisivumelwano, sinokufumana ikhomishini ethobekileyo xa ucofa iqhosha elithi "Yiya kuMboneleli" okanye "Thetha kwiBroker", fowunela inombolo epapashiweyo, okanye ugcwalise isicelo.
Ukuthenga i-mortgage yoncedo
Ngaba ungafumana amaxabiso enzala elungileyo kwimali-mboleko yokubambisa? Ngokubanzi, iimali-mboleko ezibambiseneyo zinezinga eliphezulu lenzala kunemali-mboleko esemgangathweni. Oku kuthetha ukuba kuya kufuneka ucinge ngocoselelo malunga nokuba ungafikelela na umrhumo wenyanga phambi kokuba uthabathe inyathelo.
Ngaba i-mortgage ekhuselekileyo licebo elilungileyo? Imali-mboleko yokubambisa idala iqhina lemali phakathi koyise nonyana, ekubeni uyihlo enokubeka imali yakhe okanye impahla yakhe esichengeni ukuba akuhlawuli. Imali inokuba ngumbandela ochukumisayo, ngoko cingisisa nzulu enoba sisigqibo sobulumko kusini na.
Urhulumente Akukho Nkqubo yeDiphozithi yokuBoleka imali
Kwimali-mboleko yasekhaya embalwa “engenadipozithi” phaya, kufuneka ufikelele kwiikhrayitheriya ezingqongqo kakhulu ukuze ube selungelweni, njengembali yetyala ekufutshane negqibeleleyo kunye nembali ezinzileyo yengqesho. Imali-mboleko ikwanakho ukuthwala inzala ephezulu.
Nangona kunjalo, ababolekisi abaninzi banikezela ngento enokuthi ibe yinto elandelayo: imali mboleko yezindlu nge-5% yediphozithi. Eyona nto isemva kwezi mboleko kukuba phantse ngokuqinisekileyo uya kufunwa ukuba uhlawule i-inshurensi yokubambisa kubabolekisi. Kodwa, heyi, inokuba yile nto uyifunayo ukuze ufumane unyawo lwakho lokuqala kwileli yezindlu.
Ukuba uthenga ikhaya elitsha, okanye elihlaziywe kakhulu, i-FHOG iya kuhlawulwa ngokwesiqhelo ngexesha lokuthenga. Ukuba wakha ikhaya elitsha, uya kufumana i-FHOG xa usenza intlawulo yakho yokuqala yemali mboleko, nto leyo eyenzeka xa kubekwa i-slab.
Kubalulekile ukuqaphela ukuba urhulumente kunye nommandla ngamnye uneemfuno ezahlukeneyo, kwaye amanye amazwe anikezela nge-FHOG kuphela kubantu abathenga amakhaya amatsha. Funda apha ukuze ufumanise ukuba yintoni enikezelwayo kwisithili sakho okanye kwingingqi yakho.
