Ukukhutshwa komqinisekisi wemali-mboleko
Kuxhomekeke kwindawo ohlala kuyo, kuya kusiba nzima ukufumana imali-mboleko yokuqala. Njengoko amaxabiso ezindlu enyuka, abantu abaninzi ngakumbi bakufumanisa kunzima ukugcina imali yabo yediphozithi, kwaye abo banokonga kancinci kusafuneka bajongane neendleko ezongezelelweyo ze-inshurensi yokubambisa.
Ngoko ke zeziphi ezinye iindlela? Qhubeka uhlawula irenti (eyimali efileyo ngokusisiseko) ngethemba lokuba ekugqibeleni uya kukwazi ukugcinela idipozithi, okanye uthathe amatyala amaninzi ngendlela ye-inshurensi yokubambisa? Ngethamsanqa, kukho enye indlela: unokufaka isicelo semali mboleko yemali-mboleko.
Imali mboleko yendlu ekhuselweyo yileyo apho elinye iqela (elidla ngokuba ngumzali) lisebenzise impahla yalo njengesibambiso semali-mboleko ecetywayo. Oku kukuvumela (umboleki) ukuba ayeke imfuno yediphozithi; endaweni yoko, ungaboleka ukuya kuthi ga kwi-110% yexabiso lokuthenga ikhaya. Ngokuqhelekileyo, xa umntu eboleka ngaphezu kwe-80% yexabiso lepropati, ibhanki iya kufuna ukuba ahlawule i-inshurensi ye-mortgage. Esi sisiqinisekiso sebhanki xa ungakwazi ukuyihlawula imali-mboleko.
IiMqinisekiso zeeMqinisekiso
Umzekelo – IBhanki kaMama noTata UJoe wenza isicelo semali mboleko yemoto enesiqinisekiso sabazali bakhe uMike noBetty. Kwiinyanga ezisithoba kamva, uJoe uyayeka ukubhatala. UMike noBetty bafunwa ngumbolekisi-mali ukuba bahlawule imali-mboleko yemoto kaJoe kunye nemali-mboleko yobuqu ababengayazi. UMike uzama ukufaka ibango, kodwa umbolekisi uthi “lityala lonke” eliqinisekisa onke amatyala kaJoe. UBetty ufaka isikhalazo ngenkqubo yokusombulula ingxabano yombolekisi, egqiba ukuba umbolekisi akazange axelele uMike noBetty malunga nemboleko-mali yobuqu okanye bangqine ukuba banokuqinisekisa eli tyala litsha. Inkqubo iyalela umbolekisi ukuba arhoxise isibambiso. Oku kuthetha ukuba uMike noBetty kufuneka baqhubeke beyihlawula imali-mboleko yemoto, kodwa hayi imali-mboleko kaJoe.
Iingxaki zentlawulo1. Qhagamshelana nombolekisi Ukuba umbolekisi wenze ngokungenabulungisa, unokukwazi ukutshintsha okanye ukurhoxisa isibambiso sakho. Ngaphambi kokuba uqhagamshelane, funda ulwazi lwethu: Umcebisi wezezimali wasimahla unokukunceda ukuba uqhagamshelane okanye uthethe nombolekisi wakho. Qala ngokuqhagamshelana nomnxeba woncedo ongahlawulelwayo weMoneyTalks. Iinkcukacha zoQhagamshelwano (ikhonkco langaphandle) – MoneyTalks
Ungayeka nini ukuba ngumqinisekisi?
Okwangoku ndinemali yokubambisa kunye ne-ANZ guarantor. Imali mboleko yi-$ 560.000 kwaye ixabiso lepropati liye landa kwi-$ 680.000. Ndathenga isiza ePenrith, eNew South Wales kwiminyaka embalwa edlulileyo ngoncedo luka-anti wam njengesiqinisekiso. Ngoku, ndifuna ukumkhulula njengoko efuna ukuqinisekisa ukuthenga kwentombi yakhe. Ndingayisusa kwimali-mboleko yam yokubambisa?
Ewe, ungayisusa i-guarantor yakho kwi-mortgage loan. Xa ususa i-guarantor yemali mboleko yezindlu, eyona nto ixhalabileyo kwiibhanki ngumlinganiselo wabo wemali mboleko-mali-mboleko (LVR), eyipesenti yemali mboleko eseleyo kwixabiso lepropathi yakho.
Unokucela imali-mboleko kwaye ukhulule i-guarantor yakho, kungenjalo iya kugcinwa kubo bonke ubomi bemboleko. Ukuba wena okanye abazali bakho bafuna ngokwenene, abanye ababolekisi baya kukuvumela ukuba ususe isibambiso xa i-LVR yakho i-90%. Nangona kunjalo, khumbula ukuba kuya kufuneka uhlawule iprimiyamu ye-LMI, kuba isixa-mali semali mboleko singama-80% exabiso lepropathi.
Ngakolunye uhlangothi, xa i-LVR yakho i-80%, unokususa isibambiso kwaye ugweme iindleko ze-inshurensi ye-mortgage evela kubabolekisi. Abanye abantu baphantsi koluvo lokuba isibambiso sisuswa ngokuzenzekelayo xa ngaphantsi kwe-80% yexabiso lepropati elityala. Ngelishwa, oku akunjalo.
Ngaba ukuba ngumqinisekisi kuchaphazela ukufumana imali-mboleko?
Ukongela ikhaya kunokuba lucelomngeni: Kusenokuthabatha iminyaka ngaphambi kokuba ube nemali eyaneleyo yokuhlawula idiphozithi yakho nezinye iindleko. Ukuba uvakalelwa kukuba awukwazi ukuhlangabezana nemfuneko yediphozithi eqhelekileyo, unokufuna ukuqwalasela imali ebolekiweyo.
Imali mboleko yendlu eqinisekisiweyo ivumela isizalwane esisondeleyo (esidla ngokuba ngumzali) ukuba sisebenzise i-equity kwikhaya lakho njengesibambiso semali mboleko yendlu ethile okanye kuyo yonke. Kusafuneka uboleke imali kumbolekisi kwaye uyibuyisele, kodwa i-guarantor ibonelela ngokhuseleko lwemali-mboleko leyo uninzi lwababoleki luhlala luyibeka ngendlela yediphozithi. Ukusebenzisa i-guarantor kuvumela ababoleki ukuba bafumane imali-mboleko ye-mortgage ngaphandle kwemfuneko ye-20% yediphozithi eqhelekileyo, oku kuthetha ukuba akufuneki bahlawule i-Insurance Mortgage Insurance (LMI).
Kwimeko apho awukwazi ukuhlawula i-mortgage, i-guarantor iya kuba noxanduva lokwenza iintlawulo. Ukuba awukwazi ukufikelela kwiintlawulo, ibhanki inokuphinda ikuhluthe ikhaya lakho ukuze ibuyise ilahleko.
Abaqinisekisi banokukhetha ukuqinisekisa kuphela inxalenye yemali-mboleko (umzekelo, i-20%) endaweni yayo yonke. Emva kokuba umboleki ehlawule inxalenye ekhuselekileyo yemali mboleko, ipropati yomgcini-mgcini ikhuselekile nokuba izavenge zexesha elizayo azihlawulwanga. Umqinisekisi unokucela ukuba akhululwe kwimali-mboleko.
