Ngaba inokutshintshwa ukusuka kwisigxina ukuya kwinguqu?
Ukukhetha ubude bexesha le-amortization, oko kukuthi, inani leminyaka oya kuyidinga ukuhlawula imali yakho yokubolekwa kwe-mortgage, sisigqibo esibalulekileyo esinokuchaphazela isixa senzala oya kuhlawula ngayo ubomi bakho be-mortgage.
Xa kuziwa kwinzala yemali-mboleko, kukho iindlela ezimbini eziphambili zokukhetha: ireyithi esisigxina kunye nezinga eliguquguqukayo. Ngomlinganiselo omiselweyo we-mortgage, izinga lenzala livalelwe-okanye lisisigxina - kwixesha le-mortgage kunye nesixa seentlawulo siya kufana kulo lonke ixesha. Ekubeni izinga lenzala alitshintshi kwixesha elizayo, uyazi kwangaphambili ukuba ingakanani inzala oya kuyihlawula kwaye uya kuba netyala elingakanani ekupheleni kwekota.
Ngomlinganiselo oguquguqukayo we-mortgage, inzala iyaguquguquka ngokusekwe kwixabiso lokuqala elibekwe yibhanki. Ireyithi eguquguqukayo iya kuba yireyithi yokuqala udibanise okanye uthabathe isixa esithile. Iintlawulo zakho ziya kuhlala zifana kulo lonke ixesha, kodwa ukuba amazinga enzala ehla, intlawulo yakho eninzi iya kukuhlawula inqununu. Ukuba ziyenyuka, intlawulo eninzi iya kukuhlawula inzala. Ekubeni izinga lenzala litshintsha kwixesha, akunakwenzeka ukwazi kwangaphambili ukuba ungakanani inzala oya kuhlawula ngayo kwaye ungakanani inqununu oya kuyityala ekupheleni kwekota. Kukwabalulekile ukwazi ukuba intlawulo yakho yesiqhelo yemali yokubambisa ingahlengahlengiswa ukuba isixa-mali sakho sentlawulo asanelanga ukuhlawula inzala yenyanga kwinqununu yakho.
Inzala eguquguqukayo
Ukuguqula iNqanaba lakho eliGuquguqukayo lemali-mboleko yokubolekwa kwezindlu ukuya kwiMali-mboleko yoMgangatho-mali oMiselweyo Kuhlala kukho ukubhideka malunga nokuba kuthatha ntoni na ukuguqula imali-mboleko yemali-mboleko ekwizinga elimiselweyo. Uninzi lwababoleki ngempazamo bajonga inkqubo njengento entsonkothileyo, befuna ukucaciswa malunga notshintsho kwimali-mboleko, iintlawulo kunye namalungelo. Ukuba ukhona
Ezinye iinyani ezibalulekileyo malunga noguquloUnokukhetha ukutshintsha ukusuka kwixabiso lemali ebolekwayo ukuya kwireyithi emiselweyo nangaliphi na ixesha ngexesha lemali mboleko yakho. Akukho khomishini yokuhlawula. Ezinye iinyani ezibalulekileyo ekufuneka uzazi:
Ngaba ndingatshintshela kwimali-mboleko yemali emiselweyo?
Iimali zokubolekwa kwezindlu eziguquguqukayo ngokuqhelekileyo zibonelela ngamaxabiso aphantsi kunye nokuguquguquka okungakumbi, kodwa ukuba iireyithi ziyenyuka, unokugqiba ukuhlawula ngaphezulu ekupheleni kwekota. I-Fixed-rate-mortgages inokuba namaxabiso aphezulu, kodwa iza nesiqinisekiso sokuba uya kuhlawula isixa esifanayo ngenyanga nganye kwixesha lonke.
Nanini na xa kukhontrakthi yokuboleka imali, enye yeendlela zokuqala kukwenza isigqibo phakathi kweereyithi ezimiselweyo okanye eziguquguqukayo. Kulula ukuba sesinye sezona zigqibo zibalulekileyo onokuthi uzenze, njengoko ziya kuchaphazela iintlawulo zakho zenyanga kunye neendleko zizonke zemboleko yakho ngokuhamba kwexesha. Nangona kusenokuhenda ukuhamba nelona zinga liphantsi linikezelwayo, akulula kangako. Zombini ezi ntlobo zemboleko zineenzuzo kunye neengxaki zazo, ngoko ke kufuneka uqonde ukuba i-fixed-rate kunye ne-variable-rate-rertgages isebenza njani ngaphambi kokuba wenze isigqibo.
Kwiimali mboleko ezimiselweyo, inzala iyafana kulo lonke ixesha. Ayinamsebenzi nokuba inzala iyenyuka okanye iyehla. Inzala yemali-mboleko yakho ayiyi kutshintsha kwaye uya kuhlawula isixa esifanayo ngenyanga nganye. Ixabiso lemali ebolekwayo lihlala linenzala ephezulu kunemali ebolekayo kuba iqinisekisa iqondo elingaguqukiyo.
Ngaba unokutshintsha i-mortgage esisigxina?
Ukuba wenza intlawulo yemali-mboleko enkulu, utshintshele kwixabiso eliguquguqukayo, okanye uvale i-akhawunti yakho yemali-mboleko, unokuhlawula umrhumo ebhankini ngokuphuma kwisivumelwano somlinganiselo omiselweyo. Ezi komishoni zaziwa njengeekhomishini zokuqhawula, uhlengahlengiso lwe-amortization kwangethuba okanye iindleko zoqoqosho.
Kuya kufuneka uzame ukufumanisa ukuba yimalini oza kuyihlawula kwimali mboleko yakho yendlu ngexesha lexabiso elimiselweyo kwaye ugcine loo nxalenye yotshintsho lwemali mboleko yakho. Oku kuya kukuvumela ukuba wenze intlawulo eyongezelelweyo kwisahlulo sezinga eliguquguqukayo ngaphandle kokungena kuzo naziphi na izohlwayo zokuphulwa.
Nangona kunjalo, ukuba batshixa kwimali mboleko yabo yezindlu, kuqhelekile ukuba batshixe inxalenye yemali mboleko yabo ukuze bakwazi ukugcina ukuguquguquka kwaye babe ne-akhawunti yokucoca edityaniswe nenxalenye yezinga eliguquguqukayo.
Uninzi lwabantu lukhetha ixesha labo elimiselweyo lexabiso elimiselweyo ngokusekelwe kwinto abacinga ukuba ikamva lenzala liya kuba, kwaye xa belindele ukuba iimeko zabo okanye iimfuno zabo zitshintshe ukuze bafune ukuhlaziya imali mboleko yabo, benze inxalenye ebalulekileyo okanye bathengise ipropati yakho. .
