Kwenzeka ntoni ekupheleni kwe-mortgage
Buza umbolekisi wakho we-mortgage ukuba kwandiswe isithembiso sakho sokubambisa ngokukhawuleza. Kusenokufuneka ubanikeze isaziso seeveki ezimbalwa ukuba ufuna ukongezelelwa, ngoko qhagamshelana nabo ngokukhawuleza.
Ukuhamba akusoloko kulula, kwaye umbolekisi wakho we-mortgage kufuneka ayiqonde loo nto. Njengoko iCoronavirus ibeke utshintshiselwano oluninzi lwezindlu nezindlu, umbolekisi wakho wemali yokubambisa akayi kumangaliswa ukuba kukho ukulibaziseka ekugqibezeleni ukuthenga kwakho ikhaya.
Kodwa kubalulekile ukunika umbolekisi wakho isaziso esaneleyo, njengoko unciphiso lwakutsha nje lweRhafu yoMhlaba weSitampu kuthetha ukuba kukho abathengi abaninzi abafuna ukufudusa izindlu ngaphambi kokuba amaxabiso eSitampu anyuke. Umbolekisi unokuxakeka kakhulu kwimozulu yangoku.
Ukuba unexhala lokulibaziseka kwikhaya lakho elitsha, amagqwetha ethu okubambisa imali angenza ingqondo yakho ikhululeke. Iqela lethu lesizwe lamagqwetha kunye neearhente zepropathi ziingcali zokuhamba ngenkqubo yokuthengisa ngokukhawuleza kwaye, ukuba kukho ukulibaziseka, sinokukucebisa ngeyona ndlela iphambili.
Ngaba ndingalandisa ixesha lemali-mboleko yam yenzala kuphela?
Njengoko isiphelo sonyamezelo lwe-mortgage yokuqala sisondela, jonga imeko yakho yezemali. Ukuba unokuphinda uqalise iintlawulo zayo nayiphi na imali, zive ukhululekile ukuhlola olo khetho. Izinto onokukhetha kuzo, eziyohluka ngokohlobo lwemali-mboleko, zinokubandakanya nayiphi na kwezi zilandelayo:
Ukuba akukho nalunye lokhetho olukhoyo olunokwenzeka, kulapho ulwandiso lonyamezelo lwe-mortgage lungena khona. Ukwandiswa konyamezelo kukunika iinyanga ezongezelelekileyo zokurhoxiswa kwentlawulo ukuze ukwazi ukufumana amanye amatyala okanye ngokulula “uhlale usebenza” de imeko yakho yezemali iphucuke.
Umthetho we-CARES unika abanini-zindlu ngemali yokubambisa exhaswa ngumanyano abachatshazelwe ngokwezemali sisibetho se-coronavirus ukunqunyanyiswa okwethutyana ukuya kuthi ga kwiintsuku ezili-180 kuyo yonke okanye inxalenye yentlawulo yabo yokubambisa. UMthetho we-CARES ukwabonelela ngokongezwa konyamezelo ukuya kuthi ga kwi-180 leentsuku, ngaphandle kokuba umboleki ucele oko ngaphambi kokuphelelwa unyamezelo lokuqala.
Kuya kufuneka uqhagamshelane nomnikezeli wenkonzo yemali-mboleko ukuze ucele ukwandiselwa ngaphambi kokuba unyamezelo lwakho lwangoku okanye ukwandiswa kwakho kuphele. Ayinguye wonke umntu oya kulungela inani eliphezulu lezongezo. Ukunqanda imeko yonxunguphalo, musa ukulinda de kube ngumzuzu wokugqibela ukuba uqhagamshelane nomnikezeli wemali-mboleko kwaye ujonge iinketho zakho.
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Thelekisa iMigangatho yokuHlola iNtshukumo yam Thelekisa iMoves yam ilandela izikhokelo ezingqongqo ukuqinisekisa ukuba isiqwenga ngasinye somxholo sichanekile, sithembekile, kwaye sibambelela kowona mgangatho uphezulu womgangatho. Inqaku ngalinye lijongwa ngamalungu ephaneli yethu yababhali ngaphambi kokuba lipapashwe ukukhuthaza umxholo ochanekileyo kunye nomgangatho:
Nje ukuba unikwe imali yokubambisa, unikwa ixesha eliqingqiweyo apho unikezelo lusemthethweni ukugqiba ukuthengwa kwepropati. Ngokuqhelekileyo iinyanga ezi-3-6 ukusuka kwixesha le-mortgage inikezelwa, kuxhomekeke kumbolekisi. Ukuba unenkxalabo yokuba ukuthengwa kwekhaya akuyi kugqitywa ngexesha, kuya kufuneka uqhagamshelane nombolekisi ukuze ucele ukwandiswa. Kungenjalo, kuya kufuneka uphinde wenze isicelo semali-mboleko Ukufumana isithembiso semali-mboleko linyathelo elibalulekileyo ekuthengeni ipropati. Ngexabiso lendlu ephakathi e-UK ngoku kwi-£ 238.885, i-mortgage yindlela kuphela abantu abaninzi abanokuthenga ngayo ikhaya, ngakumbi xa kunikwa ixabiso elipheleleyo lokuthenga ikhaya. Siza kukubonelela ngayo yonke into odinga ukuyazi malunga nexesha lentengiso yezindlu kunye nento omawuyenze ukuba imali yakho yokubambisa iyaphela.
ukwandisa imali yokubambisa
Ukuba i-mortgage yakho isondela ekupheleni kwexesha layo, kungcono ukukhathalela ulwandiso kwangoko. Cinga ukuba ufuna ukwandisa ngaphandle kokwenza naluphi na utshintsho okanye ufuna ukwenza uhlengahlengiso, umzekelo, ukufumana inzuzo kwinzala ephantsi.
Ngaba uceba ukwenza utshintsho kwisakhiwo kwikhaya lakho okanye ngaba ufuna izibonelelo zemali ezongezelelweyo ukuze ulungise okuyimfuneko? Ukunyuswa kunokukunika umda owudingayo ukwenza oku. Iingcali zethu zezemali ziya kukuvuyela ukukunika iingcebiso ezibanzi.
Iimeko zobomi ziyatshintsha, kwaye kunjalo nemeko yezinga lenzala. Siza kufumana isicwangciso esifanelekileyo se-mortgage. Guqula imodeli ye-mortgage okanye uhlukanise imali-mboleko yakho kwiimveliso ezahlukeneyo kunye nemigaqo.
*Iimfonomfono zinokurekhodwa ngezizathu zokhuseleko noqeqesho. Imirhumo yoqhagamshelo oluqhelekileyo (i-Swisscom) iyasebenza. Iireyithi zefowuni eziphathwayo kunye nezangaphandle, kunye nezo zabanye ababoneleli, zinokuhluka.
Imali yethu yokubambisa enexabiso elimiselweyo inika olona xolo lwengqondo lunokubakho: i-Mortgage esisigxina kunye ne-Forward Fixed Mortgage. Zombini zinezinga lenzala eliqinisekisiweyo kunye nexesha elimiselweyo. Nge-Mortgage esisigxina ye-Forward, ukhusela izinga lenzala kwixesha elizayo.
