Iindlela zokubolekwa kwezindlu eCanada
Imiqathango yangoku yekhontrakthi yakho yokubambisa isenokungasafanelanga iimfuno zakho. Ukuba ufuna ukwenza utshintsho ngaphambi kokuba ixesha lakho liphele, unokuphinda uxoxisane nekhontrakthi yakho yokubambisa. Oku kwaziwa njengokwaphulwa kwekhontrakthi yokubambisa.
Abanye ababolekisi be-mortgage banokukuvumela ukuba wandise ubude be-mortgage yakho ngaphambi kokuba ixesha liphele. Ukuba ukhetha olu khetho, akuyi kufuneka uhlawule isohlwayo sentlawulo yangaphambili. Ababolekisi balubiza olu khetho "xuba kwaye wandise" kuba izinga lenzala elidala kunye nenqanaba lenzala elitsha zixutywe kunye. Kusenokufuneka uhlawule iimali zolawulo.
Umbolekisi wakho kufuneka akuxelele indlela ababala ngayo izinga lakho lenzala. Ukufumana ukhetho lokuhlaziya olulungele iimfuno zakho, qwalasela zonke iindleko ezibandakanyekayo. Oku kuquka naziphi na izohlwayo zokuhlawula kwangaphambili kunye nezinye iintlawulo ezinokusebenza.
Le ndlela yokubala inzala edibeneyo yenziwe lula ngeenjongo zokubonisa. Ayibandakanyi izohlwayo zokuhlawula kwangaphambili. Umbolekisi wakho unokudibanisa isohlwayo sentlawulo yekhadi kunye nezinga lenzala entsha okanye akucele ukuba usihlawule xa uphinda uthethathethana ngemali yokubambisa.
Guqula izinga eliguquguqukayo libe yireyithi esisigxina
Ekubeni inzala iyafana, uya kuhlala uyazi xa uya kuhlawula imali yakho yokubolekwa kwezindlu Kulula ukuyiqonda ngaphezu kwe-mortgage yezinga eliguquguqukayo Uya kuqiniseka ukuba uyazi ukuba uhlahlo lwabiwo-mali lwentlawulo yakho ye-mortgage Ireyithi yenzala yokuqala idla ngokuba ngaphantsi kwe-A. Intlawulo esezantsi esezantsi inokukunceda ukuba ufumane imali mboleko enkulu Ukuba inqanaba lenqununu liyehla kwaye nenzala yakho iyehla, iintlawulo zakho ezininzi ziya kwinqununu.
Izinga lenzala lokuqala lidla ngokuba phezulu kunelo lentlawulo yemali-mboleko eguquguqukayo. Izinga lenzala lihlala lizinzileyo kulo lonke ixesha lokubambisa. Ukuba uyasaphula imali yokubambisa ngaso nasiphi na isizathu, izohlwayo ziya kuba phezulu kunentlawulo yemali-mboleko eguquguqukayo.
Imali mboleko esisigxina
Umahluko phakathi kwe-mortgage ye-mortgage kunye ne-mortgage ye-mortgage eguquguqukayo kukuba, kwimeko yemilinganiselo emiselweyo, izinga lenzala lisekwa ngexesha lokuboleka imali kwaye aliyi kutshintsha. Ngomlinganiselo oguquguqukayo we-mortgage, inzala inokunyuka okanye ihle.
Iimali mboleko ezininzi eziguquguqukayo ziqala ngomyinge wenzala ophantsi kunezinga elimiselweyo lokubambisa. Eli zinga lokuqala linokuhlala lifana iinyanga, unyaka, okanye iminyaka emininzi. Xa elixesha lentshayelelo liphela, izinga lakho lenzala liya kutshintsha kwaye imali yakho yentlawulo iya kunyuka. Inxalenye yomlinganiselo wenzala oyihlawulayo iya kudityaniswa nomlinganiselo obanzi wamazinga enzala, obizwa ngokuba sisalathiso. Intlawulo yakho iyenyuka xa le nzala inyuka. Xa amazinga enzala ehla, ngamanye amaxesha intlawulo inokuhla, kodwa akunjalo kuzo zonke ii-ARM. Ezinye ii-ARM zibeka ikepusi ekunyuseni izinga lenzala. Ezinye ii-ARM zikwanciphisa izinga lenzala. Phambi kokuba uthathe imali-mboleko enokuhlengahlengiswa, fumanisa: Ingcebiso: Sukucinga ukuba uya kukwazi ukuthengisa ikhaya lakho okanye uhlawule imali-mboleko yakho phambi kokuba izinga lenzala litshintshe. Ixabiso lendlu yakho linokuhla okanye imeko yakho yezemali ingatshintsha. Ukuba awukwazi ukufikelela kwiintlawulo eziphezulu kumvuzo wakho wangoku, ungafuna ukuqwalasela enye imali-mboleko Ukuba uthenga imali-mboleko, ndwendwela uBuying a Home, izixhobo zethu zokuthenga ikhaya kunye nezixhobo. Ukuba sele unayo imali-mboleko, sebenzisa olu luhlu lokutshekisha ukuze ubone ukuba ngawaphi amanyathelo onokuwathatha ukuze ufumane okuninzi kwimali-mboleko yakho.
Ngaba kusemthethweni ukuguqula i-mortgage eguquguqukayo ibe yinto esisigxina ngaphandle kwemvume? okwangoku
Kufuneka ulungise nini ukuguquguquka kwakho kwintlawulo yemali-mboleko emiselweyo? Ukuba uthenga indlu kulo nyaka, yeyiphi indlela eya kukugcina eyona mali ininzi? Ukuba uyawuqonda umahluko ongaphakathi phakathi kwamazinga amiselweyo kunye noguquguqukayo, olu luhlu lulandelayo luya kukunceda wenze esona sigqibo silungileyo.
Ukuxhasa ngemali: Abantu bafuna imali ngexesha likaxakeka, ukuqinisa amatyala, okanye amathuba otyalo-mali kwaye kufuneka bakhuphe i-equity kumakhaya abo. Ngaphandle kokuba i-mortgage yakho inomgca we-equity line of credit (HELOC), kuya kufuneka uphule i-mortgage.
Amaxabiso aphantsi: Abantu abafumana imali yokubambisa ngo-2018 babenamazinga angaphezulu kwe-3% kwaye ngequbuliso babone la maxabiso afanayo ehla nge-50% ngo-2020, ngaba ungathanda ukuqhubeka nokuhlawula kabini into ekwimarike? Ukutshintshela kwixabiso eliphantsi lekamva kunye nombolekisi ofanayo okanye kwenye indawo kuthetha ukwaphula i-mortgage.
Ngokusekwe kwezi nyani zingasentla, ababoleki abavumayo ukuba bangenza nayiphi na kwezi zinto zingasentla kwixesha labo bahlala benomlinganiselo oguquguqukayo nokuba uphakame kangakanani na. Omnye wabathengi bam uhlawuliswe i-129.000 yentlawulo yekhefu ngokuzama ukutshintsha ukusuka kwi-3% yezinga ukuya kwi-1,20% yezinga; kwanele ukuthi bendibanjiwe.
