2 i-mortgage calculator
Kubathengi abaninzi bezindlu, i-30 yeminyaka, i-mortgage yezinga elimiselweyo yenza ingqiqo. Nangona kunjalo, ngamanye amaxesha ufuna ukuthenga indlu kwaye iimeko ezifanelekileyo azikho ukuze ukwazi ukukhetha kuyo. Kwiimeko ezithile, njengokungabi namali eyaneleyo yokulondoloza intlawulo ephantsi, ekuphela kwendlela yokugqiba ukuthenga ikhaya kukufaka imali-mboleko kwizavenge. Ukusebenzisa i-piggyback mortgage kunokuthetha ukufumana indlu ofuna ukuyithenga, kodwa inemiqobo ethile ekufuneka uyiqaphele phambi kokuba usayine kumgca onamachokoza.
I-mortgage eyongezelelweyo ibandakanya ukucela iimali-mboleko ezimbini ezahlukeneyo zendlu enye. Ngokuqhelekileyo, i-mortgage yokuqala ibekwe kwi-80% yexabiso lekhaya kwaye i-mboleko yesibini yi-10%. I-10% eseleyo iphuma epokothweni yakho njengentlawulo ephantsi. Oku kukwabizwa ngokuba yi-80-10-10 mboleko, nangona ababolekisi banokuvuma i-80-5-15 mboleko okanye i-80-15-5 mboleko. Kwimeko nayiphi na into, amanani okuqala kunye nesibini ahlala ehambelana nezixa zemali-mboleko eyintloko kunye neyesibini.
Ekuqaleni kweminyaka yoo-2000 (phambi kwengxaki yezindlu), ababolekisi-mali abaninzi babenika abo bangenayo i-20%. Yayilukhetho oludumileyo; enyanisweni, ikota bonke ababoleki wasebenzisa mboleko piggyback ngo-2006, ngokutsho Furman Centre yeYunivesithi yaseNew York for Real Estate kunye Urban Policy.
Mangaphi amali-mboleko onokuba nawo kwipropati enye?
Ndingathenga izindlu ezimbini ngexesha elinye? Sonke sifanele sibe nethamsanqa ngokwaneleyo ukuba sihlangabezane naloo mbuzo. Kodwa ngokunzulu, impendulo emfutshane nguewe. Ukuba unako ukuhlawula intlawulo ephantsi kwaye ukwazi ukuhlangabezana namanqaku akho oboleki-mali kunye neemfuno zomlinganiselo wetyala, ababolekisi abaninzi baya kukuvuyela ukukunika imali oyifunayo.
Nokuba ungumthengi wokuqala okanye ungumtyali-mali ocinga ukongeza ipropathi erentwayo kwipotifoliyo yakho, usenokuba uyazibuza: Ngaba ndingathenga iipropati ezimbini ngexesha elinye? Ukuba uyazibuza ukuba uthenge njani amakhaya amabini, isishwankathelo esilandelayo siya kunika isikhokelo esiluncedo.
Ewe, ngokubanzi, umntu onetyala elilungileyo kunye nentlawulo encinci enokuthenga izindlu ezimbini okanye ngaphezulu kwipropathi enye ngexesha elinye esebenzisa iindlela zemveli. Ngapha koko, kwabaninzi abaqalayo okanye abaphinda abathengi basekhaya, uya kufumanisa ukuba inkqubo iyafana nokuthenga ikhaya losapho olunye.
Nangona kunjalo, kungakhathaliseki ukuba zingaphi iipropati ofuna ukuzithenga, ababolekisi bezindlu baya kujonga izibophelelo zakho zetyala. Ngenene, kufuneka ufezekise hayi ezinye iinqobo zokugweba, kodwa kwanezona mfuno zisezantsi zetyala-kwingeniso (i-DTI), nto leyo ethetha ukuba uqinisekise ababolekisi-mali ukuba unegumbi elaneleyo le-wiggle phakathi kohlahlo lwabiwo-mali lwakho ukuze ube nakho ukufikelela ezi propati ngaphandle kokujongana nobunzima bemali obungeyomfuneko. Ababolekisi bezindlu nabo baya kujonga imbali eyomeleleyo yetyala kunye namanqaku.
Yiba neemali mboleko ezimbini kwaye urente enye
Kubantu abaninzi, i-mortgage enye imele eyona mboleko inkulu kunye notyalo-mali abaya kuze bayenze, kodwa kukho izizathu ezininzi zokuba kutheni ungafuna ukuthenga ikhaya lesibini, okanye isithathu.
E-UK kukho iindidi ezimbini zokubolekwa kwezindlu eziqhelekileyo: i-mortgage yokuhlala, esetyenziselwa ukuthenga indlu yokuhlala, kunye ne-mortgage yendlu, eyimali-mboleko yokuthenga ipropathi yotyalo-mali.
Oku kothusa abaninzi, kodwa akukho mthetho ukunqandayo ekubeni ube neemali mboleko ezininzi, nangona unokuba nengxaki yokufumana ababolekisi abazimiseleyo ukukuvumela ukuba uthabathe imali-mboleko entsha emva kokumbalwa kokuqala.
Yonke imali-mboleko ifuna ukuba uphumelele imilinganiselo yombolekisi, kubandakanywa ukuhlolwa kokufikeleleka kunye nokuhlolwa kwetyala. Ukuze uvunywe kwi-mortgage yesibini, kufuneka ubonise ukuba unayo imali efunekayo yokwenza iintlawulo, okufanayo kunye neyesithathu, neyesine, njl.
Kodwa kuthekani ukuba uhlala kwiindawo ezimbini? Abantu abaninzi banamakhaya osapho kodwa bafudukela edolophini phakathi evekini baze bahlale eflethini apho ukuze bafumane umsebenzi; emva koko, amasekela ayayenza. Kukho ithuba lokunika i-mortgage yokuhlala yesibini kwezi meko, kodwa kubalulekile ukuba uqaphele ukuba umbolekisi uya kufuna ukuba nobungqina obuninzi bokuba oku kunjalo.
Ngaba unokuthenga izindlu ezi-2 ngexesha elinye kwi-monopoly?
Iimali-mboleko zesibini ziimali-mboleko ezikhuselwe kwipropathi yakho ngumthombo ongenguye umbolekisi wakho. Abantu abaninzi bazisebenzisa njengenye indlela yokunyusa imali, rhoqo ukwenza ukuphuculwa kwekhaya, kodwa kukho izinto ezimbalwa ekufuneka uzigcine engqondweni ngaphambi kokufaka isicelo.
Ixabiso lesati yipesenti yepropati yakho oyeyakho ngokuthe ngqo, oko kukuthi, ixabiso lekhaya kuthatyathwe naliphi na ityala lemali-mboleko etyalwa kuyo. Isixa umboleki uya kukuvumela ukuba uboleke siya kwahluka. Nangona kunjalo, ukuya kuthi ga kwi-75% yexabiso lepropathi yakho liya kukunika umbono.
Oku kuthetha ukuba ababolekisi kufuneka baqhube iitshekhi ezifanayo zokufikeleleka kunye "novavanyo loxinzelelo" lokukwazi kwakho ukuhlawula intlawulo yemali-mboleko yexesha elizayo njengoko benokwenza kumfaki-sicelo kwindawo yokuhlala yokuqala okanye imali yokubambisa.
Ukufaneleka kwale mizekelo ingasentla kuya kuxhomekeka kwiimeko zakho zobuqu. Logama usasebenza ngoku kwintlawulo yakho yokubambisa, kufanelekile ukuba ucinge ngokufumana i-advance entsha kumbolekisi wakho wangoku ngemigaqo engcono, njengoko inokuba lolona khetho lungcono.
Ngenxa yokuba i-mortgage yesibini isebenza njengeyokuqala, ikhaya lakho lisemngciphekweni ukuba awukho mva kwiintlawulo zakho. Njengayo nayiphi na imali-mboleko, ukuba uyawa emva kwaye ungayibuyiseli, inzala eyongezelelweyo inokongezeka.
