Ukuhlawulwa kweendleko mboleko eziphezulu
Kuyahenda ukungahoyi iindleko ezingalindelekanga. Kodwa ukuba nemali ebekelwe bucala njengomkhusane wezinto ezisenokufuna ukulungiswa xa ufumana ikhaya elitsha, njengesipholisa-moya, ukufudumeza, nemibhobho yamanzi, licebo elihle.
Ukuba idiphozithi yakho ingaphantsi kwe-20%, kuya kufuneka uhlawule i-premium ye-mortgage insurance (LMI) premium. Lixabiso lexesha elinye elongezwa kwisixa-mali semali-mboleko, ukuze kungafuneki uhlawule nantoni na kwangaphambili. Kubalulekile ukuba uthethe nathi malunga nesixa sale premium: ukuba uthenga ikhaya le-600.000 yeedola nge-5% yediphozithi, inokuba ngaphezulu kwe-20.000 yeedola, kuxhomekeke kwimeko ohlala kuyo.
Ukuba ulondolozela indlu, kunokuba nzima ukwazi ukuba uyeke nini kanye kanye. Uya kuba nini ngokwenene imali eyaneleyo yokuya kuzingela endlwini kwaye ubeke idiphozithi? Emva kwayo yonke loo nto, imali-mboleko yemali-mboleko sisiboniso esihle sobomi. Ngokuqhelekileyo, akulindelekanga ukuba uyihlawule ngaphantsi kweminyaka engama-25-30. Awufuni kungxama.
Ukunika konke oku, ingqiqo ecacileyo ibonisa ukuba kufuneka ulondoloze imali eninzi kangangoko kunokwenzeka ngaphambi kokuba uye kuzingela indlu. Kodwa, siphila nje okwexeshana. Asinakuhlala kwaye siqokelele imali ngonaphakade. Ngoko kwakhona. Umisa nini? Ingakanani imali efunekayo ukuhlawula idiphozithi kwindlu? Ngaba ikho impendulo eqinisekileyo kulo mbuzo?
Isikhokelo sokuRenta Ato 2021
Igama elithi "i-mortgage" libhekisela kwimali-mboleko esetyenziselwa ukuthenga okanye ukugcina ikhaya, umhlaba, okanye ezinye iindidi ze-real estate. Umboleki uyavuma ukuhlawula umbolekisi ngexesha, ngokuqhelekileyo kuluhlu lweentlawulo eziqhelekileyo ezahlulwe zibe yinqununu kunye nenzala. Ipropati isebenza njengesibambiso ukukhusela imali-mboleko.
Umboleki kufuneka afake isicelo semali-mboleko ngokusebenzisa umbolekisi wakhe amkhethayo kwaye aqinisekise ukuba bayahlangabezana neemfuno ezininzi, ezinje ngamanqaku asezantsi etyala kunye neentlawulo eziphantsi. Izicelo ze- mortgage zihamba ngenkqubo engqongqo yokubhala phantsi ngaphambi kokuba zifike kwinqanaba lokuvala. Iindidi ze-mortgages ziyahluka ngokuxhomekeke kwiimfuno zomboleki, njengemali-mboleko eqhelekileyo kunye nemali mboleko emiselweyo.
Abantu kunye namashishini basebenzisa imali yokubambisa ukuze bathenge umhlaba ngaphandle kokuhlawula ixabiso elipheleleyo lokuthenga ngaphambili. Umboleki uyayihlawula imali-mboleko kunye nenzala kwinani elimiselweyo leminyaka ade abe ngumnini wepropati ngaphandle kwentlawulo. Iimali zokubambisa zikwabizwa ngokuba ziimali-mboleko ezichasene nepropati okanye amabango epropati. Ukuba umboleki uyasilela kwi-mortgage, umbolekisi unokuvala ipropati.
Akukho ngeniso yerenti, kodwa kukho iindleko
Xa ugcwalisa isicelo sakho somhlalaphantsi, siya kukucela ukuba usinike ulwazi kunye namaxwebhu athile axhasayo. Sifuna amaxwebhu axhasayo ukuze siqinisekise ulwazi osinike lona kwisicelo sakho. Ngaphandle kwabo asinako ukusivavanya isicelo sakho. Sisenokukucela iinkcukacha ezithe vetshe emva kokuba usifakile isicelo sakho.
Kusenokufuneka usinike isazisi sakho ukuze siqinisekise isazisi sakho. Ukuba siyakubuza, kufuneka uveze isazisi sakho phambi kokuba ungenise isicelo sakho. Ngaphandle kwabo asinakuqala ukuvavanya isicelo sakho. Ukuzilungiselela kuya kukunceda ugqibe ibango lakho kwaye ungalibazisi inkqubo. Ukuba akuqinisekanga ukuba ngawaphi amaxwebhu ekufuneka uwangenise, sitsalele umnxeba kuNoncedo oluPhezulu.
Emva kokuba ufake isicelo sakho somhlalaphantsi, siya kuvavanya iimeko zakho. Ukuba sifuna ulwazi oluthe kratya, siya kulucela. Siza kuthumela ileta kwibhokisi yeposi ye-myGov yakho, ukuba unayo. Ukuba awunayo, siya kukuthumelela esi sicelo ngeposi.
Ngokubanzi, kufuneka unikezele ngamaxwebhu esiwacelayo phakathi kweentsuku ezili-14. Ukuba awenzi njalo, sinokusala isicelo sakho. Sitsalele umnxeba kumnxeba woNcedo oPhezulu waseOstreliya ukuba unengxaki yokusinika ulwazi esilucelayo.
Ukutsalwa kwerhafu kwi-real estate investment e-Australia
Amagama kunye neenkcazo ezilandelayo zenzelwe ukunika intsingiselo elula nengekho sikweni kumagama namabinzana onokuwabona kwiwebhusayithi yethu kwaye onokuthi ungaqhelekanga kuwe. Intsingiselo ethile yegama okanye ibinzana iya kuxhomekeka ekubeni lisetyenziswe phi kwaye njani, njengamaxwebhu afanelekileyo, kubandakanywa izivumelwano ezisayiniweyo, iingxelo zabaxumi, iincwadana zangaphakathi zomgaqo-nkqubo weNkqubo, kunye nokusetyenziswa kweshishini, kuya kulawula intsingiselo kumxholo othile. Imigaqo kunye neenkcazo ezilandelayo azinasiphumo esibophelelayo ngeenjongo zayo nayiphi na ikhontrakthi okanye enye intengiselwano nathi. Ummeli wakho weeNkqubo zeZindlu zeKhampasi okanye abasebenzi beOfisi yeeNkqubo zeMali-mboleko baya kukuvuyela ukuphendula nayiphi na imibuzo ethile onokuba nayo.
Uluhlu lokutshekisha isicelo: Uluhlu olucwangcisiweyo lwamaxwebhu ekufuneka umboleki kunye nekhampasi iwanike kwi-Ofisi yeeNkqubo zeMali-mboleko ukuze ivunywe kwangaphambili okanye ivunywe yimali-mboleko. Ikwabizwa ngokuba yi-OLP-09 form.
I-Automated Clearing House (ACH): Uthungelwano lwe-electronic funds transfer network oluvumela ukudluliselwa kwemali ngokuthe ngqo phakathi kwee-akhawunti zebhanki ezithatha inxaxheba kunye nababolekisi. Olu phawu lufumaneka kuphela kubaboleki abangekho kwimeko yomvuzo osebenzayo ngoku.
