I-mortgage yasekhaya - deutsch
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.
i-mortgage calculator
Enye yezinto eziluncedo ekuthengeni ikhaya kukuba unokwakha i-equity kuyo kwaye usebenzise elo lungelo ukuhlawulela ulungiso olukhulu lwekhitshi, ukuphelisa ityala lekhadi letyala letyala elinenzala ephezulu, okanye uncedise ekuhlawuleni imfundo yabantwana bakho ekholejini.
Ixabiso leNet ngumahluko phakathi kwento oyityalayo kwimali yokubambisa kunye nexabiso langoku lekhaya lakho. Ukuba utyala i-$150.000 kwimali-mboleko yakho yendlu kwaye ikhaya lakho lixabisa i-200.000 yeedola, une-50.000 yeedola ze-equity kwikhaya lakho.
Masithi uthenga indlu ngeedola ezingama-200.000. Unokwenza intlawulo ephantsi ye-10% yexabiso lokuthenga indlu, eya kuba yi-$ 20.000. Umbolekisi wakho uya kukunika imali-mboleko yendlu eyi-$180.000.
Kuphela ngumvavanyi wezindlu nomhlaba onokukunika uhlolo olusemthethweni lwexabiso lemarike yangoku yekhaya lakho. Nangona kunjalo, unokuqikelela ixabiso lekhaya lakho ngokujonga ukuthengiswa kwekhaya okuthelekiswayo kwindawo yakho okanye ngokujonga ukuthengiswa kwe-intanethi ye-real estate ebonelela ngoqikelelo lwexabiso lekhaya.
Ukufumana ukuba ungakanani na onokukwazi ukubeka phantsi linyathelo elikhulu ekuqondeni ukuba uya kwakha njani ixabiso kwikhaya lakho. Ukufumana imvume yokuboleka imali ngaphambi kokuba wenze isithembiso kuya kukunceda uqonde ukuba yimalini na imali oyongayo oya kuyidinga ukuyisebenzisela intlawulo ephantsi.
Intsingiselo yemali mboleko
Imali mboleko yemali-mboleko yimali-mboleko ekhuselekileyo ekuvumela ukuba ufumane imali ngokubeka ipropathi yokwenyani, njengekhaya okanye ipropathi yeshishini, njengesibambiso sombolekisi. Umbolekisi uyayigcina i-asethi ude uyibuyise imali oyibolekileyo.
Unokufumana imali mboleko yendlu okanye imali mboleko yeshishini ukuze uthenge nje ikhaya okanye ishishini, ngokulandelelanayo. Ngokwahlukileyo, imali-mboleko kwipropati ayinayo imiqobo yokusetyenziswa kokuphela. Yisebenzise ukuxhasa ngezimali imfundo yomntwana wakho phesheya, umtshato, ukulungiswa kwekhaya, unyango, njl. Unokuthatha inzuzo yeyona mali mboleko yepropathi ekhawulezayo ye-Bajaj Finserv kwaye ube nemali kwiakhawunti yakho kwiintsuku ezi-3* zokuvunywa.
Kuthetha ukuthini ukuboleka indlu kwi-monopoly?
I-Home equity lixabiso lendlu yakho thabatha isixa osibambayo kwimali mboleko yakho yendlu okanye yendlu mboleko. Xa uqala ukuthenga ikhaya, ixabiso lendlu yakho liyafana nentlawulo ephantsi. Ukuba uthenga indlu nge-$ 250.000 kunye nentlawulo ephantsi ye-$ 25.000, uqala nge-$ 25.000 ye-equity yasekhaya. Emva kokuba uthenge ikhaya, ixabiso le-net value yakho lingatshintsha kwaye kulindeleke ukuba linyuke.
Kwiminyaka yokuqala yobunini bendlu, ibhili eninzi yenyanga isiya ekuhlawuleni inzala kunokuhlawula inqununu. Oku kuthetha ukuba iintlawulo zezindlu ezinokuthi zenze umrhumo nje omncinane kwixabiso lekhaya. Unokukwazi ukwakha i-net exabisa ngokukhawuleza ngokuhlawula ngaphezu kwenyanga nganye, ukwenza intlawulo eyongezelelweyo yokuboleka imali ngonyaka, okanye ukuya kwiintlawulo ze-biweekly mortgage. Ukwenza iintlawulo ezongezelelweyo kukwanceda ukuba wonge kwinzala kuba uyihlawula ngokukhawuleza imali-mboleko yakho.
Umzekelo, ukuba uthenge ikhaya lakho kwiminyaka emihlanu eyadlulayo nge-250.000 yeedola kwaye ixabiso langoku lemarike yekhaya lakho li-300.000 yeedola, loo -$50.000 eyongezelelweyo iba yinxalenye yexabiso lakho lemali. Oku kuhle kuba ukunyuka kwamaxabiso asekhaya kunokukunceda ukhulise ixabiso.
