Ndingasebenzisa i-equity kwikhaya lam ukuthenga elinye?
I-ICS Mortgages okwangoku ingumboneleli okhokelayo wezemali kwizindlu ezintsha zokuthenga ukuze uvumeleke ukubambisa eIreland. Ukongeza ekuboneleleni ngemali yokubambisa ukuze kuthengwe izindlu ezirentwayo, banamava abanzi ekuhlawuleni ngokutsha iipotfoliyo zepropathi yokuhlala.
Isenokuba yinkxaso-mali ngokuthe ngqo okanye ibandakanye ukukhululwa kwenkunzi ukuze kukhule ipotifoliyo. Izisombululo zabo ezisemgangathweni zokubuyisela imali zivulelekile kubo bonke abafaki-zicelo kwaye ipotifoliyo elungiselelweyo yokubuyisela imali iyafumaneka kwabo bahlaziya ubuncinci bezakhiwo ezimbini ezinexabiso lemali-mboleko lilonke le-1,5 yezigidi. Ababoneleli ngeziqinisekiso ezinqamlezileyo
ukuvumela ulawulo lwepotfoliyo lula kunye nokubolekisa kwiiyunithi ezisetyenziselwa izinto ezixubeneyo, apho kukho indawo yokuhlala yepropati. Umxhasi ngamnye uncedwa ngomnye wabaphathi abaqeqeshiweyo bemali mboleko yezindlu, oqinisekisa ukuba inkqubo ihambe kakuhle kwaye iyasebenza. Baboleka: Ezona mpawu ziphambili zemveliso zezi: Kutheni le nto abatyali-mali bezindlu zokuhlala behlawula ngokutsha iipotfoliyo zabo zokuthenga ukuze bavumele? I-ICS Mortgages ifumene amabhaso amaninzi kushishino ngemveliso entsha yokubambisa kunye nonikezelo lwenkonzo, kubandakanywa iMortgage eBalaseleyo yoTyalo-mali lwePropati ka-2019 evela kuMbutho wabaCebisi nge-Mortgage Mortgage ka-2019.
Ndine- mortgage kwaye ndifuna ukuthenga enye indlu
Funda ngakumbi Izinga lenzala yase-UK: omawulindele kwaye ulungiswe njaniInqanaba lesiseko seBhanki yaseNgilani lizinga lokuboleka elisemthethweni kwaye ngoku limi kwi-0,1%. Lo mlinganiselo wesiseko unefuthe kumazinga enzala e-UK, anokunyusa (okanye athobe) amaxabiso emali mboleko kunye neentlawulo zakho zenyanga.Funda ngakumbiYintoni i-LTV? Indlela yokubala i-LTV – i-Loan to Value Ratio I-LTV, okanye imali-mboleko-kwixabiso, ubukhulu bemali-mboleko xa kuthelekiswa nexabiso lepropati yakho. Ngaba unayo imali eyaneleyo yokufumana awona maxabiso angcono okubambisa?
Ukuhlaziya indlu ukuthenga enye indlu
Ukuba kuyenzeka. Ukuthenga ipropathi yesibini, mhlawumbi njengotyalo-mali lokurenta okanye ngenxa yokuba unesizathu esivakalayo sokuba nekhaya lesibini, zizizathu eziqhelekileyo zokuhlawula imali-mboleko yakho. Akukho sizathu sokuba i-equity owakhe kwikhaya lakho lokuqala ingasetyenziselwa ukufumana enye.
Kuya kufuneka uxelele umcebisi wakho wemali mboleko ngesizathu sendlu yakho yesibini. Oku akuyi kubavumela kuphela ukuba bakukhethele imveliso yemali-mboleko efanelekileyo, kodwa iya kuthathelwa ingqalelo ngababolekisi ekuqinisekiseni ukuba nokwenzeka kwayo.
I-mortgage enenzala kuphela yokuthenga kunye nerenti yindlela esemgangathweni yokuqala ipotifoliyo yepropathi, i-mortgage yokurentisa ngexesha leholide iya kukuvumela ukuba uthenge ipropati kunye nesicwangciso sokurenta sexesha elifutshane, kwaye ukuba ufuna ukufudukela kwipropati entsha kodwa ugcine. indlu yakho yoqobo kwaye uyiqeshise, inkqubo yokurenta-yeyakho ikuvumela ukuba uguqule iimeko ze-mortgage yakho ngokufanelekileyo.
Unokufuna ikhaya elincinci esixekweni ukunqanda ukuhamba, unokufuna ukuxhasa abazali bakho abadla umhlala-phantsi, okanye unokuba nomdla kwikhaya lakho leholide kusapho lwakho. Ukuthengwa kwendlu yesibini enemali yokubambisa eyongezelelweyo yokuhlala kunokuxhaswa ngemali ngokubuyisela ikhaya lakho eliphambili.
Indlela yokusebenzisa ipropati ekhoyo ukuthenga enye
Mhlawumbi ujonge ikhaya leholide elihle elunxwemeni, okanye indawo yotyalo-mali oza kuyirenta. Okanye mhlawumbi ufuna ukuthenga indawo ongathanda ukuhlala kuyo kamva, okanye ukuba akunjalo, abantwana bakho. Ukusebenzisa i-equity kwikhaya lakho langoku kunokukuvumela ukuba uthenge loo propati yesibini ngaphandle kwesidingo sediphozithi yemali.
Enye yeendlela zokusebenzisa i-equity yekhaya kukuhlawulela ngokutsha i-mortgage. Ukubuyisela imali yinkqubo yokutshintsha imali mboleko yezindlu, kwaye ukuxhasa ngemali, umbolekisi udla ngokufuna uvavanyo lwekhaya olusesikweni. Ukuba ixabiso layo linyukile, umbolekisi wakho unokukuvumela ukuba uphinde uhlawule imali-mboleko yendlu ngokusekelwe kwixabiso elitsha lepropati, kukuvumela ukuba uvule enye i-equity owakhileyo.
Ukuba onke amatyala adityaniswa kwipakethe enye enenzala ephantsi, kunokuba lula ukuyilawula; nangona kunjalo, kufuneka kuthathelwe ingqalelo ukuba la matyala exesha elifutshane aguqulwa abe yimali-mboleko yexesha elide, elithetha ixabiso eliphezulu lenzala ngokubanzi.
Ukuthatha imali-mboleko kutyalo-mali kwaziwa ngokuba "yi-leverage," kwaye unokuboleka kwi-equity yekhaya lakho ukutyalomali kwizinto ezifana nezitokhwe okanye ezinye izibambiso. Ukusebenzisa i-equity kwimali-mboleko yakho yokuboleka imali yotyalo-mali inokuba sisicwangciso esivakalayo, njengoko izinga lenzala kwimali mboleko yakho yendlu liya kuba sezantsi kunemali mboleko yakho okanye i-margin loan, kwaye inokuba yindlela elungileyo yokunyusa uwonke. ubutyebi. Isenokusebenza kakuhle irhafu, njengoko iindleko zotyalo-mali zidla ngokutsalwa.
