Mingaphi iminyaka endinokuyifumana imali yokuthenga indlu?
Musa ukuzikhathaza ngombolekisi. Umgaqo omnye wobhontsi uyasebenza, nokuba mdala kangakanani na: Logama nje iintlawulo zakho zokubambisa zingadluli kwi-45% yomvuzo wakho uwonke, kufuneka ukwazi ukuyifumana. Kwaye ekubeni uKhuseleko lweNtlalo kunye nengeniso yomhlalaphantsi-eyokugqibela ukuya kumda wesiqinisekiso somanyano we-4653,41 yeedola ngenyanga ngo-2012-yeyona nto isondeleyo kwinto eqinisekileyo kwezi ntsuku, umbolekisi kufuneka aqinisekiswe.kunemivuzo eqhelekileyo, enokuphela. ngequbuliso nangaliphi na ixesha.
Kwenzeka kanye oko ukuba nam ndisenokuba kwimeko efanayo. Mna nomfazi wam sasine-7/1 ye-mortgage eyalungisa izinga lenzala iminyaka esixhenxe kwaye emva koko safudukela kwinqanaba eliguquguqukayo, apho sikhoyo ngoku. Ke sijonge ukutshintshela kwiminyaka engama-30 emiselweyo. Ngeliphandle, into yobudala ayizange yenzeke kum, kodwa ndicinga ukuba oko kungenxa yokungakhuli kwam okuzinikeleyo.
Xa ndiqwalasela ezinye iindlela zokubambisa, eyona nto iphambili kukuba siceba ukuhlala ixesha elingakanani kwikhaya lethu langoku. Yiyo loo nto ndingakhange ndifake isicelo seminyaka engama-30 yohlaziyo oluzinzileyo malunga ne-300.000 yeedola eseleyo kwimali yokubambisa.
Ngaba ndingafumana imali-mboleko yeminyaka engama-30 kunye neminyaka engama-40?
Kwasekuqaleni, impendulo nguewe, unokufumana imali-mboleko ukusuka kwiminyaka engama-40. Nangona kunjalo, oku kuxhomekeke kwimeko yakho. Kwezinye iimeko, xa ixesha lokubambisa lidlulela ngaphaya kweminyaka obulindeleke ukuba uthathe umhlala-phantsi, unokucelwa ukuba unike uqikelelo lomvuzo wakho womhlalaphantsi kumbolekisi wakho. Kule minyaka mibini idlulileyo, xa besisebenzisana nabathengi abaphakathi kweminyaka engama-45 nama-54 abazicelo zabo zikhatyiweyo, isizathu sokukhatywa bubudala.
Kwixesha elidlulileyo, xa ubusiya kwinkampani yokubambisa ukuze ufake isicelo semali-mboleko, ubuya kwenza idinga nomphathi wesebe okanye umcebisi ngezezindlu. Oku kwakuphambi kwamanqaku ekhredithi ekhompyutheni kunye nemimiselo esiyaziyo namhlanje. Kwinkqubo yokwenza isigqibo malunga nokuvunywa kwesicelo sakhe, abaphathi bajonga iimeko zakhe zomntu, umzekelo, ekulawuleni i-akhawunti yakhe yangoku. Ukuba bagqibe ekubeni basamkele isicelo sakho, baye bakwazisa ngemali onokuyiboleka. Ezi ziphindaphindo zengeniso azithatheli ngqalelo ubudala, ngoko unokucela isixa esifanayo ukuba ubukwi-30s okanye i-50s yakho. Nangona oku kubonakala kulungile, cinga ukuba bobabini abafaki-zicelo baza kuthatha umhlala-phantsi kwiminyaka engama-65, oku kuya kuba neziphumo ezahlukileyo kubo bobabini abantu. Makhe sijonge lo mzekelo wokusebenzisa i-70.000 ye-mortgage (inqununu kunye nenzala) kunye nenqanaba lenzala ye-5%.
Ngaba ndingafumana imali mboleko yeminyaka engama-35 kwi-40?
*Amaxabiso ahlaziywa rhoqo kwaye angatshintshwa ngaphandle kwesaziso. Ireyithi yakho yokwenyani isekelwe kumgangatho wetyala lakho, intlawulo ephantsi, ixesha lemali-mboleko kunye nemali oyifumeneyo. Ixesha lokuvala ireyithi yi-4:00 PM EDT. Naziphi na izicelo zebhloko ezifunyenwe emva ko-4:00 PM EDT ziya kuxhomekeka kwiireyithi ezithunyelwe ngomso. Inzala ebonisiweyo isekelwe kwisixa-mali semali-mboleko ye-$200.00, ikhaya lentsapho enye njengendawo yokuhlala esisiseko, ukutshixeka kwexabiso leentsuku ezingama-45 (ukuthenga), ukutshixeka kweentsuku ezingama-60 (ngemali-mboleko), ikhredithi engama-740 kunye nemali-mboleko. -to-value ratio ye-80%. Amanqaku esaphulelo angasebenza. Imigaqo kunye neemeko zinokutshintshwa nangaliphi na ixesha ngaphandle kwesaziso.
Imali-mboleko ixhomekeke kukufaneleka kwelungu lemanyano yamatyala, ukuvunywa kwetyala, kunye nokuqinisekiswa kolwazi olunikezelweyo kwisicelo. Imigaqo kunye neemeko zinokutshintshwa nangaliphi na ixesha ngaphandle kwesaziso.
Ngaba ndingafumana imali-mboleko yeminyaka engama-30 kwiminyaka engama-55?
Ekubeni i-Mortgage Market Review (MMR) yaziswa ngo-2014, ukufaka isicelo se-mortgage kunokuba nzima kwabanye: ababolekisi kufuneka bahlole ukufikeleleka kwaye bathathele ingqalelo inani lezinto, kuquka iminyaka.
Injongo kukuqinisekisa ukuba abantu abathatha umhlala-phantsi abanamali-mboleko engafikelelekiyo kubo. Kuba imivuzo yabantu ithande ukwehla xa beyekile ukusebenza kwaye baqokelele imali yabo yomhlalaphantsi, iRisk Management Regulations ikhuthaza ababolekisi nababoleki ukuba bahlawule imali yokubambisa ngaphambi koko. Nangona kunjalo, oku akusoloko kusenzeka okanye kusebenzele wonke umntu, kwaye abanye ababolekisi badibanisa oku ngokubeka imida yeminyaka yokubuyisela imali mboleko. Ngokuqhelekileyo, le mida yobudala i-70 okanye i-75, ishiya ababoleki abaninzi abadala kunye neendlela ezimbalwa.
Isiphumo sesibini sale mida yobudala kukuba imimiselo ifinyeziwe, oko kukuthi, kufuneka ihlawulwe ngokukhawuleza. Kwaye oku kuthetha ukuba imirhumo yenyanga iphezulu, enokuthi ibenze bafikeleleke. Oku kukhokelele kwizityholo zocalulo lobudala, ngaphandle kweenjongo ezintle zeRMM.
NgoMeyi ka-2018, u-Aldermore uphehlelele imali yokubambisa onokuthi ube nayo ukuya kuthi ga kwiminyaka engama-99 #JusticeFor100yearoldmortgagepayers. Kwangaloo nyanga inye, uMbutho Wokwakha Iintsapho wandisa ubudala bawo obona buninzi ekupheleni kwelo candelo ukuya kutsho kwiminyaka engama-95. Abanye, ubukhulu becala iinkampani zokubambisa, zibuphelise ngokupheleleyo ubudala obuphezulu. Nangona kunjalo, abanye ababolekisi besitrato esiphakamileyo basanyanzelisa umda weminyaka engama-70 okanye engama-75, kodwa ngoku kukho ukuguquguquka ngakumbi kubaboleki abadala, njengoko kwiLizwe lonke kunye neHalifax bandise umda weminyaka ukuya kuma-80.
