Ngaba ndingafumana imali mboleko kwiminyaka engama-72?
I-mortgage ye-reverse yimali mboleko kubanikazi bezindlu abaneminyaka engama-62 nangaphezulu abafuna ukuboleka ngexabiso lendlu yabo ngaphandle kokwenza iintlawulo zenyanga. Le mveliso yokubambisa inokunceda abantu abadala abangenamali yeendleko zokuhlala. Inokuba luncedo kwabo bafuna ukwahlula imithombo yabo yengeniso yomhlalaphantsi kwaye bazikhusele kumngcipheko ofana nokuncipha kweemarike kunye nokuncipha kogcino-mali.
Ukuthatha imali-mboleko yendlu ebuya umva kukwathetha ukuchitha inxalenye enkulu yezabelo zendlu kwimirhumo yemali-mboleko kunye nenzala. Ukongezelela, imiqathango yemali-mboleko inokubeka umnini, iqabane, kunye neendlalifa emngciphekweni wokulahlekelwa yimali kunye nendawo yokuhlala.
I-mortgage ebuyela umva inokuba sisixhobo esibalulekileyo sokusombulula iingxaki kubantu abadala abayiqondayo indlela ezi mboleko zisebenza ngayo kwaye banesicwangciso sendlela abaza kuyisebenzisa ngayo imali yabo eyinkunzi. Nazi iimeko ezine apho le mboleko inokuba ngumbono olungileyo.
Ukuba ucinga nge-mortgage ebuyayo, kuya kufuneka ucwangcise ukuhlala kwikhaya lakho kwikamva elibonakalayo. Lo mgaqo ngokubanzi awuphelelanga ekubuyiseleni umva imali yokubambisa; Ngokuqhelekileyo akukho ngqiqweni ukufumana i-mortgage yexesha elitsha (njengemali-mboleko yokubuyisela imali) kwikhaya eliza kuthengiswa, nokuba. Isizathu? Iindleko zokuvala zemboleko.
Ngaba umntu oneminyaka engama-70 ubudala angafumana imali-mboleko?
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.
Imali-mboleko kawonke-wonke yabantu abadala
Nje ukuba ufikelele kwiminyaka engama-50, iinketho zokubambisa ziqala ukutshintsha. Oku akuthethi ukuba akunakwenzeka ukuthenga ikhaya ukuba uneminyaka yobudala okanye ekufutshane nomhlalaphantsi, kodwa kuyafaneleka ukwazi ukuba ubudala bunokuchaphazela njani ukuboleka imali.
Nangona ababoneleli abaninzi bemali-mboleko bebeka imida yobudala ephezulu, oku kuya kuxhomekeka ekubeni usondela kubani na. Kwaye, kukho ababolekisi abaziingcali kwiimveliso eziphezulu zokubambisa, kwaye silapha ukukukhomba kwicala elifanelekileyo.
Esi sikhokelo siya kuchaza impembelelo yobudala kwizicelo zokubambisa, ukuba ukhetho lwakho lutshintsha njani ngokuhamba kwexesha, kunye nesishwankathelo seemveliso ezikhethekileyo zokubambisa imali yomhlalaphantsi. Izikhokelo zethu malunga nokukhutshwa kwemali eyinkunzi kunye neemali mboleko zobomi nazo ziyafumaneka ngolwazi oluthe vetshe.
Njengoko ukhula, uqala ukubeka umngcipheko omkhulu kubaboneleli bezindlu eziqhelekileyo, ngoko kunokuba nzima ukufumana imali mboleko kamva ebomini. Ngoba? Oku kuvamise ukuba kungenxa yokuhla komvuzo okanye imeko yempilo yakho, kwaye rhoqo zombini.
Emva kokuba urholile, awusayi kuphinda ufumane umvuzo wesiqhelo emsebenzini wakho. Nokuba unomhlalaphantsi oza kubuyela kuyo, kunokuba nzima kubabolekisi bazi kakuhle ukuba uza kurhola ntoni. Umvuzo wakho nawo usenokuhla, nto leyo enokuchaphazela ukukwazi kwakho ukuhlawula.
Iimali zokubambisa zeSizwe kubantu abangaphezu kweminyaka engama-70 ubudala
“Ngoku bahlala kwikhaya labo lamaphupha, kufutshane nosapho lwabo, bazakhele imali yabo yomhlala-phantsi, kwaye akunyanzelekanga ukuba bahlawule indlu-mboleko ngelixa behlala endlwini. Yiyo loo nto esi sibini sineminyaka engama-62 ubudala sagqiba ekubeni sifumane imali-mboleko ngeli xesha lobomi baso,” utshilo uBill Parker, umqali wemali-mboleko ephezulu eWallick & Folk Inc. eScottsdale, eArizona.
Abantu abadala banokufumana iimali mboleko njengaye nabani na - konke kuxhomekeke kwingeniso, amanqaku etyala, kunye nemali ekhoyo. Nabantu abadala abangaphezulu kweminyaka engama-90 banokufumana imali-mboleko ukuba bayahlangabezana neemfuno zemali.
Nokuba siyintoni na isizathu, abantu abadala bangaphezulu kokukwazi ukufumana imali-mboleko. Ngokutsho kwe-Federal Trade Commission (FTC), abantu abadala bakhuselekile ngokuchasene nocalucalulo xa befumana imali mboleko yemali mboleko okanye naluphi na uhlobo lwetyala ngokusekelwe kwiminyaka yabo. Lo ngumthetho weEqual Credit Opportunity Act, umthetho womanyano okhusela ababoleki kumkhethe ngenxa yobudala, uhlanga, ibala, inkolo, isini, imvelaphi yesizwe, ubume bomtshato, okanye nokuba bafumane uncedo kuluntu.
