Iindidi ezilungileyo kakhulu zokubolekwa kwezindlu zesibini
Phantse iikota ezintathu zezigidi zemizi eNgilani zinekhaya lesibini, malunga nesiqingatha sesigidi e-UK, ngokutsho kwamanani asemthethweni.Ukuba ucinga ukuthenga ipropati yesibini, kukho izinto ezininzi ekufuneka uziqwalasele kuqala. .
Iphezulu idipozithi onokuthi uyibeke phantsi, isezantsi inzala oza kuyifumana kwi-mortgage, ngoko kuya kufuneka uhlawule imali encinci iyonke. Kungcono ukuba nediphozithi enkulu kangangoko kunokwenzeka.
Konke kuxhomekeke kwiimeko zakho, ukuba yimalini oyichithayo kwipropati, uphando olwenzileyo kunye nento oceba ukuyenza ngepropati ukuze ubone ukuba lutyalo-mali olulungileyo. Unokufunda ngakumbi malunga notyalo lwezindlu nomhlaba apha.
Kodwa unokuyibona njengendlela yokutyala imali kwiiholide zakho ezizayo kunye nento oza kuyithengisa kwixesha elizayo. Ukuba uyazibuza ukuba kusekho ixesha elifanelekileyo lokutyala imali kwipropati, khangela inqaku lethu apha.
I-mortgage yekhaya nayo ifanelekile ukuqwalasela ukuba uba "ngumninimzi ngengozi." Usenokuba unepropati ulilifa kodwa sele unendlu engundoqo, okanye unokuba nobunzima bokuthengisa ikhaya lakho kwaye unyanzeleke ukuba ulirente.
Ababolekisi bezindlu zesibini
I-mortgage yokuqala yi-principal lien kwipropati. Njengemali-mboleko esisiseko ehlawula ipropati, ithatha indawo yokuqala kuzo zonke ezinye iimali-mboleko okanye amabango kwipropati xa kukho ukusilela. I-mortgage yokuqala ayilo mboleko kwikhaya lokuqala lomboleki; yimali-mboleko yokuqala ekungenwe kuyo kuyo nayiphi na ipropati. Ikwabizwa ngokuba yi-lien yokuqala. Ukuba ikhaya lihlaziywa ngokutsha, i-mortgage refinanced ithatha indawo ye-mortgage yokuqala.
Xa umntu efuna ukuthenga indawo ethile, unokugqiba ekubeni akuxhase ngemali ukuyiboleka imali kwiziko elibolekisa ngemali ebizwa ngokuba yimali-mboleko. Umbolekisi ulindele ukuba imali-mboleko yendlu okanye i-mortgage ihlawulwe ngezavenge zenyanga, ezibandakanya inxalenye yenqununu kunye neentlawulo zenzala. Umbolekisi uya kuba ne-lien kwipropati kuba imali-mboleko ikhuselwe likhaya. Le mali yokubambisa ithathwa ngumthengi ukuze athenge ikhaya yaziwa ngokuba yimali yokubambisa kuqala.
I-mortgage yokuqala yimali-mboleko yokuqala ethathwe kwipropati. Umthengi wendlu unokuba neepropati ezininzi egameni lakhe; nangona kunjalo, i-mortgages yokuqala ethathiweyo ukukhusela nganye kwiipropati zenza i-mortgage yokuqala. Ngokomzekelo, ukuba umnini-ndlu uthatha imali-mboleko kwizindlu zabo ezintathu, i-mortgage nganye kwi-mortgage yesithathu yi-mortgage yokuqala.
Ndingayihlawula malini indlu yesibini?
Ngokuqhelekileyo, izinga lenzala kwiipropati zotyalo-mali liphakathi kwe-0,5% kunye ne-0,75% ephezulu kunemilinganiselo yemarike. Kwimeko yekhaya lesibini okanye ikhaya leholide, liphezulu nje kancinci kunomlinganiselo wenzala onokukhethwa kwikhaya elingundoqo.
Ngokuqinisekileyo, imilinganiselo yokubolekwa kwezindlu kwiipropati zotyalo-mali kunye nezindlu zesibini ziyaqhubeka zixhomekeke kwizinto ezifanayo njengemilinganiselo yokubolekwa kwezindlu. Eyakho iya kwahluka ngokusekwe kwimarike, umvuzo wakho, amanqaku akho etyala, indawo okuyo, kunye nezinye izinto.
Ababolekisi balindele ukuba ikhaya leholide okanye ikhaya lesibini lisetyenziswe nguwe, usapho lwakho, kunye nabahlobo bakho ubuncinci benxalenye yonyaka. Nangona kunjalo, uhlala uvunyelwe ukuba ufumane umvuzo wokurenta kwikhaya xa ungasebenzisi. Izikhokelo zengeniso yerenti ziyahluka ngokomboleki.
Ukuthenga ikhaya lesibini okanye ikhaya leholide kufuna amanqaku aphezulu etyala, ngokuqhelekileyo kuluhlu lwama-640 okanye ngaphezulu. Ababolekisi nabo baya kukhangela amatyala amancinci kunye nokufikeleleka ngakumbi, oku kuthetha ukuba umlinganiselo wetyala ukuya kwingeniso. Oovimba abalungileyo (iimali ezongezelelweyo emva kokuvalwa) nazo ziluncedo kakhulu.
Amazinga emali-mboleko aphezulu kakhulu kwiipropati zotyalo-mali. Amaxesha amaninzi inzala iya kuba yi-0,5% ukuya kwi-0,75% ephezulu kwipropathi yotyalo-mali kunokuba bekuya kuba njalo ukuba uthenga ikhaya elinye njengendawo yakho yokuqala yokuhlala.
Inzala kwimali-mboleko yezindlu zesibini xa kuthelekiswa nekhaya eliphambili
Ixesha leeholide zasehlotyeni lenza abantu abaninzi bonwabe, kodwa kwabanye, unyaka wonke ukulangazelela ikhaya lesibini kuzisa i-melancholy. Ukuba ungomnye waba bantu bangathanda ukufumana indawo yokubaleka impelaveki kunye neeholide ezinde, ezonqenayo ngalo lonke ixesha lonyaka, ingqwalasela yakho yokuqala kufuneka ibe yindlela yokufikelela obo bunewunewu.
Ayizizo zonke izindlu zeeholide ezixabisa kakhulu, kunjalo, kodwa nangona ikhaya lesibini elifikelelekayo, ufuna ukuqiniseka ukuba ibhajethi yakho inokusingatha inqununu yenyanga eyongezelelweyo kunye neentlawulo zenzala kwi-mortgage, irhafu yepropathi, i-inshurensi yabaninikhaya kunye nayo nayiphi na imirhumo yombutho wabanikazi bezindlu. Ungalibali ukushiya indawo kuhlahlo lwabiwo-mali lwakho lolondolozo lwesiqhelo, amatyala aluncedo kunye nokuba nokwenzeka kolungiso olukhulu.
Kubathengi abaninzi bezindlu, i-FHA-insured loan yeyona ndlela ilungileyo kuba ezi mboleko zifuna intlawulo ephantsi ye-3,5% kuphela, kwaye ababolekisi banikezela ngemali mboleko nakubaboleki abanamanqaku aphantsi amatyala, ukuya kuthi ga kwi-580 okanye angaphantsi kwezinye iimeko. Nangona kunjalo, abathengi bezindlu zesibini abanako ukusebenzisa imali mboleko ye-FHA ekuthengeni kwabo; Ezi mboleko zilinganiselwe kuphela kumakhaya ayindawo yokuhlala eyintloko yababoleki.
