I-avareji yobude be-mortgage e-UK
Ubude bexesha lokubambisa ngomnye wemibuzo ephambili evela kwinkqubo yokufaka isicelo semali mboleko. Umyinge wexesha lemali-mboleko yemali-mboleko iphakathi kwe-25 kunye ne-30 yeminyaka. Okukhona ixesha lemali-mboleko lide, kokukhona izavenge zenyanga ziya kuba zingabizi kakhulu.
Nangona kunjalo, amanqanaba okuqala emali mboleko abandakanya inzala emiselweyo phakathi konyaka omnye kunye neshumi. Oku kukodwa kunokubhida, ngakumbi ukuba umtsha kwihlabathi lezindlu zokubambisa. Ukuba ufumanisa ukuba uyazibuza malunga nomahluko phakathi kwamaxabiso okuqala kunye nexesha elipheleleyo le- mortgage, qiniseka ukuba awuwedwa.
Xa ufaka isicelo semali mboleko, uthatha isigqibo sokuba kufuneka ulihlawule ixesha elingakanani na. Iimali mboleko ezinde zineentlawulo ezincinci zenyanga kodwa ekuhambeni kwexesha zibiza ngaphezulu, kuba kudla ngokubakho inzala eninzi enxulumene nemali-mboleko.
Ukuba i-mortgage ibanjwe kwi-2019 kunye nesicwangciso se-amortization yeminyaka engama-25, yonke i-mortgage iya kuhlawulwa ngo-2044. Imiqathango engaphantsi kweminyaka engama-20 ithathwa njengexesha elifutshane kwaye loo minyaka engaphezu kwe-30 ibizwa ngokuba yithuba elide.
Iinketho zexesha lokubolekwa kwezindlu
Igama elithi "imali-mboleko emiselweyo" libhekisa kwimali-mboleko yendlu enenzala emiselweyo ngexesha lonke lemali-mboleko. Oku kuthetha ukuba i-mortgage inezinga lenzala eqhubekayo ukusuka ekuqaleni ukuya ekupheleni. Ixabiso elimiselweyo lokubolekwa kwezindlu yimveliso edumileyo kubathengi abafuna ukwazi ukuba baya kuhlawula malini nyanga nganye.
Kukho iintlobo ezininzi zeemveliso ze-mortgage kwimarike, kodwa zehla zibe ziindidi ezimbini ezisisiseko: iimali mboleko eziguquguqukayo kunye nemali-mboleko yezinga elimiselweyo. Kwiimali-mboleko eziguquguqukayo, inzala imiselwa ngaphezulu kwereferensi ethile kwaye emva koko ihla inyuka, itshintsha ngamaxesha athile.
Kwelinye icala, iimali-mboleko ezimiselweyo zigcina inzala efanayo ngalo lonke ixesha lemali-mboleko. Ngokungafaniyo nexabiso lemali yokubambisa eliguquguqukayo kunye nohlengahlengiso, imilinganiselo emiselweyo yokubambisa imali ayiguquguquki kwimarike. Ke ngoko, inzala kwimali-mboleko yemali emiselweyo ihlala ifana nokuba inzala iyenyuka okanye iyehla.
I-Adjustable-rate mortgages (ARMs) luhlobo oluthile lwemihlanganisela phakathi kweemali-mboleko zomlinganiselo omiselweyo kunye nomlinganiselo oguquguqukayo. Inzala yokuqala imiselwe ixesha elithile, ngokwesiqhelo iminyaka emininzi. Emva koko, izinga lenzala lihlengahlengiswa ngamaxesha athile, ngamaxesha onyaka okanye kwanenyanga.
i-mortgage yexesha elifutshane
Ukukhetha i-mortgage yinxalenye ebalulekileyo yenkqubo yokuthenga ikhaya. Ukukhetha imali-mboleko yeminyaka eli-15 endaweni yekota yeminyaka engama-30 ivakala njengentshukumo ekrelekrele, akunjalo? Akunjalo. Ukukhetha ixesha elifutshane lokubambisa kunenzuzo ethile yokonga inzala. Nangona kunjalo, ukuba umvuzo wakho uphantsi kakhulu kwixesha le-15 leminyaka, imali-mboleko yeminyaka engama-30 iya kuba nexabiso eliphantsi ngenyanga. Ukuba awuqinisekanga malunga nokuba loluphi uhlobo lwemali mboleko oza kuyikhetha, jonga apha ngezantsi ukuze ufumanise ukuba yeyiphi ekulungeleyo.
Umahluko ophambili phakathi kweminyaka eyi-15 kunye ne-30 yeminyaka yokuboleka imali kukuba iintlawulo kunye nenzala ziqokelelana njani. Ngemali-mboleko yeminyaka eli-15, iintlawulo zakho zenyanga ziphezulu, kodwa uya kuhlawula ngaphantsi kwenzala iyonke. Ngemali-mboleko yeminyaka engama-30, okuchaseneyo kudla ngokuba njalo. Uya kugqiba ukuhlawula ngaphezulu kwendlu yakho ngenxa yenzala. Kodwa iintlawulo zokubambisa zihlala ziphantsi.
Xa uzama ukwenza isigqibo malunga nexesha le-mortgage, cinga malunga neyona nto ilungele uhlahlo lwabiwo-mali lwakho. Zama ukulinganisa iindleko zizonke. Umzekelo, masithi ufuna ukuboleka i-150.000 yeedola ukuze uthenge indlu. Unokukhetha phakathi kwe-15-year-mortgage rate kwi-4,00% okanye i-30 ye-mortgage rate kwi-4,50%. Kwisicwangciso seminyaka eyi-15, intlawulo yakho iya kuba malunga ne-1.110 yeedola ngenyanga, ingabandakanyi i-inshurensi kunye neerhafu. Uya kugqiba ukuhlawula kufutshane ne-50.000 yeedola kwinzala kubomi bemali-mboleko.
Isibali Sexesha le-Mortgage
Umyinge wexesha lokubuyisela imali kwi-mortgage yiminyaka engama-25. Nangona kunjalo, ngokophononongo olwenziwe yi-mortgage broker L&C Mortgages, inani labathengi bokuqala bemali-mboleko yeminyaka engama-31 ukuya kwengama-35 liphindeke kabini phakathi kuka-2005 no-2015.
Masithi uthenga ipropathi eyi-£250.000 ngexabiso le-3% kwaye unediphozithi engama-30%. Ukuboleka i-£175.000 kwiminyaka engama-25 kuya kukubiza i-£830 ngenyanga. Ukuba iminyaka emihlanu yongezwa, intlawulo yenyanga iyancitshiswa ibe yi-738 pounds, ngelixa i-35-year mortgage ibiza kuphela i-673 pounds ngenyanga. Leyo yi-1.104 yeponti okanye i-1.884 yeponti ngaphantsi ngonyaka.
Nangona kunjalo, kufanelekile ukujonga isivumelwano semali mboleko ukuze ubone ukuba ungahlawula ngaphezulu na. Ukukwazi ukuyenza ngaphandle kwezohlwayo kukunika ukuguquguquka ngakumbi ukuba unonyuso okanye umoya wemali. Unako kwakhona ukuhlawula isixa sekhontrakthi ukuba amaxesha aba nzima.
Kufanelekile ukucinga ngako, njengoko nayiphi na imali eyongezelelweyo oyifaka kwi-mortgage yakho ngaphezu kwesixa-mali esiqhelekileyo senyanga siya kufinyeza ubude bemali-mboleko, okonga inzala eyongezelelweyo kubomi bemali-mboleko.
