Ndingayifumana imali yokubambisa imali?
Ukuba isicelo sakho semali-mboleko siyakhatywa, kukho izinto ezininzi onokuzenza ukuze uphucule amathuba akho okuvunywa kwixesha elizayo. Musa ukukhawuleza uye komnye umbolekisi, njengoko isicelo ngasinye sinokuvela kwifayile yakho yetyala.
Naziphi na iimali mboleko oye waba nazo kule minyaka mithandathu idlulileyo ziya kubonakala kwirekhodi yakho, nokuba uzihlawule ngexesha. Kusengabala ngokuchasene nawe, njengoko ababolekisi benokucinga ukuba awuzukwazi ukuhlawula uxanduva lokuba nemali-mboleko.
Ababolekisi abafezekanga. Uninzi lwazo lufaka idatha yesicelo sakho kwikhompyuter, ngenxa yoko awunakunikwa imali mboleko ngenxa yempazamo kwifayile yakho yetyala. Umbolekisi akunakwenzeka ukuba akunike isizathu esithile sokungaphumeleli kwisicelo sekhredithi, ngaphandle kokuba sinxulumene nefayile yakho yekhredithi.
Ababolekisi baneenqobo zokubhala phantsi ezahlukeneyo kwaye bathathele ingqalelo inani lezinto xa bevavanya isicelo sakho semali-mboleko. Zinokusekelwe kwindibaniselwano yobudala, umvuzo, ubume bengqesho, umlinganiselo wemali-mboleko-kwixabiso, kunye nendawo yepropathi.
Ngaba ndingafumana imali yokuthenga indlu ngokwam?
Ixesha le-amortization lixesha elithathwayo ukuhlawula yonke imali-mboleko, kuquka nenzala. Eli xesha lingafikelela kwiminyaka engama-25 ukuba imali yokubambisa ifakwe kwi-inshurensi ngokuchasene nokusilela, ukuya kuthi ga kwiminyaka engama-30 ukuba akunjalo. Kwimali-mboleko entsha, idla ngokuba yiminyaka engama-25.
Inqununu ye-mortgage sisixa semali ebolekwe kumbolekisi. Ukuba i-mortgage yi-$ 250.000, inqununu ye-mortgage yi-$ 250.000. Inqununu, kunye nenzala, ihlawulwa kumbolekisi emva kwexesha ngeentlawulo ze-mortgage.
I-inshurensi ye-mortgage engagqibekanga ikhusela umbolekisi ukuba awukwazi ukubuyisela imali-mboleko yendlu. Uyayidinga le inshurensi ukuba une-high-ratio mortgage, kwaye ihlala yongezwa kwinqununu ye-mortgage yakho. I-mortgage ngumlinganiselo ophezulu xa intlawulo ephantsi ingaphantsi kwe-20% yexabiso lepropati.
Iziphumo zisekelwe kulwazi olunikezayo, kuqikelelo kunye neengqikelelo apho iimali ezilayishwe kwangaphambili zisekelwe phezu kwamazinga enzala, ngeenjongo zokubala, acingelwa ukuba ahlala angaguquguquki kulo lonke ixesha. Amaxabiso okwenene anokwahluka kwaye aya kuchaphazela imali onokuyiboleka.
IiCententarios
I-mortgage yimali-mboleko evela ebhankini okanye i-mortgage loan ukunceda ukuthengwa kwendlu ngaphandle kokuhlawula ixabiso elipheleleyo lekhaya ngaphambili. Ngenxa yeendleko eziphezulu zokuthenga ikhaya, phantse bonke abathengi basekhaya bafuna inkxaso-mali yexesha elide ukuze bathenge ikhaya. Ipropati ngokwayo isebenza njengesibambiso, inika isibambiso kumbolekisi xa umboleki engakwazi ukubuyisela imali mboleko.
Intlawulo yokubambisa idla ngokuba yinyanga. Iquka inxalenye yenqununu (isixa esipheleleyo semali ebolekiweyo) kunye nenzala (ixabiso olihlawulayo ukuze uboleke imali kumbolekisi), yaye ngokufuthi iirhafu zepropati, i-inshorensi yomnini-mzi, ne-inshurensi yokubambisa yabucala.
Ndingasifumana isibali sokubambisa?
Kukho amaziko emali amaninzi anika iimali-mboleko kubantu abathenga ipropati, umzekelo, iinkampani zokuboleka imali kunye neebhanki. Kuya kufuneka ufumanise ukuba ungayithabatha na imali-mboleko kwaye, ukuba kunjalo, yimalini (ukufumana ulwazi oluthe kratya malunga nezindlu zokubambisa, bona icandelo le-Mortgages).
Ezinye iinkampani zokubambisa zibonelela abathengi ngesatifikethi esichaza ukuba imali-mboleko iya kufumaneka ukuba nje ipropati iyanelisa. Ungasifumana esi satifikethi phambi kokuba uqalise ukukhangela ikhaya. Iinkampani ezithengisa izindlu nezindlu zibanga ukuba esi satifikethi sinokukunceda ukuba umthengisi amkele isithembiso sakho.
Uya kufuneka uhlawule idiphozithi ngexesha lokutshintshiselana kwezivumelwano, iiveki ezimbalwa ngaphambi kokuba ukuthengwa kugqitywe kwaye imali ifunyenwe kumbolekisi we-mortgage. Idiphozithi idla ngokuba yi-10% yexabiso lokuthenga ikhaya, kodwa inokwahluka.
Xa ufumana ikhaya, kufuneka ulungiselele ukujonga ukuze uqiniseke ukuba yiloo nto oyifunayo kwaye ufumane ingcamango yokuba kuya kufuneka uchithe imali eyongezelelweyo kwikhaya, umzekelo ukulungiswa okanye ukuhlobisa. Kuqhelekile ukuba umntu onokuba ngumthengi andwendwele indawo kabini okanye kathathu ngaphambi kokuba enze isigqibo sokwenza umnikelo.
