Adjustable rate mortgage in deutsch
Ukuba nekhaya liphupha labantu abaninzi. Kodwa masijongane nayo, ukuthenga indlu akubizi. Ifuna isixa esibalulekileyo semali uninzi lwethu olungasokuze lube nako ukunikela ngalo. Yiyo loo nto kusetyenziswa imali yokubambisa. Iimali mboleko zivumela abathengi ukuba bathenge ipropathi kwaye bayihlawule ngokuhamba kwexesha. Nangona kunjalo, inkqubo yentlawulo ye-mortgage ayisiyonto abantu abaninzi abayiqondayo.
Imali-mboleko ye-mortgage ihlawulwe, oku kuthetha ukuba isasazwa kwixesha elibekwe kwangaphambili ngeentlawulo ze-mortgage eziqhelekileyo. Emva kokuba elo xesha liphelile-umzekelo, emva kwexesha le-30 ye-amortization - i-mortgage ihlawulwe ngokupheleleyo kwaye indlu yeyakho. Intlawulo nganye oyenzayo imele indibaniselwano yenzala kunye ne-amortization eyintloko. Umlinganiselo womdla kwinqununu utshintsha kubo bonke ubomi be- mortgage. Into onokuthi ungayazi kukuba uninzi lwentlawulo yakho ihlawula inzala ephezulu kumanqanaba okuqala emboleko. Yiloo ndlela esebenza ngayo yonke into.
Inzala ye-mortgage yiloo nto uyihlawulayo kwimali-mboleko yakho yokubambisa. Isekelwe kwizinga lenzala ekuvunyelwene ngalo ngexesha lokusayina isivumelwano. Inzala ifunyenwe, nto leyo ethetha ukuba ibhalansi yemali-mboleko isekelwe kwinqununu kunye nenzala efunyenweyo. Iireyithi zinokulungiswa, ezihlala zizinzile kubomi bemali-mboleko yakho, okanye ukuguquguquka, okuhlengahlengiswa kumaxesha amaninzi ngokusekwe kukuguquguquka kwamaxabiso emarike.
Iinzuzo kunye neengozi zokubolekwa kwemali mboleko
Ngolu khetho lokubuyisela imali mboleko yomfundi onesidanga sokuqala, uya kuhlawula ngaphezulu ngeendleko ezipheleleyo zemboleko yakho yomfundi, kuba inzala engekahlawulwa iya kongezwa kwisixa-mali sakho esiyintloko ekupheleni kwexesha lakho lobabalo.
Hlawula inzala yakho nyanga nganye usesikolweni nakwixesha loxolelo. Umyinge wakho wenzala wemali-mboleko yomfundi onesidanga sokuqala uya kuba sezantsi ngepesenti enye kunokhetho olumisiweyo lwentlawulo. Abafundi bonyaka wokuqala banokonga i-1% 23 kwindleko iyonke yemali mboleko yabo ngokukhetha ukhetho lokubuyisela inzala endaweni yokhetho lokubuyisela olumisiweyo.
inzala kuphela kwi-mortgage
Ekubeni inzala iyafana, uya kuhlala uyazi xa uya kuhlawula imali yakho yokubolekwa kwezindlu Kulula ukuyiqonda ngaphezu kwe-mortgage yezinga eliguquguqukayo Uya kuqiniseka ukuba uyazi ukuba uhlahlo lwabiwo-mali lwentlawulo yakho ye-mortgage Ireyithi yenzala yokuqala idla ngokuba ngaphantsi kwe-A. Intlawulo esezantsi esezantsi inokukunceda ukuba ufumane imali mboleko enkulu Ukuba inqanaba lenqununu liyehla kwaye nenzala yakho iyehla, iintlawulo zakho ezininzi ziya kwinqununu.
Izinga lenzala lokuqala lidla ngokuba phezulu kunelo lentlawulo yemali-mboleko eguquguqukayo. Izinga lenzala lihlala lizinzileyo kulo lonke ixesha lokubambisa. Ukuba uyasaphula imali yokubambisa ngaso nasiphi na isizathu, izohlwayo ziya kuba phezulu kunentlawulo yemali-mboleko eguquguqukayo.
Umzekelo we-mortgage yezinga elimiselweyo
Xa uthenga ikhaya, unokukwazi ukuhlawula inxalenye yexabiso elithengiweyo kuphela. Imali oyihlawulayo yintlawulo ephantsi. Ukuhlawula zonke iindleko zokuthenga ikhaya, unokufuna uncedo lombolekisi. Imali-mboleko oyifumana kumbolekisi ukuze uncede ekuhlawuleleni ikhaya lakho yimali yokubambisa.
Xa uthengela i-mortgage, umbolekisi wakho okanye i-mortgage broker iya kukunika iindlela onokukhetha kuzo. Qinisekisa ukuba uyaziqonda iinketho kunye neempawu. Oku kuya kukunceda ukhethe i-mortgage ehambelana neemfuno zakho.
Ixesha le-mortgage lixesha lekhontrakthi ye-mortgage. Ibandakanya yonke into eyenziwa yikhontrakthi ye-mortgage, kubandakanywa izinga lenzala. Imiqathango inokususela kwiinyanga ezimbalwa ukuya kwiminyaka emi-5 nangaphezulu.
Ababolekisi bezindlu zisebenzisa imiba ukumisela isixa sentlawulo yakho yesiqhelo. Xa usenza intlawulo yokubambisa, imali yakho iya kwinzala kunye nenqununu. Inqununu yimali oyiboleke yona umbolekisi ukuze uhlawule iindleko zokuthenga ikhaya. Inzala yimali oyihlawula umbolekisi ngemali mboleko. Ukuba uyamkela i-inshurensi ye-mortgage yokuzikhethela, umbolekisi wongeza iindleko ze-inshurensi kwintlawulo yakho yokubambisa.
