Ingeniso efunekayo kwi-mortgage ye-200.000
Ke ukuba ufumana i-£28.000, umda wakho onzima unokuba yi-£112.000. Singakwazi ukukunceda ukuba ufumane umbolekisi ofanelekileyo ukuze akunike i-£140.000 kwaye kwezinye iimeko nokuba i-168.000 yeedola, kodwa mancinci amathuba okuba ukwazi ukuyigqitha loo nto.
Khumbula ukuba isixa esicatshulweyo silingana nemboleko. Kulindeleke ukuba ubeke i-10% yediphozithi, ngoko ke i-206.000 ye-mortgage iya kukubeka emarikeni yendlu exabisa i-£ 228.889 okanye ngaphantsi.
Ukuphindaphinda umvuzo wakho kukunika ibhenchmark elungileyo, kodwa ukufikeleleka ngundoqo. Oku kuqinisekiswa ngokuthatha umvuzo wakho wenyanga kwaye utsale iindleko zakho zesiqhelo zenyanga kwaye ubone okuseleyo. Ukuba uqhele ukuvuthela yonke imali oshiye kuyo kwaye uphele unencinci kakhulu ekupheleni kwenyanga, oku kuya kusichaphazela isicelo sakho.
Nangona kunjalo, akufuneki ube nobunzima ukubala yonke into: fumana ngemizuzwana ukuba ungakulungela ukufumana imali mboleko ngekhatyhuleyitha yethu yokubambisa. Ayizukuxelela kuphela ubungakanani bendlu onokukwazi ukuyihlawula, kodwa iya kukunika ulwazi olubalulekileyo, olufana nesixa serhafu ebhaliweyo yezenzo zomthetho ekuya kufuneka uyihlawule nokunye okuninzi.
Ingeniso efunekayo kwi-300k yokubambisa
Ukuthenga ikhaya elinemali yokubambisa kudla ngokuba lolona tyalo-mali lobuqu lubalulekileyo lusenziwa ngabantu abaninzi. Ingakanani imali onokuyiboleka ixhomekeke kwizinto ezininzi, kungekhona nje ukuba ibhanki izimisele ukukuboleka kangakanani. Kufuneka uvavanye kungekuphela nje imali yakho, kodwa nezinto ozikhethayo kunye nezinto eziphambili.
Ngokuqhelekileyo, abaninzi abanokuba ngabanikazi bezindlu banokukwazi ukuxhasa ngemali ikhaya elinemali yokubambisa phakathi kwesibini kunye nesibini nesiqingatha somvuzo wabo wonyaka. Ngokwale fomula, umntu ofumana i-100.000 yeedola ngonyaka unokuhlawulela kuphela imali-mboleko ephakathi kwama-200.000 nama-250.000 eerandi. Nangona kunjalo, olu balo sisikhokelo nje ngokubanzi.
Ekugqibeleni, xa kusenziwa isigqibo ngepropati, izinto ezininzi ezongezelelweyo kufuneka ziqwalaselwe. Okokuqala, kuyanceda ukwazi ukuba umbolekisi ucinga ukuba ungafikelela njani (kunye nendlela abafike ngayo kolo qikelelo). Okwesibini, kuya kufuneka wenze uhlolo lobuqu kwaye ufumanise ukuba loluphi uhlobo lwendlu ozimisele ukuhlala kuyo ukuba uceba ukwenza oko ixesha elide kwaye zeziphi ezinye iintlobo zokusetyenziswa ozimisele ukuncama-okanye hayi- ukuhlala kuzo. ikhaya lakho.
Ingakanani ingeniso endiyidingayo kwi-mortgage ye-400 lamawaka
Ngaba ucinga ukuba umvuzo wakho uya kukunciphisa amandla akho okuthenga ikhaya? Isixa semali osenzayo sidlala indima encinci kunokuba ucinga xa kufikwa ekufumaneni imali-mboleko. Makhe sibone ukuba ingeniso ikuchaphazela njani ukuthengwa kwekhaya elikufanele kakhulu.
Ababolekisi bajonga kakhulu kunomvuzo wakho xa uthenga ikhaya. Umlinganiselo wetyala lakho kwingeniso (DTI) kunye nokukwazi kwakho ukwenza iintlawulo zokubambisa kubaluleke kakhulu kunomvuzo wakho. Baza kuthathela ingqalelo amanqaku akho etyala kunye nemali onayo yentlawulo ephantsi.
Isiqalo esilungileyo kukufumana ukwamkelwa kwangaphambili, ngakumbi ukuba awuqinisekanga ukuba ungafumana imali-mboleko kumvuzo wakho wangoku. Imvume yangaphambili yileta evela kumbolekisi wendlu ekuxelela ukuba yimalini onokuyiboleka. Xa uvunywe kwangaphambili, ababolekisi bajonga umvuzo wakho, ingxelo yetyala, kunye ne-asethi. Oku kuvumela umbolekisi ukuba akunike uqikelelo oluchanekileyo lokuba lingakanani na ikhaya onokuthi ulihlawule.
Ukwamkelwa kwangaphambili kuya kukunika uhlahlo lwabiwo-mali olufanelekileyo onokulusebenzisa xa uqala ukukhangela ikhaya. Nje ukuba uyayazi ibhajethi ojolise kuyo, ungakhangela kumakhaya athengiswayo ukuze ubone ukuba ngawaphi amaxabiso ngokubanzi. Luphawu oluhle lokuba ukulungele ukuthenga ukuba ufumana iinketho ezinomtsalane kuluhlu lwamaxabiso akho.
Ingeniso efunekayo kwi-mortgage ye-500 lamawaka
Ukuba ufuna ukufaka isicelo semali mboleko, isibali sethu semali mboleko siya kukunika umbono orhabaxa wokuba umbolekisi angakunika malini ngokusekwe kumvuzo wakho kwaye ukuba uthenga komnye umntu.
Iibhanki kunye nemibutho yokwakha ibonelela ngokuphindwe kane nesiqingatha umvuzo wonyaka wakho kunye nabani na othenga naye. Oku kuthetha ukuba ukuba uthenga wedwa kwaye urhole i-£30.000 ngonyaka, banokukunika ukuya kuthi ga kwi-£135.000.
Noko ke, kukho iimeko ezikhethekileyo. Ezinye iibhanki zibonelela ngemali mboleko yezindlu ezinkulu kubaboleki abanemivuzo ephezulu, iidiphozithi ezinkulu, okanye abasebenza kwimisebenzi ethile. Ukuba ufanelekile, unokuboleka ukuya kutsho kwisihlanu nesiqingatha somvuzo wakho.
Kwiimeko ezininzi, ababolekisi baya "kuvavanyo loxinzelelo" nasiphi na isicwangciso esicetywayo sembuyekezo yemali-mboleko ukuqinisekisa ukuba inokumelana nokunyuswa kwenzala yeepesenti ezintathu ubuncinane. IBhanki yaseNgilani icinga ukususa le mfuneko, nangona utshintsho alunakwenzeka ukuba luqalise ukusebenza kude kube yi-2023.
Ukuba unexabiso lemali-mboleko emiselweyo, ukonyuka kwenzala akusayi kukuchaphazela de kube sekupheleni kwexesha lakho elimiselweyo. Kodwa nge-mortgage rate rate, inzala inokunyuka okanye ihle nangaliphi na ixesha ngexesha.
