Ukuhlawulwa kowona mlinganiselo uphantsi wenzala
Umgangatho wenzala lizinga ekuvunyelwene ngalo kuluhlu olusezantsi lweerhafu ezinxulumene nexabiso eliguquguqukayo lemveliso yemali-mboleko. Imigangatho yenzala isetyenziswa kwiikontraki eziphuma kwi-derivative kunye nezivumelwano zemali-mboleko. Oku kuchasene nesilingi yenzala (okanye ikepusi).
Imigangatho yenzala yemali-mboleko isoloko isetyenziswa kwimarike yemali-mboleko ehlengahlengiswayo (ii-ARM). Rhoqo, obu buncinane buyilelwe ukuhlawula iindleko ezinxulumene nokusetyenzwa kwemali mboleko kunye nenkonzo. Umgangatho wenzala udla ngokubakho ngokukhutshwa kwe-ARM, njengoko ithintela inzala ekuhlengahlengiseni ngaphantsi komgangatho omiselweyo.
Imigangatho yenzala kunye neesilingi zenqanaba lenzala ngamanqanaba asetyenziswa ngabathathi-nxaxheba borhwebo abohlukeneyo ukubiyela umngcipheko onxulumene nemveliso yemali-mboleko edadayo. Kuzo zombini iimveliso, umthengi wekhontrakthi ufuna ukufumana intlawulo esekelwe kwireyithi ekuxoxwe ngayo. Kwimeko yomgangatho wenzala, umthengi wenkontrakthi yomgangatho wenzala ufuna imbuyekezo xa izinga lokudada liwela ngaphantsi komgangatho wekhontrakthi. Lo mthengi uthenga ukhuseleko kwilahleko yengeniso yenzala ehlawulwe ngumboleki xa izinga lokudada liwa.
Ukuxhaswa ngemali kweeflethi
Umgangatho wenzala lizinga ekuvunyelwene ngalo kuluhlu olusezantsi lweerhafu ezinxulumene nexabiso eliguquguqukayo lemveliso yemali-mboleko. Imigangatho yenzala isetyenziswa kwiikontraki eziphuma kwi-derivative kunye nezivumelwano zemali-mboleko. Oku kuchasene nesilingi yenzala (okanye ikepusi).
Imigangatho yenzala yemali-mboleko isoloko isetyenziswa kwimarike yemali-mboleko ehlengahlengiswayo (ii-ARM). Rhoqo, obu buncinane buyilelwe ukuhlawula iindleko ezinxulumene nokusetyenzwa kwemali mboleko kunye nenkonzo. Umgangatho wenzala udla ngokubakho ngokukhutshwa kwe-ARM, njengoko ithintela inzala ekuhlengahlengiseni ngaphantsi komgangatho omiselweyo.
Imigangatho yenzala kunye neesilingi zenqanaba lenzala ngamanqanaba asetyenziswa ngabathathi-nxaxheba borhwebo abohlukeneyo ukubiyela umngcipheko onxulumene nemveliso yemali-mboleko edadayo. Kuzo zombini iimveliso, umthengi wekhontrakthi ufuna ukufumana intlawulo esekelwe kwireyithi ekuxoxwe ngayo. Kwimeko yomgangatho wenzala, umthengi wenkontrakthi yomgangatho wenzala ufuna imbuyekezo xa izinga lokudada liwela ngaphantsi komgangatho wekhontrakthi. Lo mthengi uthenga ukhuseleko kwilahleko yengeniso yenzala ehlawulwe ngumboleki xa izinga lokudada liwa.
Intsingiselo yomlinganiselo omncinci kunye neqondo eliphezulu
Izinga lomgangatho kwi-mortgages liye lathotywa ukuya kumanqaku angama-20 angaphantsi kwexabiso lemali-mboleko ehambelanayo (i-LPR) yabathengi, i-de facto benchmark rate yemali mboleko, iBhanki yaBantu yaseChina (PBOC) yatsho kwingxelo.
I-PBOC yagqibela ukuseta ii-LPRs njengemilinganiselo yemali-mboleko ngo-2019 ngexesha lohlaziyo lokukhulula amaxabiso enzala. Ngaphambi koko, ibhanki ephakathi yalisika inqanaba lenzala yemali-mboleko kwiminyaka emihlanu ngo-2015.
Abanye abahlalutyi balindele ukuba iibhanki zinqumle ii-LPR ngasekupheleni kweveki ezayo emva kokuba ibhanki ephakathi ikhokele ekunciphiseni amaxabiso ediphozithi, yehlisa iindleko zenkxaso-mali. Amaxabiso agqitywe ukucuthwa ngoJanyuwari kulandela ukuthotywa kwenzala esemthethweni yePBOC.
Umthengi onenzala emincinci
Umgangatho we-mortgage ligatya elibeka ubuncinci bezinga lenzala xa i-Euribor iphantsi. Kwiimali eziguquguqukayo zokuboleka imali, izavenge ziyahluka ngokuxhomekeke kwi-Euribor kunye nokwahluka okuvunyelweneyo. Xa isixa-mali sezi ziwela ngaphantsi komda ochaziweyo, ubuncinci bepesenti obusetwe kwigatya lomgangatho kusetyenziswa.
Umthengi une-mortgage kunye negatya lomgangatho we-2%. Ngamanye amazwi, i-2% ngumlinganiselo omncinci oza kuhlawula umxhasi, kungakhathaliseki ukuba kwenzekani nge-Euribor. Ukuba isamba se-Euribor kunye nokwahlukana yi-1%, umxhasi uya kuqhubeka nokuhlawula i-2%, kuba leyo yipesenti encinci ekuvunyelwene ngayo.
Eli gatya laqala ukusetyenziswa ngamaqumrhu athile eSpain xa i-Euribor yawa kakhulu. Kufuneka uhlolisise i-deed ye-mortgage loan ukuze ufumanise ukuba i-mortgage inegatya lomgangatho, ngokukodwa ukuba imisela ukuba inzala ayikwazi ukuba ngaphantsi kwepesenti ethile.
