Ulifumana njani iMboleko-mali kwiKhaya osele ungowakho
Igama elithi "i-mortgage" libhekisela kwimali-mboleko esetyenziselwa ukuthenga okanye ukugcina ikhaya, umhlaba, okanye ezinye iindidi ze-real estate. Umboleki uyavuma ukuhlawula umbolekisi ngexesha, ngokuqhelekileyo kuluhlu lweentlawulo eziqhelekileyo ezahlulwe zibe yinqununu kunye nenzala. Ipropati isebenza njengesibambiso ukukhusela imali-mboleko.
Umboleki kufuneka afake isicelo semali-mboleko ngokusebenzisa umbolekisi wakhe amkhethayo kwaye aqinisekise ukuba bayahlangabezana neemfuno ezininzi, ezinje ngamanqaku asezantsi etyala kunye neentlawulo eziphantsi. Izicelo ze- mortgage zihamba ngenkqubo engqongqo yokubhala phantsi ngaphambi kokuba zifike kwinqanaba lokuvala. Iindidi ze-mortgages ziyahluka ngokuxhomekeke kwiimfuno zomboleki, njengemali-mboleko eqhelekileyo kunye nemali mboleko emiselweyo.
Abantu kunye namashishini basebenzisa imali yokubambisa ukuze bathenge umhlaba ngaphandle kokuhlawula ixabiso elipheleleyo lokuthenga ngaphambili. Umboleki uyayihlawula imali-mboleko kunye nenzala kwinani elimiselweyo leminyaka ade abe ngumnini wepropati ngaphandle kwentlawulo. Iimali zokubambisa zikwabizwa ngokuba ziimali-mboleko ezichasene nepropati okanye amabango epropati. Ukuba umboleki uyasilela kwi-mortgage, umbolekisi unokuvala ipropati.
Ndinekhaya lam kwaye ndifuna ukubolekwa imali
Kukho amaziko emali amaninzi anika iimali-mboleko kubantu abathenga ipropati, umzekelo, iinkampani zokuboleka imali kunye neebhanki. Kufuneka ufumanise ukuba ungayithabatha na imali-mboleko kwaye, ukuba kunjalo, yimalini (ukufumana ulwazi malunga nokubolekwa kwezindlu, 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.
Ngaba ndingakwazi ukuboleka indlu yam ngaphandle komsebenzi?
Enye yezinto eziluncedo ekuthengeni ikhaya kukuba unokwakha i-equity kuyo kwaye usebenzise elo lungelo ukuhlawulela ulungiso olukhulu lwekhitshi, ukuphelisa ityala lekhadi letyala letyala elinenzala ephezulu, okanye uncedise ekuhlawuleni imfundo yabantwana bakho ekholejini.
Ixabiso leNet ngumahluko phakathi kwento oyityalayo kwimali yokubambisa kunye nexabiso langoku lekhaya lakho. Ukuba utyala i-$150.000 kwimali-mboleko yakho yendlu kwaye ikhaya lakho lixabisa i-200.000 yeedola, une-50.000 yeedola ze-equity kwikhaya lakho.
Masithi uthenga indlu ngeedola ezingama-200.000. Unokwenza intlawulo ephantsi ye-10% yexabiso lokuthenga indlu, eya kuba yi-$ 20.000. Umbolekisi wakho uya kukunika imali-mboleko yendlu eyi-$180.000.
Kuphela ngumvavanyi wezindlu nomhlaba onokukunika uhlolo olusemthethweni lwexabiso lemarike yangoku yekhaya lakho. Nangona kunjalo, unokuqikelela ixabiso lekhaya lakho ngokujonga ukuthengiswa kwekhaya okuthelekiswayo kwindawo yakho okanye ngokujonga ukuthengiswa kwe-intanethi ye-real estate ebonelela ngoqikelelo lwexabiso lekhaya.
Ukufumana ukuba ungakanani na onokukwazi ukubeka phantsi linyathelo elikhulu ekuqondeni ukuba uya kwakha njani ixabiso kwikhaya lakho. Ukufumana imvume yokuboleka imali ngaphambi kokuba wenze isithembiso kuya kukunceda uqonde ukuba yimalini na imali oyongayo oya kuyidinga ukuyisebenzisela intlawulo ephantsi.
Ndilikhaya lam, ndingakwazi ukuboleka imali?
Kwiminyaka yokuqala yee-1960, uhlobo olutsha lwemali mboleko yemali-mboleko yenzelwe ngokukodwa abaninimzi abadala abafuna ukufikelela kwi-equity kwikhaya labo njengoko bekhula. Le mali-mboleko intsha yaduma kuba yazalisa imfuno ababenayo ababoleki abaninzi. Abanini bezindlu eziphezulu babefuna ukuqhubeka behlala emakhayeni abo ubomi babo bonke, kwaye imali-mboleko yemali-mboleko yendlu yayisesona sisombululo sigqibeleleyo sokubanceda benze kanye loo nto.
Noko ke, maxa wambi ngokungalindelekanga, abanye ababoleki bafumanisa ukuba kwakufuneka bafuduke ngenxa yezizathu ezithile. Kwakukho abo babeboleka imali ekwakufuneka bafudukele kwikhaya labalupheleyo ukuze bafumane inyameko yexesha elizeleyo. Abanye bafumanisa ukuba kubhetele ukuhlala kwindlu yabantwana babo, okanye kwenye indawo. Nokuba yeyiphi na imeko, ababoleki bafumanisa ukuba bathandabuza malunga nokuthengisa ikhaya elinemali yokubambisa.
I-reverse mortgage yimali-mboleko yendlu enokuhlawulwa nangaliphi na ixesha ngaphandle kwesohlwayo. Ngoko ke impendulo nguewe: umntu obolekayo unokuthengisa ikhaya nge-mortgage ebuyela umva nangaliphi na ixesha alikhethayo, njengemali-mboleko yemveli. Xa umboleki ethengisa ikhaya lakhe, kufuneka abuyisele ibhalansi yemali mboleko yemali mboleko kwaye iakhawunti yabo iya kuvalwa ngumbolekisi wabo. Umboleki ke ugcina inqununu eseleyo.
