Umthetho wokunqongophala kwe-Mortgage
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Ukubhatalwa emva kwexesha lokubambisa ngexesha le-covid
Ukuhlawula ityala lekhadi letyala kunokuba ngumngeni, kodwa akunakwenzeka. Ngesicwangciso esiluqilima kunye nokuzinikela okuthile, unokuhlawula ityala lakho lekhadi kwaye ufikelele kwiinjongo zakho zemali ngokukhawuleza. Nazi ezinye iindlela zokuqalisa:
Xa usengxakini yezemali, kunokuba nzima ukwenza ngaphezulu kweyona ntlawulo incinci. Kodwa ukuba uhlawula kuphela ibhalansi encinci, uya kuhlala usematyaleni ixesha elide. Olona khetho lungcono kukucutha iindleko ezingeyomfuneko, njengokubaleka ikofu kunye neeodolo zokukhupha, kwaye ubeke loo mali kwiintlawulo zekhadi letyala. Ukwenza ezi mibingelelo zincinci namhlanje kunokukunceda unciphise ityala lakho lekhadi lokuthenga ngetyala ngomso.
Iintlawulo zenzala zinokuba yinxalenye ebalulekileyo yemali oyihlawulayo kwikhadi lakho lokuthenga ngetyala nyanga nganye, ngakumbi ukuba ikhadi lakho linenzala ephezulu. Inzala ephezulu inokwenza kube nzima ukuhlawula ityala lakho. Ukuba ikhadi lakho linenzala ye-15% okanye ngaphezulu, zama ukutshintshela ibhalansi yakho kwikhadi elinenzala ephantsi. Ungafumana unikezelo lwentengiso olukhethekileyo kumakhadi anenzala ephantsi okanye eyi-0%. Ukuba unokuthatha ithuba kwenye yazo, tshintshela ibhalansi yakho kwangoko kwaye uhlawule kangangoko unako ngenyanga nganye. Ukunciphisa ixabiso lenzala yindlela elungileyo yokuqala ukuhlawula ityala lekhadi letyala.
IKhatyhuleyitha yoBugebenga bokuboleka imali
Ibhalansi yakho yangoku isenokungabonakalisi mali okufuneka uyihlawule ukuze wanelise ngokupheleleyo imali-mboleko. Isixa se-amortization ikwabandakanya intlawulo yenzala oyibambayo kude kube yimini oceba ukuyihlawula ngayo imali-mboleko. Isixa sokwehla kwexabiso sinokubandakanya nezinye iindleko ozenzileyo kwaye ongekahlawulwa. Ukuba ucinga ukuhlawula imali mboleko yakho, unokucela umbolekisi wakho okanye umnikezeli wenkonzo ngemali ye-amortization. Ukuba imali-mboleko yakho yimali-mboleko “evaliweyo” yendlu, wakuba ucele isixa-mali sokuhlawula ityala, abanikezeli benkonzo kufuneka bakubonelele ngengxelo echanekileyo yexabiso lilonke elinokulithatha ukwanelisa isibophelelo sakho ngokupheleleyo ngomhla othile. ezo mfuno zesiteyitimenti solungiso zisebenza kuphela kwiimali-mboleko ezivaliweyo ezikhuselwe likhaya elingundoqo lomthengi. Ngomhla we-13 ku-Agasti, 2020, impendulo yalungiswa ukuze kuqatshelwe ukuba ezi mfuno zisebenza kwiimali mboleko ezivaliweyo ezikhuselwe likhaya lomthengi.
Kuxelwa nini intlawulo yendlu kade
Uninzi lwethu luthatha imali-mboleko xa sithenga ikhaya, sizibophelele ekuhlawuleni ukuya kutsho kwiminyaka engama-30 kule nkqubo. Kodwa uqikelelo lukarhulumente lubonisa ukuba abantu baseMelika bahamba umndilili wamaxesha ali-11,7 kubomi babo, ngoko ke abantu abaninzi baqala ukuhlawula amashumi eminyaka emali-mboleko ngaphezulu kwesinye.
Unale nto engqondweni, kunokuba bubulumko ukukhangela iindlela zokuhlawula imali-mboleko yakho kwangoko, nokuba unokwakha i-equity ngokukhawuleza okanye wonge imali kwinzala. Ekuhambeni kwexesha, usukelo lufanele lube kukuba nekhaya lakho. Ngapha koko, kulula kakhulu ukuthatha umhlala-phantsi okanye ukunciphisa iiyure zomsebenzi kamva ukuba unokwenza ngaphandle kwentlawulo yenyanga yokubambisa.
Ke ukuba uyazibuza ukuba ungayithoba njani intlawulo yakho yokubambisa okanye uhlawule indlu yakho ngokukhawuleza, nazi iindlela ezininzi ezizanywayo kunye nenyani ezinokukunceda. Khawukhumbule nje ukuba isicwangciso esifanelekileyo kuwe sixhomekeke ekubeni yimalini "eyongezelelweyo" oye wayibeka ngeenxa zonke, kunye nokuba ungakanani umba obalulekileyo omele ufumane imali yokuboleka imali.
Masithi uthenge ipropathi eyi-$360.000 ene-$60.000 phantsi kwaye inzala yemali mboleko yakho yeminyaka engama-30 yi-3%. Ukujonga ngokukhawuleza kwi-calculator ye-mortgage ibonisa ukuba inqununu kunye nentlawulo yenzala kwimali mboleko yakho iza kwi-1.264,81 yeedola ngenyanga.
