Ngaba umntu oneminyaka engama-60 ubudala angafumana imali-mboleko yeminyaka engama-30?
Nje ukuba ufikelele kwiminyaka engama-50, iinketho zokubambisa ziqala ukutshintsha. Oku akuthethi ukuba akunakwenzeka ukuba ube nekhaya ukuba uneminyaka yobudala okanye kufuphi nomhlalaphantsi, kodwa kuyafaneleka ukwazi ukuba ubudala bunokuchaphazela njani ukuboleka imali.
Nangona ababoneleli abaninzi bemali-mboleko bebeka imida yobudala ephezulu, oku kuya kuxhomekeka ekubeni usondela kubani na. Kwaye, kukho ababolekisi abaziingcali kwiimveliso eziphezulu zokubambisa, kwaye silapha ukukukhomba kwicala elifanelekileyo.
Esi sikhokelo siya kuchaza impembelelo yobudala kwizicelo zokubambisa, ukuba ukhetho lwakho lutshintsha njani ngokuhamba kwexesha, kunye nesishwankathelo seemveliso ezikhethekileyo zokubambisa imali yomhlalaphantsi. Izikhokelo zethu malunga nokukhutshwa kwemali eyinkunzi kunye neemali mboleko zobomi nazo ziyafumaneka ngolwazi oluthe vetshe.
Njengoko ukhula, uqala ukubeka umngcipheko omkhulu kubaboneleli bezindlu eziqhelekileyo, ngoko kunokuba nzima ukufumana imali mboleko kamva ebomini. Ngoba? Oku kuvamise ukuba kungenxa yokuhla komvuzo okanye imeko yempilo yakho, kwaye rhoqo zombini.
Emva kokuba urholile, awusayi kuphinda ufumane umvuzo wesiqhelo emsebenzini wakho. Nokuba unomhlalaphantsi oza kubuyela kuyo, kunokuba nzima kubabolekisi bazi kakuhle ukuba uza kurhola ntoni. Umvuzo wakho nawo usenokuhla, nto leyo enokuchaphazela ukukwazi kwakho ukuhlawula.
Ngaba ndingafumana imali mboleko kwiminyaka engama-47?
Ewe, kukho imali yokubambisa ekhoyo kubathengi abangaphezu kweminyaka engama-60 ubudala. Zininzi iindlela onokukhetha kuzo, kodwa impumelelo iya kuxhomekeka kubabolekisi abazimiseleyo ukukunika imali-mboleko ngokusekelwe kwiimeko zakho kunye nemilinganiselo. Iingcali zokubolekwa kwezindlu ze-Mortgage Advice ziya kukhangela ngaphezulu kwababolekisi abangama-90 ukukunika iingcebiso ezifanelekileyo kunye nemveliso.
Ukuba ufuna ukuboleka imali ukuyibuyisela ngokupheleleyo, unokukhetha ukuthatha i-mortgage eqhelekileyo, kwaye ababolekisi abaninzi bazimisele ukuboleka nokuba sele udla umhlala phantsi. Olunye ukhetho olunokuthi lufumaneke kuwe lubambiso lobomi, olukuvumela ukuba uthabathe imali-mboleko kwaye wongeze enye okanye yonke inzala kwi-mortgage.
Uninzi lwababolekisi banemida yabo yobudala yokuboleka imali. Isikhokelo esiqikelelweyo sokuthatha imali-mboleko yiminyaka engama-65 ukuya kuma-80 ubudala, kwaye umda weminyaka yokuphela kwe-mortgage iya kuba phakathi kwe-70 kunye ne-85 yeminyaka.
Ungafikelela kwiminyaka engama-25 kwimali-mboleko engama-60+, kodwa oku kuya kuxhomekeka kubabolekisi kunye neendlela zabo zokufikeleleka, kunye namanqaku akho etyala. Kwakhona, umcebisi we-mortgage uya kuba nakho ukukucebisa ngeendlela ezihambelana neemeko zakho.
Mortgage ingcaphephe phezu 60s
Nje ukuba ufikelele kwiminyaka engama-50, iinketho zokubambisa ziqala ukutshintsha. Oku akuthethi ukuba akunakwenzeka ukuthenga ikhaya ukuba ukwiminyaka okanye ukufutshane neminyaka yokuthabatha umhlala-phantsi, kodwa luluvo oluhle ukwazi ukuba ubudala bunokusichaphazela njani isicelo sakho semali-mboleko.
Nangona ababoneleli abaninzi bemali-mboleko bebeka imida yobudala ephezulu, oku kuya kuxhomekeka ekubeni usondela kubani na. Kwaye, kukho ababolekisi abaziingcali kwiimveliso eziphezulu zokubambisa, kwaye silapha ukukukhomba kwicala elifanelekileyo.
Esi sikhokelo siya kuchaza impembelelo yobudala kwizicelo zokubambisa, ukuba ukhetho lwakho lutshintsha njani ngokuhamba kwexesha, kunye nesishwankathelo seemveliso ezikhethekileyo zokubambisa imali yomhlalaphantsi. Izikhokelo zethu malunga nokukhutshwa kwemali eyinkunzi kunye neemali mboleko zobomi nazo ziyafumaneka ngolwazi oluthe vetshe.
Njengoko ukhula, uqala ukubeka umngcipheko omkhulu kubaboneleli bezindlu eziqhelekileyo, ngoko kunokuba nzima ukufumana imali mboleko kamva ebomini. Ngoba? Oku kuvamise ukuba kungenxa yokuhla komvuzo okanye imeko yempilo yakho, kwaye rhoqo zombini.
Emva kokuba urholile, awusayi kuphinda ufumane umvuzo wesiqhelo emsebenzini wakho. Nokuba unomhlalaphantsi oza kubuyela kuyo, kunokuba nzima kubabolekisi bazi kakuhle ukuba uza kurhola ntoni. Umvuzo wakho nawo usenokuhla, nto leyo enokuchaphazela ukukwazi kwakho ukuhlawula.
Ngaba ungafumana imali yokubambisa ngemali yomhlalaphantsi e-UK?
Ekubeni i-Mortgage Market Review (MMR) yaziswa ngo-2014, ukufaka isicelo se-mortgage kunokuba nzima kwabanye: ababolekisi kufuneka bahlole ukufikeleleka kwaye bathathele ingqalelo inani lezinto, kuquka iminyaka.
Injongo kukuqinisekisa ukuba abantu abathatha umhlala-phantsi abanamali-mboleko engafikelelekiyo kubo. Kuba imivuzo yabantu ithande ukwehla xa beyekile ukusebenza kwaye baqokelele imali yabo yomhlalaphantsi, iRisk Management Regulations ikhuthaza ababolekisi kunye nababoleki ukuba bahlawule imali yokubambisa ngaphambi koko. Nangona kunjalo, oku akusoloko kusenzeka okanye kusebenzele wonke umntu, kwaye abanye ababolekisi badibanisa oku ngokubeka imida yeminyaka yokubuyisela imali mboleko. Ngokuqhelekileyo, le mida yobudala i-70 okanye i-75, ishiya ababoleki abaninzi abadala kunye neendlela ezimbalwa.
Isiphumo sesibini sale mida yobudala kukuba imimiselo ifinyeziwe, oko kukuthi, kufuneka ihlawulwe ngokukhawuleza. Kwaye oku kuthetha ukuba imirhumo yenyanga iphezulu, enokuthi ibenze bafikeleleke. Oku kukhokelele kwizityholo zocalulo lobudala, ngaphandle kweenjongo ezintle zeRMM.
NgoMeyi ka-2018, u-Aldermore uphehlelele imali yokubambisa onokuthi ube nayo ukuya kuthi ga kwiminyaka engama-99 #JusticeFor100yearoldmortgagepayers. Kwangaloo nyanga inye, uMbutho Wokwakha Iintsapho wandisa ubudala bawo obona buninzi ekupheleni kwelo candelo ukuya kutsho kwiminyaka engama-95. Abanye, ubukhulu becala iinkampani zokubambisa, zibuphelise ngokupheleleyo ubudala obuphezulu. Nangona kunjalo, abanye ababolekisi besitrato esiphakamileyo basanyanzelisa umda weminyaka engama-70 okanye engama-75, kodwa ngoku kukho ukuguquguquka ngakumbi kubaboleki abadala, njengoko kwiLizwe lonke kunye neHalifax bandise umda weminyaka ukuya kuma-80.
