Imali yesicelo se-mortgage yase-UK
Ukufumana imali-mboleko kungaphezulu nje kwezavenge zenyanga. Kuya kufuneka kwakhona uhlawule iirhafu ezifana nerhafu kwizenzo zomthetho ezibhaliweyo (Umsebenzi weSitampu) kunye neentlawulo zovavanyo, iingxelo zeengcali kunye namagqwetha. Abantu abaninzi bajongela phantsi inani leentlawulo kunye neendleko ezongezelelweyo.
Le yintlawulo yemveliso yemali-mboleko, ngamanye amaxesha eyaziwa ngokuba yimali yemveliso okanye umrhumo wokuvala. Ngamanye amaxesha inokongezwa kwi-mortgage, kodwa oku kuya kwandisa imali oyityalayo, inzala kunye neentlawulo zenyanga.
Kuya kufuneka ujonge ukuba ikhomishini iyabuyiswa na xa imali yokubambisa ingaqhubeki. Ukuba akunjalo, kunokwenzeka ukuba ucele ukuba umrhumo wongezwe kwi-mortgage uze uyihlawule emva kokuba isicelo samkelwe kwaye uqhubeke phambili.
Ngamanye amaxesha ihlawuliswa xa isivumelwano se-mortgage siceliwe kwaye ngokuqhelekileyo ayibuyiswa, nokuba i-mortgage iyasilela. Abanye ababoneleli bemali-mboleko baya kuyibandakanya njengenxalenye yentlawulo yemvelaphi, ngelixa abanye baya kuyongeza kuphela ngokuxhomekeke kubungakanani bemali-mboleko.
Umbolekisi uya kuxabisa ipropati yakho kwaye aqinisekise ukuba inexabiso lemali ofuna ukuyiboleka. Abanye ababolekisi abayihlawulisi le khomishini kwimisebenzi ethile yokubambisa. Unako kwakhona ukuhlawulela uphando lwakho lwepropati ukuchonga naluphi na ukulungiswa okanye ukulungiswa okunokuthi kufuneke.
Ngaba imirhumo yegqwetha ingadityaniswa kwi-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.
Ngaba kufanelekile ukuhlawula ikhomishini yemveliso kwi-mortgage?
Ukuba sele usematyaleni ngeentlawulo zakho zokubambisa, kusenokubakho izinto onokuzenza ukuze uthintele ukuba semva kwiintlawulo kwaye uhlawule ityala. Jonga Ukuhlangabezana neTyala le-Mortgage.
Ukuba unenkathazo enkulu yokuhlawula imali yakho, umzekelo, ukuba uqalise ukufumana iileta ezivela kumbolekisi we-mortgage esongela isenzo somthetho, kufuneka ufune uncedo kumcebisi wamatyala oyingcali.
Uyakwazi ukufumana isivumelwano se-mortgage esincinci kunye nomnye umbolekisi we-mortgage. Kusenokufuneka uhlawule umrhumo wokutshintsha ababolekisi bezindlu, kwaye kuya kufuneka uhlawule imali oyityala umbolekisi wokuqala ukuba uye wawa ngasemva kwiintlawulo zakho.
Unganakho ukunciphisa ezinye iindleko ngokutshintshela kwi-mortgage engabizi kakhulu, isakhiwo okanye i-inshurensi yokukhusela umxholo. Unokufumana ulwazi malunga nendlela yokutshintsha umniki-inshurensi kwiwebhusayithi yeNkonzo yeeNgcebiso zeMali: www.moneyadviceservice.org.uk.
Unokucela umbolekisi wakho ukuba bayavuma ukuthoba iintlawulo zakho zenyanga zindlu, ngokuqhelekileyo ixesha elilinganiselweyo. Oku kunokukunceda ukuba udlule kwimeko enzima kwaye ikuthintele ekuqokeleleni amatyala. Ukuba ityala sele liqokelele, kuya kufuneka ufumane indlela yokulihlawula.
Amazinga e-Mortgage e-UK
Ngexesha lokuqala uthatha imali yokubambisa, usenokuba utyikitye isithembiso esihle kakhulu. Kodwa ekuhambeni kwexesha, imarike yemali-mboleko iyatshintsha kwaye izibonelelo ezintsha ziyavela. Oku kuthetha ukuba kunokubakho isivumelwano esingcono kuwe ngoku, esinokukongela amakhulu eeponti.
Khumbula ukujonga ukuba kukho imvelaphi okanye iikhomishini zemveliso kwimali yokubambisa entsha oyifundayo kwaye, ukuba uza kuhlawula imali-mboleko yakho kwangoko, iindleko zokuhlawula kwangaphambili zomboleki wakho wangoku.
Kule mizekelo ingezantsi unokubona iimali ezahlukileyo obuya kuzihlawula zizonke, ngexesha elimisiweyo, ngenyanga nakwinzala, kuxhomekeke ekubeni uhlala nesivumelwano sakho sokuqala okanye utshintshele kwenye yeenketho ezimbini ze-remortgage.
Ixabiso elipheleleyo lekhredithi lisekelwe kwinto yokuba iindleko ezinxulumene ne-mortgage zihlawulwa kwangaphambili kwaye azifakwanga kwi-mortgage. Iindleko ezinxulumene ne-mortgage zinokwahluka phakathi kwababoneleli kunye nokunyusa umrhumo ukuba zongezwa kwimali-mboleko. Iindleko kwixesha lentengiselwano zisekwe kumyinge wokuqala oshiyeke ufana ngelo xesha kwaye ithatha ukuba iya kubuyela kumyinge oguquguqukayo oqhelekileyo wombolekisi okanye i-SVR ye-6%. Ikhatyhuleyitha yeyokubanjiswa kwe-amortization apho inzala ibalwa ngenyanga. Iziphumo zisetyenziswa kwinzala yemihla ngemihla xa kwenziwa intlawulo enye kuphela ngenyanga. Amanani abonisiwe asondeziwe.
