Iindidi zezindlu zokubambisa zesibini
kufuneka ibhalwe phantsi kwi-DU kwaye ifumane isindululo esiVunyiweyo/eSifanelekileyo, ngaphandle kweemali-mboleko zemali-mboleko ye-LTV ephezulu ekufuneka ibhalwe phantsi kweNdlela yokuReyitha engenye (jonga i-B5-7-03, iNdlela yokuReyitha eyenye).
1. Ukuba umbolekisi uchonga ingeniso yokurenta kwipropati, imali-mboleko ifanelekile ukuba ihlawulwe njengekhaya lesibini ngaphandle kokuba ingeniso ayisetyenziselwa iinjongo ezifanelekileyo, kwaye zonke ezinye iimfuneko zezindlu zesibini zihlangatyezwa (kubandakanywa nemfuneko yokuhlala kwangaphambili).
Iimali-mboleko ezithile ezikhuselwe ngamakhaya esibini ziphantsi kweLLPA. Le LLPA yongezelela kulo naluphi na olunye uhlengahlengiso lwamaxabiso olunokusebenza kwintengiselwano ekuthethwa ngayo. Jonga iMatrix yoLungiso lweNqanaba leMali-mboleko (LLPA).
Ngolwazi oluthe kratya olunxulumene neentlobo zokuhlala, bona i-B2-1.1-01, Iintlobo zokuHlala. Ngowona mlinganiselo uphezulu uvumelekileyo we-LTV/CLTV/HCLTV kunye neemfuno zamanqaku amele amatyala kwikhaya lesibini, bona i-Eligibility Matrix.
I-mortgage yasekhaya yesibini e-UK
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala nongakhethi cala, 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.
I-Hsbc yokuboleka imali kwikhaya lesibini
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala nongakhethi cala, 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.
I-mortgage yendlu yesibini kunye ne-10 yepesenti yentlawulo ephantsi
Phantse iikota ezintathu zezigidi zemizi eNgilani zinekhaya lesibini, malunga nesiqingatha sesigidi e-UK, ngokutsho kwamanani asemthethweni.Ukuba ucinga ukuthenga ipropati yesibini, kukho izinto ezininzi ekufuneka uziqwalasele kuqala. .
Iphezulu idipozithi onokuthi uyibeke phantsi, isezantsi inzala oza kuyifumana kwi-mortgage, ngoko kuya kufuneka uhlawule imali encinci iyonke. Kungcono ukuba nediphozithi enkulu kangangoko kunokwenzeka.
Konke kuxhomekeke kwiimeko zakho, ukuba yimalini oyichithayo kwipropati, uphando olwenzileyo kunye nento oceba ukuyenza ngepropati ukuze ubone ukuba lutyalo-mali olulungileyo. Unokufunda ngakumbi malunga notyalo lwezindlu nomhlaba apha.
Kodwa unokuyibona njengendlela yokutyala imali kwiiholide zakho ezizayo kunye nento oza kuyithengisa kwixesha elizayo. Ukuba uyazibuza ukuba kusekho ixesha elifanelekileyo lokutyala imali kwipropati, khangela inqaku lethu apha.
I-mortgage yekhaya nayo ifanelekile ukuqwalasela ukuba uba "ngumninimzi ngengozi." Usenokuba unepropati ulilifa kodwa sele unendlu engundoqo, okanye unokuba nobunzima bokuthengisa ikhaya lakho kwaye unyanzeleke ukuba ulirente.
