I-100% yenkxaso-mali ye-mortgage mboleko kumthengi wokuqala
Kwiimali ezininzi zokubolekwa kwezindlu, uhlawula ipesenti yexabiso lekhaya ngaphambili (idiphozithi), kwaye umbolekisi uhlawula enye (i-mortgage). Umzekelo, kwi-80% yemali mboleko, kuya kufuneka ubeke idiphozithi engama-20%.
Umqinisekisi wakho unokufaka imali kwi-akhawunti yokulondoloza kunye nombolekisi we-mortgage, ngokuqhelekileyo i-10-20% yexabiso lekhaya. Iya kuhlala apho iminyaka emiselweyo. Ngeli xesha, i-guarantor ayiyi kukwazi ukurhoxisa nayiphi na imali.
Xa une-100% ye-mortgage, usemngciphekweni wokungena kwimeko ye-equity engalunganga. Ukuba oku kuyenzeka, kunokubangela iingxaki ukuba ufuna ukuboleka imali okanye ukuhambisa izindlu. Ungaphela uvaleleke kumyinge oguquguqukayo oqhelekileyo wombolekisi wakho kwaye uhlawule ngaphezulu kunokuba ubuya kwenza ngomnikelo okhuphisanayo ngakumbi.
Ewe, kukho abanye ababoneleli bemali-mboleko abaya kukuvumela ukuba ube nediphozithi yethutyana. Idla ngokuba yi-10% yexabiso lekhaya, ekufuneka linikezelwe ngumqinisekisi, njengomzali okanye isizalwane.
Ngediphozithi yethutyana, imali ifakwa kwi-akhawunti yokulondoloza ekhethekileyo ixesha elimiselweyo. Idla ngokuba lixesha ekufuneka umthengi alithathe ukuhlawula isixa-mali semali mboleko esikwi-akhawunti yokonga.
I-Mortgage nge-100 yepesenti yemali
Ngokuqinisekileyo, ixabiso lokuthenga kunye nokudluliselwa ayizizo kuphela iindleko ezibandakanyekayo, kwaye mhlawumbi luluvo olulungileyo ukuqiniseka ukuba uyiqwalasele yonke imiba yobunini bendlu kwisigqibo sakho ngaphambi kokuba uqale. (Jonga, umzekelo, isibali sethu sokufikeleleka kweBond, kunye ne-Bond Amortization Calculator)
“Amaqabane ngamaqabane endalo kubunikazi bekhaya, kodwa kufuneka ucinge ngakumbi xa uthenga nabahlobo okanye izalamane ezikude. Kufuneka uthathele ingqalelo oko kuya kwenzeka kwipropati ukuba amaqabane ahlukana okanye omnye wabo ufuna ukuthengisa ngenxa yokutshintsha kweemeko. (Kutsha nje sixoxe ngezinto ekufuneka abantu abangatshatanga bazigcine engqondweni xa bethenga ngentsebenziswano – jonga 'Ukuhlala Unyulu Xa Uthenga Ndawonye').
UDavid uthi iibhanki zithanda ukubona iidipozithi ngenxa yezizathu ezibini: zibonisa ukuba unomkhwa wokonga (ithetha ukuba uqeqeshekile ngokwezimali, ngoko uya kukwazi ukwenza iintlawulo zakho zebhonasi nyanga nganye), kwaye zibonelela ngebhanki. kunye nomlinganiselo wokhuseleko (ukuba awuphumeleli kwimali-mboleko, ibhanki inomqamelo: ukuba ifuna ukuphinda iphinde ithengise ipropati, iya kukwazi ukubuyisela imali yemali mboleko eseleyo, kunye nazo naziphi na iindleko ezongezelelweyo ezenziweyo).
Iipesenti ezili-100 zokuxhasa ngemali
Unokubona amanqaku amaninzi xa ukhangela ixesha le-100 yepesenti ye-home equity loan (HEL). Kodwa, xa ecofa, ufumanisa ukuba bathetha kuphela ukuba ayinakufezekiswa. Eli nqaku licacisa ukuba kukho iindlela zokufumana inkxaso-mali oyifunayo kunye nokuba ujonge phi.
I-LTV imele umlinganiselo wemali-mboleko-kwixabiso. Yipesenti yexabiso lemarike langoku lepropati ofuna ukuyixhasa ngemali. Ngaloo ndlela, i-100% ye-loan-to-value loan yenye evumela ukuba uboleke i-100% yexabiso lepropati yakho iyonke.
Ukuba sele unemali-mboleko kwikhaya lakho kwaye ufuna ukuthatha imali-mboleko eyongezelelweyo, unokuthatha imali mboleko yezindlu. Ikwabizwa ngokuba "yi-mortgage yesibini" kuba usenayo i-mortgage yakho yokuqala.
Nceda uqaphele ukuba olu luqikelelo olurhabaxa. Umbolekisi wakho phantse ngokuqinisekileyo uya kufuna uvavanyo ukuze afumane ixabiso lepropathi yakho. Kwakhona, qonda ukuba uninzi lwababolekisi aluyi kuboleka ngaphezu kwama-80 ukuya kuma-90 ekhulwini exabiso lepropati yakho.
Unokucinga ukuba amathuba akho okufumana i-100 LTV yemali mboleko yekhaya aphantse afane nalawo okubona i-unicorn okanye iqela leehagu ezibhabhayo. Kodwa bangcono kancinci kunoko. Hayi kakhulu, kodwa kancinci.
Mortgage 100 merrill lynch
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.
