I-Mortgage engaphantsi kweenyanga ezi-6 ubudala
Phambi kokuba uqalise ukujonga iipropathi, qalisa ukufaka isicelo kubabolekisi-mali ukuze uzame ukufumana 'ukwamkelwa ngokomgaqo'. Oku kuthetha ukuba uya kwazi ukuba imali-mboleko yakho iya kuvunywa kwaye ikunike umbono wokuba yimalini onokuyiboleka. Kwakhona kunokuba yinzuzo ukuba nale nto xa usenza isithembiso kwipropati, njengoko abathengisi banokuvuma ukunikezwa ukuba bayazi ukuba unemvume yokuboleka imali. Jonga kwisixhobo sethu seMali ye-Mortgage ukuze ubone amaxabiso emali-mboleko kunye nenzala enikezelwa ngababolekisi abaphambili eIreland.
Umnyinyiva werhafu kulondolozo olusetyenziselwa ukuthenga okanye ukwakha ikhaya laziswa ngo-2015 kubantu abaqalayo ukuthenga izindlu. Ukuba uthenge okanye wakhe ikhaya lakho lokuqala phakathi kwe-14 ka-Okthobha 2014, kunye noDisemba 31, 2017, kwaye ipropati yindawo yakho yokuhlala yabucala ephambili, ungakufanelekela ukubuyiselwa iRhafu yeDiphozithi yeNzala (DIRT). Ndwendwela i-website ye-Arhente yeRhafu ukuze ubone ukuba zeziphi ezinye iikhrayitheriya ekufuneka uhlangabezane nazo kunye nendlela yokufaka isicelo.
Unokusebenzisa inkuthazo yoncedo lokuthenga ukunceda ukuhlawula idiphozithi kwikhaya elitsha elakhiwayo okanye elexesha elinye lokuzakhela. Esi sicwangciso sibonelela ngembuyekezo yerhafu yengeniso kunye ne-DIRT ehlawulwe kwiminyaka emine edlulileyo kubantu abathenge okanye bazakhele ikhaya elitsha phakathi kukaJulayi 19, 2016 noDisemba 31, 2021, ukuya kuthi ga kwimida ethile kwaye ngokwemiqathango ethile.
I-Mortgage engaphantsi kweenyanga ezi-3 zengqesho
Siyalivuma ikhefu labazali elihlawulelwayo kwaye sibuyela emsebenzini xa sifaka isicelo semali mboleko entsha. Unokuthathela ingqalelo ikhefu labazali kwimali-mboleko yendlu ngexesha lenkqubo yesicelo. Ukuba ungathanda ulwazi oluthe kratya, ungacela umnxeba komnye wabaphathi bezemali basekhaya.
Ukuba ulindele umntwana, ukucutha intlawulo yekhefu labazali kunokukunceda ukhulule imali ukuze uhlawule ezinye zeendleko zomntwana wakho omtsha. Ukuba uyibambe nathi imali-mboleko yakho ngaphezu kweenyanga ezili-12, usenokufanelekela ukuthotywa ukuya kutsho kwi-50% kwimali-mboleko yakho yokubambisa ukuya kutsho kwiinyanga ezili-12 ngelixa ukwikhefu lokubeleka okanye likatata, ngokuxhomekeke ekuvunyweni kwakho. Ukuba ungathanda ukufaka isicelo, thetha nomnye wabaphathi bezemali ekhaya.
UDenise noGeorge basandula ukufaka isicelo sekhefu lokuya kuba ngutata. UDenise uthathe ikhefu lokubeleka kwaye unike namaxwebhu axhasayo kwinkampani yakhe. Esi sibini sinemali-mboleko ye-Rocket Repay Home ngaphezulu kweenyanga ezili-18. Imali-mboleko-kwixabiso layo yi-80%. Ukongeza, uDenise noGeorge baye babonisa ukuba banokuhlawula ubuncinane i-50% yomnikelo omncinci ngexesha lekhefu lokubeleka. Ingaba isicelo sakho siya kuvunywa? Ewe. UDenise noGeorge bazifezekisile iinqobo zokugweba zokufaneleka kunye neemeko zokuvunywa kwekhefu labazali. Isicelo sakho samkelwe.
Kuya kuthatha ixesha elingakanani ukuba usemsebenzini ukuze ufumane imali-mboleko?
Ayingabo bonke ababolekisi abafuna ukuba ube usemsebenzini wakho ixesha elingaphezu konyaka. Ngapha koko, ababolekisi abaninzi bayaqonda ukuba izizukulwana eziselula zifunwa kakhulu, zinezakhono eziphezulu, kunye namathuba omsebenzi atshintsha ngokukhutheleyo imisebenzi efuna imivuzo ephezulu okanye iimeko ezingcono zokusebenza.
Umbolekisi wethu ongcono kubantu abanemisebenzi emitsha banokuvuma ukubolekwa kwezindlu kubantu abebesemsebenzini ubuncinci usuku, kwimeko nganye. Abanangxaki nabantu abaye bakulomsebenzi wabo omtsha inyanga e-1, iinyanga ezi-3, iinyanga ezi-6 nangaphezulu.
Ungacela imali-mboleko ukuya kutsho kuma-90% exabiso lepropati oza kuyithenga. Ukuba ukwimeko eyomeleleyo yemali, unokufumana imali-mboleko ye-95%. Iipakethe ezithotyiweyo zobungcali, iimali-mboleko ezisisiseko kunye nemigca yetyala nazo ziyafumaneka.
Uninzi lwabathengi bethu bayasibiza kuba bakwinkqubo yokushiya inkampani yabo yangoku kwaye baqale indawo entsha kwenye indawo. Kwiimeko ezininzi, banamava abanzi kwishishini labo kwaye banokutshintsha imisebenzi ukuze bathathe ithuba lokufumana okungcono okanye bazingelwe yiarhente yokufuna abantu.
Yintoni ekuthintelayo ekufumaneni imali-mboleko
Izikhokelo ze-FHA mboleko zichaza ukuba imbali yangaphambili kwindawo yangoku ayifuni. Nangona kunjalo, umbolekisi kufuneka abhale iminyaka emibini yokusebenza kwangaphambili, imfundo, okanye inkonzo yasemkhosini kwaye achaze naziphi na izikhewu.
Umfaki-sicelo kufuneka abhale nje imbali yomsebenzi yeminyaka emibini edlulileyo. Akukho ngxaki ukuba umenzi-sicelo wemboleko uye watshintsha imisebenzi. Nangona kunjalo, umenzi-sicelo kufuneka achaze naziphi na izikhewu okanye utshintsho olubalulekileyo.
Kwakhona, ukuba le ntlawulo yongezelelweyo iyancipha ngokuhamba kwexesha, umbolekisi unokuyinciphisa, ecinga ukuba umvuzo awuyi kuhlala iminyaka emithathu. Kwaye ngaphandle kwembali yeminyaka emibini yokuhlawula ixesha elongezelelweyo, umbolekisi mhlawumbi akayi kukuvumela ukuba ubange kwisicelo sakho sokubambisa.
Kukho iinketho. Umzekelo, ukuba usebenzela inkampani enye, yenza umsebenzi ofanayo, kwaye unomvuzo ofanayo okanye ongcono, utshintsho kwisakhiwo sakho somvuzo ukusuka kumvuzo ukuya kwikhomishini epheleleyo okanye eyingxenye ayinakukwenzakalisa.
Namhlanje akuqhelekanga ukuba abasebenzi baqhubeke besebenzela inkampani enye kwaye babe "ngabacebisi", oko kukuthi, basebenza ngokuzimeleyo kodwa bafumana umvuzo ofanayo okanye ngaphezulu. Aba bafake izicelo banokuthi bajikeleze umgaqo weminyaka emibini.
