Iimali zokubambisa ezikhuselweyo kubathengi bokuqala
Khumbula i-90s kunye ne-00s ezukileyo ngaphambi kweengxaki zemali ze-2008? Indawo yokulala inokufaka isicelo semali-mboleko okanye imali-mboleko kwaye yamkelwe. Abantu bafumana iileta ezivela ebhankini rhoqo emva kweenyanga ezintandathu okanye ngaphezulu besithi umda wabo wetyala wonyuswe ngewaka leeponti okanye njalo, akukho mibuzo ibuzwayo.
Kule mihla, ukufumana imali-mboleko okanye imali-mboleko kunzima kakhulu. Iibhanki zenza “uvavanyo lokufikeleleka” olungqongqo ukubona ukuba ungakwazi na ukuyibuyisa imali ezikuboleke yona. Kwaye ukuba unembali embi yetyala okanye awunayo, inzala efunwayo inokuba yingozi.
Eli nqaku lichaza ukuba ngubani onokuba ngumqinisekisi, iimfuno ekufuneka zihlangatyezwe ngumqinisekisi kunye nemiba ekufuneka ithathelwe ingqalelo, kunye nokwazisa ngoxanduva lwakho kwimeko apho umntu oqinisekisayo ukuba uyasilela kwintlawulo yemali mboleko/ imali yokubambisa.
Isibambiso semali-mboleko ngokuqhelekileyo kufuneka sibanjwe de imali-mboleko ihlawulwe. Nangona kunjalo, i-guarantors ye-mortgage ayibophelelekanga kulo lonke ixesha le-25-30 ye-mortgage. Nje ukuba umninimzi akhele ukulingana okwaneleyo, ngokuqhelekileyo baya kuvunyelwa ukuba bahlawule imali kwaye isibambiso siya kususwa.
I-Mortgage enesiqinisekiso se-Hsbc
Ukuthenga ikhaya sisigqibo esibalulekileyo sezemali. Ukuba nepropati yakho kunokuba yi-asethi exabiseke kakhulu. Nangona kunjalo, ngokunyuka kwamaxabiso ezindlu, uninzi lwamaqela anemivuzo ephantsi kunye nephakathi kaninzi kufuneka abhenele kwiibhanki kunye neenkampani zezimali zamakhaya ukubanceda bathenge indawo abayifunayo. Kufuneka bacele imali-mboleko kwaye bayibuyisele ngezavenge ezilinganayo zenyanga kwithuba lexesha, behlawula inzala kwisixa-mali esifunyenweyo. Umbolekisi ukwalindele ukuba lowo ubolekayo ahlangabezane neemeko ezithile zemboleko. Kwiimeko ezininzi, ababolekisi bacela ababoleki ukuba babhalise njengabaqinisekisi bemali mboleko yendlu. Masiqonde indima yomgcini-mboleko kwimali-mboleko ye-mortgage kunye nezinto ekufuneka zithathelwe ingqalelo ngaphambi kokuba utyikitye njengomntu oqinisekisayo.
Ababolekisi bafuna ababoleki ukuba babhalisele i-guarantor, ngokuqhelekileyo kwiimali-mboleko zexabiso eliphezulu. Ezi mboleko zaziwa njengemali-mboleko ekhuselekileyo yokubambisa. Kule meko, i-guarantor ngumntu oqinisekisa ukuba uya kuhlawula ityala lomboleki ukuba akayi kuhlangabezana nesibophelelo sakhe semboleko. Umqinisekisi usebenza njengomsayini wemali-mboleko, ethembisa ngempahla yakhe xa lowo ubolekayo ehlawula imali-mboleko. Abaqinisekisi bakwasebenza njengabaqinisekisi bomlingiswa womfaki-sicelo wemali-mboleko.
I-Mortgage kunye nesibambiso se-100
Ngaba ungafumana amaxabiso amahle enzala kwiimali-mboleko ezibambiseneyo? Ngokubanzi, iimali-mboleko ezibambiseneyo zinezinga eliphezulu lenzala kunemali-mboleko eqhelekileyo. Oku kuthetha ukuba kuya kufuneka ucinge ngocoselelo malunga nokuba ungafikelela na umrhumo wenyanga phambi kokuba uthabathe inyathelo.
Ngaba i-mortgage ekhuselekileyo licebo elilungileyo? Imali-mboleko yokubambisa idala iqhina lemali phakathi koyise nonyana, ekubeni uyihlo enokubeka imali yakhe okanye impahla yakhe esichengeni ukuba akuhlawuli. Imali inokuba ngumbandela ochukumisayo, ngoko cingisisa nzulu enoba sisigqibo sobulumko kusini na.
Isiqinisekiso semali-mboleko yase-UK
Okokuqala, sibonelela ngendawo ehlawulelwayo ukuze abathengisi bangenise izinto zabo. Iintlawulo esizifumanayo ngokubekwa zichaphazela indlela kunye nendawo abathengisi ababonakala ngayo kwisayithi. Esi siza asibandakanyi zonke iinkampani okanye iimveliso ezikhoyo kwimarike.
Okokuqala, sibonelela ngendawo ehlawulelwayo ukuze abathengisi bangenise izinto zabo. Iintlawulo esizifumanayo kwezo ntengiso zichaphazela indlela kunye nendawo abathengisi ababonakala ngayo kwisayithi. Esi siza asibandakanyi zonke iinkampani okanye iimveliso ezikhoyo kwimarike.
Le yimali-mboleko evumela ilungu losapho elisondeleyo, ngokuqhelekileyo umzali okanye utatomkhulu, ukuba abe ngumqinisekisi wetyala. Oku kuthetha ukuba kufuneka basebenzise imali yabo yokulondoloza okanye ikhaya labo njengesibambiso semali-mboleko entsha.
I-guarantor ithatha inxalenye okanye yonke ingozi ye-mortgage entsha. Umqinisekisi kufuneka kwakhona avume ukuhlawulela zonke iintlawulo zenyanga ze-mortgage ukuba umninikhaya akakwazi ukuhlawula nasiphi na isizathu. Kodwa umntu oqinisekisayo akadli ngokuba ngumnini wayo nayiphi na inxalenye yepropati okanye adweliswe kwitayitile yekhaya.
