Imali mboleko yokwakha e-UK
IHelp to Purchase Incentive (HTB) sisikimu sokunceda abathengi bokuqala ukuba bafumane idiphozithi yekhaya. Ikuvumela ukuba wenze ibango lembuyekezo yerhafu oyihlawule eIreland kule minyaka mine idlulileyo. Isibonelelo esifumanekayo kubathengi bokuqala sanyuswa ngoJulayi ka-2020, kwaye oku kunyuka kwandisiwe kuhlahlo lwabiwo-mali olulandelayo. Olu lwando, olwaziwa njengesicwangciso soncedo lokuthenga eyongeziweyo, sandiswa ukuya kutsho nge-31 kaDisemba 2022 kuhlahlo lwabiwo-mali luka-2022. Isixa-mali esinokucelwa singaphantsi:
Ukuba unako ukuthenga indlu ngee-euro ezingama-200.000, umbolekisi wakho unokukunika ukuya kuthi ga kwi-160.000 yee-euro. Oku kuthetha ukuba kufuneka ube ne-€40.000 eseleyo, okanye i-20%, egcinwe kwidiphozithi yakho. Ngolwazi oluthe kratya, ndwendwela iBhanki Embindi yaseIreland iwebhusayithi.
Uphonononge ngononophelo ibhajethi yakho ukuze ubone ukuba yimalini na onokuyisebenzisa kwiintlawulo zezindlu nyanga nganye kwaye uqinisekise ukuba unokwaneleyo ukuhlawulela ezinye iindleko zokuthenga nokugcina ikhaya. Iindleko eziqikelelwayo zento nganye yazo ziboniswe ngezantsi.
Sebenzisa umcwangcisi wethu wohlahlo lwabiwo-mali ukuqikelela oko unokukufikelela ngokukhululekileyo kwinyanga nganye. Faka kuhlahlo lwabiwo-mali lwakho isixa esiqhelekileyo seendleko ezingalindelekanga, njengeendleko zonyango, ukonyuka kwenzala, njl.
Ngaba imali-mboleko iyahlawulwa ngelixa kusakhiwa indlu?
Umalunga nokushiya iwebhusayithi yaseMidAtlantic Farm Credit. Asinaxanduva, kwaye asilawuli, sixhasa, okanye siqinisekisa umxholo, iimveliso, kunye/okanye iinkonzo kula maphepha alandelayo. Indawo edityanisiweyo inokuba nomgaqo-nkqubo wabucala owahlukileyo okanye ibonelele ngokhuseleko oluncinci kunewebhusayithi yethu ekufuneka uyazi. Enkosi.
Inkqubo yokuthenga umhlaba kunye nokwakha ikhaya inokubhida, ngakumbi ukuba awuzange uyenze ngaphambili. Kukho iindlela ezahlukeneyo zokuxhasa ubunini kunye nokwakhiwa kwekhaya lakho, kwaye umbolekisi wakho kufuneka akwazi ukukunceda ukhethe oko kusebenza ngcono kwimeko yakho yezemali. Eli nqaku liza kukufundisa umahluko phakathi kweemali mboleko zomhlaba kunye neemali mboleko, kwaye likwazise ngeendlela zokuxhasa ngemali ukuthenga umhlaba wokwakha ikhaya.
Imali-mboleko yomhlaba ibeka umngcipheko omkhulu kumbolekisi njengoko ngokuqhelekileyo kungekho sakhiwo okanye indawo yokuhlala kwipropati. Xa umntu ethenga umhlaba, udla ngokuba sele enentlawulo yokubambisa okanye yerenti. Ukuba kunokwenzeka ukuba kubekho ubunzima bezemali, loo mntu unokungaphumeleli kwimali-mboleko engenanto endaweni yokubambisa okanye irente; Enyanisweni, yiloo nto uninzi lwababolekisi-mali bengayi kuxhasa ngemali umhlaba ongenanto!
Idiphozithi yemali-mboleko yokuzakhela ngokwakho
Enye yezinto eziluncedo ekuthengeni ikhaya kukuba unokwakha i-equity kuyo kwaye usebenzise elo lungelo ukuhlawulela ulungiso olukhulu lwekhitshi, ukuphelisa ityala lekhadi letyala letyala elinenzala ephezulu, okanye uncedise ekuhlawuleni imfundo yabantwana bakho ekholejini.
Ixabiso leNet ngumahluko phakathi kwento oyityalayo kwimali yokubambisa kunye nexabiso langoku lekhaya lakho. Ukuba utyala i-$150.000 kwimali-mboleko yakho yendlu kwaye ikhaya lakho lixabisa i-200.000 yeedola, une-50.000 yeedola ze-equity kwikhaya lakho.
Masithi uthenga indlu ngeedola ezingama-200.000. Unokwenza intlawulo ephantsi ye-10% yexabiso lokuthenga indlu, eya kuba yi-$ 20.000. Umbolekisi wakho uya kukunika imali-mboleko yendlu eyi-$180.000.
Kuphela ngumvavanyi wezindlu nomhlaba onokukunika uhlolo olusemthethweni lwexabiso lemarike yangoku yekhaya lakho. Nangona kunjalo, unokuqikelela ixabiso lekhaya lakho ngokujonga ukuthengiswa kwekhaya okuthelekiswayo kwindawo yakho okanye ngokujonga ukuthengiswa kwe-intanethi ye-real estate ebonelela ngoqikelelo lwexabiso lekhaya.
Ukufumana ukuba ungakanani na onokukwazi ukubeka phantsi linyathelo elikhulu ekuqondeni ukuba uya kwakha njani ixabiso kwikhaya lakho. Ukufumana imvume yokuboleka imali ngaphambi kokuba wenze isithembiso kuya kukunceda uqonde ukuba yimalini na imali oyongayo oya kuyidinga ukuyisebenzisela intlawulo ephantsi.
Uzakhele i-Mortgage Calculator
Abantu abaninzi, bobabini abanini-zindlu kunye nabatyali-mali, bajonga ukuthenga ngaphandle kwesicwangciso njengendlela elungileyo yokuthenga ikhaya elitsha. Nangona kunjalo, njengalo naluphi na utyalo-mali, kufuneka uqwalasele izinto ezilungileyo kunye nezibi zokuthenga ngaphandle kwesicwangciso.
Ukuthenga iplani kuthetha ukuthenga indawo engekakhiwa okanye engekakhiwa. Isigqibo sokuthenga sisekelwe kwizicwangciso zokwakha kunye noyilo, kungekhona imveliso egqityiweyo.
I-LVR yakho ibalulekile kuba iyakuchaphazela ukuba ufuna ukuhlawula iindleko ezongezelelweyo ze-Lenders Mortgage Insurance (LMI) kwimali mboleko yakho. I-LMI yi-inshorensi oyihlawulelayo, kodwa ikhusela ibhanki (hayi wena) ukuba uyasilela kwimali-mboleko kwaye imali ekuthengisweni kwepropathi yakho yokhuseleko ayanelanga ukuhlawula imali-mboleko.
Ngakolunye uhlangothi, ukuba ixabiso lepropati liwela kwi-$ 500.000 ukuya kwi-$ 400.000, i-LVR yakho iya kunyuka. Ukuba awugcinanga kakhulu kwidiphozithi yakho, oku kunokuchaphazela amathuba akho okufumana imali-mboleko, okanye kunokuthetha ukuba kufuneka uhlawule i-IML ukuba ufumana imali-mboleko entsha.
