Barclays mortgage
Iimali mboleko ezingezantsi zibonisa ezona ndidi zingcono zemboleko ekhoyo kwabo bafudukela ekhaya bekhangela i-90% yemali-mboleko-kwixabiso le-mortgage offer. Uyakwazi ukulungisa le theyibhile ingezantsi ngokongeza ixabiso lepropati onqwenela ukuyithenga kunye nexabiso lemali-mboleko onqwenela ukuyifumana. Ukuba awuhambi ngendlu, ungaphinda uthenge i-remortgages kunye neyokuqala ngqa ukubambisa ikhaya.
Ityala liya kuqinisekiswa ngokuboleka imali kwipropati yakho. IKHAYA LAKHO LISENOKUVALWA UKUBA AKUWUGCINA IINTLAWULO ZAKHO ZOKUBAMBISANA. Ababolekisi banokukunika uqikelelo olubhaliweyo. Imali-mboleko ixhomekeke kwindawo kunye nokuxatyiswa kwaye ayifumaneki kwabo bangaphantsi kwe-18 leminyaka ubudala. Zonke iireyithi zinokutshintshwa ngaphandle kwesaziso. Nceda ujonge zonke iireyithi kunye nemigaqo nombolekisi wakho okanye umcebisi wezemali ngaphambi kokuba wenze nayiphi na imali-mboleko.
Amakhonkco akhawulezayo apho sinesivumelwano kunye nomthengisi ukuze uhambe ngokuthe ngqo kwindawo yethu ukuya kweyabo ukujonga ulwazi oluninzi kwaye u-odole imveliso. Sikwasebenzisa amakhonkco akhawulezayo xa sinesivumelwano nomthengisi okhethiweyo ukuba akuse ngqo kwiwebhusayithi yakhe. Ngokuxhomekeke kwisivumelwano, sinokufumana ikhomishini ethobekileyo xa ucofa iqhosha elithi "Yiya kuMboneleli" okanye "Thetha kwiBroker", fowunela inombolo epapashiweyo, okanye ugcwalise isicelo.
i-mortgage calculator
Ngokomzekelo, ixabiso lendlu ephakathi e-UK laliyi-£ 256.000 ngo-Matshi 2021, ngokwe-Ofisi yeNkcazo yeSizwe. Ke ngoko, kuya kufuneka udipozithe ubuncinci i-5% ye-£ 12.800 kwaye uthathe i-95% yemali mboleko kwi-£ 243.200 eseleyo.
Isicwangciso siya kusebenza kude kube nguDisemba 2022 kwaye siyafumaneka kubo bobabini abathenga izindlu okokuqala kunye nabatshintshi bezindlu. Ipropati ethengwayo kufuneka ibe yeyona ndawo yokuhlala iphambili kwaye inexabiso eliphezulu le-£ 600.000. Ayifumaneki kumakhaya esibini, kwizakhiwo ezirentwayo, okanye kulwakhiwo olutsha.
Unokuqala ngokunika iinkcukacha ezithile malunga neemeko zakho, umvuzo wakho kunye neendleko zakho. Nje ukuba kwenziwe oko, uya kuzibona iinketho ezimbalwa zokubambisa kwaye ufumane 'isigqibo ngokomgaqo' wokukhuphela.
Kuya kubakho iimvavanyo zokufikeleleka ngakumbi, njengokujonga umlinganiselo wemali-mboleko ukuya kwingeniso-ukuqinisekisa ukuba unako ukuyihlawula imali-mboleko-kunye nohlalutyo olubanzi lwamanqaku etyala olunika ababolekisi umbono wembali yakho yetyala kunye nokuthembeka.
Nabani na unokufaka isicelo semali mboleko ngediphozithi ephantsi, kodwa akukho siqinisekiso sokuba uya kwamkelwa. Konke ukwaliwa kwesicelo kunokuchaphazela kakubi ingxelo yakho yetyala, ngoko ke akufunekanga uqhubeke usenza isicelo ngokuphindaphindiweyo.
Imali-mboleko yokuthenga ikhaya
Imarike yezindlu ikhula ngokukhawuleza, ngoko ke kubalulekile ukunikela ingqalelo kwiintsingiselo kwaye uqonde indlela izinto ezahlukeneyo ezinokuchaphazela ngayo omnye nomnye. Enye indlela yokuqonda ngcono imarike kukuhlalutya imixholo ngokubanzi kunye nezibalo ezahlukeneyo ze-real estate. Ukunceda abathengi bamakhaya baqonde ngcono olu lwazi, sigxile kwiindlela zokuboleka imali kunye nezibalo zokuthenga ikhaya.
Ukuthenga ikhaya liphupha labantu abaninzi baseMelika. Sifake inani lamanani okuthenga amakhaya ukubonisa indlela eli phupha laseMelika elizihlanganise ngayo iintsapho kunye noluntu. Oku kuquka iireyithi zobunini bezindlu, iintlobo zezindlu, iindawo ezikhethwayo, inkqubo yokuthenga, kunye nedatha enxulumene nobudala kwizinto ezikhethwa ngumthengi kunye nezenzo.
Nokuba uyathenga okanye uthengisa ikhaya lakho, kuyahlawula ukuqonda izinto ezikhuthazayo kunye neempawu zentengiso yomthengi. Umzekelo, njengomthengi, unokufumana indlela yokufumana isivumelwano esihle ukuba ujonge ikhaya eliphucukileyo kwaye lingabonakali kangako kunendlu esele ilungile kufutshane, ngakumbi ukuba ujonge umqalisi. ekhaya kwaye unokusebenzisa imali eyongezelelweyo.
Ukuthelekiswa kwe-Mortgage
Ukubolekwa kwezindluYeyiphi imithetho yeBhanki Enkulu yokubonelela ngezindlu? …Iilwimi ezifumanekayo kwiDaragh CassidyUmbhali oyiNtlokoImithetho yeBhanki Enkulu yonikezelo lwemali yendlu yaziswe ebutsheni buka-2015 kwaye itshintshe ngokusisiseko imo yemali-mboleko eIreland. Imigaqo ichaza ukuba yimalini onokuyiboleka kwimali-mboleko yemali-mboleko xa kuthelekiswa nomvuzo wakho, kwakunye nokuba yimalini ekufuneka uyigcine kwidipozithi, kwaye iyilelwe ukuqinisekisa ukuba amaziko emali abolekisa ngemali ngendlela enengqiqo. Nokuba ungumthengi wokuqala okanye awukho, ukuba ufuna ukufumana imali mboleko, into yokuqala ekufuneka uyenzile kukuya ngokukhawuleza kunye nemithetho yeBhanki Enkulu yokuboleka imali. Ngamafutshane, le migaqo ichaza inani lemali enokuthi ibolekwe ngokumalunga nengeniso kunye nemali emele ibekwe kwangaphambili njengediphozithi.
Nangona kunjalo, kuwo nawuphi na unyaka wekhalenda, i-20% yababolekisi bemali-mboleko abayenzayo kubathengi bokuqala banokudlula lo mda. Kubathengi bexesha lesibini kunye nabalandelayo, i-10% yeemali mboleko zingaphula umthetho womlinganiselo wemali-mboleko ukuya kwingeniso. Kule meko, edla ngokuba yi "waivers", ukuya kuthi ga kwi-4,5 amaxesha omvuzo womfaki-sicelo unokubolekwa kwezinye iimeko.
