Inzala ye-70s
Umyinge wemilinganiselo yemali-mboleko unyuke izolo. Kwaye abakhange bafuduke phakathi evekini; bavele banyuka. Ewe, zonke izihloko ezimalunga nokuwa kweemarike kunye nentlekele ezayo ayizange ichukumise aba bafana kwiintsuku ezisixhenxe ezidlulileyo.
Izolo, iimarike zemasheya zaqala ukunyuka. Kwandula ke, ngexesha lesidlo sasemini, zawa. Ekugqibeleni, emva kwemini, baqalisa ukukhwela kwakhona. Xa kukho ukuguquguquka okukhulu ngosuku olunye, ukuqikelela iintsingiselo zemarike ngeveki kuyaphambana. Ngoko ke ndiza kunyaniseka kwaye ndivume ukuba andinalwazi apho amaxabiso e-mortgage ayakuba khona kwiintsuku ezisixhenxe.
Musa ukuvalelwa ngaphandle ngemini apho amaxabiso emali-mboleko ebonakala ngathi ayehla. Iingcebiso zam (ngezantsi) zenzelwe ukunika iingcebiso zexesha elide malunga nolwalathiso oluqhelekileyo lwalabo bafana. Ke ngoko, azitshintshi imihla ngemihla ukubonisa iimvakalelo ezidlulayo kwiimarike eziguquguqukayo.
Ngeemarike ezingaqinisekanga, nguwe kuphela onokuthatha isigqibo sokuba uza kusivala nini na imali yakho yokubambisa. Akufunekanga ndothuke kwaphela xa benyukela phezulu okanye besezantsi kwiveki ezayo. Ngoko ke, andikho kwimeko yokukukhokela.
Imali mboleko yendlu
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.
Iintatheli zethu zemboleko-mali kunye nabahleli bagxila kwinto ekhathalelwa kakhulu ngabathengi- awona maxabiso amva nje, ababolekisi ababalaseleyo, ukukhangela inkqubo yokuthenga ikhaya, ukubuyisela imali mboleko yakho kunye nokunye okuninzi-ukuze uzive uzithembile xa usenza izigqibo njengomthengi kunye nomnini wezindlu. ikhaya.
i-mortgage calculator
Iingcali zethu bezikunceda ukuba uphathe imali yakho ngaphezulu kweminyaka engamashumi amane. Sihlala sizama ukunika abathengi iingcebiso zobuchwephesha kunye nezixhobo eziyimfuneko ukuphumelela kuhambo lwezemali lobomi.
Abathengisi bethu abasibuyekezi ngophononongo olululo okanye iingcebiso. Indawo yethu inoluhlu olubanzi lwasimahla kunye nolwazi kwiinkonzo ezininzi zezemali, ukusuka kwiimali mboleko ukuya kwiibhanki ukuya kwi-inshurensi, kodwa asibandakanyi yonke imveliso kwimarike. Kwakhona, ngelixa sizama ukwenza uluhlu lwethu lube sexesheni kangangoko kunokwenzeka, nceda uqhagamshelane nabathengisi ngabanye ngolwazi lwamva nje.
Ukuba ufuna imali-mboleko engaphezulu kwe-548.250 yeedola, ababolekisi kwiindawo ezithile bangakwazi ukukunika imimiselo eyahlukileyo kunaleyo idweliswe kwitheyibhile engentla. Kufuneka uqinisekise imiqathango kunye nombolekisi ngemali eceliweyo yemali-mboleko.
Irhafu ne-inshorensi ayiqukwanga kwimiqathango yemali-mboleko: Imiqathango yemali-mboleko (imizekelo ye-APR neentlawulo) eboniswe ngasentla ayiquki iimali zerhafu okanye izavenge zeinshorensi. Imali yakho yentlawulo yenyanga iya kuba phezulu ukuba iirhafu kunye nezavenge zeinshorensi zibandakanyiwe.
I-30 yeminyaka emiselweyo ye-mortgage freddie mac
Xa ukhetha i-mortgage, musa ukujonga nje izavenge zenyanga. Kubalulekile ukuqonda ukuba zixabisa malini iintlawulo zakho zenzala, xa zinokunyuka, kwaye ziya kuba yintoni iintlawulo zakho emva koko.
Xa eli xesha liphela, liya kuya kwizinga eliguquguqukayo eliqhelekileyo (SVR), ngaphandle kokuba uboleka imali. Umyinge oguquguqukayo oqhelekileyo unokuba phezulu kakhulu kunomlinganiselo omiselweyo, onokuthi ukongeza kakhulu kwizavenge zakho zenyanga.
Uninzi lwezindlu zokubambisa ngoku "ziyaphatheka", okuthetha ukuba zinokufuduswa zisiwe kwipropathi entsha. Nangona kunjalo, intshukumo ithathwa njengesicelo esitsha se-mortgage, ngoko ke kuya kufuneka uhlangabezane neetshekhi zokufikeleleka kombolekisi kunye nezinye iindlela zokwamkelwa kwi-mortgage.
"Porting" a mortgage ngokufuthi kuthetha ukugcina kuphela ibhalansi ekhoyo kwi yangoku fixed okanye deal isaphulelo, ngoko ke kufuneka ukhethe enye isivumelwano naziphi na iimali-mboleko ezihambayo ezongezelelweyo, kwaye le deal entsha akunakwenzeka ukuba ihambelane.ishedyuli yesivumelwano ekhoyo.
Ukuba uyazi ukuba unokuhamba ngexesha lokuhlawula kwangaphambili kuyo nayiphi na isivumelwano esitsha, unokufuna ukuqwalasela izibonelelo ezineendleko eziphantsi okanye ezingabikho kwangethuba, nto leyo eya kukunika inkululeko engakumbi yokuthenga phakathi kwababolekisi ngemali xa ixesha lifikile. shukuma
