IKhatyhuleyitha yeKhaya leSibini le-UK ye-Mortgage
Ixesha leeholide zasehlotyeni lenza abantu abaninzi bonwabe, kodwa kwabanye, unyaka wonke ukulangazelela ikhaya lesibini kuzisa i-melancholy. Ukuba ungomnye waba bantu bangathanda ukuba nendawo yokubaleka ngeempelaveki kunye neeholide ezinde, ezinobuvila kuwo onke amaxesha onyaka, ingqwalasela yakho yokuqala kufuneka ibe yindlela onokufikelela ngayo obo bunewunewu.
Ayizizo zonke izindlu zeeholide ezixabisa kakhulu, kunjalo, kodwa nangona ikhaya lesibini elifikelelekayo, ufuna ukuqiniseka ukuba ibhajethi yakho inokusingatha inqununu yenyanga eyongezelelweyo kunye neentlawulo zenzala kwi-mortgage, irhafu yepropathi, i-inshurensi yabaninikhaya kunye nayo nayiphi na imirhumo yombutho wabanikazi bezindlu. Ungalibali ukushiya indawo kuhlahlo lwabiwo-mali lwakho lolondolozo lwesiqhelo, amatyala aluncedo kunye nokuba nokwenzeka kolungiso olukhulu.
Kubathengi abaninzi bezindlu, i-FHA-insured loan yeyona ndlela ilungileyo kuba ezi mboleko zifuna intlawulo ephantsi ye-3,5% kuphela, kwaye ababolekisi banikezela ngemali mboleko nakubaboleki abanamanqaku aphantsi amatyala, ukuya kuthi ga kwi-580 okanye angaphantsi kwezinye iimeko. Nangona kunjalo, abathengi bezindlu zesibini abanako ukusebenzisa imali mboleko ye-FHA ekuthengeni kwabo; Ezi mboleko zilinganiselwe kuphela kumakhaya ayindawo yokuhlala eyintloko yababoleki.
Iindidi zeMali-mboleko yezindlu zesiBini vs. IiPropati zoTyalo-mali
kufuneka ibhalwe phantsi kwi-DU kwaye ifumane isindululo esiVunyiweyo/eSifanelekileyo, ngaphandle kweemali-mboleko zemali-mboleko ye-LTV ephezulu ekufuneka ibhalwe phantsi kweNdlela yokuReyitha engenye (jonga i-B5-7-03, iNdlela yokuReyitha eyenye).
1. Ukuba umbolekisi uchonga ingeniso yokurenta kwipropati, imali-mboleko ifanelekile ukuba ihlawulwe njengekhaya lesibini ngaphandle kokuba ingeniso ayisetyenziselwa iinjongo ezifanelekileyo, kwaye zonke ezinye iimfuneko zezindlu zesibini zihlangatyezwa (kubandakanywa nemfuneko yokuhlala kwangaphambili).
Iimali-mboleko ezithile ezikhuselwe ngamakhaya esibini ziphantsi kweLLPA. Le LLPA yongezelela kulo naluphi na olunye uhlengahlengiso lwamaxabiso olunokusebenza kwintengiselwano ekuthethwa ngayo. Jonga iMatrix yoLungiso lweNqanaba leMali-mboleko (LLPA).
Ngolwazi oluthe kratya olunxulumene neentlobo zokuhlala, bona i-B2-1.1-01, Iintlobo zokuHlala. Ngowona mlinganiselo uphezulu uvumelekileyo we-LTV/CLTV/HCLTV kunye neemfuno zamanqaku amele amatyala kwikhaya lesibini, bona i-Eligibility Matrix.
Inzala kwimali-mboleko yezindlu zesibini xa kuthelekiswa nekhaya eliphambili
Izindlu zethu zokubambisa zesibini zenzelwe nabani na ofuna ukuthenga indawo yokuhlala yesibini, enokuba likhaya lesibini elikufutshane nomsebenzi, ikhaya lelungu losapho elinokuhlala kulo, okanye ikhaya leholide elisetyenziselwa usapho. ezi propati azinakusetyenziselwa iinjongo zorhwebo okanye ukurenta). Ngoku engqondweni, siye sayila uluhlu oluthile lweemveliso ukuhlangabezana neemfuno zakho ngeendlela ezahlukeneyo.
Isantya sokuqala esilungisiweyo de kube yi-30/09/24. Emva koko, tshintshela kwi-SVR yeNkampani ngaphantsi kwesaphulelo se-1,25%, kude kube yi-30/09/2027 idibene. 30/09/2027, (Okwangoku)Emva koko i-SVR yeNkampani emva koko, (Okwangoku)Iindleko zizonke zothelekiso (APRC)Owona Mrhumo woLungiselelo lweLTVProduct
I-£ 105.000 ye-mortgage ehlawulwa kwiminyaka eyi-25, ekuqaleni kwinqanaba elimiselweyo le-2 iminyaka kwi-3,39% kwaye emva koko ngesaphulelo se-1,25% kwizinga lethu eliguquguqukayo langoku le-5,54%, elikhokelela kwizinga le-4,29% kwiminyaka eyi-3 kwaye emva koko. kwinqanaba lethu langoku eliguquguqukayo eliqhelekileyo le-5,54% kwiminyaka eyi-20 eseleyo, iya kufuna iintlawulo zenyanga ze-24 ze-£ 519,03, iintlawulo zenyanga ze-36 ze-£ 567,04 kunye ne-240 yeentlawulo zenyanga ze-£ 629,72.
Iindidi ezilungileyo kakhulu zokubolekwa kwezindlu zesibini
Phantse iikota ezintathu zezigidi zemizi eNgilani zinekhaya lesibini, malunga nesiqingatha sesigidi e-UK, ngokutsho kwamanani asemthethweni.Ukuba ucinga ukuthenga ipropati yesibini, kukho izinto ezininzi ekufuneka uziqwalasele kuqala. .
Iphezulu idipozithi onokuthi uyibeke phantsi, isezantsi inzala oza kuyifumana kwi-mortgage, ngoko kuya kufuneka uhlawule imali encinci iyonke. Kungcono ukuba nediphozithi enkulu kangangoko kunokwenzeka.
Konke kuxhomekeke kwiimeko zakho, ukuba yimalini oyichithayo kwipropati, uphando olwenzileyo kunye nento oceba ukuyenza ngepropati ukuze ubone ukuba lutyalo-mali olulungileyo. Unokufunda ngakumbi malunga notyalo lwezindlu nomhlaba apha.
Kodwa unokuyibona njengendlela yokutyala imali kwiiholide zakho ezizayo kunye nento oza kuyithengisa kwixesha elizayo. Ukuba uyazibuza ukuba kusekho ixesha elifanelekileyo lokutyala imali kwipropati, khangela inqaku lethu apha.
I-mortgage yekhaya nayo ifanelekile ukuqwalasela ukuba uba "ngumninimzi ngengozi." Usenokuba unepropati ulilifa kodwa sele unendlu engundoqo, okanye unokuba nobunzima bokuthengisa ikhaya lakho kwaye unyanzeleke ukuba ulirente.
