Elona xesha lokuboleka imali kubathengi bokuqala
Unyamezelo lwemali yokubolekwa kwezindlu luncede izigidi zabanini-zindlu baseMelika abanengxaki yokuphulukana nengeniso enxulumene nobhubhane ukuhlala ezindlini zabo. Urhulumente womdibaniso usandula ukwandisa isiqabu kunyamezelo, evumela abaninimzi ukuba banqumamise okwethutyana intlawulo yokubambisa ukuya kuthi ga kwiinyanga ezili-15, ukusuka kwiinyanga ezili-12 zokuqala. Kodwa kwabanye abaninimzi, olu ncedo lusenokunganelanga. Bafuna nje ukuba baphume kwi-mortgage yabo.
Ukuba uziva ufuna ukubaleka imali yakho yokubambisa kuba awukwazi ukuhlawula, awuwedwa. Ukusukela ngoNovemba ka-2020, i-3,9% yemali yokubambisa yayinetyala elibi, okuthetha ukuba bekusele kudlule iintsuku ezingama-90, ngokwenkampani yedatha yezindlu nemizi iCoreLogic. Eli zinga lobunjubaqa laliphindwe kathathu kunenyanga enye ngo-2019, kodwa lehle kakhulu ukusuka kubhubhane oluphezulu lwe-4,2% ngo-Epreli ka-2020.
Nangona ukulahlekelwa ngumsebenzi kuyisizathu esinye sokuba abaninimzi bafune indlela yokubalekela i-mortgage, ayisiyiyo yodwa. Uqhawulo-mtshato, iindleko zonyango, umhlala-phantsi, ukufuduka ngenxa yomsebenzi, okanye ikhadi lokuthenga ngetyala elininzi okanye amanye amatyala asenokuba nguthunywashe abaninimzi abasenokufuna ukuphuma kuwo.
I-Aib Mortgage
Ukuba uneengxaki zemali, awuwedwaUncedo luyafumaneka. Uninzi lwabaninimzi banelungelo lonyamezelo lwezemali olunxulumene ne-coronavirus. Unyamezelo lwenzeka xa umbolekisi okanye umbolekisi wakho ekuvumela ukuba unqumamise okanye unciphise iintlawulo zakho zokubambisa ixesha elithile ngelixa ufumana unyawo lwakho lwezemali. Unyamezelo aluzenzekeli, kodwa kufuneka lucelwe kwinkonzo ye-mortgage. Oku kunokubonakala ngathi linyathelo elikhulu, kodwa ukuthatha inyathelo ngoku kunokukunceda ukuba unqumame iintlawulo zakho kwaye uphephe ukuvalwa.
Isixa semali-mboleko yesiqhelo
I-mortgage yimali-mboleko yexesha elide eyenzelwe ukukunceda uthenge ikhaya. Ukongeza ekubuyiseleni imali eyinkunzi, kufuneka kwakhona uhlawule inzala kumbolekisi. Indlu nomhlaba oyijikelezileyo yenzelwa isibambiso. Kodwa ukuba ufuna ukuba nekhaya, kufuneka wazi ngaphezu kwezi zinto ziqhelekileyo. Le ngcamango iyasebenza nakwishishini, ngakumbi xa kuziwa kwiindleko ezizinzileyo kunye namanqaku okuvala.
Phantse wonke umntu othenga indlu unemali-mboleko. Amaxabiso ezindlu zokubolekwa kwezindlu ahlala ekhankanywa kwiindaba zangokuhlwa, kwaye intelekelelo malunga nemilinganiselo yesikhokelo iya kuhamba ibe yinxalenye yenkcubeko yezemali.
Imali yokubambisa yale mihla yavela ngo-1934, xa urhulumente-ukunceda ilizwe kwi-Great Depression - wadala inkqubo ye-mortgage eyanciphisa intlawulo efunekayo kwikhaya ngokwandisa imali abanokuba ngabanini-zindlu abanokuboleka. Ngaphambi koko, i-50% yentlawulo ephantsi yayifuneka.
Ngo-2022, i-20% yentlawulo ephantsi iyanqweneleka, ngakumbi ekubeni ukuba intlawulo ephantsi ingaphantsi kwe-20%, kufuneka uthathe i-inshurensi ye-mortgage yangasese (PMI), eyenza ukuba iintlawulo zakho zenyanga zibe phezulu. Noko ke, oko kunqwenelekayo akufuneki kufikeleleke. Kukho iinkqubo zokubambisa ezivumela iintlawulo eziphantsi kakhulu, kodwa ukuba ungayifumana loo 20%, kufuneka.
I-Mortgage yase-Ireland
Ukuba usemva kwintlawulo yakho yokubambisa, umbolekisi wakho uya kufuna ukuba umhlawule. Ukuba awenzi njalo, umbolekisi uya kuthatha amanyathelo asemthethweni. Oku kubizwa ngokuba sisenzo sobunini kwaye kunokukhokelela ekubeni uphulukane nekhaya lakho.
Ukuba uza kugxothwa, unokuxelela umbolekisi wakho ukuba ungumntu osengozini enkulu. Ukuba bayavuma ukuhlala ukukhutshwa, kufuneka uxelele inkundla kunye nabancedisi ngokukhawuleza: iinkcukacha zabo zoqhagamshelwano ziya kuba kwisaziso sokukhupha. Baza kuququzelela elinye ixesha lokukugxotha: kufuneka bakunike esinye isaziso seentsuku ezisi-7.
Ungamangala ukuba umbolekisi wakho wenze ngokungekho sikweni okanye ngokungekho ngqiqweni, okanye khange alandele iinkqubo ezifanelekileyo. Oku kunokunceda ekubambezelekeni kwenyathelo lenkundla okanye kucenge ijaji ukuba ikhuphe isigunyaziso esinqunyanyisiweyo sokuba nezinto endaweni yokuthethathethana ngesivumelwano nombolekisi wakho esinokukhokelela ekubeni ugxothwe ekhayeni lakho.
Umbolekisi wakho wokuthenga ngezindlu akufuneki athathele inyathelo lomthetho ngaphandle kokulandela iNdlela yokuziPhatha ye-Mortgage (MCOB) esetwe nguGunyaziwe wokuZiphatha kwiMali (FCA). Imithetho ithi umbolekisi wakho wemali-mboleko kufuneka akuphathe ngokufanelekileyo kwaye akunike ithuba elaneleyo lokufumana imali engekahlawulwa, ukuba unako. Kufuneka uthathele ingqalelo nasiphi na isicelo esinengqiqo osenzayo sokutshintsha ixesha okanye indlela yokuhlawula. Umbolekisi we- mortgage kufuneka athathe amanyathelo asemthethweni kuphela njengelinge lokugqibela ukuba zonke ezinye iinzame zokuqokelela imali esemva aziphumelelanga.
