Ngubani owenza imali yokubambisa iminyaka engama-40
Ekubeni i-Mortgage Market Review (MMR) yaziswa ngo-2014, ukufaka isicelo se-mortgage kunokuba nzima kwabanye: ababolekisi kufuneka bahlole ukufikeleleka kwaye bathathele ingqalelo inani lezinto, kuquka iminyaka.
Injongo kukuqinisekisa ukuba abantu abathatha umhlala-phantsi abanamali-mboleko engafikelelekiyo kubo. Kuba imivuzo yabantu ithande ukwehla xa beyekile ukusebenza kwaye baqokelele imali yabo yomhlalaphantsi, iRisk Management Regulations ikhuthaza ababolekisi nababoleki ukuba bahlawule imali yokubambisa ngaphambi koko. Nangona kunjalo, oku akusoloko kusenzeka okanye kusebenzele wonke umntu, kwaye abanye ababolekisi badibanisa oku ngokubeka imida yeminyaka yokubuyisela imali mboleko. Ngokuqhelekileyo, le mida yobudala i-70 okanye i-75, ishiya ababoleki abaninzi abadala kunye neendlela ezimbalwa.
Isiphumo sesibini sale mida yobudala kukuba imimiselo ifinyeziwe, oko kukuthi, kufuneka ihlawulwe ngokukhawuleza. Kwaye oku kuthetha ukuba imirhumo yenyanga iphezulu, enokuthi ibenze bafikeleleke. Oku kukhokelele kwizityholo zocalulo lobudala, ngaphandle kweenjongo ezintle zeRMM.
NgoMeyi ka-2018, u-Aldermore uphehlelele imali yokubambisa onokuthi ube nayo ukuya kuthi ga kwiminyaka engama-99 #JusticeFor100yearoldmortgagepayers. Kwangaloo nyanga inye, uMbutho Wokwakha Iintsapho wandisa ubudala bawo obona buninzi ekupheleni kwelo candelo ukuya kutsho kwiminyaka engama-95. Abanye, ubukhulu becala iinkampani zokubambisa, zibuphelise ngokupheleleyo ubudala obuphezulu. Nangona kunjalo, abanye ababolekisi besitrato esiphakamileyo basanyanzelisa umda weminyaka engama-70 okanye engama-75, kodwa ngoku kukho ukuguquguquka ngakumbi kubaboleki abadala, njengoko kwiLizwe lonke kunye neHalifax bandise umda weminyaka ukuya kuma-80.
Umda weminyaka yokubambisa e-UK
I-mortgage isoloko iyimfuneko ekuthengeni ikhaya, kodwa kunokuba nzima ukuqonda ukuba uhlawula ntoni kwaye yintoni onokukwazi ukuyihlawula. Ikhatyhuleyitha yokubambisa inokunceda ababoleki baqikelele iintlawulo zabo zenyanga ngokubhekiselele kwixabiso lokuthenga, intlawulo ephantsi, izinga lenzala, kunye nezinye iindleko zenyanga zomninimzi.
1. Faka ixabiso lendlu kunye nesixa sentlawulo yokuqala. Qala ngokongeza ixabiso elipheleleyo lokuthenga ikhaya ofuna ukulithenga kwicala lasekhohlo lesikrini. Ukuba awunayo indlu ethile engqondweni, unokuzama ngalo mzobo ukuze ubone ukuba yimalini na indlu onokufikelela kuyo. Ngokufanayo, ukuba ucinga ngokwenza umnikelo kwindlu, le calculator inokukunceda ukuba ubone ukuba unganikezela kangakanani. Emva koko, yongeza intlawulo ephantsi olindele ukuyenza, mhlawumbi njengepesenti yexabiso lokuthenga okanye njengexabiso elithile.
2. Faka inzala. Ukuba sele ukhangele imali-mboleko kwaye unikwe uthotho lwenzala, faka enye yaloo maxabiso kwibhokisi yenzala esekhohlo. Ukuba awukayifumani inzala okwangoku, ungafaka umndilili wangoku wemali yemali-mboleko njengesiqalo.
Mingaphi iminyaka endinokuyifumana imali yokuthenga indlu?
Umyinge wexesha lentlawulo yemali mboleko yiminyaka engama-25. Kodwa ngokophononongo olwenziwe yi-mortgage broker L&C Mortgages, inani labathengi bokuqala abathatha imali mboleko yeminyaka engama-31 ukuya kuma-35 liphindeke kabini phakathi kuka-2005 no-2015.
Masithi uthenga ipropathi eyi-£250.000 ngexabiso le-3% kwaye unediphozithi engama-30%. Ukuboleka i-£175.000 kwiminyaka engama-25 kuya kukubiza i-£830 ngenyanga. Ukuba iminyaka emihlanu yongezwa, intlawulo yenyanga iyancitshiswa ibe yi-738 pounds, ngelixa i-35-year mortgage ibiza kuphela i-673 pounds ngenyanga. Leyo yi-1.104 yeponti okanye i-1.884 yeponti ngaphantsi ngonyaka.
Nangona kunjalo, kufanelekile ukujonga isivumelwano semali mboleko ukuze ubone ukuba ungahlawula ngaphezulu na. Ukukwazi ukuyenza ngaphandle kwezohlwayo kukunika ukuguquguquka ngakumbi ukuba unonyuso okanye umoya wemali. Unako kwakhona ukuhlawula isixa sekhontrakthi ukuba amaxesha aba nzima.
Kufanelekile ukucinga ngako, njengoko nayiphi na imali eyongezelelweyo oyifaka kwi-mortgage yakho ngaphezu kwesixa-mali esiqhelekileyo senyanga siya kufinyeza ubude bemali-mboleko, okonga inzala eyongezelelweyo kubomi bemali-mboleko.
Umda wokuboleka imali weminyaka engama-35
Umyinge wexesha lentlawulo yemali mboleko yiminyaka engama-25. Kodwa ngokophononongo olwenziwe yi-mortgage broker L&C Mortgages, inani labathengi bokuqala abathatha imali mboleko yeminyaka engama-31 ukuya kuma-35 liphindeke kabini phakathi kuka-2005 no-2015.
Masithi uthenga ipropathi eyi-£250.000 ngexabiso le-3% kwaye unediphozithi engama-30%. Ukuboleka i-£175.000 kwiminyaka engama-25 kuya kukubiza i-£830 ngenyanga. Ukuba iminyaka emihlanu yongezwa, intlawulo yenyanga iyancitshiswa ibe yi-738 pounds, ngelixa i-35-year mortgage ibiza kuphela i-673 pounds ngenyanga. Leyo yi-1.104 yeponti okanye i-1.884 yeponti ngaphantsi ngonyaka.
Nangona kunjalo, kufanelekile ukujonga isivumelwano semali mboleko ukuze ubone ukuba ungahlawula ngaphezulu na. Ukukwazi ukuyenza ngaphandle kwezohlwayo kukunika ukuguquguquka ngakumbi ukuba unonyuso okanye umoya wemali. Unako kwakhona ukuhlawula isixa sekhontrakthi ukuba amaxesha aba nzima.
Kufanelekile ukucinga ngako, njengoko nayiphi na imali eyongezelelweyo oyifaka kwi-mortgage yakho ngaphezu kwesixa-mali esiqhelekileyo senyanga siya kufinyeza ubude bemali-mboleko, okonga inzala eyongezelelweyo kubomi bemali-mboleko.
