Umyinge wemali mboleko eguqukayo
Umahluko phakathi kwe-mortgage ye-fixed-rate kunye ne-mortgage-rate rate ngokusisiseko ibandakanya ukukhetha phakathi kwe-mortgage mboleko apho isixa esifanayo siya kuhlala sihlawulwa (nangona izinga lenzala linokuthi ekuqaleni libe phezulu) okanye enye iyahluka ngokuxhomekeke kwisalathiso. apho idityaniswe khona (ngokuqhelekileyo i-Euribor yonyaka omnye).
I-mortgage ye-fixed rate ye-mortgage iyahlukaniswa yintlawulo emiselweyo yentlawulo eqhelekileyo, kodwa ibandakanya ukubuyiswa kwenqununu kwizinga eliphantsi kwaye unokuhlawula kuqala inzala ephezulu kune-mortgage ye-mortgage. Ukuzinza kwezavenge zenyanga kunye nokuqiniseka okupheleleyo kwento eya kuhlawulwa ngexesha lonke lemali mboleko yisiseko solu hlobo lwesivumelwano, olungekho phantsi kweenguqu zemarike.
I-mortgage ye-fixed-rate-mortgage ifaneleke ngokukodwa kwixesha elifutshane, elingadlulanga kwiminyaka engama-20, nangona kunokwenzeka ukufumana i-mortgages esisigxina kunye nexesha elide lokubuyisela, ukuya kwiminyaka engama-30. Intlawulo yemali-mboleko emiselweyo inika inzuzo yokuphepha umngcipheko wokunyuka kwenzala, ngaloo ndlela iqinisekisa isavenge senyanga esifanayo kubo bonke ubomi bemboleko.
Umyinge wemali mboleko eguqukayo
Iimali zokubolekwa kwezindlu eziguquguqukayo ngokuqhelekileyo zibonelela ngamaxabiso aphantsi kunye nokuguquguquka okungakumbi, kodwa ukuba iireyithi ziyenyuka, unokugqiba ukuhlawula ngaphezulu ekupheleni kwekota. I-Fixed-rate-mortgages inokuba namaxabiso aphezulu, kodwa iza nesiqinisekiso sokuba uya kuhlawula isixa esifanayo ngenyanga nganye kwixesha lonke.
Nanini na xa kukhontrakthi yokuboleka imali, enye yeendlela zokuqala kukwenza isigqibo phakathi kweereyithi ezimiselweyo okanye eziguquguqukayo. Kulula ukuba sesinye sezona zigqibo zibalulekileyo onokuthi uzenze, njengoko ziya kuchaphazela iintlawulo zakho zenyanga kunye neendleko zizonke zemboleko yakho ngokuhamba kwexesha. Nangona kusenokuhenda ukuhamba nelona zinga liphantsi linikezelwayo, akulula kangako. Zombini ezi ntlobo zemboleko zineenzuzo kunye neengxaki zazo, ngoko ke kufuneka uqonde ukuba i-fixed-rate kunye ne-variable-rate-rertgages isebenza njani ngaphambi kokuba wenze isigqibo.
Kwiimali-mboleko ezimiselweyo, inzala iyafana kwixesha lonke. Ayinamsebenzi nokuba inzala iyenyuka okanye iyehla. Inzala yemali-mboleko yakho ayiyi kutshintsha, kwaye uya kuhlawula imali efanayo nyanga nganye. Ixabiso lemali ebolekwayo lihlala linenzala ephezulu kunemali ebolekwayo kuba iqinisekisa iqondo elingaguqukiyo.
Imizekelo yeereyithi eziguquguqukayo nezisisigxina
Ekubeni inzala iyafana, uya kuhlala uyazi xa uya kuhlawula imali yakho yokubolekwa kwezindlu Kulula ukuyiqonda ngaphezu kwe-mortgage yezinga eliguquguqukayo Uya kuqiniseka ukuba uyazi ukuba uhlahlo lwabiwo-mali lwentlawulo yakho ye-mortgage Ireyithi yenzala yokuqala idla ngokuba ngaphantsi kwe-A. Intlawulo esezantsi esezantsi inokukunceda ukuba ufumane imali mboleko enkulu Ukuba inqanaba lenqununu liyehla kwaye nenzala yakho iyehla, iintlawulo zakho ezininzi ziya kwinqununu.
Izinga lenzala lokuqala lidla ngokuba phezulu kunelo lentlawulo yemali-mboleko eguquguqukayo. Izinga lenzala lihlala lizinzileyo kulo lonke ixesha lokubambisa. Ukuba uyasaphula imali yokubambisa ngaso nasiphi na isizathu, izohlwayo ziya kuba phezulu kunentlawulo yemali-mboleko eguquguqukayo.
I-mortgage iyaguquguquka okanye ilungisiwe
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.
Ukuthatha imali yokubolekwa kwezindlu kunokuthetha kuphela ukugcina ibhalansi ekhoyo kwisivumelwano sangoku esisisigxina okanye isaphulelo, ngoko ke kufuneka ukhethe enye isivumelwano kuyo nayiphi na imali-mboleko eyongezelelweyo ehambayo, kwaye le nto entsha ayinakwenzeka ukuba ihambelane nesivumelwano esitsha Ishedyuli yesivumelwano esikhoyo.
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
