I-Remortgage yokuthenga irenti
Ukufikelela kwinqununu yemali-mboleko kulula. Ngokuhlawulelwa kwe-mortgage elula, ungasondela ekuthengeni ikhaya lesibini. Ukusebenzisa i-equity evela kwipropathi yotyalo-mali ukuthenga ikhaya nako kusebenza ngendlela efanayo. I-equity kwikhaya lakho okanye kwipropathi yotyalo-mali ingasetyenziswa njengediphozithi kwipropati yesibini, ngelixa ipropati yakho yangoku iba sisibambiso setyala elitsha. Ukusebenzisa i-equity kukuvumela ukuba uthenge indawo yesibini ngaphandle kwesidingo sediphozithi yemali.
Xa ixabiso lendlu yakho linyuka, i-equity yenza njalo. Ixabiso lendlu linokwenyuka ngenxa yokukhula kwenqununu okanye kwiintlawulo ezinikezelweyo zokubambisa. Ungalinyusa ixabiso lekhaya lakho ngokulihlaziya (nangona kuya kufuneka ujongane neendleko zemathiriyeli kunye nomsebenzi ukwenza oko).
Uhlawula inzala kuphela kwinto oyichithayo. Unokucela ukukhululwa kwenqununu, kodwa ukuba awukakulungeli ukusebenzisa imali ngoku, qiniseka ukuba unayo i-akhawunti engaphantsi kwe-offsetting ukuze ungahlawuli inzala ekunyusweni kwemali mboleko uze usebenzise imali.
Ukuba uthatha isixa, uyakuhlawula inzala kuyo yonke loo mali. Ngomgca wetyala, uhlawula inzala kuphela kwisixa esisetyenzisiweyo, kodwa unokuhendeka ukuba ufikelele kule mali kwizinto zobunewunewu obungeyomfuneko.
Ngaba ndingathatha imali-mboleko kwindlu yam ukuze ndithenge enye indawo?
Ngokuqhelekileyo, amazinga enzala kwiipropati zotyalo-mali aphakathi kwe-0,5% kunye ne-0,75% ephezulu kunemilinganiselo yemarike. Kwimeko yekhaya lesibini okanye ikhaya leeholide, zingaphezulu nje kancinci kunezinga lenzala elinokusebenza kwikhaya elikhulu.
Ngokuqinisekileyo, imilinganiselo yokubolekwa kwezindlu kwiipropati zotyalo-mali kunye nezindlu zesibini ziyaqhubeka zixhomekeke kwizinto ezifanayo njengemilinganiselo yokubolekwa kwezindlu. Eyakho iya kwahluka ngokusekwe kwimarike, umvuzo wakho, amanqaku akho etyala, indawo okuyo, kunye nezinye izinto.
Ababolekisi balindele ukuba ikhaya leholide okanye ikhaya lesibini lisetyenziswe nguwe, usapho lwakho, kunye nabahlobo bakho ubuncinci benxalenye yonyaka. Nangona kunjalo, uhlala uvunyelwe ukuba ufumane umvuzo wokurenta kwikhaya xa ungasebenzisi. Izikhokelo zengeniso yerenti ziyahluka ngokomboleki.
Ukuthenga ikhaya lesibini okanye ikhaya leholide kufuna amanqaku aphezulu etyala, ngokuqhelekileyo kuluhlu lwama-640 okanye ngaphezulu. Ababolekisi nabo baya kukhangela amatyala amancinci kunye nokufikeleleka ngakumbi, oku kuthetha ukuba umlinganiselo wetyala ukuya kwingeniso. Oovimba abalungileyo (iimali ezongezelelweyo emva kokuvalwa) nazo ziluncedo kakhulu.
Amazinga emali-mboleko aphezulu kakhulu kwiipropati zotyalo-mali. Amaxesha amaninzi inzala iya kuba yi-0,5% ukuya kwi-0,75% ephezulu kwipropathi yotyalo-mali kunokuba bekuya kuba njalo ukuba uthenga ikhaya elinye njengendawo yakho yokuqala yokuhlala.
Thenga indawo yesibini yokuhlala
Kukho izizathu ezininzi zokuba kutheni unokufuna ukufikelela kwisixa esikhulu semali. Mhlawumbi ucinga ngokubuyela esikolweni, okanye kufuneka udibanise iibhalansi zekhadi letyala eliphezulu. Okanye mhlawumbi ufuna ukwenza ukulungiswa kwekhaya?
Nangona i-Rocket Mortgage® ingaveli kwi-mortgage yesibini, siya kukuchazela into ekufuneka uyazi malunga nokubambisa kwesibini kunye nendlela esebenza ngayo. Siza kukuhamba ngeendlela ezizezinye zenkxaso-mali, njengemali-mboleko yobuqu okanye ukukhupha imali kwakhona, ezinokuba ziinketho ezingcono kuwe.
Ngamanye amazwi, umbolekisi wakho unelungelo lokulawula ikhaya lakho ukuba uyasilela kwimali-mboleko. Xa kukhontrakthi yesibini yokubambisa, i-lien isekwa kwicala lendlu ehlawulweyo.
Ngokungafaniyo nezinye iintlobo zeemali-mboleko, njengemoto okanye iimali-mboleko zabafundi, ungasebenzisa imali kwimali-mboleko yakho yesibini malunga nayo nantoni na. Iimali-mboleko zesibini nazo zibonelela ngenzala ephantsi kakhulu kunamakhadi okuthenga ngetyala. Lo mahluko ubenza babe yindlela enomtsalane yokuhlawula ityala lekhadi letyala.
Ikhaltyhuleyitha ye-Mortgage yokuthenga ikhaya lesibini
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.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
