I-0% yerhafu yengeniso yase-UK kwingeniso yenzala evela kwimali-mboleko yabalawuli
I-mortgage ngokwayo ayilotyala, sisiqinisekiso somboleki setyala. Lugqithiselo lwenzala kumhlaba (okanye olingana nawo) ukusuka kumnini ukuya kumbolekisi wemali-mboleko, phantsi komqathango wokuba le nzala iya kubuyiselwa kumnini xa imiqathango yemali mboleko iye yaneliswa okanye izalisekile. Ngamanye amazwi, i-mortgage isiqinisekiso semali-mboleko eyenziwa ngumboleki kumboleki.
Eli gama ligama lomthetho wesiFrentshi elithetha 'isibambiso esifileyo', ekuqaleni libhekisa kuphela kwi-mortgage yaseWales (jonga ngezantsi), kodwa kumaXesha Aphakathi kamva lasetyenziswa kuzo zonke iigeji kwaye yatolikwa ngokutsha nge-etymology edumileyo ukubonisa ukuba isibambiso siyaphela uyafa) xa unyanzeliso lufezekisiwe okanye ipropathi ithathwa ngokuthinjwa[1].
Kwiindawo ezininzi, iimali-mboleko zinxulunyaniswa ngamandla kunye neemali-mboleko ezikhuselwe yi-real estate, kunezinye ii-asethi (ezifana nezikhitshane), kwaye kwezinye iindawo ngumhlaba kuphela onokubanjwa. I-mortgage yindlela eqhelekileyo apho abantu kunye namashishini banokuthenga umhlaba ngaphandle kokuhlawula ixabiso elipheleleyo ngokukhawuleza kwimithombo yabo. Bona mboleko yokubambisa kwimali-mboleko yokuhlala, kunye ne-mortgage yorhwebo kwiimali-mboleko ezichasene nepropathi yorhwebo.
Ukuxhuzulwa kweRhafu yoMvuzo woMntu kwiMali-mboleko yeZindlu I kutsalwa ngokobugcisa.
Ukuba ucinga ngokuthenga ikhaya, ukufaka isicelo semali mboleko kunokubonakala kungumsebenzi onzima. Kuya kufuneka unikeze ngolwazi oluninzi kwaye ugcwalise iifom ezininzi, kodwa ukulungiswa kuya kunceda inkqubo ukuba ihambe kakuhle kangangoko.
Ukujonga ukufikeleleka yinkqubo eneenkcukacha ezininzi. Ababolekisi bathathela ingqalelo zonke iindleko zendlu yakho kunye neendleko, kunye nalo naliphi na ityala elinjengemali mboleko kunye namakhadi okuthenga ngetyala, ukuqinisekisa ukuba unokwaneleyo okushiyekileyo ukuze uhlawule iintlawulo zakho zenyanga.
Ukongeza, baya kwenza itshekhi yekhredithi kunye ne-arhente yereferensi yekhredithi emva kokuba ufake isicelo esisemthethweni sokujonga imbali yakho yemali kunye nokuvavanya umngcipheko onokuthi ubandakanyeke ekubolekeni kwakho.
Phambi kokuba wenze isicelo semali mboleko, qhagamshelana nee-arhente ezintathu eziphambili zezalathiso zetyala kwaye ujonge iingxelo zakho zamatyala. Qinisekisa ukuba akukho lwazi lungalunganga ngawe. Ungakwenza oku kwi-intanethi, nokuba kungenkonzo yorhumo oluhlawulelwayo okanye enye yeenkonzo zasimahla ze-intanethi ezikhoyo ngoku.
Ezinye ii-arhente zihlawulisa umrhumo ngeengcebiso, ukufumana ikhomishini kumbolekisi, okanye indibaniselwano yazo zombini. Baya kukwazisa ngeentlawulo zabo kunye nohlobo lwenkonzo abanokukunika yona kwintlanganiso yakho yokuqala. Abacebisi bangaphakathi kwiibhanki kunye neenkampani zokuboleka imali azidli ngokuhlawulisa ngeengcebiso zabo.
I-17 yeeNgcebiso zokuFayila iRhafu yePropati-UVavanyo lwe-UK Self
Phantsi komthetho wangoku, i-Home Equity Interest Deduction (HMID) ivumela abanini-zindlu abathatha iimbuyekezo zabo zerhafu ukuba batsale inzala ye-mortgage ehlawulwe ukuya kuthi ga kwi-750,000 yeedola zenqununu kwindawo yabo yokuhlala yokuqala okanye yesibini. I-cap yangoku ye-750.000 ye-cap yaziswa njengenxalenye ye-Tax Cut and Jobs Act (TCJA) kwaye iya kubuyela kwi-cap endala ye-1 yezigidi emva kwe-2025.
Izibonelelo ze-HMID ziya ikakhulu kubahlawuli berhafu abarhola kakhulu kuba abahlawuli berhafu abarhola kakhulu bakholisa ukwenza izinto rhoqo, kwaye ixabiso le-HMID liyanyuka ngexabiso lendlu. Ngelixa ixabiso elipheleleyo le-HMID lincitshisiwe yi-TCJA, isabelo sezibonelelo ngoku sigxininiswe kubahlawuli berhafu abarhola kakhulu njengoko abahlawuli berhafu abaninzi bethatha ukutsalwa okuqhelekileyo kwesisa.
Nangona i-HMID isoloko ijongwa njengomgaqo-nkqubo owandisa iziganeko zobunini bezindlu, uphando lubonisa ukuba i-HMID ayiphumeleli le njongo. Nangona kunjalo, kukho ubungqina bokuba i-HMID yonyusa iindleko zezindlu ngokunyusa imfuno yezindlu phakathi kwabahlawuli berhafu abahlawula iindleko zabo.
I-Mortgage ngaphandle kwamaxwebhu engeniso kwaye ngaphandle kwengxelo yengeniso
Ukuba ukhe waphupha ngokuzisebenzela, akuwedwa! Ngaba ubusazi ukuba i-20% yabantu baseCanada baziqeshile? Ukushiya ugqatso olukumgangatho wesi-9 ukuya kwisi-5 kwaye uzikhulule kulawulo lweshishini kunokuzisa izibonelelo ezininzi, kodwa kunokubonisa imiqobo ethile ongakhange uyiqwalasele kwasekuqaleni. Xa kuziwa ekuthengeni ikhaya, imali yokubambisa esemgangathweni inokubonisa iingxaki ezizodwa kwabo baziqeshileyo. Ingeniso ayisoloko ilula ukungqina, kwaye ngelixa oosomashishini abaninzi bezama ukuchitha kangangoko banako ukuhlawula iindleko zabo zerhafu ekupheleni konyaka, ababolekisi abaninzi abakuthatheli ngqalelo oku. Funda ngakumbi malunga nokuba yintoni i-mortgage yokuzisebenzela kwaye zeziphi iinketho onazo njengomntu oziqeshileyo waseKhanada xa uthenga ikhaya.
Iimali zokubambisa ezizisebenzelayo zijolise ngokukodwa kubaboleki abaxhomekeke kwingeniso evela kumsebenzi wokuzisebenzela okanye kwingeniso yeshishini endaweni yengeniso evela kwingqesho yabo. Xa uziqeshile, umvuzo wakho wahlukile kubaboleki abaqhelekileyo abafumana iintlawulo ezingaguqukiyo neziqikelelwayo rhoqo kwiiveki ezimbini.
