I-avareji yobude be-mortgage e-UK
Ukukhetha i-mortgage yinxalenye ebalulekileyo yenkqubo yokuthenga ikhaya. Ukukhetha ixesha le-15 leminyaka endaweni yekota yeminyaka engama-30 ivakala njengentshukumo ekrelekrele, akunjalo? Akunjalo. Ukukhetha ixesha elifutshane lokubambisa kunenzuzo ethile yokonga inzala. Nangona kunjalo, ukuba umvuzo wakho uphantsi kakhulu kwixesha le-15 leminyaka, imali-mboleko yeminyaka engama-30 iya kuba nexabiso eliphantsi ngenyanga. Ukuba awuqinisekanga malunga nokuba loluphi uhlobo lwemali mboleko oza kuyikhetha, jonga apha ngezantsi ukuze ufumanise ukuba yeyiphi ekulungeleyo.
Umahluko ophambili phakathi kweminyaka eyi-15 kunye ne-30 yeminyaka yokuboleka imali kukuba iintlawulo kunye nenzala ziqokelelwa njani. Ngemali-mboleko yeminyaka eli-15, iintlawulo zakho zenyanga ziphezulu, kodwa uya kuhlawula ngaphantsi kwenzala iyonke. Ngemali-mboleko yeminyaka engama-30, okuchaseneyo kudla ngokuba njalo. Uya kugqiba ukuhlawula ngaphezulu kwendlu yakho ngenxa yenzala. Kodwa iintlawulo zokubambisa zihlala ziphantsi.
Xa uzama ukwenza isigqibo malunga nexesha le-mortgage, cinga malunga neyona nto ilungele uhlahlo lwabiwo-mali lwakho. Zama ukulinganisa iindleko zizonke. Umzekelo, masithi ufuna ukuboleka i-150.000 yeedola ukuze uthenge indlu. Unokukhetha phakathi kwe-15-year-mortgage rate kwi-4,00% okanye i-30 ye-mortgage rate kwi-4,50%. Kwisicwangciso seminyaka eyi-15, intlawulo yakho iya kuba malunga ne-1.110 yeedola ngenyanga, ingabandakanyi i-inshurensi kunye neerhafu. Uya kugqiba ukuhlawula kufutshane ne-50.000 yeedola kwinzala kubomi bemali-mboleko.
Elona xesha lokuboleka imali kubathengi bokuqala
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.
Iimali zokubambisa zihlala ixesha elingakanani?
Kwimali-mboleko emiselweyo, inzala ihlala injalo kubomi bemali-mboleko, kunokuba izinga lenzala "elidadayo" okanye lilungelelaniswe. Into ebonisa intlawulo yemali-mboleko emiselweyo lixesha lemali-mboleko kunye nenqanaba lenzala. Kukho inani lemigaqo yemali-mboleko yemali-mboleko ethandwa kakhulu: iminyaka engama-30 yemali-mboleko yeminyaka emiselweyo yeyona idumileyo, ngelixa i-15 leminyaka ilandelayo. Xa kuthelekiswa, amanye amagama emali-mboleko adla ngokunqaba. Abantu abahlawula iimali-mboleko ezincinci banokuzama ukuzihlawula ngaphezulu kweminyaka eyi-10, ngelixa abantu abanetyala elipheleleyo abanamatyala aphantsi basenokukhetha ukwandisa ikhredithi yabo ukuya kutsho kwiminyaka engama-40 okanye engama-50. Abo bafuna ukuhlala bexhaphake kakhulu kwaye banezinye ii-asethi zemali ukuxhasa isikhundla sabo banokukhetha imali-mboleko yemali-mboleko kuphela okanye i-balloon mortgages.
EUnited States, iimali mboleko zexabiso elimiselweyo yeyona idumileyo. Kwamanye amazwe amaninzi, anjengeCanada, i-UK kunye ne-Australia, iimali-mboleko eziguquguqukayo ziyinto eqhelekileyo. Ukuba inxalenye enkulu yoqoqosho yakhiwe kwimali-mboleko yezinga eliguquguqukayo okanye kunye neentlawulo ezinenzala kuphela, ukuba imarike yezindlu buthathaka inokudala isangqa esikhohlakeleyo esiziqinisayo, apho ukunyuka kwamazinga enzala kukhokelela ekungagqibekanga okungaphezulu, nto leyo eya kuthoba. amaxabiso asekhaya kunye namaxabiso asekhaya, okukhokelela ekucinezeleni kwamatyala amaninzi kunye nokusilela.
Ubude bexesha lemali yokubambisa
Kunokubakho iindidi ezididayo zokubolekwa kwezindlu, kodwa kuninzi lwabathengi bezindlu, ngokwesiqhelo, inye kuphela. Imali-mboleko yeminyaka engama-30 yexabiso elimiselweyo yinto eqhelekileyo yaseMelika, i-apile pie yezixhobo zemali. Yindlela izizukulwana zabantu baseMelika abaye bayithatha ukuze babe nekhaya labo lokuqala
I-mortgage ayikho ngaphezu kohlobo oluthile lwemali mboleko yexesha, eqinisekisiwe yi-real estate. Kwixesha lemali-mboleko, lowo ubolekayo uhlawula inzala ebalwa ngonyaka ngokuchasene nentsalela eseleyo yemali-mboleko. Zombini inzala kunye nesavenge senyanga zimisiwe.
Ekubeni intlawulo yenyanga imisiwe, inxalenye eya kukuhlawula inzala kunye nenxalenye ehambayo yokuhlawula inqununu iyatshintsha ngokuhamba kwexesha. Ekuqaleni, ngenxa yokuba ibhalansi yemali-mboleko iphezulu kakhulu, ininzi yentlawulo yenzala. Kodwa njengoko ibhalansi iba yincinci, inxalenye yenzala yentlawulo ihla kwaye inxalenye eyintloko inyuka.
Imali-mboleko yexesha elifutshane ithwala intlawulo ephezulu yenyanga, yenza ukuba imali-mboleko yeminyaka eyi-15 ibonakale ifikeleleka kangako. Kodwa ixesha elifutshane lenza ukuba imali-mboleko ingabizi kakhulu kwiinkalo ezininzi. Ngapha koko, kubomi bemali-mboleko, i-mortgage yeminyaka engama-30 iya kugcina ixabisa ngaphezulu kokuphindwe kabini kunokhetho lweminyaka eyi-15.
