Ukuphathwa kwezimali kwekhomishini yokuvula imali mboleko
Omele ibhange usitshele namuhla ukuthi umbolekisi oyedwa noma ngaphezulu bacabanga ukukhokhisa izimali zokukhansela lapho ikhasimende likhansela ukugunyaza. (Asinaso isiqiniseko sokuthi ikhomishini izokhokhiswa i-ejenti noma kumboleki.)
Umqondo wemali yokukhansela uwukubuyisela izindleko zokubhaliselwe futhi ungakhuthazi izicelo ezingenamsebenzi. Ababolekisi esike sakhuluma nabo bathi kubabiza okungenani u-$150 kuya ku-$200 ukuze babhale phansi isicelo se-mortgage. Ngaphezu kwalokho, ukukhansela kwengeza ukubambezeleka ohlelweni, okulimaza amanye amakhasimende.
Ngokombono wethu, izimali zokukhansela kungaba iphilisi elinzima ukuligwinya ngaphandle uma umnikelo wombolekisi ngokusobala uphakeme kunomncintiswano. Isibonelo, ake sithi isilinganiso esinqunyiwe seminyaka emi-5 esingcono kakhulu singu-4,15%. Ake sithi lapho umebolekisi uyafika futhi anikeze inketho ye-4,09% (inani elingcono kakhulu emakethe), elinemibandela emibili:
Lezi izinombolo ezingahleliwe, kodwa iphuzu yilo. Ababolekisi bazothola ubuhlakani ukuze bathole ukusebenza kahle. Abanye cishe bazosebenzisa ukudlula okungenhla ezinyangeni noma eminyakeni ezayo. Inqobo nje uma iklayenti/umthengisi enenketho yokonga imali, ngokushintshanisa ukusiza umebolekisi ukuthi athuthukise ukusebenza kahle, imodeli ingase isebenze.
Kuyini ukukhanselwa kwebhondi?
Izindleko ezingezansi zilungile kusukela ngomhlaka-3 Ephreli 2018. Lezi zindleko zisebenza emalimboleko yezindlu, imalimboleko eyengeziwe kanye/noma ukuthumela isibambiso esengeziwe. Uma ubheka amakhomishana akhokhiswa ezinye izinkampani, ungase ubone amanye angaveli esilinganisweni sethu (ngezansi). Lokhu kusho ukuthi asikukhokhisi lezi zimali.
Uma uhola ubuncane buka-£300.000 ngonyaka, unengqikithi yenani elingaphezu kuka-£3 million futhi ufuna isevisi ye-mortgage efanelekile ukuze ihambisane nezidingo zakho, sicela usithinte.Tel: +44 (0)20 7597 4050
Umbiko wokulinganisa wombolekisi usetshenziselwa ukunquma ukuthi isibambiso sanele yini nokuthi singakuboleka malini. Kuzimele kunoma yikuphi ukulinganisa noma ukufundwa kwesakhiwo ofuna ukusi-oda.
Umbiko wokulinganisa wombolekisi usetshenziselwa ukunquma ukuthi isibambiso sanele yini nokuthi singakuboleka malini. Kuzimele kunoma yikuphi ukulinganisa noma ukufundwa kwesakhiwo ofuna ukusi-oda.
Kungase kudingeke ukuthi uyibuyisele uma: Ukhokha ngaphezu kwemibandela yakho yemali mboleko; Ushintsha umkhiqizo wakho wemali mboleko noma umbolekisi ngesikhathi sesilinganiso esikhethekile (isibonelo, kuyilapho unesilinganiso senzalo esinqunyiwe noma esiguquguqukayo); Buyisela imali yakho yendlu yonke noma ingxenye ngaphambi kokuphela kwesikhathi sokubolekwa kwendlu (isibonelo, phakathi nesikhathi sakho sesilinganiso esinqunyiwe noma phakathi neminyaka emibili yokuqala yesilinganiso esiguquguqukayo).
Izinga lokulinganiswa kwe-mortgage
Unelungelo lokunqamula izivumelwano nobudlelwano obahlukahlukene njengoba uqhubeka nenqubo yokuthenga umuzi. Ake sibheke ngokushesha ubudlelwano obuthathu obuvame kakhulu ozongena kanye nezinketho zakho zokuhlehla.
Khumbula ukuthi amanye amadili anezindleko zokukhansela kanye nezinhlawulo, kodwa lezi zincane kakhulu uma ziqhathaniswa nezindleko noma ubuhlungu obungokomzwelo bokugcina ikhaya ongalifuni. Abalingani bakho bokuthenga ikhaya kufanele bahlale bekwazisa ngaphambi kokuthi ufinyelele iphuzu ongasenanzuzo.
Okulandelayo, buyekeza isicelo sakho nesivumelwano esikhona nombolekisi wakho. Ungakwazi ukubuyiselwa imali ethile, njengokuhlola isikweletu kanye nezimali zokuhlola. Ezinye izindleko, njengezimali zokucubungula izicelo kanye nezimali zokulungisa izinga lenzalo, ngokuvamile azibuyiselwa. Kungase kudingeke ukuthi ukhokhe inhlawulo yokukhansela isicelo se-mortgage.
Umbolekisi wakho uyadingeka ukuthi anikeze isiqinisekiso sokukhansela ngocingo noma mathupha, futhi uzothumela nesiqinisekiso ngemeyili. Gcina wonke amadokhumenti okukhansela uma kwenzeka uwadinga esikhathini esizayo.
Imali yokuphuma kwi-mortgage
Kanjalo nezimali mboleko zezindlu: Eziningi zazo ziza, ngokumangazayo, nezinhlawulo zokukhokha kusengaphambili, ezikhawulela ukuguquguquka kwakho futhi zingakukhiphela ngaphandle kwesikhwama sakho semali, ngenxa nje yokuzama ukwenza okulungile ngezimali zakho. Kunesizathu esihle sokuthi ababolekisi bangase bangafuni ukuthi ukhokhe imali mboleko yakho ngaphambi kwesikhathi, futhi sizofika kulokho maduze.
Lapho uthenga imali ebolekiwe yezindlu futhi unquma ukuthi yiluphi uhlobo lwemali ebolekiwe olulungele wena, qaphela izinhlawulo zokukhokha kusengaphambili. Kwesinye isikhathi zifihlwa ezinkontilekeni zezindlu ezibolekiwe, okwenza kube lula ukuphuthelwa. Ngokufunda mayelana nezinhlawulo manje, ungasondela kusesho lwakho lwemali yezindlu kanye nenkontileka ekugcineni ngolwazi olwengeziwe namasu okuthola umbolekisi wezindlu ongcono kakhulu ngezidingo zakho.
Inhlawulo yemali ebolekiwe ngaphambili yimali ekhokhiswa abanye ababolekisi lapho yonke imali ebolekiwe noma ingxenye yemali mboleko yakhokhwa ngaphambi kwesikhathi. Inhlawulo yenhlawulo iyisikhuthazo sababolekayo ukuthi babuyisele ingxenye eyinhloko esikhathini eside, okuvumela ababolekisi bezindlu ezibolekiwe ukuthi baqoqe inzalo.
