Umshwalense womlilo wama-condos e-Singapore
I-HomeGR8 Essential ne-HomeGR8 Plus ivulekele abantu ngabanye (abaninikhaya, abaqashi, abanikazi bezindlu) noma izinkampani eziphethe noma iyiphi i-HDB, i-condominium noma indawo yokuhlala e-Singapore. Kubantu bakwamanye amazwe abangabanikazi bendawo, kufanele kube nekheli laseSingapore lokuxhumana.
Ivala ukulahlekelwa kanye nomonakalo odalwe izingozi ezishiwo ngokuqondile, njengomlilo, umbani noma ukuqhuma; ukweba, lapho kusetshenziswa amandla noma ubudlova ukuze kungene noma kuphume ekhaya; izikhukhula; ukulimala okunonya; ukuphuka noma ukuchichima kwethangi lamanzi asekhaya noma amapayipi; umthelela wezimoto zomgwaqo noma izinto zasemoyeni; kanye neziteleka, izibhelu, noma isiphithiphithi somphakathi.
Ngokuvamile, umshwalense womlilo we-mortgage yasebhange awubandakanyi izintshisekelo zakho zezezimali, njengokuqukethwe kwekhaya nokulungiswa kabusha. Ngokuvamile, umshwalense womlilo wezindlu uklanyelwe ukuvikela izithakazelo zezezimali zebhange, hhayi eyakho. Lokhu kuwukungaqondi okuvamile abanikazi bezindlu abanakho.
Yebo, ungakwazi. Lokhu kungenxa yokuthi umshwalense womlilo oyisibopho we-HDB ufaka kuphela isakhiwo sangaphakathi sesakhiwo, izinto ezilungiswayo nezifakwayo ngokusekelwe kumazinga okuqala e-HDB aphansi uma ulethwa kumqashi wokuqala.
Umshwalense womlilo wemali mboleko ye-Dbs
Akudingekile ukuba ube uchwepheshe womshwalense lapho uthenga ikhaya lakho lokuqala, kodwa kungaba inselele uma uhlangabezana namagama athi “umshwalense wekhaya” kanye “nomshwalense wezindlu” okokuqala ngqa. Njengoba ufunda ngezidingo zakho zomshwalense kulesi sigameko esisha esibalulekile empilweni yakho, kungasiza ukwazi ukuthi kunomehluko phakathi komshwalense wekhaya kanye nomshwalense wezindlu. Kuye ngezici eziningi, akubona bonke abanikazi bezindlu abadinga umshuwalense we-mortgage, kodwa ukuze uqinisekise ukuthi ikhaya lakho elisha livikelwe ngokwanele, umshuwalense wasekhaya uvame ukudingeka.
Njengoba uqala ukuthengela umuzi futhi uhlola inqubo ye-pre-qualification ye-home loan, nakhu ukubheka uhlobo ngalunye lomshwalense, kungani ungawudinga, yini ongasiza ngayo, nokuthi ungakwazi nini ukuwuthenga.
Umshwalense we-mortgage, owaziwa nangokuthi umshwalense we-mortgage wangasese noma i-PMI, umshwalense abanye ababolekisi abangawudinga ukuze bavikele izintshisekelo zabo uma kwenzeka uhluleka ukukhokha imali oyibolekile. Umshwalense we-mortgage awulikhavi ikhaya noma ukuvikele njengomthengi. Kunalokho, i-PMI ivikela umbolekisi uma kwenzeka ungakwazi ukukhokha.
Umshwalense womlilo wezindlu ezithengiswayo
Isikhathi se-mortgage side kakhulu. Ngesikhathi sethemu, kuhlale kunengozi yokuthi impahla yesibambiso noma indlu etholiwe izovutha umlilo. Inqubomgomo yomshwalense womlilo izovikela impahla yomboleki futhi ibanike ukuthula kwengqondo ukuthi impahla ihlala iphephile. Uma kuqubuka umlilo, inkampani yomshwalense izokhokhela umonakalo, ishiye ababolekayo beqhubeka nokukhokha imali ebolekiwe ebhange. Okwesibili, ibhange libeka isilinganiso esiphezulu se-LTV. Uma isakhiwo sisha saphela, inani lendawo lingase linganele ukumboza imali oyibolekile. Umshwalense womlilo uvikela lesi simo.
Umshwalense womlilo we-Hdb vs. umshwalense wasekhaya
Akumangalisi ukuthi abanye abanikazi bezindlu bahlahle amehlo futhi bachitha umshwalense wezindlu ngokuthi weqile; Phela, kungani udinga okungaphezu komshuwalense womlilo? Isizathu siwukuthi umshwalense womlilo olula ungase ungakuvikeleli ngendlela ocabanga ngayo:
Umshwalense womlilo uyimpoqo, futhi wonke amakhaya eSingapore unawo. Umshwalense womlilo ukhokhela kuphela izindleko zokwakha kabusha ikhaya. Konke okunye endlini yakho akuvikelekile nhlobo, ngakho uma zonke izinto zakho ezibalulekile zisha nendlu yakho, lokho kuyihlazo; umshwalense womlilo ngeke ukusize ngalokho.
Umshwalense we-mortgage uyimpoqo kumafulethi e-HDB (ubizwa ngokuthi i-Home Protection Scheme). Umshwalense we-mortgage ukhokha ingxenye esele yemali mboleko yezindlu uma kwenzeka ushona noma ukhubazeka unomphela. Ngaphandle kwalokho, umshwalense we-mortgage ngokuvamile awubandakanyi noma yini enye (yize ngezinye izikhathi ungakwazi ukukhokha ngaphezulu ukuze ungeze ukumboza, njengabagibeli ukuze bavikele izingozi zomuntu siqu).
Umshwalense wokuqukethwe kwasekhaya uhlanganisa izinto ezingaphakathi kwendawo yakho. Isibonelo, uma kuqubuka umlilo noma ukuvuza futhi lonke isethi yefenisha egumbini lokuhlala lonakaliswe, ungafuna umshwalense wokuqukethwe kwasekhaya. Umshwalense wokuqukethwe kwasekhaya uphinde unikeze ukuvikeleka uma kwenzeka kwebiwa, okuthile ezinye izinhlobo ezimbili zomshwalense ezinganikezi.
