Thenga indlu esikhwameni samanqe
NgoJulayi 2020, uHulumeni wamemezela ukuthi, njengengxenye yephakheji yokuvuselela, inani lokukhululwa kwentela abathengi bokuqala abangalithola lapho bethenga noma bazakhela ikhaya elisha ngaphansi kohlelo losizo lizokhuphuka.
Ngaphansi kwalolu hlelo, umkhawulo ophezulu wemvume otholakalayo unyusiwe okwesikhashana usuka ku-€20.000 noma u-5% yenani lekhaya laya ku-€30.000 noma u-10% yenani lekhaya kuze kube umhla ka-31 Disemba 2020. Kusabelomali sango-2021, lokhu kukhuphuka kwaba inwetshwe kuze kube nguDisemba 31, 2021.
Kulabo abafuna ukungena kwisitebhisi sezindlu ezithengiswayo, lokhu kuyimpumuzo ebaluleke kakhulu futhi kutholakala kuphela isikhathi esilinganiselwe. Ngenxa yalokhu, sithole imibuzo eminingi mayelana nokuthi konke lokhu kusebenza kanjani, ngakho-ke sikhethe eminye yemibuzo evame ukubuzwa futhi siyiphendule ngezansi ukuze uthole ireferensi yakho:
Ngokuyisisekelo, igama liyakunikeza; Iwuhlelo lokubuyiselwa kwentela lukahulumeni, olwasungulwa ukuze kusizwe abathengi bathole idiphozithi emakhaya abo. Ngaphezu kwalokho, ikhuthaza abathuthukisi ukuthi bakhe amakhaya amasha ukuze uhlelo luqhubeke nokusebenza.
Isikhwama samanqe sathenga isibambiso sami
Kwezinye izimo lapho umuzi wakho udliwe kabusha, noma izikhiye zibuyiselwe kumbolekisi wakho wezindlu, ungase utshelwe kamuva ukuthi usakweleta. Lokhu kwenzeka lapho inani elithengiswa umuzi wakho linganele ukukhokha imali mboleko yendlu esele kanye nanoma yiziphi izikweletu eziqinisekisiwe.
Kunemithetho emayelana nokuthi umebolekisi kufanele axhumane nawe ngokushesha kangakanani ngemva kokudayiswa kwendlu uma ufuna ukuvala isikhalazo. Sicela ubheke izigaba ezimbili ezingezansi Kwenqubomgomo Yezezimali Yase-UK kanye Nemithetho Yeziphathimandla Zokuziphatha Kwezezimali.
I-FCA's Mortgages and Home Finance: Conduct of Business sourcebook (MCOB) ithi umebolekisi kufanele aphathe ngendlela efanele noma yiliphi ikhasimende elinesikweletu esishodayo. Umbolekisi akudingekile ukuthi abuyise isikweletu esibi, kodwa uma kwenzeka, kufanele akutshele ngokubhala ingakapheli iminyaka emihlanu kusukela ngosuku owadayiswa ngalo umuzi wakho. Uma ungenjalo, ungafaka isikhalazo ku-Financial Ombudsman Service (FOS). Bona Oxhumana Nabo Abawusizo kamuva kuleli phepha lamaqiniso.
Inqubomgomo Yezezimali yase-UK manje isiyingxenye yemithetho ye-FCA ye-FCA. Uma indawo yakho yadliwa futhi yathengiswa eminyakeni engaphezu kwemihlanu edlule, futhi ungakaze uthintwe umbolekisi wakho ukuze ubuyisele noma yisiphi isikweletu obusilele, akufanele manje kudingeke ukuthi ukhokhe noma iyiphi imali eshodayo.
Ingakanani imali yamanqe ekhokhela izikweletu?
Ungase ungabi nawo amalungelo endawo njengesiqashi, kodwa unawo amalungelo omqashi. Lokhu kuvame ukuchazwa emazingeni kahulumeni nawendawo, kodwa okuyisisekelo kuhlanganisa isidingo sesaziso ngaphambi kokuxoshwa, ilungelo lakho lebhondi, kanye nelungelo lakho lezindlu okuhlalwa kuzo.
Ilungelo lokujabula likuvumela ukuthi wenze noma yini oyifunayo ngenkathi usendaweni yakho (futhi, inqobo nje uma kungangqubuzani nomthetho). Ungaba namaphathi, ukushiswa yilanga, uhlele insimu yakho: kuyimpahla yakho ukuyijabulela.
Amalungelo empahla abalulekile ngoba anikeza ukuqonda okucacile kobunikazi bomhlaba futhi awumnikelo ekuthuthukisweni komnotho. Njengomninikhaya, ungakwazi ukuvikela impahla yakho ngezindlela eziningana. Ingakwenza:
Uma unendawo eyengeziwe, kungaba nzima nakakhulu ukuvikela amalungelo akho endawo, njengoba ungase ungakwazi ukulawula yonke ihektare lendawo yakho ngaso sonke isikhathi. Kodwa-ke, uma uhlala ephasela endaweni ehlukaniswe iziqephu, akumele wenze okuningi ukuvikela indawo yakho. Ukuhlukaniswa kwakho kungase kube nokuvikeleka okwakhelwe ngaphakathi.
I-Start mortgages yisikhwama samanqe
Uhulumeni ubeke izinga lenzalo yalesi sikweletu ku-2,5% ngonyaka kanti isikhathi sokukhokha yiminyaka eyisithupha. Ezinyangeni zokuqala eziyi-12 akumele ukhokhe lutho. Izinkampani zihlala zinesibopho sokukhokha okungu-100% yenani eliphelele lemali mboleko, kanye nenzalo, ngemva konyaka wokuqala.
Uhlelo luvulekele amabhizinisi amaningi, ngokunganaki usayizi webhizinisi, ahlangabezana nemibandela yokufaneleka futhi asungulwa ngoMashi 1, 2020 noma ngaphambi kwawo. Ababoleki kumele bamemezele, phakathi kwezinye izinto, ukuthi:
Kwezinye izinkampani, ezizibiza ngokuthi "inkampani esebunzimeni" kusukela ngomhla ka-31 Disemba 2019, kungase kube nemikhawulo enanini lezimali ezivunyelwe ukuliboleka kanye nokuthi zingenzani ngesikweletu[2].
Amabhizinisi ekuqaleni ayeboleke imali engaphansi kwenani eliphakeme elitholakala ngaphansi kohlelo angase akhethe ukugcwalisa imali ayeyibolekile. Izinkampani kufanele zigcwalise ifomu lesicelo elihlukile, ziqinisekisa izitatimende ezenziwe efomini lokuqala lesicelo. Izinkampani zingathumela isicelo sokushajwa kabusha esisodwa kuphela.
