Ngingalikhipha kanjani igama lami esibambiso nge-ex yami?
Lezi zinketho zincike ezicini ezifana nenani lokulingana ekhaya lomngane womshado, ukuthi lathengwa kanjani futhi laqanjwa kanjani, ukuthi umuntu uyafuna yini ukuhlala ekhaya, ukukhokhelwa kwesehlukaniso, kanye nezikolo zezikweletu zawo wonke umuntu ohilelekile.
Uma ungenayo imali yokukhokha imali mboleko ngokwakho, ungathola ukuthi umbolekisi wezindlu ngeke avume ukubolekwa imali entsha yendlu eneholo elilodwa. Ngaphandle kwalapho ungakwazi ukwandisa iholo lakho ngokushesha, kungase kudingeke udayise ikhaya lomshado.
Uma isikolo sakho sesikweletu sehlile kusukela uthathe imali ebolekiwe yendlu yamanje, ungase ungasakwazi ukuthola imxhaso. Ungakwazi ukunqoba amaphuzu esikweletu aphansi ngokulinganisa kabusha okusheshayo, kodwa impumelelo usebenzisa leyo ndlela ikude nokuqinisekile.
Isibonelo, uma wakhe iphesenti elincane kuphela lokulingana, ukubuyisela imali kungase kunqande noma kungatholakali. Ngenhlanhla, kunezinketho ze-mortgage ezingakusiza ukuthi ubhekane nokushoda kwenani eliphelele.
Kodwa-ke, umngane womshado osele kufanele abonise ukuthi bebeyikhokha ngokugcwele imali yendlu yendlu ezinyangeni eziyisithupha ezedlule. I-Streamline Refinance ingcono kakhulu kulabo abaye bahlukaniswa okungenani isikhathi eside.
Uma igama lami lisesibambiso kuba uhhafu wami
Uma unesibambiso esihlanganyelwe nophathina wakho, nobabili ningabanikazi bengxenye yendawo. Lokhu kusho ukuthi umuntu ngamunye unelungelo lokuhlala kuleyo ndawo ngisho noma behlukene. Kodwa nobabili nizoba nesibopho sokukhokha ingxenye yenu yemali mboleko uma omunye wenu enquma ukuhamba.
Uma wena nowakwakho ningavumelani ngokuthi kufanele kwenzekeni ekhaya lomndeni ngesikhathi sokuhlukana noma isehlukaniso, kubalulekile ukuthi nizame ukwenza izinqumo ngokungakahleleki noma ngokulamula. Ngoba uma izinkinga zakho ziye enkantolo futhi inkantolo kufanele ikunqumele, izinto zingaba zinde kakhulu futhi zibize kakhulu.
Abameli bethu bezehlukaniso bangasiza ekuxazululeni ukungezwani phakathi kwakho nowayeshade naye. Siyaqonda ukuthi ikhaya lomndeni wakho lingasho lukhulu kuwe, ngakho sizosebenzisana nawe ukuze sizuze umphumela ongcono kakhulu kuwe nomndeni wakho.
Isehlukaniso yisikhathi esingokomzwelo kubantu abaningi, futhi ukucindezeleka kokuhlukanisa zonke izimali owake wabelana ngazo kungase kubangele nakakhulu. Sibale ezinye zezinketho zakho zokuphatha imali ebolekiwe ehlanganyelwe ngesikhathi sokuhlukana:
Ukushintsha igama kwi-mortgage
Ama-mortgage broker ethu angochwepheshe bezinqubomgomo zababolekisi abangaphezu kuka-40, okuhlanganisa namabhange nezinkampani zezezimali ezikhethekile. Siyazi ukuthi yibaphi ababolekisi abazogunyaza imali yakho yokubolekwa kwendlu, noma eyokukhokhela isehlukaniso noma ukukhokhelwa kwempahla.
Awukwazi "ukuthatha izintambo" noma ukuhoxisa kwi-mortgage. Ngenkathi kwamanye amazwe ungathatha imali yokuthenga indlu yomunye umuntu noma ukhiphe othile esivumelwaneni se-mortgage, e-Australia lokhu akuvunyelwe.
Futhi siyakwazi ukufinyelela kubabolekisi abakhethekile abangacabangela isimo sakho, kungakhathaliseki ukuthi zingaki izinkokhelo ezigejiwe! Nokho, kufanele ubonise ukuthi ukwazile ukukhokhela lezo mbuyiselo ngisho noma ungazange uzenze.
“…Ukwazile ukusithola ngokushesha futhi ngokungananazi ukuboleka imali enenzalo enhle lapho abanye besitshela ukuthi kuzoba nzima kakhulu. Ngihlatshwe umxhwele kakhulu ngenkonzo yabo futhi ngingancoma kakhulu Ochwepheshe Bokubolekwa Kwezindlu ngokuzayo”
“… benze inqubo yokufaka isicelo neyokulungisa yaba lula ngendlela emangalisayo futhi ngaphandle kwengcindezi. Banikeze ulwazi olucacile futhi babeshesha ukuphendula noma yimiphi imibuzo. Bebebeka obala kuzo zonke izici zenqubo.”
Amalungelo Okuhlukaniswa Kwezindlu Ezihlangene
Izinqumo ezibekwe esivumelwaneni zingakusiza noma zikulimaze ekunqumeni ukuthi ingakanani indlu ongakwazi ukuyikhokhela. Kubalulekile ukubala iholo lakho kanye nezindleko eziqhubekayo, njengoba zingathinta ukuthi ungakwazi yini ukukhokhela inkokhelo ephansi kanye ne-mortgage entsha. Kuye ngesimo, kungase kudingeke ukhokhe imali yommeli, isondlo sengane, isondlo, noma ezinye izindleko.
Uma unesibopho sokukhokha kunoma iyiphi indawo ongase ube nayo ngaphambi kwesehlukaniso, lokho kufakwe ku-DTI yakho. Ngokuphambene, uma oshade naye ethathe indawo, umbolekisi wakho angase angayifaki leyo nkokhelo ezicini zakho ezifanelekile.
Lapho umbhangqwana udivosa, inkantolo ikhipha isinqumo sesehlukaniso (esaziwa nangokuthi isahlulelo noma umyalo) esihlukanisa imali yawo, izikweletu, nezinye izimpahla zomshado ngokunquma ukuthi umuntu ngamunye uphetheni nokuthi unesibopho sokukhokha ini. Kungcono ukuhlukanisa imali yakho kanye nezezimali zakho, ngoba amaphuzu akho esikweletu kufanele abonise kahle isimo sakho sezezimali.
Okuqukethwe yizivumelwano zesondlo sezingane noma i-aliponi nakho kubalulekile. Uma ukhokha ku-ex wakho, ziyafakwa esikweletini sakho sanyanga zonke. Ngakolunye uhlangothi, uma ungabonisa ukuthi uthola izinkokhelo zanyanga zonke ezizoqhubeka isikhathi esithile, lokhu kungasiza iholo lakho elifanelekayo.
