Uyini umshwalense we-mortgage
Siyisevisi yokuqhathanisa ezimele, esekelwa yizikhangiso. Umgomo wethu uwukusiza wenze izinqumo zezezimali ezihlakaniphile ngokukunikeza amathuluzi asebenzisanayo nezibali zezezimali, ukushicilela okuqukethwe koqobo nokunenhloso, futhi sikuvumele ukuthi ucwaninge futhi uqhathanise ulwazi mahhala, ukuze ukwazi ukwenza izinqumo zezezimali ngokuzethemba.
Ukunikezwa okuvela kule sayithi kuvela ezinkampanini ezisinxephezela. Lesi sinxephezelo singaba nomthelela wokuthi imikhiqizo ivela kanjani futhi kuphi kuleli sayithi, okuhlanganisa, isibonelo, ukuhleleka okungahle kuvele ngayo phakathi kwezigaba zokufakwa ohlwini. Kodwa lesi sinxephezelo asinamthelela kulwazi esilushicilelayo, noma izibuyekezo ozibona kule sayithi. Asibandakanyi indawo yonke yezinkampani noma izinhlinzeko zezimali ezingatholakala kuwe.
Siyisevisi yokuqhathanisa ezimele, esekelwa ukukhangisa. Umgomo wethu uwukusiza wenze izinqumo zezezimali ezihlakaniphile ngokukunikeza amathuluzi asebenzisanayo nezibali zezezimali, ukushicilela okuqukethwe koqobo nokunenhloso, futhi sikuvumele ukuthi wenze ucwaningo futhi uqhathanise ulwazi mahhala, ukuze ukwazi ukwenza izinqumo zezezimali ngokuzethemba.
Umshwalense wekhaya oqhubekayo
Uma kugadla inhlekelele, kubalulekile ukuthi uvikeleke, ikakhulukazi uma kuziwa ekutshalweni kwezimali okukhulu njengekhaya lakho. Ngaphambi kokuthi uvale ikhaya elisha, cishe uzodinga ukuthenga umshwalense wekhaya ukuze umboze indawo yakho ngomonakalo ongaba khona.
Nakuba uqonda ngokuzenzakalelayo ukuthi umshuwalense wasekhaya ubalulekile, ungase ube nemibuzo eminingi ngokuthi uyini nokuthi ungawuthola kanjani. Lesi sihloko sibheka ngokujulile ukuthi umshwalense wekhaya ukhava ini nokuthi ubiza malini, ukuze uqonde kangcono uhlobo lwesivikelo olutholakalayo.
Umshwalense wasekhaya, noma umshwalense wabanikazi bezindlu nje, uhlanganisa ukulahlekelwa nomonakalo wendlu yakho, kanye nezinto ezingaphakathi kuwo. Umshwalense uvamise ukukhokhela izindleko ezidingekayo zokubuyisela inani langempela lekhaya uma kwenzeka umonakalo.
Lo mshwalense awuvikeli wena kuphela, kodwa futhi nombolekisi wakho. Kungakho, uma ufuna ukuthola imali ebolekiwe, umbolekisi wakho ngokuvamile uzodinga ubufakazi bokuthi uwuthathile umshwalense wekhaya ngaphambi kokuthola izimali zakho, nokuqinisekisa ukuthi uzokwazi ukukhokhela noma yiziphi izikweletu zokulungisa ngemva kwesigameko esingaba khona.
Ubufakazi bomshwalense wekhaya we-mortgage
Umshwalense wasekhaya (owaziwa nangokuthi umshwalense wasekhaya) awuyona into ewubukhazikhazi; kuyisidingo. Futhi hhayi nje ngoba ivikela ikhaya lakho nempahla yakho emonakalweni noma ukwebiwa. Cishe zonke izinkampani ezibolekayo zidinga ukuthi ababoleki babe nomshwalense wenani eligcwele noma elifanelekile lesakhiwo (imvamisa inani lokuthenga) futhi ngeke zenze imalimboleko noma zikhokhele ukuthengiswa kwezindlu zokuhlala ngaphandle kobufakazi.
Akudingeki nokuba ube umnikazi wendlu ukuze udinge umshwalense; Abanikazi bezindlu abaningi badinga abaqashi babo ukuba babe nomshwalense womqashi. Kodwa noma kudingekile noma cha, kuwukuhlakanipha ukuba nalolu hlobo lwesivikelo. Sizochaza izisekelo zemishwalense yasekhaya.
Uma kwenzeka umonakalo ngenxa yomlilo, isiphepho, umbani, ukucekelwa phansi kwempahla noma ezinye izinhlekelele ezimboziwe, umshwalense wakho uzokunxephezela ukuze indlu yakho ilungiswe noma yakhiwe kabusha ngokuphelele. Ukucekelwa phansi noma ukucwiywa kwezitho ngenxa yezikhukhula, ukuzamazama komhlaba kanye nokungalungiswa kahle kwekhaya ngokuvamile akuvamisile ukumbozwa futhi ungase udinge abagibeli abengeziwe uma ufuna lolo hlobo lwesivikelo. Amagaraji ahlukanisiwe, amashedi noma ezinye izakhiwo endaweni nazo zingadinga ukufakwa okuhlukene okulandela imihlahlandlela efanayo neyendlu enkulu.
Ngingakwazi ukuzikhokhela mina ngokwami umshwalense wekhaya?
Kudingeka ukuthi ubonise umbolekisi wakho ubufakazi bomshwalense wekhaya ngaphambi kokuba anikeze okhiye besakhiwo sakho futhi akuxhase ngezimali isikweletu sakho somuzi. Kuze kube yilapho ikhaya selikhokhelwe ngokugcwele, umbolekisi unesibopho sokuboleka indawo, ngakho-ke kuyisithakazelo sabo ukuqinisekisa ukuthi indawo ifakwe umshwalense ngenkathi i-mortgage ikhokhwa.
Uma uthenga ikhaya lakho elisha ngokheshi noma ngomugqa wesikweletu ongavikelekile (ikhadi lesikweletu noma imali ebolekiwe yomuntu siqu), ngeke kudingeke ukuthi ubonise ubufakazi bomshwalense wabanikazi bezindlu ngaphambi kokuvala. Umshwalense wabanikazi bezindlu awudingeki kunoma yisiphi isimo, kodwa kufanele ucabange ukuwuthenga ukuze uvikele inani lekhaya lakho.
Ngesikhathi senqubo yokugunyaza imali yendlu, uchwepheshe wakho wemalimboleko uzokutshela ukuthi uwuthenga nini umshwalense wekhaya. Nokho, ungaqala ukuthenga inqubomgomo ngokushesha nje ngemva kokuba usethe ikheli lakho elisha. Ukuthenga umshwalense wekhaya kusenesikhathi kukunikeza isikhathi esengeziwe sokukhetha inqubomgomo efanele futhi uthole izindlela zokonga.
Nakuba umbolekisi wakho angase ancome inqubomgomo, kuwumkhuba omuhle ukuqhathanisa amanani, ukumbozwa kanye nokubuyekezwa kwabathengi ngaphambi kokwenza isinqumo sokugcina. Ungavamise ukonga imali ngokuhlanganisa umshwalense wekhaya kanye newezimoto nomshwalense ofanayo noma ngokushintsha umshwalense wekhaya. Funda ukuthi ungawuthola kanjani umshwalense wekhaya oshibhe kakhulu.
