2022 Uhlu Lokuhlola Lwemibhalo Yemalimboleko Yekhaya
Ukwenza inqubo ye-mortgage ngokushesha ngangokunokwenzeka, kuwumqondo omuhle ukuthi amadokhumenti akho alungile ngaphambi kokufaka isicelo. Ngokuvamile, ababolekisi bazodinga amadokhumenti alandelayo asekelayo ukuze ahambisane nesicelo sakho semali mboleko:
Kufanele futhi kuqashelwe ukuthi ungasebenzisa ilayisense yakho yokushayela njengobufakazi bokuthi ungubani noma njengobufakazi bekheli (bheka ngezansi), kodwa hhayi kokubili. Ikhadi kufanele lisebenze futhi libonise ikheli lakho lamanje; Uma ibonisa ikheli lakho elidala, ngisho noma ubheka ikheli lakho lamanje njengelesikhashana, uzodinga ukulibuyekeza.
I-P60 yifomu elikhishwa inkampani yakho ekupheleni konyaka wezimali ngamunye (April) futhi libonisa isamba semali engenayo, izintela kanye neminikelo Yezokuphepha Komphakathi phakathi nonyaka odlule. Akubona bonke ababolekisi bezindlu ezidingayo, kodwa kungaba usizo ukuba nayo uma kuphakama imibuzo mayelana nomlando wemali engenayo.
Kufanele uthole ikhophi yombiko wakho wesikweletu, okungcono kakhulu kwa-Equifax noma i-Experian, esetshenziswa kakhulu ababolekisi bezindlu. Ukukhokha sekwephuzile, ukungakhokhi kanye nezinqumo zenkantolo kuzothinta amaphuzu akho esikweletu futhi kungaholela ekwenqatshweni kwesicelo.
Izidingo ze-mortgage yase-UK
Izidingo zemalimboleko yomuntu ziyahlukahluka kuye ngomboleki, kodwa kunezinto ezithile ezicatshangelwayo - njengamaphuzu esikweletu nemali engenayo - labo ababolekisayo bahlale bezicabangela lapho behlola abafake izicelo. Ngaphambi kokuthi uqale ukufuna imali ebolekiwe, zijwayeze nezidingo ezivame kakhulu ozodinga ukuhlangabezana nazo kanye nemibhalo ozodinga ukuyinikeza. Lolu lwazi lungasiza ukusheshisa inqubo yokufaka isicelo futhi lungathuthukisa amathuba akho okuthola imalimboleko.
Isikolo somfakisicelo singenye yezinto ezibaluleke kakhulu umbolekisi azicabangelayo lapho ehlola isicelo semalimboleko. Izikolo zezikweletu zisukela ku-300 kuye ku-850 futhi zisekelwe ezintweni ezifana nomlando wokukhokha, inani lesikweletu esisilele, nobude bomlando wesikweletu. Ababolekisi abaningi badinga ukuthi abafake izicelo babe namaphuzu amancane acishe abe ngu-600 ukuze bafaneleke, kodwa abanye ababolekisi bazoboleka abafake izicelo ngaphandle kwanoma yimuphi umlando wesikweletu.
Ababolekisi babeka izidingo zeholo kubaboleki ukuze baqinisekise ukuthi banendlela yokubuyisela imali ebolekiwe entsha. Izidingo ezincane zemali engenayo ziyahlukahluka ngombolekisi. Isibonelo, i-SoFi ibeka imfuneko yeholo elincane lama-$45.000 ngonyaka; Isidingo esincane sonyaka se-Avant semali engenayo singama-$20.000 nje kuphela. Nokho, ungamangali uma umbolekisi wakho engazivezi izidingo zeholo elincane. Abaningi abakwenzi.
Amadokhumenti e-mortgage pdf
Ekugcineni unqume ukuthatha isinyathelo futhi uthenge indlu entsha. Wake wazibuza ukuthi kwenzekani ngemuva kwalokho nokuthi imibuzo, izidingo kanye nezici zenza mehluko phakathi kokugunyazwa nokuphika?
Njengoba umgomo wethu uwukunikeza umphakathi ngamathuluzi nemfundo futhi wenze wonke umuntu akwazi ukwaziswa, afundiswe futhi anikwe amandla abathengi, lapha sizonikeza umbono ocacile wokuthi obhalisile usihlaziya kanjani isicelo (okungukuthi umuntu onquma umphumela wesicelo sakhe). Isonto ngalinye, sizochaza isici/C ngasinye ngokujulile - ngakho hlala ubhekile lokho esikufaka isonto ngalinye!
Ikhredithi ibhekisela ekubikezelweni kwenkokhelo yomboleki ngokusekelwe ekuhlaziyweni kwezinkokhelo zakhe zesikhathi esidlule. Ukunquma isikolo sesikweletu somfakisicelo, ababolekisi bazosebenzisa isilinganiso samaphuzu amathathu esikweletu abikwe ama-credit bureaus amathathu (Transunion, Equifax kanye ne-Experian).
Ngokubukeza izici zezezimali zomuntu, njengomlando wokukhokha, isamba sesikweletu uma kuqhathaniswa nesamba sesikweletu esitholakalayo, izinhlobo zesikweletu (isikweletu esijikelezayo uma siqhathaniswa nesikweletu sesitolimende esisele), umboleki ngamunye unikezwa amaphuzu esikweletu abonisa amathuba okuba isikweletu siphathwe kahle futhi sikhokhelwe. isikweletu. Amaphuzu aphezulu atshela umbolekisi ukuthi kunengozi encane, okuhumushela inani elingcono kanye negama lomboleki. Umbolekisi uzobheka isikweletu kusukela ekuqaleni, ukuze abone ukuthi yiziphi izinkinga ezingase ziphakame (noma zingaveli).
Ngingakwazi ukuthola imali yendlu?
Ukufuna ikhaya kungase kujabulise futhi kujabulise, kodwa abathengi abakhulu kufanele baqale inqubo ehhovisi lababolekisi, hhayi endlini evulekile. Abathengisi abaningi balindele ukuthi abathengi babe nencwadi yokugunyaza kusengaphambili futhi bazimisele kakhulu ukubhekana nalabo abakhombisa ukuthi bangathola uxhaso.
Ukufaneleka kokubolekwa kwempahla kungase kube usizo njengesilinganiso sokuthi umuntu angakwazi ukusebenzisa imali engakanani endlini, kodwa ukugunyazwa kusengaphambili kubaluleke kakhulu. Kusho ukuthi umebolekisi uhlole isikweletu salowo ongase abe umthengi futhi uqinisekise amadokhumenti ukuze agunyaze inani elithile lemalimboleko (ukugunyazwa ngokuvamile kuthatha isikhathi esithile, njengezinsuku ezingu-60-90).
Abathengi abangase bazuze izinzuzo ngezindlela ezimbalwa ngokuthintana nomabolekisi futhi bathole incwadi yokugunyaza kusengaphambili. Okokuqala, banethuba lokuxoxa ngezinketho zemalimboleko kanye nesabelomali nomabolekisi. Okwesibili, umbolekisi uzohlola isikweletu somthengi futhi aveze noma yiziphi izinkinga. Umthengi uzokwazi futhi inani eliphezulu lemali angakwazi ukuliboleka, okuzobasiza ukuthi basungule ibanga lentengo. Ukusebenzisa i-mortgage calculator kuyinsiza enhle yezindleko zebhajethi.
