I-UK Second Home Mortgage Calculator
Isikhathi samaholide sasehlobo sijabulisa abantu abaningi, kodwa kwabanye, ukulangazelela ikhaya lesibili unyaka wonke kuletha ukuthinta kwe-melancholy. Uma ungomunye walabo bantu abangathanda ukuba nendawo yokuhamba ngempelasonto kanye namaholide amade, avilaphayo kuzo zonke izinkathi zonyaka, ukucabangela kwakho kokuqala kufanele kube ukuthi ungakukhokhela kanjani lokho kunethezeka.
Akuwona wonke amakhaya okuvakasha abizayo, yebo, kodwa ngisho nekhaya lesibili elingabizi kakhulu, ufuna ukwenza isiqiniseko sokuthi ibhajethi yakho ingakwazi ukusingatha izinkokhelo ezengeziwe zenyanga zikathishanhloko kanye nenzalo ku-mortgage, intela yendawo, umshwalense wabanikazi bezindlu nanoma yiziphi izimali zenhlangano yabanikazi bezindlu. Ungakhohlwa ukushiya indawo kubhajethi yakho ukuze unakekele ukunakekelwa okujwayelekile, izikweletu zezinsiza kanye nethuba lokulungiswa okukhulu.
Kubathengi abaningi bezindlu, imalimboleko enomshwalense we-FHA iyindlela engcono kakhulu ngoba lezi zimali mboleko zidinga inkokhelo ephansi engu-3,5% kuphela, futhi ababolekisi banikeza imali mboleko ngisho nakubaboleki abanezikolo eziphansi zezikweletu, ezifika ku-580 noma eziphansi kwezinye izimo. Nokho, abathengi bezindlu besibili abakwazi ukusebenzisa imali mboleko ye-FHA ukuze bathenge; Lezi zimali mboleko zilinganiselwe kuphela ezindlini okuyizindawo zokuhlala eziyinhloko zababoleki.
Izinhlobo Zezindlu Zokubolekwa Kwezindlu Zesibili vs. Investment Properties
kufanele ibhalwe ngaphansi kwe-DU futhi ithole isincomo Esivunyelwe/Okufanele, ngaphandle kwezimali mboleko ze-LTV eziphezulu okufanele zibhalwe ngaphansi Kwenye Indlela Yokulinganisa (bona i-B5-7-03, Enye Indlela Yokulinganisa). I-High LTV Refinancing).
1. Uma umebolekisi ehlonza imali engenayo yokuqasha evela kusakhiwo, imali ebolekiwe ifanelekela ukukhokhelwa njengekhaya lesibili inqobo nje uma imali engenayo ingasetshenziselwa izinjongo ezifanelekayo, futhi zonke ezinye izimfuneko zezindlu zesibili ziyahlangatshezwa (kuhlanganise nemfuneko yokuhlala yangaphambilini).
Izimali mboleko ezithile ezivikelwe amakhaya esibili zingaphansi kwe-LLPA. Le LLPA yengeza kunoma yiziphi ezinye izinguquko zentengo ezingase zisebenze kumsebenzi okukhulunywa ngawo. Bheka I-Matrix Yokulungiswa Kwentengo Yeleveli Yemalimboleko (LLPA).
Ukuze uthole ulwazi olwengeziwe oluhlobene nezinhlobo zokuhlala, bona i-B2-1.1-01, Izinhlobo Zokuhlala. Ukuze uthole isilinganiso esiphezulu esivumelekile se-LTV/CLTV/HCLTV kanye nezidingo zamaphuzu esikweletu omele ikhaya lesibili, bheka i-Eligibility Matrix.
Izinga lenzalo emalini ebolekiwe yezindlu zesibili uma kuqhathaniswa nekhaya elikhulu
Izindlu zethu zokubolekwa zesibili zenzelwe noma ubani ofuna ukuthenga indawo yokuhlala yesibili, okungaba ikhaya lesibili eliseduze nomsebenzi, ikhaya lelungu lomndeni elizohlala kulo, noma mhlawumbe ikhaya leholide elizosetshenziswa umndeni. lezi zakhiwo akufanele zisetshenziselwe izinjongo zokuthengisa noma ukuqashwa). Sinalokhu engqondweni, siklame uhla oluthile lwemikhiqizo ukuhlangabezana nezidingo zakho ngezindlela ezihlukahlukene.
Isilinganiso sokuqala esilungisiwe kuze kube ngumhla ka-30/09/24. Ngemva kwalokho, shintshela ku-SVR Yenkampani ngaphansi kwesaphulelo esingu-1,25%, kuze kube umhla ka-30/09/2027 uhlanganisa. 30/09/2027, (okwamanje) Bese kuba yi-SVR yeNkampani ngemva kwalokho, (okwamanje) Ingqikithi Yezindleko Zokuqhathanisa (APRC) Inkokhelo Enkulu Yokuhlela Umkhiqizo we-LTV
I-mortgage engu-£105.000 ekhokhwa eminyakeni engu-25, ekuqaleni ngenani elinqunyiwe leminyaka engu-2 ku-3,39% bese kuba ngesaphulelo esingu-1,25% esilinganisweni sethu samanje esijwayelekile esingu-5,54%, okuholela esilinganisweni esingu-4,29% iminyaka engu-3 bese kuba ngesilinganiso sethu samanje esijwayelekile esingu-5,54% eminyakeni engu-20 esele, kungadinga izinkokhelo zanyanga zonke ezingu-24 ze-£519,03, izinkokhelo zanyanga zonke ezingu-36 ezingu-£567,04 kanye nezinkokhelo zanyanga zonke ezingu-240 ze-£629,72.
Izinhlobo ezinhle kakhulu zokubolekwa kwezindlu kwesibili
Cishe izindlu ezintathu kwezine zesigidi eNgilandi zinekhaya lesibili, cishe ingxenye yesigidi e-UK, ngokwezibalo ezisemthethweni. Uma ucabanga ukuthenga indawo yesibili, kunezinto ezimbalwa okudingeka uzicabangele kuqala. .
Uma idiphozi iphezulu ongayibeka phansi, izinga lenzalo ozolithola liyancipha, ngakho kuzodingeka ukhokhe imali encane isiyonke. Kungcono ukuba nediphozithi enkulu ngangokunokwenzeka.
Konke kuncike ezimweni zakho, ukuthi uchitha malini esakhiweni, ucwaningo olwenzile kanye nokuthi uhlela ukwenzani ngendawo ukuze ubone ukuthi iwutshalomali oluhle yini. Ungafunda kabanzi mayelana nokutshalwa kwezindlu nezindlu lapha.
Kodwa ungakubona njengendlela yokutshala imali eholidini lakho elizayo kanye nokuthile ongakuthengisa esikhathini esizayo. Uma uzibuza ukuthi kuseyisikhathi esihle yini sokutshala imali endaweni, bheka isihloko sethu lapha.
I-mortgage yendlu nayo kufanelekile ukucatshangelwa uma uba "umnikazi wendlu ngengozi." Kungenzeka ukuthi unempahla oyizuze njengefa kodwa usunekhaya elikhulu, noma ungase ube nobunzima bokuthengisa umuzi wakho futhi uphoqeleke ukuba uwuqashe.
