mortgage wokubala
Imithetho yeBhange Elikhulu Lase-Ireland isebenzisa imikhawulo enanini ababolekisi emakethe yase-Ireland abangaliboleka kubafaki bezicelo zezindlu. Le mikhawulo isebenza ezilinganisweni ze-loan-to-income (LTI) nezilinganiso ze-loan-to-value (LTV) zazo zombili izindawo zokuhlala eziyinhloko nezindawo eziqashisayo, futhi yengeza kuzinqubomgomo nemigomo yezikweletu zababolekisi. Isibonelo, umbolekisi angase abe nomkhawulo kumaphesenti omholo wakho oya nawo ekhaya ongasetshenziselwa ukukhokha imali yakho yendlu.
Umkhawulo ophindwe izikhathi ezingu-3,5 isamba sakho semali engenayo yonyaka sisebenza ezicelweni zemali mboleko yendlu eyisisekelo. Lo mkhawulo uyasebenza nakubantu abanemali engalungile abafaka isicelo semali mboleko yendlu entsha, kodwa hhayi labo abafaka isicelo semali mboleko ukuze bathenge indlu eqashisayo.
Ababolekisi banokubona okuthile uma kuziwa ezicelweni zokuboleka. Kubathengi abaqala ngqa, u-20% yenani lemalimboleko egunyazwe umebolekisi angase abe ngaphezu kwalo mkhawulo, futhi kubathengi besibili nabalandelayo, u-10% yenani lalezo zindlu eziboshiwe angase abe ngaphansi kwalo mkhawulo.
Iyini inkokhelo ye-mortgage
Imali ongayiboleka incike ngempela ekutheni yimalini ongayikhokha ngokunethezeka ngezitolimende zanyanga zonke phakathi nesikhathi semali mboleko yakho, okungaba iminyaka efinyelela kwengama-35 kubanikazi bezindlu, kuye ngeminyaka yakho.
Uma sihlola ukuthi ungaboleka malini, sibheka imininingwane yesimo sakho sezezimali sisonke, okuhlanganisa imali engenayo, izindleko, ukonga nokunye ukukhokhelwa kwemali mboleko. Okulandelayo, sibala inani lemali ye-mortgage yanyanga zonke ongakwazi ukuyikhokhela. Amathuba okuthi uzenzele lo msebenzi futhi unomuntu engqondweni obonakala elawuleka.
Ifomula yokubala i-Mortgage ku-Excel
Esigabeni esithi “Down Payment”, bhala inani lenkokhelo yakho ephansi (uma uthenga) noma inani lokulingana onalo (uma ubuyisela imali). Inkokhelo ephansi yimali oyikhokha ngaphambili yendlu, futhi ukulingana kwekhaya inani lendlu, kukhishwe lokho okukweletayo. Ungafaka inani ledola noma iphesenti lenani lokuthenga ozoliyeka.
Izinga lakho lenzalo lanyanga zonke Ababolekisi bakunikeza inani lonyaka, ngakho-ke uzodinga ukuhlukanisa leyo nombolo ngo-12 (inani lezinyanga ngonyaka) ukuze uthole inani lanyanga zonke. Uma inzalo ingu-5%, inani lenyanga lizoba ngu-0,004167 (0,05/12=0,004167).
Inani lezinkokhelo esikhathini sokubolekwa kwemali Phindaphinda inani leminyaka esikhathini sakho semalimboleko ngo-12 (inani lezinyanga ngonyaka) ukuze uthole inani lezinkokhelo zemalimboleko yakho. Isibonelo, i-mortgage engashintshi yeminyaka engu-30 ingaba nezinkokhelo ezingu-360 (30×12=360).
Le fomula ingakusiza ukuthi uhlanganise izinombolo ukuze ubone ukuthi yimalini ongakwazi ukukhokhela ikhaya lakho. Ukusebenzisa umshini wokubala we-mortgage kungenza umsebenzi wakho ube lula futhi kukusize unqume ukuthi ubeka imali eyanele yini noma ungakwazi noma kufanele ulungise isikhathi semalimboleko yakho. Kuhlale kuwumqondo omuhle ukuqhathanisa izilinganiso zenzalo nababolekisi abaningi ukuze uqiniseke ukuthi uthola idili elingcono kakhulu elitholakalayo.
I-Bankrate Calculator
Faka imininingwane yakho emshinini wokubala ukuze ulinganisele umkhawulo wemali ebolekiwe ongayiboleka. Ngemva kokuqeda ukubala, ungadlulisela imiphumela kusibali sethu sokuqhathanisa sempahla ebanjiswayo, lapho ungaqhathanisa khona zonke izinhlobo zakamuva zempahla yezindlu.
Le mikhawulo ibekwe yiBhange Elikhulu lase-Ireland njengengxenye yemithethonqubo ebaluleke kakhulu. Isizathu sale mithetho siwukuqinisekisa ukuthi abathengi bahlakaniphile lapho beboleka, ukuthi ababolekisi bayaqaphela lapho benikeza imali ebolekiwe, futhi basize nokulawula ukukhuphuka kwamanani entengo yezindlu.
Imithetho yediphozi yeBhange Elikhulu idinga idiphozithi engu-10% kubathengi bokuqala. Ngohlelo olusha losizo lokuthenga lwabathengi bezindlu ezintsha, amafulethi kanye nezakhela, ungathola ukwehliswa kwentela ngo-10% (ngomkhawulo omkhulu wama-euro angu-30.000) yenani lokuthenga lezakhiwo ezibiza ama-euro angu-500.000 noma ngaphansi.
