I-Standard Variable Rate Mortgage
Njengoba izindleko zokuphila ziqhubeka zikhuphuka, ukunyuka kwakamuva kwamazinga aphansi kufika ngesikhathi esibi kakhulu kubaboleki abangenakho ukunikezwa kokuncintisana. Izinga lenzalo yezindlu ezibolekwayo belilokhu likhuphuka ezinyangeni ezisanda kwedlula futhi lesi sinyathelo sakamuva senze abathengi bahlole ukunikezwa kwabo kwamanje ukuze babone ukuthi bangashintsha yini futhi bonge imali ethile ezinkokhelweni zabo zenyanga. Isifiso sokuvala isikhathi eside singase sibe semiqondweni yababoleki abaqaphelayo ukuthi amanani alindeleke ukuba anyuke nakakhulu futhi kukhona ngisho nezikweletu ezimisiwe zeminyaka eyi-10 okufanele zicatshangelwe.
Ababoleki abashintshela kusilinganiso esinqunyiwe sokuncintisana ukusuka kusilinganiso esishintshayo esijwayelekile (i-SVR) bangehlisa kakhulu izinkokhelo zabo zezindlu ezibolekiwe. Umehluko phakathi kwesilinganiso sesilinganiso semalimboleko emisiwe yeminyaka emibili kanye ne-SVR imi ku-1,96%, futhi ukonga kwezindleko ukusuka ku-4,61% kuya ku-2,65% kumele umehluko wamaphawundi angu-5.082 eminyakeni emibili* cishe. Ababoleki abagcine i-SVR yabo kusukela ngaphambi kokwenyuka kwezinga likaDisemba noFebruwari kungenzeka ukuthi babone i-SVR yabo ikhuphuka cishe ngo-0,40%, njengoba cishe izingxenye ezimbili kwezintathu zababolekisi benyuse i-SVR yabo ngandlela thize, lesi sinqumo sakamuva singabangela ukubuyiselwa kwemali kukhuphuke. futhi na ngaphezulu. Eqinisweni, ukukhuphuka okungu-0,25% ku-SVR yamanje okungu-4,61% kungangeza cishe u-£689* engqikithini yezitolimende zanyanga zonke phakathi neminyaka emibili.
Izilinganiso zenzalo ye-mortgage
Okuningi noma konke okunikezwayo kule sayithi kuvela ezinkampanini okunxeshezelwa ngazo abangaphakathi (ukuthola uhlu olugcwele, bona lapha). Ukucatshangelwa kokukhangisa kungase kube nomthelela wokuthi imikhiqizo ivela kanjani futhi kuphi kule sayithi (okuhlanganisa, isibonelo, ukuhleleka okuvela ngayo), kodwa akuthinti noma yiziphi izinqumo zokuhlela, njengokuthi yimiphi imikhiqizo esibhala ngayo nokuthi siyihlaziya kanjani. Personal Finance Insider ucwaninga anhlobonhlobo okunikezwayo lapho wenza izincomo; kodwa-ke, asiqinisekisi ukuthi imininingwane enjalo imele yonke imikhiqizo noma okunikezwayo okutholakala emakethe.
Izinga leminyaka engu-30 lemali ebolekiwe lilokhu lihamba cishe ku-5% amasonto ambalwa, okuphakamisa ukuthi amanani kungenzeka anyuke kakhulu futhi asehlela kumazinga awo amanje. Amanani awasakhuli, asephezulu kakhulu kunalesi sikhathi ngonyaka odlule. Njengoba imakethe izama ukuzinza emazingeni aphezulu amanani, isidingo sabathengi siye sathamba njengoba abathengi behlola ukuthengeka,” kusho uRobert Heck, iphini likamongameli we-mortgages e-Morty. "Lokho kusho, izinto zihluka kakhulu kusuka emakethe kuya emakethe futhi isimo sokusungula sihlala sisibi ezindaweni eziningi, okungenzeka ziqhubeke nokuqhuba isidingo."
Izinga elijwayelekile le-Tsb
Ungasebenzisa umsebenzi wokusesha ukuze uthole inhlobonhlobo yezinto ezithinta ezezimali zase-UK, kusukela ezimpendulweni kuye emibuzweni kuya ebuholini obucatshangelwayo namabhulogi, noma ukuthola okuqukethwe ngezihloko eziningi, kusukela ezimakethe ezinkulu nezinkulu kuya ezinkokhelweni nasekusunguleni izinto ezintsha.
IBhange Lanamuhla lase-England linyusa izinga lenzalo yasebhange ngamaphesenti angu-0,15 liya ku-0,25% kungase kushiye abathengi becabanga ukuthi lokhu kwenyuka kuzothinta kanjani imali ebolekiwe esele ebaluleke kakhulu - imali yabo yendlu. Uma kubhekwa ukuthi umnikazi womuzi ojwayelekile unemali elinganiselwa ku-£140.000 yemali mboleko yakhe esele kusukela ngo-June 2021, kubalulekile ukuqonda ukuthi ubani ozothinteka kakhulu yilezi zindaba nokuthi ngezinga elingakanani.
Njengoba kuboniswe kuShadi 1, umlando wakamuva usitshela ukuthi izinga lenzalo yemali ebolekiwe liye lehla kancane kancane ukuze liqophe amanani aphansi, kuyilapho izinga lasebhange lihlala lizinzile ngokubanzi. Ngokukhuphuka okumbalwa Kwesilinganiso Sebhange ngo-2017 no-2018, amanani emali ebolekiwe awazange akhuphuke ngesilinganiso esifanayo futhi abuyele esimweni sawo sokwehla kancane kancane ngemva kwalokho. Ukuncintisana okuqinile ezimakethe kanye nokutholakala kalula kwezimali zezitolo ezinkulu kube yizinto ezibalulekile ekugcineni amanani ephansi.
Iminyaka engu-2 yemali ebolekiwe enesilinganiso esinqunyiwe evela ku-Tsb
Yonke imikhiqizo elandelela isilinganiso sesisekelo seBhange Lase-England (okuhlanganisa nanoma yisiphi isilinganiso esilandelelwayo) inenani lenzalo elincane. Isilinganiso senzalo esincane esizosisebenzisa yizinga lenzalo lokuqapha lamanje. Uma izinga eliyisisekelo leBhange Lase-England liwela ngaphansi kuka-0%, sizosebenzisa inani lenzalo eliphansi kuze kube yilapho izinga eliyisisekelo leBhange Lase-England likhuphuka ngaphezu kuka-0%.
Yizinga iBhange LaseNgilandi elikhokhisa amanye amabhange nababolekisi uma beboleka imali, futhi njengamanje lingu-1,00%. Izinga eliyisisekelo lithonya izilinganiso zenzalo ezikhokhiswa ababolekisi abaningi emalini ebolekiwe, emalimboleko, nezinye izinhlobo zezikweletu abazinikeza abantu. Isibonelo, amanani ethu ngokuvamile ehla enyuka ngokusekelwe esilinganisweni esiyisisekelo, kodwa lokhu akuqinisekisiwe. Ungavakashela iwebhusayithi yeBhange LaseNgilandi ukuze uthole ukuthi inquma kanjani inani eliyisisekelo.
IBhange LaseNgilandi lingashintsha izinga eliyisisekelo ukuze libe nomthelela emnothweni wase-UK. Amanani aphansi akhuthaza abantu ukuba basebenzise imali eningi, kodwa lokhu kungaholela ekwehleni kwamanani emali, okungukuthi, ukunyuka kwezindleko zokuphila njengoba izimpahla ziba eqolo. Amazinga aphezulu angaba nomphumela ophambene. IBhange LaseNgilandi libuyekeza izinga lesisekelo izikhathi ezingu-8 ngonyaka.
