Ukuncishiswa kwezindleko zemalimboleko ephezulu
Kuyalinga ukungazinaki izindleko ezingalindelekile. Kodwa ukuba nemali ebekelwe eceleni njengomcamelo wezinto ezingase zidinge ukulungiswa lapho uthola ikhaya elisha, njengesiphephetha-moya, ukushisisa, nokufaka amapayipi amanzi, kuwumqondo omuhle.
Uma idiphozithi yakho ingaphansi kwama-20%, kuzodingeka ukhokhe iprimiyamu yomshwalense wezindlu ezibolekisayo (LMI). Izindleko zesikhathi esisodwa ezengezwa enanini lemalimboleko, ngakho-ke asikho isidingo sokuthi ukhokhe noma yini kusengaphambili. Kubalulekile ukuthi ukhulume nathi mayelana nenani lale phrimiyamu: uma uthenga indlu engu-$600.000 enediphozithi engu-5%, ingaba ngaphezu kuka-$20.000, kuye ngesimo ohlala kuso.
Uma ulondolozela indlu, kungaba nzima ukwazi ukuthi kufanele ume nini. Uyoba nini ngempela imali eyanele yokuyozingela endlini futhi ubeke idiphozithi? Phela, imali ebolekiwe ye-mortgage iyisibopho sempilo enhle. Ngokuvamile, akulindelekile ukuthi uyikhokhe ngaphansi kweminyaka engama-25-30. Awufuni ukujaha.
Njengoba kunikezwe konke lokhu, i-logic ecacile iphakamisa ukuthi kufanele ulondoloze imali eningi ngangokunokwenzeka isikhathi eside ngangokunokwenzeka ngaphambi kokuya endlini yokuzingela. Kodwa, siphila isikhashana nje. Asikwazi ukuhlala siqongelele imali unomphela. Ngakho futhi. Umisa nini? Ingakanani imali edingekayo ukuze ukhokhe idiphozithi yendlu? Ingabe ikhona impendulo eqinisekile kulowo mbuzo?
Umhlahlandlela Wokuqasha we-Ato 2021
Igama elithi "mortgage" libhekisela emalini ebolekiwe esetshenziselwa ukuthenga noma ukunakekela ikhaya, umhlaba, noma ezinye izinhlobo zezindlu ezithengiswayo. Umboleki uyavuma ukukhokha umabolekisi ngokuhamba kwesikhathi, ngokuvamile ochungechungeni lwezinkokhelo ezijwayelekile ezihlukaniswa ngothishanhloko kanye nenzalo. Isakhiwo sisebenza njengesibambiso ukuze uthole imali ebolekiwe.
Obolekayo kufanele afake isicelo semali mboleko ngombolekisi amncamelayo futhi aqinisekise ukuthi uhlangabezana nezidingo ezimbalwa, njengezikolo eziphansi zekhredithi kanye nezinkokhelo eziphansi. Izicelo ze-mortgage zidlula ohlelweni oluqinile lokubhala phansi ngaphambi kokufinyelela esigabeni sokuvala. Izinhlobo zezindlu ezibolekiwe ziyahlukahluka kuye ngezidingo zomboleki, njengemali mboleko evamile kanye nezimali mboleko ezilinganiselwe.
Abantu ngabanye namabhizinisi basebenzisa izikweletu ukuze bathenge izindlu ezithengiswayo ngaphandle kokukhokha inani eliphelele lokuthenga kusengaphambili. Umboleki ubuyisela imali ebolekiwe kanye nenzalo phakathi nenani elimisiwe leminyaka kuze kube ungumnikazi wendawo mahhala futhi engabanjwanga. Izindlu ezibolekiwe zaziwa nangokuthi izixhumanisi eziphikisana nempahla noma izicelo zempahla. Uma umboleki ehluleka emalini ebolekiwe, umebolekisi angakwazi ukuvala leyo mpahla.
Ayikho imali yokuqasha, kodwa kunezindleko
Lapho ugcwalisa isicelo sakho sempesheni yabadala, sizokucela ukuthi usinikeze ulwazi kanye namaphepha athile asekelayo. Sidinga amadokhumenti asekelayo ukuze siqinisekise ulwazi olunikezayo esicelweni sakho. Ngaphandle kwabo asikwazi ukuhlola isicelo sakho. Singase futhi sikucele ulwazi olwengeziwe ngemva kokufaka isicelo sakho.
Ungase udinge ukuthi usinikeze umazisi wakho ukuze sikwazi ukuqinisekisa ubuwena. Uma sikucela, kufanele uveze umazisi wakho ngaphambi kokufaka isicelo sakho. Ngaphandle kwabo asikwazi ukuqala ukuhlola isicelo sakho. Ukuzilungiselela kuzokusiza ukuthi uqedele isicelo sakho futhi ungalibazisi uhlelo. Uma ungenaso isiqiniseko sokuthi yimaphi amadokhumenti okufanele uwathumele, sishayele Kulayini Wosizo Olukhulu.
Ngemva kokufaka isicelo sakho sempesheni yabadala, sizohlola izimo zakho. Uma sidinga ulwazi olwengeziwe, sizolucela. Sizothumela incwadi ebhokisini lakho leposi le-myGov, uma unayo. Uma ungenayo, sizokuthumelela lolu hlelo lokusebenza ngeposi.
Ngokuvamile, kufanele unikeze amadokhumenti esiwacelayo zingakapheli izinsuku eziyi-14. Uma ungakwenzi, singasenqaba isicelo sakho. Sishayele ku-Senior Australian Helpline uma unenkinga yokunikeza ulwazi esilucelayo.
Ukudonswa kwentela kokutshalwa kwezindlu ezithengiswayo e-Australia
Imigomo nezincazelo ezilandelayo kuhloswe ngazo ukunikeza incazelo elula nengakahleleki kumagama nemisho ongayibona kuwebhusayithi yethu futhi okungenzeka awuyazi kuwe. Incazelo ethize yegama noma ibinzana izoncika ekutheni isetshenziswa kuphi futhi kanjani, njengoba imibhalo efanele, okuhlanganisa izivumelwano ezisayiniwe, izitatimende zamakhasimende, iziqondiso zangaphakathi zenqubomgomo yohlelo, nokusetshenziswa kwemboni, kuzolawula incazelo esimweni esithile. Imigomo nezincazelo ezilandelayo azinawo umthelela oyisibopho ngezinjongo zanoma iyiphi inkontileka noma okunye ukuthengiselana kwethu. Ummeleli wakho Wezinhlelo Zezindlu Zekhampasi noma abasebenzi beHhovisi Lezinhlelo Zemalimboleko bazokujabulela ukuphendula noma imiphi imibuzo ethile ongase ube nayo.
Uhlu Lokuhlola Isicelo: Uhlu olufakiwe lwemibhalo umboleki kanye nekhampasi okudingeka bayinikeze eHhovisi Lezinhlelo Zemalimboleko ukuze ligunyazwe kusengaphambili noma ligunyaze imalimboleko. Yaziwa nangokuthi yifomu le-OLP-09.
I-Automated Clearing House (ACH): Inethiwekhi yokudlulisa izimali ngogesi evumela ukudluliswa okuqondile kwemali phakathi kwama-akhawunti asebhange abamba iqhaza nababolekisi. Lesi sici sitholakala kuphela kubaboleki okwamanje abangekho esimweni sokuhola esisebenzayo.
