I-Remortgage yokuthenga irenti
Ukufinyelela kuthishanhloko wakho wemalimboleko kulula. Ngokuvuselelwa kwe-mortgage elula, ungasondela ekuthengeni ikhaya lesibili. Ukusebenzisa i-equity evela endaweni yokutshala izimali ukuthenga ikhaya nakho kusebenza ngendlela efanayo. I-equity ekhaya lakho noma impahla oyitshalile ingasetshenziswa njengediphozithi esakhiweni sesibili, kuyilapho indawo yakho yamanje iba isibambiso sesikweletu esisha. Ukusebenzisa i-equity kukuvumela ukuthi uthenge indawo yesibili ngaphandle kwesidingo sediphozithi yemali.
Lapho inani lendlu yakho likhuphuka, ukulingana nakho kwenza. Inani lendlu lingakhuphuka ngenxa yokukhula okuyinhloko noma izinkokhelo zezindlu ezizinikele. Ungakwazi futhi ukukhulisa inani lendlu yakho ngokulungisa (yize kuzodingeka ucabangele izindleko zezinto zokwakha kanye nomsebenzi ukwenza kanjalo).
Ukhokha inzalo kuphela kulokho okusebenzisayo. Ungacela ukukhululwa okuyinhloko, kodwa uma ungakakulungeli ukusebenzisa izimali njengamanje, qiniseka ukuthi une-akhawunti engaphansi kokukhokha ukuze ungakhokhi inzalo ekukhushulweni kwemali mboleko uze usebenzise izimali.
Uma ukhipha isamba, uzokhokha inzalo kuyo yonke le mali. Ngomugqa wesikweletu, ukhokha inzalo kuphela enanini elisetshenzisiwe, kodwa ungase ulingeke ukuba ufinyelele le mali ngokunethezeka okungadingekile.
Ngingakwazi ukuboleka indlu yami ukuze ngithenge enye indawo?
Ngokuvamile, izilinganiso zenzalo ezimpahleni zokutshalwa kwezimali ziphakathi kuka-0,5% no-0,75% ngaphezu kwamazinga emakethe. Esimeni sekhaya lesibili noma ikhaya leholide, ziphakeme kancane kunezinga lenzalo elingasebenza ekhaya elikhulu.
Yiqiniso, amanani emali ebolekwayo ezakhiwo zokutshalwa kwezimali kanye namakhaya esibili ayaqhubeka nokuncika ezintweni ezifanayo njengamazinga ayisisekelo emali ebolekiwe yezindlu. Okwakho kuzohluka ngokuya ngemakethe, iholo lakho, isikolo sakho sesikweletu, indawo okuyo, nezinye izici.
Ababolekisi balindele ikhaya leholide noma ikhaya lesibili elizosetshenziswa nguwe, umndeni wakho, nabangane bakho okungenani ingxenye yonyaka. Kodwa-ke, uvame ukuvunyelwa ukuthi uthole imali yokuqasha ekhaya uma ungayisebenzisi. Imihlahlandlela yemali eqashisayo iyahluka kuye ngombolekisi.
Ukuthenga ikhaya lesibili noma ikhaya leholide kudinga amaphuzu aphezulu esikweletu, ngokuvamile ebangeni elingu-640 noma ngaphezulu. Ababolekisi bazophinde babheke isikweletu esincane kanye nokufinyeleleka okwengeziwe, okusho isilinganiso esiqinile sesikweletu sokuthola imali. Izigodlo ezinhle (izimali ezengeziwe ngemuva kokuvala) nazo zisiza kakhulu.
Izilinganiso zezindlu ezibolekwayo ziphezulu kakhulu ezimpahleni zokutshalwa kwezimali. Ngokuvamile inzalo izoba phezulu ngo-0,5% iye ku-0,75% endaweni yokutshala imali kunalokho obekungaba njalo uma uthenga ikhaya elifanayo nelendawo yakho yokuhlala eyinhloko.
Thenga indawo yesibili ukuze uhlale
Kunezizathu eziningi zokuthi kungani ungadinga ukufinyelela inani elikhulu lemali. Mhlawumbe ucabanga ukubuyela esikoleni, noma udinga ukuhlanganisa amabhalansi aphezulu ekhadi lesikweletu. Noma mhlawumbe ufuna ukulungisa okuthile ekhaya?
Nakuba i-Rocket Mortgage® ingaqalisi i-mortgage yesibili, sizokuchaza okudingeka ukwazi mayelana nezikweletu zesibili nokuthi zisebenza kanjani. Sizophinde sikuqondise kwezinye izindlela zezimali, njengemali mboleko yomuntu siqu noma ukukhishwa kwezimali kabusha, okungase kube izinketho ezingcono kuwe.
Ngamanye amazwi, umbolekisi wakho unelungelo lokulawula ikhaya lakho uma uhluleka ukuboleka imali. Lapho kwenziwa isivumelwano se-mortgage yesibili, kwakhiwa i-lien engxenyeni yendlu ekhokhelwe.
Ngokungafani nezinye izinhlobo zemali mboleko, njengemoto noma imali ebolekiwe yabafundi, ungasebenzisa imali yemalimboleko yakho yesibili cishe nganoma yini. Izindlu ezibolekiwe zesibili nazo zinikeza amanani enzalo aphansi kakhulu kunamakhadi esikweletu. Lo mehluko ubenza babe inketho ekhangayo yokukhokha isikweletu sekhadi lesikweletu.
I-Mortgage calculator yokuthenga ikhaya lesibili
Siyisevisi yokuqhathanisa ezimele, esekelwa yizikhangiso. Umgomo wethu uwukusiza wenze izinqumo zezezimali ezihlakaniphile ngokukunikeza amathuluzi asebenzisanayo nezibali zezezimali, ukushicilela okuqukethwe koqobo nokunenhloso, futhi sikuvumele ukuthi wenze ucwaningo futhi uqhathanise ulwazi mahhala, ukuze ukwazi ukwenza izinqumo zezezimali ngokuzethemba.
Ukunikezwa okuvela kule sayithi kuvela ezinkampanini ezisinxephezela. Lesi sinxephezelo singaba nomthelela wokuthi imikhiqizo ivela kanjani futhi kuphi kuleli sayithi, okuhlanganisa, isibonelo, ukuhleleka okungahle kuvele ngayo phakathi kwezigaba zokufakwa ohlwini. Kodwa lesi sinxephezelo asinamthelela kulwazi esilushicilelayo, noma izibuyekezo ozibona kule sayithi. Asibandakanyi indawo yonke yezinkampani noma izinhlinzeko zezimali ezingatholakala kuwe.
Siyisevisi yokuqhathanisa ezimele, esekelwa ukukhangisa. Umgomo wethu uwukusiza wenze izinqumo zezezimali ezihlakaniphile ngokukunikeza amathuluzi asebenzisanayo nezibali zezezimali, ukushicilela okuqukethwe koqobo nokunenhloso, futhi sikuvumele ukuthi wenze ucwaningo futhi uqhathanise ulwazi mahhala, ukuze ukwazi ukwenza izinqumo zezezimali ngokuzethemba.
