Isilinganiso esishintshayo se-mortgage auf deutsch
Ukuba nekhaya kuyiphupho labantu abaningi. Kodwa ake sibhekane nakho, ukuthenga umuzi akushibhile. Kudinga inani elikhulu lemali iningi lethu elingeke likwazi ukufaka isandla. Yingakho kusetshenziswa imali ye-mortgage. Izindlu ezibolekiwe zivumela abathengi ukuthi bathenge indawo futhi bayikhokhe ngokuhamba kwesikhathi. Kodwa-ke, uhlelo lokukhokha izindlu ezibolekiwe aluyona into abantu abaningi abayiqondayo.
Imali ebolekiwe ye-mortgage iyancishiswa, okusho ukuthi isatshalaliswa esikhathini esinqunyelwe kusengaphambili ngezinkokhelo zezindlu ezivamile. Uma leso sikhathi sesiphelile - ngokwesibonelo, ngemva kweminyaka engu-30 yemali ebolekiwe - imali mboleko isikhokhelwe ngokugcwele futhi indlu ingeyakho. Inkokhelo ngayinye oyenzayo imelela inhlanganisela yenzalo kanye nokuncishiswa kwenani okuyinhloko. Isilinganiso senzalo kuya kokuyinhloko siyashintsha kuyo yonke impilo yemali-mboleko. Ongase ukwazi ukuthi iningi lenkokhelo yakho likhokha ingxenye enkulu yenzalo ezigabeni zokuqala zesikweletu. Konke kusebenza kanjalo.
Inzalo ye-mortgage yiyona oyikhokhayo emalimboleko yakho ye-mortgage. Isekelwe esilinganisweni senzalo okuvunyelwene ngaso ngesikhathi kusayinwa inkontileka. Inzalo iyanqwabelana, okusho ukuthi ibhalansi yemalimboleko isekelwe enzuzweni eyinhloko kanye nenzalo enqwabelene. Izilinganiso zingalungiswa, ezihlala zizinzile impilo yonke yemalimboleko yakho, noma okuguquguqukayo, okushintsha ezikhathini ezimbalwa ngokusekelwe ekuguquguqukeni kwamazinga emakethe.
Izinzuzo nezingozi ze-variable rate mortgages
Ngale ndlela yokukhokha imali mboleko yabafundi abathole iziqu, cishe uzokhokha kakhulu ezindlekweni ezigcwele zemali mboleko yakho yomfundi, njengoba inzalo engakhokhiwe izokwengezwa enambeni lakho eliyinhloko ekupheleni kwesikhathi sakho somusa.
Khokha inzalo yakho njalo ngenyanga usesikoleni futhi usesikhathini somusa. Izinga lakho lenzalo yemalimboleko yabafundi abathola iziqu ngokuvamile lizoba phansi ngephesenti elingu-1 kunenketho yokukhokha ehlehlisiwe. Abafundi bonyaka wokuqala bangonga u-23%3 ezindlekweni eziphelele zemali mboleko yabo ngokukhetha inketho yokubuyisela inzalo esikhundleni senketho yokukhokha ehlehlisiwe.
inzalo kuphela i-mortgage
Njengoba inzalo ifana, uyohlale wazi ukuthi uzoyikhokha nini imali yakho yokubolekwa kwempahla Kulula ukuyiqonda kunesilinganiso semali ebolekiwe esishintshashintshayo Uzoba nesiqiniseko sokwazi ukuthi ungayenza kanjani ibhajethi yezinkokhelo zakho zezindlu mboleko Izinga lenzalo yokuqala livamise ukuba ngaphansi kuka-A. inkokhelo ephansi ingakusiza ukuthi uthole imali mboleko enkudlwana Uma inani eliyinhloko lehla futhi nenzalo yakho yehla, izinkokhelo zakho eziningi zizoya kuthishanhloko Ungashintshela kwi-mortgage yesilinganiso esimisiwe Noma nini.
Izinga lenzalo yokuqala livame ukuba phezulu kunalelo lemali ebolekiwe yezinga eliguquguqukayo. Izinga lenzalo lihlala lingashintshi kuso sonke isikhathi semali ebolekiwe. Uma wephula i-mortgage nganoma yisiphi isizathu, izinhlawulo cishe zizoba phezulu kunezinga eliguquguqukayo le-mortgage.
Isibonelo se-mortgage yesilinganiso esingaguquki
Lapho uthenga ikhaya, ungakwazi kuphela ukukhokha ingxenye yentengo yokuthenga. Inani olikhokhayo liyinkokhelo ephansi. Ukuze ukhokhele zonke ezinye izindleko zokuthenga indlu, ungase udinge usizo lombolekisi. Imali ebolekiwe oyithola komabolekisi ukuze ukhokhele umuzi wakho iyimali ebolekiwe.
Lapho uthenga imali ebolekiwe, umbolekisi wakho noma umthengisi wezindlu uzokunikeza izinketho. Qiniseka ukuthi uyaziqonda izinketho nezici. Lokhu kuzokusiza ukuthi ukhethe i-mortgage evumelana kangcono nezidingo zakho.
Isikhathi se-mortgage ubude benkontileka ye-mortgage. Iqukethe yonke into esungulwa yinkontileka yezindlu, okuhlanganisa nenani lenzalo. Imigomo ingasukela ezinyangeni ezimbalwa kuye eminyakeni emi-5 noma ngaphezulu.
Ababolekisi bezindlu basebenzisa izinto ukuze banqume inani lenkokhelo yakho evamile. Uma wenza inkokhelo ye-mortgage, imali yakho iya kwinzalo kanye nenhloko. Uthishanhloko inani lemali oyiboleke umbolekisi ukuze ukhokhe izindleko zokuthenga umuzi. Inzalo yimali oyikhokhela umabolekisi ngemalimboleko. Uma wamukela umshwalense we-mortgage ozikhethela wona, umbolekisi wengeza izindleko zomshwalense enkokhelweni yakho ye-mortgage.
