Isilinganiso semali mboleko eguqukayo
Umehluko phakathi kwenani lemali ebolekiwe elinenani elimisiwe kanye nenani lemali ebolekiwe elinenani elishintshayo ngokuyisisekelo lihlanganisa ukukhetha phakathi kwemali mboleko yezindlu lapho inani elifanayo lizohlala likhokhwa khona (nakuba izinga lenzalo lingase libe phezulu ekuqaleni) noma elihluka kuye ngenkomba. exhunywe kuyo (imvamisa i-Euribor yonyaka owodwa).
Imali ebolekiwe yesilinganiso esimisiwe ihlukaniswa ngenani elinqunyiwe lenkokhelo evamile, kodwa ihilela ukukhokhwa kukathishanhloko ngenani eliphansi futhi ekuqaleni ungase ukhokhe inzalo ephakeme kunesilinganiso semali ebolekiwe. Ukuzinza kwezitolimende zanyanga zonke kanye nesiqiniseko esiphelele salokho okuzokhokhwa phakathi naso sonke isikhathi sokubolekwa kwemali kuyisisekelo salolu hlobo lwesivumelwano, esingekho ngaphansi kokuguquguquka kwemakethe.
I-fixed-rate mortgage ifaneleka ikakhulukazi izikhathi ezimfushane, ezingeqi eminyakeni engama-20, nakuba kungenzeka ukuthola imali ebolekiwe enesilinganiso esinqunyiwe esinesikhathi eside sokukhokha, esifika eminyakeni engama-30. Imali ebolekiwe enesilinganiso esimisiwe inikeza inzuzo yokugwema ubungozi bokukhuphuka kwezinga lenzalo, ngaleyo ndlela iqinisekise isitolimende esifanayo sanyanga zonke kuyo yonke impilo yemali mboleko.
Isilinganiso semali mboleko eguqukayo
Izikweletu zezindleko eziguquguqukayo ngokuvamile zinikeza amanani aphansi kanye nezimo eziguquguqukayo, kodwa uma amanani enyuka, ungase ugcine ukhokha ngaphezulu ekupheleni kwethemu. Izimali ezibolekiwe ezinezinga elimisiwe zingase zibe namazinga aphezulu, kodwa ziza nesiqinisekiso sokuthi uzokhokha inani elifanayo nyanga zonke kuso sonke isikhathi.
Noma nini lapho kukhontileka imali ye-mortgage, enye yezinketho zokuqala ukunquma phakathi kwezilinganiso ezimisiwe noma eziguquguqukayo. Kungesinye sezinqumo ezibaluleke kakhulu oyoke uzenze, njengoba sizothinta izinkokhelo zakho zanyanga zonke kanye nenani eliphelele lemali mboleko yakho ngokuhamba kwesikhathi. Nakuba kungase kulinge ukuhamba nenani eliphansi kakhulu elinikezwayo, akulula kangako. Zombili izinhlobo zezindlu ezibolekiwe zinezinzuzo nezingozi zazo, ngakho-ke kufanele uqonde ukuthi imali ebolekiwe enesilinganiso esinqunyiwe kanye nenani eliguquguqukayo isebenza kanjani ngaphambi kokwenza isinqumo.
Emalini ebolekiwe enesilinganiso esimisiwe, izinga lenzalo liyafana kuyo yonke le nkathi. Akunandaba ukuthi izilinganiso zenzalo ziyenyuka noma zehla. Izinga lenzalo yemali mboleko yakho ngeke lishintshe, futhi uzokhokha inani elifanayo nyanga zonke. Izimali ezibolekiwe zesilinganiso esingaguquki ngokuvamile zinezinga lenzalo eliphezulu kunemali ebolekiwe yesilinganiso esiguquguqukayo ngoba ziqinisekisa inani elihlala njalo.
Izibonelo zamazinga aguquguqukayo namisiwe
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.
I-mortgage iyaguquguquka noma ishintshile
Uma ukhetha imali yokuthenga indlu, ungabheki nje izitolimende zanyanga zonke. Kubalulekile ukuqonda ukuthi izinkokhelo zakho zenzalo zibiza malini, zingakhuphuka nini, nokuthi izinkokhelo zakho zizoba yini ngemva kwalokho.
Uma lesi sikhathi siphela, izoya kusilinganiso esijwayelekile esiguquguqukayo (i-SVR), ngaphandle kwalapho ikhokhelwe kabusha. Izinga elijwayelekile eliguquguqukayo lingase libe phezulu kakhulu kunesilinganiso esinqunyiwe, esingangeza okuningi kuzitolimende zakho zanyanga zonke.
Izikweletu eziningi manje "ziyaphatheka", okusho ukuthi zingathuthelwa endaweni entsha. Kodwa-ke, ukuthutha kuthathwa njengesicelo esisha se-mortgage, ngakho-ke uzodinga ukuhlangabezana nokuhlolwa kokukwazi ukukwazi ukuthengeka kombolekisi kanye nezinye izindlela ezizogunyazwa ukubambisa.
Ukuphatha imali ebolekiwe ngokuvamile kungasho ukugcina kuphela ibhalansi ekhona esivumelwaneni samanje esimisiwe noma sesaphulelo, ngakho kufanele ukhethe enye idili kunoma yiziphi ezinye izimalimboleko ezihambayo ezengeziwe, futhi lesi sivumelwano esisha mancane amathuba okuba sihambisane neshejuli yesivumelwano esikhona.
Uma wazi ukuthi kungenzeka uhambe phakathi nesikhathi sokukhokha ngaphambi kwesikhathi sanoma iyiphi idili entsha, ungase uthande ukucabangela izipesheli ezinezindleko eziphansi noma ezingekho ngaphambi kwesikhathi zokubuyisela, okuzokunikeza inkululeko eyengeziwe yokuthenga phakathi kwababolekisi uma kufika isikhathi. hambisa
