Ubani othumela itayitela lezindlu
Ababolekisi bafuna ukwenza isiqiniseko sokuthi bahlola isimo sakho ngendlela efanele, uma ulwazi abaluhlaziyayo lungalungile, isinqumo sabo sokugunyaza noma ukwenqaba imali oyibolekiwe sizofakwa engozini.
Lapho ufaka isicelo sokubolekwa imali, uzocelwa ukuba unikeze ubufakazi bemali oyitholayo, njengezinhlamvu zemali, incwadi evela kumqashi wakho, amafomu entela noma isaziso sokuhlola, kanye nezitatimende ezibonisa idiphozithi yakho noma imali mboleko osuvele unayo, ngisho i-ID yedokhumenti yokuqinisekisa ukuthi ungubani ngempela.
Singabathengisi bezindlu abakhethekile abangakusiza ukuthi imali oyibolekile ivunyelwe. Uma ufuna ukwenza i-aphoyintimenti noma ukhulume ne-ejenti, sishayele ku-1300 889 743 noma ubuze ku-inthanethi.
“…Ukwazile ukusithola ngokushesha futhi ngokungananazi ukuboleka imali enenzalo enhle lapho abanye besitshela ukuthi kuzoba nzima kakhulu. Ngihlabeke umxhwele kakhulu ngenkonzo yabo futhi ngingancoma kakhulu Ochwepheshe Bokubolekwa Kwezindlu ngokuzayo”
“… benze inqubo yokufaka isicelo neyokulungisa yaba lula ngendlela emangalisayo futhi ngaphandle kwengcindezi. Banikeze ulwazi olucacile futhi babeshesha ukuphendula noma yimiphi imibuzo. Bebebeka obala kuzo zonke izici zenqubo.”
Kungani kudingeka ufakazi ukuze uthole itayitela lezindlu zokuhlala?
I-Mortgage Loan iwuhlobo lwesikweletu olutholwa ngokuthembisa ngempahla noma impahla ebhange njengesibambiso sokukhokhwa kwemali. Ngokuvumelana ne-athikili 58 yoMthetho Wokudluliswa Kwezakhiwo, imali ebolekwayo iwukudluliselwa kwenzalo endaweni ethile eyenziwe ukuze kuqinisekiswe ukubuyiswa kwesamba semali ethuthukisiwe njengemalimboleko kumboleki.
Ngolimi olulula, i-mortgage isho ukuthi uma umuntu efuna ukubolekwa imali ebhange, uzoyithola inqobo nje uma egcina indlu yakhe noma iflethi ebhange njengesibambiso. Lokhu kusho ukuthi uma umeboleki engayilungisi imali, ibhange lingakwazi ukuthatha umuzi noma iflethi elishiwo bese liyidayisela ukuze libuyise izikweletu esisele nazo.
Nakuba izinqubo zokufaka isicelo zingahluka ebhange nebhange, ukuba netayitela elicacile lesakhiwo kuyisidingo esiyisibopho sanoma iyiphi imali ebolekiwe. Lokhu kungenxa yokuthi ibhange alifuni ukuthi kube khona noma yikuphi ukunxeshezelwa kwezimangalo okungena endleleni yokuphoqelela isiqinisekiso. Lokhu kusho ukuthi uma umboleki efaka futhi ibhange lifuna ukuthengisa indawo futhi libuyiselwe imali, kufanele ligweme ubunzima bokumangalelana okuvela eceleni okungase kubambe isihloko somboleki.
Ufakazi wetayitela lezindlu
Ukuthola imali yokubolekwa kwendlu ngokuguquguqukayo kusho ukuqaliswa kwetayitela lendlu ebolekwayo ngumuntu obolekayo ukuze avune umbolekisi wendlu. Ngaphezu kwe-mortgage, kukhona neminye imibhalo ibhange elingase liyidinge ukuze linikeze ukuvikeleka okungcono kokukhokhwa kwemali mboleko yezindlu.
Ibhange ngalinye eHong Kong linefomu lalo elijwayelekile le-mortgage. NgoMeyi 2000, i-Hong Kong Mortgage Corporation Limited yethula imodeli yetayitela lendlu yendlu engathathwa amabhange. Lesi sampula setayitela lendlu yendlu senziwa ngesiNgisi futhi kukhona ukuhumusha kwesiShayina. Ngokuvamile, i-mortgage deed izoqukatha, phakathi kokunye, izinhlinzeko ezilandelayo:
Umashonisa ukhokhisa/ubambisa ngempahla yakhe ebhange njengesibambiso. Esibambiso "sezimali zonke", indawo izoba yisibambiso sazo zonke izikweletu ze-mortgagor, ngaphandle kwemingcele. Ngakho-ke, uma umuntu obolekisa ngemali ecela ukukhululwa kwempahla ebolekiwe kumuntu obambisa imali, lowo oboleka imali, ngokomthetho, unelungelo lokucela obolekisa ngemali ukuthi akhokhe sonke isikweletu sakhe ngaleso sikhathi ebhange, okuhlanganisa, isibonelo, imali engaphezu kweyodwa. intuthuko yemali mboleko yokuqala yokubolekwa kwezindlu.
Kuthatha isikhathi esingakanani ukuthola itayitela lendlu ngemuva kokukhokha i-mortgage
Ukuthenga ikhaya isikhathi esijabulisayo, kodwa ukufaka isicelo semali mboleko kungase kube ingcindezi. Lapho ufaka isicelo sokubolekwa imali, kunamaphepha amaningana umabolekisi wakho azowacela. Indlela enhle yokunciphisa ingcindezi lapho ufaka isicelo semali mboleko iwukuba uqiniseke ukuthi unawo wonke amadokhumenti ongase uwadinge ngaphambi kokuba uqale inqubo yokufaka isicelo. Nawa amadokhumenti ayi-5 abaluleke kakhulu umabolekisi wakho we-mortgage azowadinga ukuze uzilungiselele lapho kufika isikhathi.
Ingxenye yesicelo sakho semali mboleko imemezela iholo lakho, ngakho-ke uzodinga ukunikeza ama-W-2 akho akamuva kanye nezimbuyiselo zentela ukuze uqinisekise lokho. Njalo ngonyaka, umqashi wakho kufanele akuthumelele ifomu elisha le-W-2 ukuze ulifake nezintela zakho, futhi ngemva kokulifaka, kufanele ugcine ikhophi yembuyiselo yakho yentela. Lawa maphepha anemininingwane ngomlando wakho wezezimali, okuzosiza umbolekisi wakho anqume inani lemali mboleko ongakwazi ukuyikhokhela. Uma ungakabi nazo, qala ukuziqoqa ngokushesha.
Umbolekisi uzophinde akucele ukuthi unikeze izikhala zakho zakamuva zokukhokha, ngokuvamile zingakapheli izinsuku ezingu-30. Lezi zinhlamvu zokukhokha zibonisa umebolekisi ukuthi yini oyizuzayo manje, futhi zisiza ukuqedela isithombe sakho sezezimali. Nakuba ama-W-2 nezimbuyiselo zentela zingatshela ababolekisi ukuthi yini oyizuzile ngonyaka odlule, izigaxa zokukhokha zibanika isithombe esisheshayo sesimo sakho sezezimali.
