Kusho ukuthini ukuxhaswa ngezimali okungu-100%?
Idiphozithi. Idala ukwesaba kubathengi bezindlu. Ingenye yezingxenye okuxoxwe ngazo kakhulu ngokuthenga ikhaya, futhi iminyaka eyithathayo ukulisindisa cishe ingxenye enzima kakhulu yokuthenga ikhaya. Futhi umbuzo omkhulu mayelana nediphozithi: ingakanani idiphozi engiyidingayo? Ake sibheke.
Izindlu ezibolekiwe eziqinisekisiwe ziyingozi kakhulu, ikakhulukazi kubanikezeli ngokwabo. Lokhu kungenxa yokuthi uma ungakwazi ukukhokha imali mboleko, abaqinisekisi banesibopho sokukukhokhela. Lokhu kungaholela ekulahlekelweni yikhaya futhi abaqinisekisi babe nezinkinga ezinkulu zezimali.
Njengoba i-mortgage iyimalimboleko, ithola inzalo. Inzalo ephansi isho ukuthi imali ebolekiwe ilawuleka kakhudlwana, igcina izinkokhelo zisesimweni futhi okusho ukuthi kuzodingeka uchithe ekuthengeni ikhaya lakho sekukonke.
Izindlu ezibolekiwe ezihamba phambili - eziphansi - izilinganiso zenzalo zitholakala kuphela uma unediphozithi enkulu. Ngakho-ke, idiphozithi engu-20% ngokuvamile izokuvumela ukuthi uthole imali ebolekiwe enenzalo ephansi kunemali mboleko ekuvumela ukuthi ube nediphozithi engu-10%.
Futhi, gcina lokhu engqondweni. Idiphozithi engu-15% kanye nediphozithi engu-17% ikunikeza ukufinyelela ekunikezwayo okufanayo. Uzothola amadili angcono kuphela uma ukhuphuka ngo-5% ngaphezulu ufike ku-20%. Azikho izinyathelo ezincane - amadili angcono avulwa njalo lapho lezi zinyathelo ezibalulekile zifinyelelwa, 10%, 15%, 20% njalonjalo.
100% ukuxhasa ngemalimboleko yezindlu umthengi wokuqala
Lapho uthenga ikhaya, enye yezindleko ezinkulu zangaphambili inkokhelo ephansi. Akufanele kudidaniswe nezindleko zokuvala, inkokhelo ephansi ingxenye yentengo yokuthenga ekhokhwa ngaphambili ngesikhathi sokuvalwa. Ngokuvamile, uma ukhokha imali encane endlini lapho uvala, uzokhokha imali eyengeziwe kanye nenzalo phakathi nesikhathi semali mboleko (futhi ngokuphambene nalokho).
Inani olikhethayo njengenkokhelo ephansi lisiza umebolekisi ukuthi anqume ukuthi yimalini azokuboleka nokuthi yiluphi uhlobo lwemali mboleko elungele izidingo zakho. Kodwa yimalini efanelekile yenkokhelo ephansi? Ukukhokha okuncane kakhulu kuzokubiza inzalo nezinkokhelo ngokuhamba kwesikhathi. Ukuningi kakhulu kungaqeda ukonga kwakho noma kuthinte kabi impilo yakho yezezimali yesikhathi eside.
Uma usugunyazwe kusengaphambili ukuthola imali ebolekiwe, umebolekisi uzokutshela inani eliphezulu lemali ebolekiwe ongakufanelekela ukuyithola, ngokusekelwe ezimpendulweni zesicelo sakho. Isicelo se-mortgage sicela inani elilinganiselwe lokukhokha, imali engenayo, umsebenzi, izikweletu, kanye nempahla. Umbolekisi uphinde abheke umbiko wakho wesikweletu kanye nesikolo sakho. Zonke lezi zici zinethonya esinqumweni somboleki ukuthi angakuboleka noma cha imali yokuthenga umuzi, ngaliphi inani, futhi ngamiphi imigomo.
I-100% yemali ye-mortgage evela kunyunyana yezikweletu
Iningi lababolekisi lidinga ukuthi ukhokhele i-Lenders Mortgage Insurance (SMI) uma bekuboleka ngaphezu kuka-80% yenani lesakhiwo. Sichaze izindlela eziyisithupha zokugunyazwa ukuthola imali ebolekiwe yendlu engadiphozithi. Ezinye zalezi zinketho azidingi nokuthi ukhokhe i-LMI.
Lena inketho engcono kakhulu yemali mboleko yekhaya engekho idiphozithi etholakala e-Australia. Ngemali mboleko eqinisekisiwe yomuzi, umnikezeli wesiqinisekiso (ezikhathini eziningi abazali bakho) bazobeka impahla yabo njengesibambiso ukuze ukwazi ukuthatha imalimboleko yokungadiphozi.
Abanye ababolekisi bavumela idiphozithi ebolekiwe futhi abadingi ukonga kwangempela, kodwa ungase udinge imali yakho ukuze ukhokhele umsebenzi wezitembu nezinye izindleko. Uma ungenayo imali oyilondolozile, mancane amathuba okuthi ugunyazwe ukubolekwa imali.
Kunezinketho ezimbalwa ze-deposit mortgage loan. Kodwa-ke, sithole ukuthi lapho sihlola isimo somboleki, ngokuphindaphindiwe, imali mboleko yezindlu evikelekile iba inketho engcono kakhulu.
Azikho izimali mboleko eziye zaba yindlela ekhangayo kubantu abaningi abangenayo imali yokufaka isandla ekubambisaneni. Ezinye zezinzuzo eziyinhloko zokusebenzisa i-guarantor ukuthola imali ebolekiwe ngaphandle kwediphozithi yilezi:
I-Mortgage ene-100% yezimali
Ngokuvamile, ababolekisi badinga okungenani idiphozithi engu-5% ukuze banikeze imali mboleko. Idiphozithi ephezulu isho ukuthi uzofaneleka ukuthola ababolekisi abaningi nemikhiqizo, kanye namazinga enzalo angcono; Nokho, lokhu akuyona inketho ngaso sonke isikhathi kubathengi bokuqala emakethe yanamuhla. Kulabo abangakwazi ukulondoloza idiphozi, noma labo abafuna ukungena endlini ngokushesha ngangokunokwenzeka, kunezinye izindlela ezihilela idiphozithi encane kakhulu, noma ukungabikho nhlobo. I-mortgage engu-100%, ngamagama alula, ingaba imali ebolekiwe ehlanganisa inani eliphelele lendlu okufanele ithengwe, ngaphandle kwesidingo sokulondoloza idiphozithi yakho. Kubalulekile ukuqaphela ukuthi nakuba lokhu kungase kuzwakale kukhanga, ikakhulukazi kubathengi bokuqala, i-mortgage engu-100% (usebenzisa umhlinzeki oyedwa ukuboleka yonke intengo yokuthenga) ayitholakali kakhulu noma ayitholakali okwamanje emakethe. Ababolekisi bavamise ukubheka idiphozithi engu-100% njengotshalomali oluyingozi kakhulu.
