Umkhawulo weminyaka yokubolekwa kwempahla e-Ireland
Uma usala ngemuva ekukhokhweni kwakho kwendlu, umbolekisi wakho uzofuna ukuthi uyikhokhe. Uma ungenjalo, umebolekisi uzothatha izinyathelo zomthetho. Lokhu kubizwa ngokuthi isenzo sokuba nempahla futhi kungaholela ekutheni ulahlekelwe ikhaya lakho.
Uma uzoxoshwa, ungatshela nombolekisi wakho ukuthi ungumuntu osengozini enkulu. Uma bevuma ukuvala ukukhishwa, kufanele wazise inkantolo kanye nezikhonzi zenkantolo ngokushesha: imininingwane yabo yokuxhumana izoba sesazisweni sokuxoshwa. Bazohlela esinye isikhathi sokukukhipha: kufanele bakunike esinye isaziso sezinsuku eziyi-7.
Ungase uphikise ngokuthi umbolekisi wakho wenze ngokungafanele noma ngokungafanele, noma akalandelanga izinqubo ezifanele. Lokhu kungasiza ekubambezelekeni kwesinyathelo senkantolo noma kunxenxe ijaji ukuthi likhiphe incwadi emisiwe esikhundleni sokuxoxisana nombolekisi wakho ngesivumelwano esingaholela ekukhishweni kwakho endlini.
Umbolekisi wakho wendlu ebolekiwe akufanele akuthathele izinyathelo zomthetho ngaphandle kokulandela Imithetho Yokuziphatha Yendlu Yendlu (MCOB) esethwe Iziphathimandla Zokuziphatha Kwezezimali (FCA). Imithetho ithi umbolekisi wakho wendlu ebolekiwe kufanele akuphathe ngendlela efanele futhi akunikeze ithuba elanele lokukhokhela isikweleti esikweletwayo, uma ukwazi. Kufanele ucabangele noma yisiphi isicelo esiphusile osenzayo sokushintsha isikhathi noma indlela yokukhokha. Umbolekisi wezindlu kufanele athathe izinyathelo zomthetho kuphela uma yonke eminye imizamo yokuqoqa izikweletu ezisilele emuva ingaphumelelanga.
I-Ireland Local Authority Imalimboleko Yasekhaya
2.45%Amanani aphansi atholakalayo aqala ku-2.45% (APRC – 2.53%)Ulwazi lwezilinganiso ezinemininingwaneHlola ukufaneleka kwakhoUngathanda ukwazi okwengeziwe mayelana nemikhiqizo yethu yemali mboleko? Thinta namuhla futhi omunye wabasebenzi bethu abaqeqeshiwe nabanolwazi lwemalimboleko uzoxhumana nawe.
APRC – 3,28%Izinkokhelo Nezinkokhiso Izimali Nezinkokhiso Zenkampani Yangaphandle Ezisetshenziswayo Izimali Nezinkokhiso Zenkampani YangaphandleKungase kube nezinye izinkokhelo ezihlobene nendlu yakho eboshiwe okufanele uyikhokhe ngokuqondile ezinkampanini zangaphandle, isibonelo, izinkokhelo zommeli, izindleko ze-appraisal, izimali zokulungisa. ukulinganisa€185Amathiphu aphezulu entengo abathengi bokuqala Nawa amanye amathiphu aphezulu wabathengi bokuqala ukuthi yini okufanele bayicabangele lapho uthenga imali yendlu.
Indlela yokuboleka imali, imigomo nemibandela iyasebenza. Indawo ibolekwa ukuze kutholakale imali ebolekiwe. Kudingeka umshwalense wempilo nowasekhaya. Inani eliphakeme lemalimboleko ngokuvamile alikho ngaphezu kwezikhathi ezi-3,5 zesamba semali engenayo yonyaka yomuntu. I-mortgage enkulu ingu-90% yenani lesakhiwo.
Ingabe umuntu ongashadile angathola imali mboleko e-Ireland?
Eqinisweni, umuntu okhokha isilinganiso esingu-4% futhi one-€250.000 esele emalini ebolekiwe iminyaka engu-20 angonga ngaphezu kwama-€230 ngenyanga namuhla uma eshintshela kusilinganiso esinqunyiwe seminyaka emine se-Avant Money, isibonelo, ku-2,15%.
Uma unquma ukushintsha umhlinzeki wakho we-mortgage, uzodinga ukuqasha ummeli ozophatha ukucubungula, amaphepha, nokuxhumana. Ngenhlanhla, uma kuziwa ekushintsheni abahlinzeki, izindleko nomsebenzi wommeli cishe uyingxenye yalokho okuyikho ukuthenga ikhaya elisha.
3. Uma ulwamukela lolu shintsho, uzosayina isivumelwano esisha semalimboleko, ummeli wakho azosithumela ebhange lakho elisha. Uma ufuna ukwengeza igama elisha itayitela lakho lasekhaya, ummeli wakho angakusiza ngalokho.
Shintshela imali yakho ebolekwayo ibe yi-EBS futhi uzozuza imbuyiselo engu-2% emalini yakho ebolekiwe lapho usuyikhokha kanye no-1% owengeziwe phakathi neminyaka emihlanu. Ngokungafani ne-BOI, awudingi ukuba ne-akhawunti yokuhlola ne-EBS ukuze uthole lokhu okwengeziwe okungu-1%.
Njengamanje i-Haven inezipesheli ezimbili zokubuyiselwa imali: ukunikezwa kuka-€2.000 okutholakalayo nesamba sayo semali mboleko 'esiluhlaza' sezinga eliphansi, kanye nomnikelo wama-E5.000 wabantu abashintsha imali mboleko yendlu okungenani engu-€250.000 futhi bakhethe inani elimile. .
Kudingeka isikhathi esingakanani ngibe semsebenzini ukuze ngithole i-mortgage yase-Ireland
Inqubo yokusakaza ngezinye izikhathi ingase ibonakale iyinkimbinkimbi futhi igubuzelwe yimfihlakalo. Kodwa-ke, akumele kube njalo futhi lokho kuyinjongo yalesi sihloko kanye nesizathu sokuthi ngidale i-infographic ehambisana naso. Inhloso yami ukuqeda amandla, ukuphendula eminye yemibuzo evame ukubuzwa, futhi ngichaze inqubo yokusakaza kusuka ekuqaleni kuya ekugcineni.
Ukukhetha ummeli kanye nobudlelwano bakho nommeli kungesinye sezinqumo ezibaluleke kakhulu ozozenza ohlelweni lokudlulisa. Ukukhetha ummeli ofanele kuzoba nomthelela kulokho okwenzayo kuyo yonke inqubo yokuthenga nokudayisa.
Ummeli wakho kufanele akwenze uzizwe ukhululekile futhi enze inqubo yokudlulisa ishelele ngangokunokwenzeka; kumele ahlonze izinkinga futhi ethule izixazululo. Kufanele ube nobudlelwano obuhle nommeli wakho futhi uzizwe ukhululekile ukubamba ucingo.
Ngokwesiko, njengoba abantu abaningi bengenaso isizathu sokuthintana nommeli wabo njalo, bangase bazizwe besaba futhi benqena ukubuza imibuzo ngenxa yokwesaba ukubhekwa 'njengeziphukuphuku'. Ummeli omuhle uzokujabulela ukuphendula leyo mibuzo, ummeli omkhulu uzoyilungiselela.
