Yintoni omawuyazi malunga ne-mortgages

Kwabaninzi, ukuba nendlu yinxalenye yephupha, kukuzaliseka kwe ubomi obungcono, injongo. Kuninzi lwabaninimzi, ukufumana imali mboleko lelinye lamanyathelo ayimfuneko ukuze ufike apho. Ukuthatha imali mboleko yendlu yenye ye izigqibo zemali ezona zibalulekileyo uninzi lwethu ziya kuze zizithathe. Kubalulekile ke ngoko ukuqonda ukuba ubhalisela ntoni xa uboleka imali yokuthenga indlu.

Ukuba ucinga ngobunini bekhaya kwaye uyazibuza ukuba ungaqala njani, ufike kwindawo elungileyo. Apha siza kugubungela zonke iziseko zokubolekwa kwe-mortgage. Enyanisweni, ndinixelela YONKE INTO ngalo mbandela. Kodwa ngaphambi kokuba uqale, nalu uqeqesho lweprimiyamu oluya kuthi ikuvumela ukuba wazi zonke iimfihlo zokuphumelela kwiPodcast.

✔ Yintoni imali-mboleko?

Imali mboleko yendlu, ebizwa ngokuba mboleko yezindlu, yimali-mboleko yexesha elide esetyenziselwa ukuxhasa ukufunyanwa kwezindlu. Uphawu lwayo oluphambili kukuba luqinisekiswe nge-mortgage kwipropati echaphazelekayo.

Ngokwenyani, umboleki uya kuthabatha imali mboleko yemboleko kunye neziko letyala, ngokubanzi ibhanki. Isixa-mali esinikezelweyo sithathwa njengenkunzi kwithuba elide ukuya kuthi ga ukuya kuthi ga kwi-25-30 iminyaka. Ngeli xesha, umboleki ubuyisela iintlawulo zenyanga ezithe gqolo ezenziwe yinxalenye yenzala kunye nenxalenye yenkunzi.

Isibambiso sebhanki yi-real estate ngokwayo apho i-mortgage ibekwe khona. Oku kuthetha ukuba kwimeko yokungahlawuli ixesha elide, ibhanki inokufuna ukuthengiswa kwepropathi ukuze ifumane imali ekusafuneka ihlawulwe.

Ndiyabulela kwesi siqinisekiso esiqinileyo, kwaye kwixesha elide kangaka, izinga lenzala yemali mboleko ye-mortgage ihlala Uphantsi kakhulu kwaye inika le nkxaso-mali inzuzo eqinisekileyo yokuba ngumnini. Ezi nzuzo zenza ukuba ibe yimveliso yemali elungelelaniswe kwimarike yezindlu.

✔ Ngubani onokufumana imali-mboleko?

Nabani na unokufumana imali-mboleko yendlu. Uninzi lwabantu abathenga ikhaya bakwenza oko nge-mortgage. I-mortgage iyimfuneko ukuba awukwazi ukufikelela kwiindleko ezipheleleyo zendlu ngaphandle kwepokotho.

Kukho amaxesha apho kusengqiqweni ukuba nemali-mboleko kwikhaya lakho nangona unayo imali yokuyihlawula. Ngokomzekelo, abatyali-mali ngamanye amaxesha babambisa iipropati ukuze bakhulule iimali zolunye utyalo-mali.

Ukuze ufanelekele ukubolekwa imali, kufuneka uhlangabezane neemeko ezithile zokufaneleka ezichazwe yibhanki. Ke ngoko, umntu ofumana imali yokubambisa uya kuba ngumntu one ingeniso ezinzileyo nethembekileyo, umlinganiselo wetyala-kwingeniso engaphantsi kwama-50%, kunye namanqaku afanelekileyo amatyala. Ngaphandle kolu hlobo lwemali-mboleko, sinokuba nayo iimali-mboleko zemoto, njalo

✔ Isebenza njani imali yokubambisa?

Imali mboleko lilungelo elinikwe umntu otyalwayo kwi-real estate, ukuze akwazi ukuzibuyisela kwimeko yokusilela ngumboleki. Ngokuchanekileyo, oku kuthetha ukuba kwimeko yokungabuyiswa kwemali mboleko, umntu oboleka imali unokufuna ukuthengiswa kwempahla ebolekiweyo ukuze abuyisele ityala lakhe.

Ukuseta i-mortgage, kufuneka uqhagamshelane nommeli. Emva koko uya kubhalisa i-mortgage kunye nenkonzo yokubhaliswa komhlaba emva kokusayina isivumelwano se-mortgage. Imirhumo yesiqinisekiso se-Mortgage isebenza ngokubanzi.

Emva kokuba ukubhaliswa kwe-mortgage kuqhutywe, umbolekisi uyaqinisekiswa ukuba uyakwazi ukuzibuyisela ngokubulela kwixabiso lepropati ukuba umboleki uyeka zonke iintlawulo. Ibhanki inokufuna ukuthinjwa kunye nefandesi yepropati ebolekiweyo ukuba kuyimfuneko.

Imali mboleko nangona kunjalo, ugcina ilungelo lomntu onetyala lokuhlala kwindawo. Ichaphazela kuphela ilungelo lepropati. Akuvumelekanga ukuba umbolekisi ahluthe ipropati ukuba umnini-mali uqhubeka ehlawula intlawulo yetyala lakhe.

✔ Isebenza njani inzala kwimali mboleko?

Isixa senzala uya kuhlawula kwi-mortgage yakho kuxhomekeke kwi-mortgage deal oyikhethileyo. Ukuba, umzekelo, ukhetha i-mortgage ye-mortgage yexesha elimiselweyo, ngoko ngeli xesha imali yenzala oya kuyihlawula iya kuhlala ifana nyanga nganye.

Ekupheleni kwexesha elimiselweyo lomyinge, uya kudluliselwa ngokuzenzekelayo kumyinge oguquguqukayo oqhelekileyo wombolekisi wakho, odla ngokuba phezulu kunaziphi na izinikezelo ezizodwa ongene kuzo.

Ngeli xesha, uya kubona iintlawulo zakho zenzala zinyuka. Nangona kunjalo, uya kukhululeka ukuba uphinde uhlawule intengiselwano entsha yokubambisa, enokukunceda ukwehlisa iintlawulo zakho.

Ukuba ukhetha i-mortgage yezinga eliguquguqukayo, ngoko ke isixa senzala oyihlawulayo sinokuguquguquka ngokuhamba kwexesha. Ukuba izinga lenzala liyehla, oku kuhla kunokudluliselwa kuwe kwaye uya kubona iintlawulo zakho zenyanga zisehla.

Nangona kunjalo, ukuba izinga lokuboleka imali liyenyuka, iindleko zokuboleka ziba phezulu kubabolekisi, kwaye ezi ndleko eziphezulu zigqithiselwa kubanikazi bezindlu. Kule meko, iintlawulo zakho zenyanga ziya kunyuka. Yiyo loo nto abathengi abaninzi bekhetha amaxabiso amiselweyo ukuqinisekisa ukuba inzala yabo kunye neentlawulo zenyanga aziyi kutshintsha.

Kwiminyaka yokuqala ye-mortgage yakho, ngaphezulu kwentlawulo yakho yenyanga iya ekuhlawuleni inzala yakho kunye nemali encinci kwinqununu yakho. Kancinci, uya kuqalisa ukuhlawula ngaphezulu kwenqununu yakho ekuhambeni kwexesha njengoko ityala lakho liyancipha.

✔ Amacandelo entlawulo yokubambisa

Iintlawulo zakho zenyanga zokubambisa zinokugubungela izinto ezininzi, kubandakanya:

🎯 Inqununu yemali mboleko

"I i-mortgage capital » ithetha izinto ezimbini. Isenokubhekisa kwisixa osibolekileyo. Inokubhekisa nakwimali oyibambayo emva kokwenza iintlawulo.

Ngokomzekelo, ukuba uboleke i-$ 200 kwaye ubuyisele i-$ 000, ibhalansi yenqununu eseleyo yi-$ 24. Inxalenye yentlawulo ye-mortgage nganye isetyenziswa kwinqununu yakho, inciphisa isixa esipheleleyo osityalayo ekuhambeni kwexesha.

🎯 inzala kwimali-mboleko yendlu

Izinga lenzala kwimali-mboleko yakho limisela imali oya kuyihlawula umbolekisi ngemali-mboleko. Inxalenye yentlawulo yenyanga nganye inciphisa inqununu emele ihlawulwe kwaye inxalenye isetyenziselwa inzala. Kwiminyaka embalwa yokuqala yemboleko, ininzi yentlawulo yenyanga nganye ihlawula inzala kwaye encinci ichithwa kwinqununu.

Kwiminyaka kamva, uninzi lwentlawulo lunciphisa inqununu. Le nkqubo ibizwa ngokuba kukuhla kwexabiso.

🎯 Iirhafu zePropati

Umbolekisi wakho unokuqokelela irhafu yepropathi kunye nentlawulo yakho yokubambisa kwaye ubambe imali kwi-akhawunti ye-escrow de i-bill yakho yerhafu yepropati, uyihlawule egameni lakho ngelo xesha.

🎯 i-inshurensi yekhaya

I-inshurensi yomninimzi, enokuhlawula umonakalo obangelwe yimililo, izaqhwithi, iingozi kunye nezinye iintlekele, ifunwa ngokuqhelekileyo ngababolekisi bezindlu. Banokuqokelela iipremiyamu kunye nentlawulo yakho yokubambisa kwaye emva koko bahlawule i-inshurensi ye-inshurensi kwi-akhawunti yakho ye-escrow xa kufanelekile.

🎯 i-inshurensi yokubambisa

Xa ubeka phantsi ngaphantsi kwe-20%, ababolekisi badla ngokukucela ukuba uhlawule i-inshurensi ye-mortgage loan. Le inshorensi ikhusela umbolekisi kumngcipheko wokungahlawuli imali-mboleko.

Kukho iindidi ezimbini: i-inshurensi ye-mortgage yabucala kunye neefomu ze-inshurensi ye-mortgage efunekayo kwimali-mboleko exhaswa ngurhulumente. Iintlawulo zanyanga le zingahlawulwa kwisiteyitimenti sakho senyanga sokubambisa

✔ Iindidi ezahlukeneyo zeemali-mboleko zezindlu

Kukho iintlobo ezininzi zeemali mboleko ezifumanekayo kubathengi. Zibandakanya iimali mboleko ezimiselweyo zesiqhelo, eziphakathi Eyona ixhaphakileyo, ngokunjalo nezinga elihlengahlengiswayo lokubolekwa kwezindlu kunye neemali zokubambisa ezifikelelekayo. Abathengi abanokubakho kufuneka baphande ukhetho olufanelekileyo kwiimfuno zabo.

🎯 Iimali mboleko ezizinzileyo

Iimali mboleko ezizinzileyo zinika ababoleki inzala esisigxina kwixesha elimiselweyo ngokuqhelekileyo 15, 20 okanye 30 iminyaka ubudala. Ngomlinganiselo wenzala omiselweyo, okukhona ixesha lokuhlawula lomboleki lisiba lifutshane, kokukhona inyuka intlawulo yenyanga. Ngokuchaseneyo, okukhona umntu obolekayo ethatha ixesha elide ukuhlawula, kokukhona lincinci inani lenyanga lokubuyisela.

Nangona kunjalo, okukhona kuthatha ixesha ukubuyisela imali-mboleko, kokukhona inzala eninzi umboleki ehlawula ekugqibeleni.

• Inzuzo

Uninzi inzuzo enkulu ye-mortgage yezinga elimiselweyo kukuba umboleki unokulindela iintlawulo zabo zenyanga zokubambisa ukuba zihlale. Oku kwenza uhlahlo lwabiwo-mali lwekhaya lube lula kwaye kuthintela iindleko ezongezelelweyo ezingalindelekanga inyanga nenyanga. Nokuba amazinga emarike anyuka kakhulu, umboleki akufuneki enze iintlawulo eziphezulu zenyanga.

• Ukungancedi

Iintengiselwano zexabiso elizinzileyo ziphezulu kancinane kunexabiso lemali yokubambisa. Ukuba izinga lenzala liyehla, awuzukuzuza.

Isilumkiso ku:

• Umrhumo ukuba ufuna ukusishiya isivumelwano kwangethuba - ubophelelekile ngexesha lolungiso.
• Ukuphela kwexesha elimiselweyo – kufuneka ujonge isivumelwano esitsha semali-mboleko kwiinyanga ezimbini ukuya kwezintathu phambi kokuba siphele okanye uya kutshintshelwa ngokuzenzekelayo kumlinganiselo oguquguqukayo wombolekisi wakho, odla ngokuba phezulu.

🎯 Iimali mboleko eziguquguqukayo

Ngeemali mboleko ezilungelelanisiweyo, inzala ingatshintsha nangaliphi na ixesha. Qinisekisa ukuba unogcino-mali ukuze ukwazi ukuhlawulela ukonyuka kweentlawulo zakho ukuba amaxabiso ayenyuka. Ixabiso lemali ebolekwayo liza ngeendlela ezahlukeneyo:

➤ Izinga lokuNdada okuMgangatho

Eli lizinga lenzala eliqhelekileyo elithi umbolekisi wendlu yakho abize abathengi. Iya kuhlala ixesha elide njengendawo yakho yokubambisa okanye de ugqibezele enye intengiselwano yokubambisa. Utshintsho kwiqondo lenzala lunokuthi lwenzeke emva kokunyuka okanye ukuhla kwexabiso lesiseko elibekwe yiBhanki.

Inzuzo

inkululeko - ungahlawula ngaphezulu okanye uhambe nangaliphi na ixesha.

Ukungancedi

Umlinganiselo wakho unokunyuka nangaliphi na ixesha ngexesha lemboleko.

➤ Isaphulelo semali mboleko

Esi sisaphulelo kumlinganiselo wokuguquguquka oqhelekileyo wombolekisi (TVS) kwaye sisebenza kuphela ixesha elithile, ngokuqhelekileyo iminyaka emibini okanye emithathu. Kodwa kufanelekile ukuthenga ngeenxa zonke. I-TVS iyahluka phakathi kwababolekisi. Ngoko ke sukucinga ukuba okukhona isaphulelo siphezulu, kokukhona usezantsi inzala.           

Inzuzo

• iindleko – ixabiso liqala ngexabiso eliphantsi, nto leyo eya kugcina iintlawulo zenyanga ziphantsi;
• Ukuba umbolekisi wehlisa iTVS zabo, uya kuhlawula kancinci inyanga nenyanga.

Ukungancedi

• Uhlahlo lwabiwo-mali - umbolekisi ukhululekile ukuba andise iiTV zabo nangaliphi na ixesha
• Ukuba isiseko seBhanki sinyuka, uyakubona ukunyuswa kwesaphulelo.

Nika ingqalelo kwiintlawulo ukuba unqwenela ukuhamba phambi kokuphela kwexesha lesaphulelo.

➤ Ixabiso le-Capped Mortgages

Umlinganiselo wakho udla ngokutshintsha kwi-TVS yombolekisi. Kodwa i-cap ithetha ukuba izinga alikwazi ukudlula kwinqanaba elithile.

Inzuzo

• Ukuqiniseka - izinga lakho aliyi kudlula inqanaba elithile. Kodwa qiniseka ukuba unako ukubuyisela imali ukuba ifike kwinqanaba le-cap.
• Ixabiso eliphantsi - izinga lakho liya kuhla ukuba i-TVS iyahla.

Ukungancedi

• Isilingi ithande ukusetwa phezulu;
• Ireyithi ngokubanzi iphezulu kunezinye iireyithi eziguquguqukayo nezizinzileyo;
• Umbolekisi wakho unokutshintsha ireyithi nangaliphi na ixesha ukuya kwinqanaba le-cap.

➤ Iimali zokubambisa

Oku kusebenza ngokuqhagamshela iakhawunti yakho yokonga kunye ne-akhawunti yangoku kwimali-mboleko yakho ukuze uhlawule inzala kuphela kumahluko. Usayibhatala imali-mboleko yakho rhoqo ngenyanga njengesiqhelo, kodwa ukonga kwakho kusebenza njengentlawulo engaphezulu ekuncedayo ukuvala imali yakho yokubambisa kwangethuba.

 ✔ Indlela yokukhetha i-mortgage elungileyo?

Imarike yemali-mboleko inokhuphiswano olumangalisayo kwaye kunokuba nzima ukuqonda ukuba yintoni kanye enikezelwayo. Kukho ababoneleli abaninzi abahlukeneyo kunye noluhlu olubanzi lwe iimveliso kunye namaxabiso akhoyo. Kululuvo oluhle ke ngoko ukuthetha nebhanki yakho kunye neqela labacebisi ngezemali mboleko ezizimeleyo.

Ababolekisi (ngokuqhelekileyo iibhanki) kunye nabarhwebi kufuneka bakucebise xa ucebisa ngokubambisa. Baza kuvavanya ukuba yimalini na imali yendlu onokuyihlawula, bejonga umvuzo wakho kunye nokuhlawula amatyala akho kunye neendleko zemihla ngemihla. Oku kuthetha ukuba kufuneka ugqibe ekubeni unemali-mboleko ehlangabezana neemfuno zakho.

Nangona ababolekisi kunye nabarhwebi kufuneka banike iingcebiso phantse kuzo zonke iimeko, unokukhetha ukulandula ingcebiso kwaye ufumane eyakho isivumelwano semali-mboleko esekwe kuphando lwakho. Ukuba ukhetha eyakho imali yokubambisa ngaphandle kwesaziso, oku kubizwa ngokuba sisicelo. ukwenziwa kuphela ».

✔ Ndisenza njani isicelo semali mboleko?

Ukufaka isicelo semali-mboleko kudla ngokuba yinkqubo enamanyathelo amabini. Inyathelo lokuqala lidla ngokubandakanya uphando olusisiseko lokukunceda ukuba ubone ukuba yimalini na onokufikelela kuyo kwaye loluphi uhlobo (ii) mboleko onokuthi uyifune.

Isinyathelo sesibini kulapho umbolekisi we-mortgage uya kwenza uhlolo olucacileyo lokufaneleka kwaye, ukuba aluzange luceliwe, ubungqina bengeniso.

🎯 Inqanaba lokuqala

Ngokuqhelekileyo, ababolekisi baya kukubuza uthotho lwemibuzo ukufumanisa ukuba luhlobo luni lwemali-mboleko oyifunayo kwaye ufuna ixesha elingakanani. Baza kuzama ukumisela, ngaphandle kokungena kwiinkcukacha ezininzi, imeko yakho yezemali.

Oku kusetyenziswa ngokubanzi ukubonisa ukuba yimalini na umbolekisi anokuvuma ukukuboleka. Kufuneka kwakhona bakunike ulwazi oluphambili malunga nemveliso, inkonzo yabo, kunye nazo naziphi na iintlawulo okanye iintlawulo, ukuba zikhona.

🎯 Inyathelo lesibini

Oku kuqhelekile apho uqala khona isicelo sakho. Umbolekisi okanye i-mortgage broker iya kuqala " ukufunyanwa kwezibakala » Uvavanyo olubanzi noluneenkcukacha lwembewu, apho kuya kufuneka unikeze ubungqina bomvuzo wakho kunye neendleko, kunye “ iimvavanyo zoxinzelelo »ngeemali zakho.

Oku kunokubandakanya imibuzo eneenkcukacha malunga nemali yakho kunye nezicwangciso zexesha elizayo ezinokuchaphazela umvuzo wakho wexesha elizayo. Baza kuvavanya kwakhona impembelelo kwiintlawulo zakho ukuba inzala iyanyuka kwixesha elizayo.

Ukuba isicelo sakho samkelwe, umbolekisi uya kukunika “isithembiso esibophelelayo” kunye noxwebhu (s) lwemifanekiso yemali mboleko echaza imiqathango yemali-mboleko yakho.

Oku kuya kukhatshwa ngu “ ixesha lokucinga »ubuncinane beentsuku ezisi-7, nto leyo eya kukunika ithuba lokwenza uthelekiso kwaye uvavanye iziphumo zokwamkela unikezelo lombolekisi wakho. Abanye ababolekisi banokukunika ngaphezulu kweentsuku ezisi-7 ukwenza oku. Unelungelo lokuyeka eli xesha lokubonisa ukukhawulezisa ukuthengwa kwekhaya lakho ukuba uyafuna.

Ngeli xesha lokupholisa, umbolekisi akakwazi ukuguqula okanye ukurhoxisa isithembiso sakhe, ngaphandle kweemeko ezithile ezilinganiselweyo.

✔ Uthini umahluko phakathi kwemali-mboleko elula kunye ne-mortgage loan?

Igama elithi " lungile » ingasetyenziswa ukuchaza nayiphi na intengiselwano yezemali. Iintengiselwano apho elinye iqela lifumana isixa semali kwaye livuma ukuyibuyisela kwintlawulo yenzala.

I-mortgage luhlobo lwemali-mboleko esetyenziselwa ukuxhasa ipropati. I-mortgage luhlobo lwemali-mboleko, kodwa ayizizo zonke iimali-mboleko ezibolekayo.

Iimali mboleko yimali-mboleko kuqinisekisiwe ". Ngemali-mboleko eqinisekisiweyo, umboleki uthembisa ukhuseleko kumbolekisi xa beyeka ukwenza iintlawulo. Kwimeko yemali mboleko, isibambiso yindlu. Ukuba uyayeka ukwenza iintlawulo kwi-mortgage yakho, umbolekisi wakho unokuthatha ikhaya lakho.

🎯 Ngamafutshane...

Imali-mboleko yendlu-mboleko yimali-mboleko esetyenziselwa ukuthenga indlu okanye ukubuyisela imali-mboleko yendlu. Wenza iintlawulo rhoqo kwi-mortgage de ihlawulwe emva kwenani elithile leminyaka.

Ngokucacileyo, i-mortgage luxwebhu olusemthethweni oluvumela umbolekisi wakho ukuba athathe indlu ukuba awuyibuyiseli imali-mboleko njengoko kuvunyelwene. Kwamanye amazwe, olu xwebhu lubizwa ngokuba yi-trust deed.

Emva kokuba uhlawule imali mboleko, umnikazi wendlu, okanye " ikhululekile kwaye icacile ". Ilungelo elisemthethweni lombolekisi lokukuhlutha ikhaya lakho liyanyamalala.

Xa uthelekisa ezi zibonelelo, khumbula ukujonga imirhumo yokurhoxa, kunye nezohlwayo zokuphuma. Ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba wenze njalo master yorhwebo ngeyure nje 1. Cofa apha ukuze uyithenge

Kuzo zonke iinkxalabo zakho, ndishiye uluvo