Okufanele ukwazi ngama-mortgages

Kwabaningi, ukuba nendlu kuyingxenye yephupho, kuwukugcwaliseka kwe impilo engcono, inhloso. Kubanikazi abaningi bezindlu, ukuthola izikweletu kungenye yezinyathelo ezidingekayo ukuze ufike lapho. Ukuthatha i-mortgage loan kungenye ye izinqumo zezimali ezibaluleke kakhulu iningi lethu eliyoke lizithathe. Ngakho-ke kubalulekile ukuqonda ukuthi ubhalisela ini uma uboleka imali yokuthenga umuzi.

Uma ucabanga ubunikazi bekhaya futhi uzibuza ukuthi ungaqala kanjani, usufike endaweni efanele. Lapha sizofaka zonke izisekelo zokubolekwa kwezindlu. Eqinisweni, ngikutshela KONKE ngale ndaba. Kodwa ngaphambi kokuthi uqale, nansi ukuqeqeshwa kwe-premium okuzokwenza ikuvumela ukuthi wazi zonke izimfihlo zokuphumelela kuPodcast.

✔️ Iyini i-mortgage?

I-mortgage loan, ebizwa nangokuthi imalimboleko yezindlu, iyimalimboleko yesikhathi eside esetshenziselwa ukuxhasa ukutholwa kwezindlu ezithengiswayo. Isici sawo esiyinhloko ukuqinisekiswa yi-mortgage kule ndawo okukhulunywa ngayo.

Ngokuqondile, umboleki uzothatha imali ebolekiwe ye-mortgage nesikhungo sekhredithi, ngokuvamile ibhange. Inani elinikeziwe lithathwa njengosonhlamvukazi isikhathi eside kuze kufike kuze kufike eminyakeni engama-25-30. Ngalesi sikhathi, umboleki ukhokha njalo izinkokhelo zenyanga ezenziwe ingxenye yenzalo kanye nengxenye yemali.

Isibambiso sebhange indawo ethengiswayo uqobo lapho kubekwa khona imali yokuthenga indlu. Lokhu kusho ukuthi uma kwenzeka isikhathi eside singakhokhi, ibhange lingase lidinge ukudayiswa kwendawo ukuze libuyise izimali ezisakweletwa.

Ngenxa yalesi siqinisekiso esiqinile, futhi esikhathini eside kangaka, izinga lenzalo yemali mboleko yemali mboleko lihlala likhona Iphansi impela futhi inikeza lokhu kuxhaswa ngezimali inzuzo eqinisekile yokuba umnikazi. Lezi zinzuzo zikwenza kube umkhiqizo wezezimali oguqulelwe emakethe yezindlu nezindlu.

✔️ Ubani ongathola imali mboleko?

Noma ubani angathola imali mboleko yezindlu. Abantu abaningi abathenga izindlu benza kanjalo nge-mortgage. I-mortgage iyisidingo uma ungakwazi ukukhokhela izindleko ezigcwele zendlu ngaphandle kwephakethe.

Kunezikhathi lapho kunengqondo ukuthi ube ne-mortgage emzini wakho nakuba unayo imali yokuyikhokha. Isibonelo, Abatshalizimali kwesinye isikhathi babolekisa ngezakhiwo ukuze bakhulule imali yolunye utshalomali.

Ukuze ufanelekele ukubolekwa imali, kufanele uhlangabezane nemibandela ethile yokufaneleka echazwe yibhange. Ngakho-ke, umuntu othola i-mortgage cishe kuzoba umuntu one- imali engenayo ezinzile futhi enokwethenjelwa, isilinganiso sesikweletu semali engenayo esingaphansi kuka-50%, kanye nesikolo sesikweletu esihloniphekile. Ngaphandle kwalolu hlobo lwemalimboleko, singaba nayo imalimboleko yemoto, njll

✔️ Asebenza kanjani ama-mortgages?

I-mortgage kuyilungelo elinikezwa umbolekisi ngezindlu, ukuze akwazi ukuzikhokhela uma kwenzeka umboleki ehluleka ukukhokha. Ngokuqondile, lokhu kusho ukuthi uma kwenzeka ukungakhokhi imali ebolekiwe, umenzi wezindlu angafuna ukudayiswa kwempahla ebanjisiwe ukuze abuyise isikweletu sakhe.

Ukusetha i-mortgage, kufanele uthinte i-notary. Owokugcina uyobe esebhalisa imali ebolekayo nensizakalo yokubhaliswa komhlaba ngemva kokusayina itayitela lesikweletu sezindlu. Izindleko zesiqinisekiso se-mortgage ngokuvamile ziyasebenza.

Uma ukubhaliswa kwe-mortgage sekwenziwe, umbolekisi uyaqinisekiswa ukuthi uyakwazi ukuzikhokhela ngenxa yenani lesakhiwo uma umboleki eyeka konke ukukhokha. Ibhange lingafuna ukushaqwa nokudayiswa kwempahla ebanjisiwe uma kunesidingo.

I-mortgage Nokho, igcina ilungelo okweletayo ukuhlala ezakhiweni. Ithinta kuphela ilungelo lempahla. Akuvumelekile ngombolekisi ukuthi aphange impahla inqobo nje uma umnikazi eqhubeka nokuhlonipha ukukhokhwa kwesikweletu sakhe.

✔️ Isebenza kanjani inzalo kwi-mortgage?

Inani lenzalo uzokhokha kwi-mortgage yakho kuncike esivumelwaneni se-mortgage oyikhethile. Uma, ngokwesibonelo, ukhetha i-mortgage yezinga elimisiwe isikhathi esithile esinqunyiwe, khona-ke phakathi nalesi sikhathi inani lenzalo ozoyikhokha liyohlala linjalo inyanga ngayinye.

Ekupheleni kwenkathi yesilinganiso esimisiwe, ngokuvamile uzodluliselwa ngokuzenzekelayo esilinganisweni esivamile somboleki wakho, esivame ukuba phezulu kunanoma iziphi izipesheli ozifakile.

Kuleli qophelo, uzobona izinkokhelo zakho zenzalo zikhuphuka. Kodwa-ke, uzokhululeka ukuboleka imali entsha ye-mortgage, engasiza ukwehlisa izinkokhelo zakho.

Uma ukhetha i-mortgage yesilinganiso esiguquguqukayo, inani lenzalo oyikhokhayo lingase lishintshe ngokuhamba kwesikhathi. Uma izilinganiso zenzalo zehla, lokhu kwehla kungase kudluliselwe kuwe futhi uzobona izinkokhelo zakho zenyanga zehla.

Kodwa-ke, uma amanani entengo yezindlu enyuka, izindleko zokuboleka ziba phezulu kubabolekisi, futhi lezi zindleko eziphakeme ngokuvamile zidluliselwa kubanikazi bezindlu. Kulesi simo, izinkokhelo zakho zanyanga zonke zizonyuka. Yingakho abathengi abaningi bekhetha amanani angashintshi ukuze baqinisekise ukuthi izinga labo lenzalo kanye nezinkokhelo zanyanga zonke ngeke zishintshe.

Eminyakeni yokuqala yemali mboleko yakho, inkokhelo yakho yanyanga zonke iya ekukhokheleni inzalo yakho kanye nenani elincane kuthishanhloko wakho. Kancane kancane, uzoqala ukukhokha ngaphezulu kukathishanhloko wakho ngokuhamba kwesikhathi njengoba isikweletu sakho sincipha.

✔️ Izingxenye zenkokhelo ye-mortgage

Izinkokhelo zakho zenyanga zonke ze-mortgage zingafaka izinto ezimbalwa, okuhlanganisa:

🎯 Uthishanhloko wemalimboleko

the " imali yokuboleka imali »isho izinto ezimbili. Ingase ibhekisele enanini olibolekile. Kungabhekisela nasemalini oyikweletayo ngemva kokukhokha.

Isibonelo, uma uboleke u-$200 futhi ubuyisele u-$000, ibhalansi eyinhloko esele ingu-$24. Ingxenye yenkokhelo ngayinye ye-mortgage isetshenziswa kuthishanhloko wakho, kunciphisa inani lemali oyikweletayo ngokuhamba kwesikhathi.

🎯 inzalo yemali mboleko yezindlu

Izinga lenzalo yemali ebolekiwe yakho linquma inani ozolikhokhela umbolekisi wemali mboleko. Ingxenye yenkokhelo yanyanga zonke inciphisa uthishanhloko okufanele akhokhe futhi ingxenye isetshenziselwa inzalo. Eminyakeni embalwa yokuqala yemali mboleko, iningi lenkokhelo yanyanga zonke likhokha inzalo futhi kuncane okuchithwa kuthishanhloko.

Eminyakeni eyalandela, iningi lenkokhelo linciphisa uthishanhloko. Le nqubo ibizwa ngokuthi ukwehla kwenani.

🎯 Izintela zezakhiwo

Umbolekisi wakho angaqoqa intela yendawo kanye nenkokhelo yakho ye-mortgage futhi abambe imali ku-akhawunti ye-escrow kuze kube yilapho isikweletu sakho sentela yendawo sifika, sikukhokhele ngaleso sikhathi.

🎯 umshwalense wasekhaya

Umshwalense womninikhaya, ongamboza umonakalo odalwe imililo, iziphepho, izingozi nezinye izinhlekelele, ngokuvamile udingwa ababolekisi bezindlu. Bangakwazi ukuqoqa amaphrimiyamu ngenkokhelo yakho ye-mortgage bese ukhokha isikweletu somshuwalense nge-akhawunti yakho ye-escrow uma sekufanele.

🎯 umshuwalense we-mortgage

Uma ubeka phansi ngaphansi kuka-20%, ababolekisi bavame ukukucela ukuthi ukhokhele umshwalense wemali mboleko yezindlu. Lo mshwalense uvikela umebolekisi engcupheni yokungakhokhi isikweletu.

Kunezinhlobo ezimbili: umshwalense we-mortgage wangasese kanye nezinhlobo zomshwalense we-mortgage odingekayo emalimboleko exhaswe uhulumeni. Izinkokhelo zingakhokhiswa esitatimendeni sakho sanyanga zonke se-mortgage

✔️ Izinhlobo ezahlukene zama-mortgages

Kunezinhlobo ezimbalwa zezikweletu zezindlu ezitholakalayo kubathengi. Kubandakanya imali ebolekiwe yesilinganiso esingaguquki esivamile, ephakathi Okuvame kakhulu, kanye nenani lemali ebolekwayo elilungisekayo kanye nezimali ezibolekwayo ezingafinyeleleki kalula. Abathengi abangaba khona kufanele bacwaninge inketho efanele yezidingo zabo.

🎯 Izilinganiso ezilungisiwe zokubolekwa kwemali

Izimali ezibolekiwe zesilinganiso esingaguquki zinikeza ababoleki isilinganiso senzalo esingashintshi esikhathini esinqunyiwe ngokuvamile 15, 20 noma 30 iminyaka ubudala. Ngesilinganiso senzalo esingaguquki, lapho isikhathi sokukhokha somboleki siba mfishane, sikhuphuka inkokhelo yanyanga zonke. Ngokuphambene, uma umboleki ethatha isikhathi eside ukukhokha, liba lincane inani lemali lokukhokha lenyanga.

Nokho, uma kuthatha isikhathi eside ukubuyisela imali ebolekiwe, yilapho umboleki egcina ekhokha inzalo eyengeziwe.

• Izinzuzo

Iningi inzuzo enkulu yemali ebolekiwe yesilinganiso esinqunyiwe ukuthi umboleki angalindela ukuthi izinkokhelo zabo zenyanga zezindlu ezibolekiwe zibe njalo. Lokhu kwenza isabelomali sasekhaya sibe lula futhi kugwema izindleko ezengeziwe ezingalindelekile inyanga nenyanga. Ngisho noma amanani emakethe enyuka kakhulu, umboleki akudingeki enze izinkokhelo eziphakeme zenyanga.

• Okubi

Izinga elimisiwe lentengiselwano ngokuvamile liphakeme kancane kunemali ebolekiwe yesilinganiso esiguquguqukayo. Uma izilinganiso zenzalo zehla, ngeke uzuze.

Isexwayiso ku:

• Imali ekhokhwayo uma ufuna ukushiya isivumelwano kusenesikhathi - uboshiwe ngesikhathi sokulungiswa.
• Ukuphela kwesikhathi esinqunyiwe - kufanele ubheke isivumelwano esisha semali mboleko izinyanga ezimbili kuya kwezintathu ngaphambi kokuthi siphele noma uzodluliselwa ngokuzenzekelayo esilinganisweni esijwayelekile somboleki wakho, esivame ukuba phezulu.

🎯 Izilinganiso eziguquguqukayo zokubolekwa kwemali

Ngemali ebolekiwe yesilinganiso esilungisekayo, izinga lenzalo lingashintsha noma kunini. Qiniseka ukuthi unokulondoloza ukuze ukwazi ukukhokhela ukukhuphuka kwezinkokhelo zakho uma amanani enyuka. Izindleko zokubolekwa kwemali eziguquguqukayo ziza ngezindlela ezahlukahlukene:

➤ Izinga Elijwayelekile Lokuntanta

Leli izinga lenzalo elivamile le mali ekhokhiswa umbolekisi wendlu yakho kubathengi. Izohlala isikhathi eside njenge-mortgage yakho noma uze uqedele omunye umsebenzi we-mortgage. Izinguquko kuzinga lenzalo zingase zenzeke ngemva kokwenyuka noma ukuncipha kwenani eliyisisekelo elibekwe iBhange.

Izinzuzo

inkululeko - ungakhokha kakhulu noma uhambe nganoma yisiphi isikhathi.

Okubi

Izinga lakho lingakhuphuka noma nini ngesikhathi semali mboleko.

➤ Izikweletu zesaphulelo

Lesi isaphulelo esilinganisweni esijwayelekile somboleki (TVS) futhi sisebenza kuphela isikhathi esithile, ngokuvamile iminyaka emibili noma emithathu. Kodwa kufanelekile ukuthenga nxazonke. I-TVS iyahluka phakathi kwababolekisi. Ngakho-ke ungacabangi ukuthi uma isaphulelo siphezulu, izinga lenzalo liyancipha.           

Izinzuzo

• izindleko - izinga liqala lishibhile, elizogcina izinkokhelo zanyanga zonke ziphansi;
• Uma umbolekisi ehlisa i-TVS yakhe, uzokhokha kancane njalo ngenyanga.

Okubi

• Ukwenza ibhajethi - umebolekisi ukhululekile ukuthi akhulise i-TVS yakhe nganoma yisiphi isikhathi
• Uma amanani esisekelo eBhange enyuka, cishe uzobona nokukhuphuka kwesilinganiso sesaphulelo.

Naka izimali uma ufisa ukuhamba ngaphambi kokuphela kwesikhathi sesaphulelo.

➤ Linganisa Izindlu Ezibolekiwe Ezilinganiselwe

Izinga lakho ngokuvamile liyashintsha nge-TVS yombolekisi. Kodwa i-cap isho ukuthi izinga alikwazi ukudlula izinga elithile.

Izinzuzo

• Isiqiniseko - izinga lakho ngeke lidlule izinga elithile. Kodwa qiniseka ukuthi ungakwazi ukukhokhela imbuyiselo uma ifika ezingeni eliphakeme.
• Kushibhile - izinga lakho lizokwehla uma i-TVS yehla.

Okubi

• Uphahla luvame ukubekwa phezulu;
• Izinga ngokuvamile liphakeme kunamanye amanani aguquguqukayo futhi angashintshi;
• Umbolekisi wakho angashintsha inani noma kunini lifike ezingeni eliphakeme.

➤ Izikweletu ze-Offset

Lokhu kusebenza ngokuxhumanisa i-akhawunti yakho yokonga kanye ne-akhawunti yamanje esikweletini sakho ukuze ukhokhe inzalo kuphela kulo mehluko. Usakhokha imali mboleko yakho njalo ngenyanga njengenjwayelo, kodwa ukonga kwakho kusebenza njengenkokhelo engaphezulu ekusiza ukuvala imali yakho yendlu ngaphambi kwesikhathi.

 ✔️ Indlela yokukhetha i-mortgage enhle?

Imakethe ye-mortgage inokuncintisana ngendlela emangalisayo futhi kungaba nzima ukuqonda kahle ukuthi yini okunikezwayo. Kukhona abahlinzeki abaningi abahlukene kanye nohlu olubanzi lwe imikhiqizo namanani atholakalayo. Ngakho-ke kuwumqondo omuhle ukukhuluma nebhange lakho kanye nedlanzana labeluleki abazimele bezezindlu.

Ababolekisi (imvamisa amabhange) kanye nabadayisi kufanele bakweluleke lapho betusa i-mortgage. Bazohlola ukuthi ingakanani imali ongakwazi ukuyikhokha, bebheka iholo lakho kanye nokukhokha izikweletu zakho kanye nezindleko zansuku zonke. Lokhu kusho ukuthi kufanele ugcine une-mortgage ehlangabezana nezidingo zakho.

Nakuba ababolekisi nabadayisi kufanele banikeze iseluleko cishe kuzo zonke izimo, ungase ukwazi ukukhetha ukwenqaba iseluleko futhi uthole idili lakho lemali yezindlu ezisekelwe ocwaningweni lwakho. Uma ukhetha eyakho imali yendlu ngaphandle kwesaziso, lokhu kubizwa ngokuthi isicelo. ukubulawa kuphela ".

✔️ Ngisifaka kanjani isicelo semali mboleko?

Ukufaka isicelo semali mboleko kuvame ukuba yizinyathelo ezimbili. Isinyathelo sokuqala sivamise ukubandakanya ucwaningo oluthile oluyisisekelo oluzokusiza ukuthi unqume ukuthi yimalini ongakwazi ukuyikhokhela nokuthi yiziphi izinhlobo ze(s) zemali mboleko ongase uyidinge.

Isinyathelo sesibili yilapho umbolekisi wezindlu ezokwenza ukuhlola okunemininingwane eminingi yokufaneleka futhi, uma engaceliwe kakade, ubufakazi bemali engenayo.

🎯 Isinyathelo sokuqala

Ngokuvamile, ababolekisi bazokubuza uchungechunge lwemibuzo ukuze banqume ukuthi hlobo luni lwemali mboleko oyifunayo nokuthi uyifuna isikhathi esingakanani. Bazozama nokunquma, ngaphandle kokungena emininingwaneni eminingi, isimo sakho sezezimali.

Lokhu kuvame ukusetshenziselwa ukunikeza inkomba yokuthi umbolekisi angase azimisele kangakanani ukukuboleka. Kufanele futhi bakunikeze ulwazi olubalulekile mayelana nomkhiqizo, isevisi yabo, nanoma yiziphi izinkokhelo noma izinkokhiso, uma zikhona.

🎯 Isinyathelo sesibili

Ngokuvamile yilapho uqala khona isicelo sakho. Umbolekisi noma i-mortgage broker uzoqala " ukutholakala kwamaqiniso » ukuhlolwa okuphelele nokunemininingwane yembewu, okuzodingeka unikeze ubufakazi beholo lakho kanye nezindleko ezithile, kanye “ ukuhlolwa kokucindezeleka » mayelana nezezimali zakho.

Lokhu kungase kuhlanganise imibuzo enemininingwane yezimali zakho nezinhlelo zesikhathi esizayo ezingase zibe nomthelela emholweni wakho wesikhathi esizayo. Bazophinde bahlole umthelela ezinkokhelweni zakho uma amanani enzalo enyuka esikhathini esizayo.

Uma isicelo sakho samukelwe, umbolekisi uzokunikeza “umnikelo obophayo” kanye nemibhalo enemifanekiso yemali mboleko echaza imigomo yemali mboleko yakho.

Lokhu kuzohambisana nesihloko esithi “ isikhathi sokuzindla »okungenani izinsuku eziyi-7, okuzokunikeza ithuba lokuqhathanisa futhi uhlole imithelela yokwamukela ukunikezwa kombolekisi wakho. Abanye ababolekisi bangakunikeza izinsuku ezingaphezu kwezingu-7 ukwenza lokhu. Unelungelo lokuyeka lesi sikhathi sokucabanga ukuze usheshise ukuthengwa kwekhaya lakho uma udinga.

Phakathi nalesi sikhathi sokupholisa, umbolekisi ngokuvamile akakwazi ukushintsha noma ukuhoxisa ukunikezwa kwakhe, ngaphandle kwezimo ezithile ezilinganiselwe.

✔️ Uyini umehluko phakathi kokubolekwa imali okulula nokubolekwa kwezindlu?

Igama elithi " loan »ingasetshenziswa ukuchaza noma yikuphi ukuthengiselana kwezezimali. Okwenziwayo lapho ingxenye eyodwa ithola isamba semali futhi ivume ukubuyisela lapho kukhokhwa inzalo.

I-mortgage wuhlobo lwemalimboleko esetshenziselwa ukuxhasa ngezimali indawo. I-mortgage wuhlobo lwemali mboleko, kodwa akuzona zonke izikweletu eziyimali ebolekiwe.

Izindlu ezibolekwayo ziyimalimboleko kuqinisekisiwe ". Ngemali mboleko evikelekile, umboleki uthembisa isibambiso kumbolekisi uma kwenzeka beyeka ukukhokha. Endabeni ye-mortgage, isibambiso yindlu. Uma uyeka ukukhokha imali ebolekiwe, umbolekisi wakho angakuthatha umuzi wakho.

🎯 Kafushane...

I-mortgage loan yimalimboleko esetshenziselwa ukuthenga indlu noma ukubuyisela kabusha i-mortgage. Ukhokha njalo i-mortgage ize ikhokhwe ngemva kwenani elithile leminyaka.

Ngokuqondile, i-mortgage yidokhumenti yomthetho evumela umbolekisi wakho ukuthi athathe indlu uma ungayikhokhi imali oyibolekile njengoba kuvunyelwene. Kwezinye izifundazwe, le dokhumenti ibizwa nge-trust deed.

Uma usuyikhokhile i-mortgage, ungumnikazi wendlu, noma " mahhala futhi icacile ". Ilungelo elingokomthetho lombolekisi lokukuphuca umuzi wakho liyashabalala.

Uma uqhathanisa le minikelo, khumbula ukubheka izimali zokuhoxa, kanye nezijeziso zokuphuma. Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukuvumela ukuba wenze kanjalo master ukuhweba ngehora eli-1 nje. Chofoza lapha ukuze uyithenge

Kuzo zonke izinto ezikukhathazayo, ngishiyele amazwana