Indlela amalungiselelo-mboleko?

Abantu abaninzi kweli lizwe ucinge ukuba indlela amalungiselelo-mboleko. Kodwa ngaphambi kokuba ukuba kuyimfuneko ukuqonda kakuhle eli gama. Kubonakala ukuba mortgage oyintsobi ezibolekisa ixesha elide, nto leyo ebonisa ubukho izibambiso enkulu, ingakumbi ngokohlobo impahla umxumi emazifunwe. Kwilizwe lethu, olu hlobo kubolekisa uye waqalisa indlela yophuhliso de-1998 yaye ngoku omnye ethandwa kakhulu.

Oku akumangalisi, kuba kule meko imaxongo yezoqoqosho, kunzima ukuba uthenge indlu, ingakumbi izibini abaselula. Ngoko ke, iintsapho sebeqala ukuzibuza ukuba amalungiselelo indlela mboleko. Ngomhla umba ukhetho kwesikim semboleko kungumba obalulekileyo ekukhetheni i-iimeko eziya kuba yingenelo kuzo zombini umbolekisi kunye obolekayo. Ngokutsho imithetho ibhanile mboleko singakhutshwa isithuba seminyaka emi-5 ukuya 25, lo gama kwiimeko ezininzi izigulana ezo kufuneka abe imali njengoko intlawulo yokuqala ekufuneka ihlawulwe. Oku kucingwa ukuba ubungakanani ongama-10% yesixa efunekayo ukuthenga indlu. Ngokuqhelekileyo, iibhanki abize inzala bume, kuxhomekeka kwimali-mboleko kunye ixesha lokususwa.

Eseleyo emva kokuba kuhlawulwe imali izavenge yokuqala iya kusasazwa ukuba ixesha lonke ngohlobo kweentlawulo ngamaxesha. Ngokuqhelekileyo, iintlawulo kufuneka kufakwa ebhankini nyanga zonke. Xa ucinga ukuba amalungiselelo indlela sokubambisa, umthengi kufuneka bazi ukuba unelungelo lokukhetha ngokwengqiqo ezabo iintlawulo zawo ngamaxesha inkqubo accrual. Kukho iindlela ezimbini eziphambili: Annuity ngokwahlukeneyo. Ngokutsho yokuqala, imali ityala zisasazwe ngokulinganayo kuwo onke amaxesha. Yaye indlela enomahluko yenyanga nganye isixa iintlawulo kuya kuba ngaphantsi kwe ezidlulileyo. Uyacetyiswa ukuba ukhethe indlela yokuqala, njengoko iya kunika umthengi uzinzo ethile, ukongeza akayi kuba iindleko ezigqithileyo kule minyaka yokuqala.

Akumangalisi ukuba ibhanki nje inkonzo ohlawulayo wathabatha ingqalelo kwesicelo sokuthenga ngetyala okanye ukuvula i-akhawunti. Yinto inkqubo standard, apho kuyimfuneko ukulungiselela iindleko zolawulo kwiziko lamatyala. Ngoko ke, njengenyathelo lokuqala indlela yokuthenga izindlu ngezavenge ngamagqwetha ukuqokelela ulwazi kunye ukubhalwa iminqweno yabo. La maxwebhu ukuze mboleko ukuze ziqokelelwe ngokupheleleyo kwaye zenziwe kakuhle. Kuza kufuneka ifom isibhengezo ukugcwalisa enika umsebenzi ebhankini, ikopi amaphepha eziphambili yesazisi, okt ipasipoti (kwaye, kakade, loo original). Ukongeza, onke amaxwebhu afunekayo ukuze propati efunekayo ukuze kungeniswe ikopi yerekhodi emsebenzini kunye neengeniso ingxelo, ngenxa ngokusekelwe kula maxwebhu umbolekisi yenza isigqibo malunga bona yamkelwe isicelo kunye ikhono umxhasi ukuhlawula ityala ngexesha. Eminye imibutho, echaza ukuba amalungiselelo njani mortgage kuba yokuhlala, uluhlu umgangatho isiqinisekiso oluncedisanayo ye pension kunye ne-inshorensi yezempilo, umtshato okanye uqhawulo-mtshato, kwaye nkqu mvume lokuqhuba.

Ukuba, emva kokuqwalaselwa kwesicelo ebhankini ikhupha kwisigqibo entle, kufike kwinqanaba elilandelayo, lona wenza isivumelwano ukuthenga nokuthengisa. Njengomgaqo, ngoko ke kufuneka ukuba uhlawule ibhanki, okt ukuba ahlawule intlawulo yokuqala. Kodwa unako ukufumana inkqubo iquka ukungabikho kwayo. Amanye amaziko abolekisa bakufumanisa kuyimfuneko ukuba aveze inshorensi propati, njengoko oku kunciphisa amathuba ubuqhophololo.

Emva esihambelana nazo zonke eziya kwenziwa ukusayinwa ngetyala kwaye isivumelwano, indlu, yaye emva kweentsuku ezimbalwa kwezithobekileyo yokwenene umthengisi uya kufumana imali efunekayo. Le ngasentla ke imithetho esisiseko ukuqonda ukuba amalungiselelo indlela mortgage uze ube ngiyaziqhenya amakhaya abo.