Le pesenti isezantsi ye-mortgage: nobubi

Umba yezindlu kubantu abaninzi, ingakumbi iintsapho abaselula, kakhulu sibi. Bambalwa abantu imali eyaneleyo yokuthenga izindlu zabo, ngaphandle kokubhenela lokufumana iinkonzo ebhankini. Ngoko ke, kuba abantu abaninzi ukuphucula iimeko zabo zokuhlala, imveliso iba-mboleko. Yintoni ipesenti kuza kufuneka ahlawule ixhomekeka kuhlobo mortgage ukuboleka kunye neemeko ezithile kwiziko lamatyala.

Oko umele ukwazi ngaphambi kokuba lixele ibhanki

Njengomgaqo, wonke umntu kwindawo yokuqala ujonge ngomyinge wenzala, yaye kuphela emva koko ukhethe i mboleko ukuba uyahlangabezana ixesha kunye nemali yentlawulo phantsi. Kodwa mortgages ezisezantsi-inzala zifihla iimeko ezisisiseko emiswe yibhanki. Le iquka ikhomishini kunye nemirhumo ezahlukeneyo. Ngenxa yokuba, nokwenyusa ukutsala amaziko credit abathengi ukuyibalekela ezi meko, isivumelwano kufuneka ifundwe ngenyameko phambi kokuba angene yingisela.

Indlela ukufumana mortgage kunye namazinga enzala asezantsi

Kukho iimeko ezahlukeneyo ezinokuthi ukunceda umboleki ukufumana ezantsi umyinge wenzala kwi mboleko.

• Ukuba umboleki ngaphambili isicelo kwiziko abolekisa ethile kwaye ithe yamilisela ngokwalo njengomxumi enokuthenjwa, unako ukubala ngokwemimiselo kakuhle ngakumbi. I-Bank ukulungele ukunika izaphulelo ezithile umntu ogama ekuthembekeni kunye yokuhlawula amatyala wathi. Intsebenziswano elolu kuyingenelo zombini umxhasi kunye ebhankini, ukusukela wokuqala ukubala usoloko isaphulelo ethile, kwaye eyesibini iba umthengi rhoqo.
• Izaphulelo okanye indlela yokukhuthaza linganikezelwa abasebenzi inkampani, i umxhasi loshishino le bhanki.
• Ukuba umxhamli uthenga indlu umphuhlisi, nto leyo iqabane ebhankini, ukubolekwa sokubambisa kwakhona ngezaphulelo ezithile ukuze anikwe.
• Xa ipesenti liphantsi ngumthengi mortgage banokulindela, leyo ecaleni isicelo ebhankini njengoko intlawulo phantsi ukwenza i-30% yetotali yexabiso lwepropati. Oku kubonisa ubuchule zabathengi ukuhlawula, kwaye ibhanki ngokwayo usengozini lodibaniso ezincinane. Ngoko ke, umbolekisi ukulungele ukuthoba izinga lenzala. Kakade ke, lo mboleki kufuneka banike ubungqina ubuchule bakhe ukuba ahlawule.

Types of iinkqubo mortgage

Ngoku, kukho abantu abaninzi iinkqubo mortgage yokubolekisa ezifundiswa kwiibhanki ezahlukeneyo. Kukhethwa inikwa abo ipesenti liphantsi mortgage. Kodwa zonke iimeko zivuma, njengoko kulindelekile. Ngokomzekelo, ibhanki omnye ukulungele ukunika mortgage kangangeminyaka engama-30, intlawulo yokuqala nto-10% yeendleko zizonke kwezindlu ezithengiweyo. Izinga kulo mzekelo ziya kuba malunga nama-13%. Ukuba igama mboleko yancitshiswa ukuya kwiminyaka-10 kwaye njengedipozithi intlawulo phantsi kwe-50% yexabiso yezindlu, umlinganiselo iya sele kuba ngaphantsi kancinane kwama-11%.

Kuba abantu abanemivuzo ephantsi, kodwa abafuna ukwenzelwa izindlu, kukho iinkqubo ezithile zentlalo. Phantsi iinkqubo ezinjalo, uxanduva lokuhlawula lokuqala kuthwalwa nguRhulumente. Ngokuxhomekeke kwiimeko, loo zesixa sentlawulo yokuqala kunokuba ukuya kwi-40% yeendleko kwezindlu. Ngelo uncedo enye evela kurhulumente ukuze ubale abantu abangabakhe kumaqela athile abantu - iintsapho abatsha kunye nabasebenzi zomkhosi. Kwakhona iinkqubo ezikhethekileyo.

Njengoko iintlobo iinkqubo mortgage afumaneka ebhankini, nto leyo icetyelwe ukuba athathe imali-mboleko.

Yintoni na mortgages inzuzo

Ukutsala abathengi abaninzi, ezinye iibhanki zinika nezivumelwano zokubambisa akukho ntlawulo phantsi. Okwangoku, kukholelwa ukuba nezivumelwano zokubambisa inzuzo. Kodwa ayizuze kukho inani elithile iimfuno. Ezi ziquka:

1. Umboleki kufuneka ilifa izinto zexabiso leyo kusala njengedipozithi xa usenza mboleko mboleko.
2. Ingeniso udibaniso lwamaxabiso umboleki, eyenza olu hlobo lwe-mboleko mboleko, kufuneka ibe ngaphezulu kuno xa usenza-mboleko kunye intlawulo phantsi.
3. Property ezifunyenwe yi umboleki, uya enxulumene kwimarike yesibini.

Ukuba yonke imiqathango ithotyelwe, lowo ubolekayo bangalindela ukufumana mortgage kungekho ntlawulo phantsi.

Kodwa kwakhona kufuneka siyivuyele ingqalelo ezinye iinkalo olu hlobo yokubolekisa ngemali. Ukuze umbiyele imingcipheko zabo, ibhanki inganikeza ukulungiselela impahla inshorensi wathenga ezongezelelweyo, kwakunye ubomi kunye nempilo. Ngoko ke, sikhetha mortgage kakuhle ngaphandle kwentlawulo phantsi, kufuneka ilungiswe indlela iimfuno engqongqo amaziko ngetyala.

Xa ndiqukumbela, sinokuthi xa ukhetha ukuthatha ngaphandle-mboleko, kufuneka ngenyameko ndikunyibilikise ukuhlolisisa zonke iinketho ezifundiswayo. Koko ithuba lokuba bafumane mboleko elilungileyo kunye mortgage umdla lisezantsi ziya kuba phezulu.