Mortgage reverse

Ngomhla imarike yeentengo zemboleko kwiminyaka yakutshanje, isixhobo esitsha - "mortgage umva", iprogram anganika umhlala, abantu ithuba abaneminyaka ukuphucula iimeko apho ubomi, ngenxa yokuba impahla yabo ekhoyo.

Ngokutsho isivumelwano sokubambisa akananto reverse na izindlu ezithengiswayo, ibekwe izakhono mboleki kule propati. Ukuhlola kuye, ibhanki ibonelela mboleko ukuba kunokwenzeka inani eliphezulu ngokwabo. Kamva ezindlini kuqiniswe sithengise uze uhlawule imali-mboleko. Kusenokwenzeka ukuba uya kuba kunokwenzeka ebhankini ngendlela ukuhlawula imali ngokupheleleyo, kulo mzekelo, uza ukunceda urhulumente - byi umahluko. Ukongeza nokuthengiswa real estate akananto, kukho nezinye iimeko ukubuya mboleko enjalo.

A mortgage reverse Ifanele ingakumbi xa kukho imali encinane kakhulu omvuzo okanye pension, okanye xa umboleki na bantwana.

ukubolekisana Consumer yenzelwe, gxebe, ukuba ukuhlangabezana neemfuno zabemi yokusebenza-ubudala. Ke mboleko umhlala, kolube thembela yokuba amaziko amatyala baya kunikwa, omnye mhlawumbi akufanele. Singasathethi ke ukuba imbuyekezo 'abolekiweyo' imali ngomyinge wenzala ebhankini kubo ngaphezu nzima.

Kodwa "ngasemva" inkqubo umhlala kukho nkqu ndikhethe phakathi kufumana isixa esikhulu ngoko nangoko ezingalweni zakhe, okanye ukuzamkela ngenyanga (icace phandle embi ukwanda imali).

Bank njengenye nxaxheba kule nkqubo unika imali, aze angawamkeli, yaye kutheni ibizwa ngokuba ingxelo. A mortgage emuva umahluko obalulekileyo ukusuka yamandulo - akudingi isondlo kuba nenzala ethe ukuba ukusetyenziswa kwemali ngokuzenzekelayo ziyakongezwa kwimali yetyala.

Kuyaphawuleka ukuba, ngokuthatha inxaxheba kule nkqubo, umnini gqolo ukuhlala kwigumbi lakhe. Isikakhulu kubaboleki akhuselwe ukusuka iwuthimbe lo indlu xa emiselweyo logama nje:

• ubuncinane omnye wamalungu osapho umhlala phantsi, ngokusisigxina ebhaliswe indlu, isaphila;
• obolekayo iintlawulo ezahlukeneyo ezithengiswayo, kubandakanywa iirhafu kunye ne-inshorensi.

Ndimele ndithi ukuba ufumana iintlawulo zenyanga kwi -mboleko, ilungu elidla umhlala phantse ufumana uninzi, ukuba ixabiso ngokupheleleyo wepropati mortgaged. Oku kuthetha ukuba emva kokuba indlu ziya kumiliselwa, impahla ilifa kuncitshiswa izihlandlo eziliqela okanye shwaka.

Mhlawumbi umntu esikhumbuza reverse mortgage annuity. Kodwa musa ukusondela kwizigqibo. Xa ubomi annuity transfers umntu omdala komnye umbutho okanye umntu ilungelo impahla yakhe afumane uncedo lwemali ngokwasemzimbeni. Isivumelwano esinjalo kwakuthetha intlawulo ebomini kwemali umdla zomntu ithathe le misebenzi. Kwaye akukho nto amadoda amadala bayoyika ukuba wenza umnqophiso kunye nawo, ukuze ube nomdla kwindlela ndidlulayo ngokukhawuleza "kwiiwadi 'yakhe.

Phantsi icebo mortgage reverse ebhankini, phezu koko, banomdla kangangoko kunokwenzeka elide nobomi obolekayo nobolekwayo, kunye nokukhula imali nenzala yetyala. Asinako ngaphandle kwento yokuba mboleki okanye omnye izalamane zakhe, abuyisele ngetyala, ukubuyisela amalungelo abo indlu.

Le nkqubo kungenzeka ukuba ibe ngaphezulu ezifunwayo kwisangqa ngokupheleleyo abadla elilolo kunye ezindlini ezincinane. Kwezinye iimeko, kukho ezinye iindlela ukungenisa imali eyongezelelweyo, ezifana:

• ukutshintsha i indawo yokuhlala, ukuba indawo ezincinane,
• abaqashileyo endlini yakho ukuba irente kunye namanye amagumbi irenti, ukuba indawo ezincinane,
• uncedo kwizalamane, iindlalifa elizayo, njl

Kuba kurhulumente, kuba sokubambisa kuluncedo, njengoko siyeka imisebenzi yakhe yokunikela inqanaba umhlala abahlala kwizakhiwo zorhwebo, nto leyo ke bazithwale,, ngenxa zokuhlala, uhola umhlalaphantsi.