Yintoni iMboleko yesiBini?
Imali mboleko yesibini ngumboleko osebenzisa ikhaya lakho njengesiqhekeza, efana nomboleko onokuwusebenzisa ukuthenga ikhaya lakho.
Imboleko iyaziwa ngokuba yi-"yesibini" yokubolekwa kwemali ngenxa yokubolekwa kwemali mboleko ngokuqhelekileyo umbolekiso wokuqala okhuselekile nge- home home .
Ukubanjiswa kwemali yesibini kuphephe kwi- equity ekhaya lakho , elixabiso lexabiso lemarike lakho kwikhaya elithile naluphi na matyala omboleko. Ukulingana kunokwandisa okanye kunciphise, kodwa ngokufanelekileyo, kukhula kuphela ngexesha. Ubulungisa bungatshintsha ngeendlela ezahlukeneyo:
- Xa wenza iintlawulo zenyanga ngenyanga mboleko yakho, uyanciphisa ibhalansi yakho yemali-mboleko, okwandisa ukulingana kwakho.
- Ukuba ikhaya lakho liyazuza ngenxa yeemakethe eziqinileyo zezindlu-okanye uphuculo olwenzayo ekhaya-ukulingana kwakho kwanda.
- Ulahlekelwa ngumlinganiso xa ikhaya lakho lilahlekelwa lixabiso okanye uboleka kwikhaya lakho.
Imali yesibini yokubambisa ingena kwiifom ezahlukeneyo.
Isamba semali: Umgangatho wesibini wemali mboleko ngumboleko wesikhathi esisodwa obonelela ngemali enokusetyenziswa kuyo nayiphi na into oyifunayo. Ngelo hlobo lokuboleka imali, uza kubuyiselwa ngokuthe ngcembe ngemboleko kwithuba elide, rhoqo ngokuhlawulwa rhoqo ngenyanga.
Ngentlawulo nganye, uhlawula inxalenye yeendleko zomdla kunye nenxalenye yemali yokubolekwa kwemali mboleko (le nkqubo ibizwa ngokuba yi-amortization ).
Umgca wekhredithi: Kwakhona unakho ukuboleka usebenzisa umgca wekhredithi , okanye idibanti yemali ongayifumana kuyo. Ngalo hlobo lokuboleka imali, awufuneki ukuba uthathe nayiphi na imali-kodwa unako ukhetho lokwenza njalo ukuba ufuna.
Umboleki wakho ubeka umda wokubolekisa, kwaye unako ukuqhubeka uboleke (amaxesha amaninzi) de ufikelele kumda ophezulu. Njengoko ngekhadi lesikweletu, unokuhlawula kwaye uboleka ngaphaya kwexesha.
Ukhetho lokubala : Ngokuxhomekeka kwimihlobo yemboleko oyisebenzisayo kunye nezinto ozikhethayo, umboleko wakho ungafika ngesantya esinomdla esinomdla esinceda ukucwangcisa iintlawulo zakho kwiminyaka ezayo. Iingxowa-mboleko zemilinganiselo ezikhoyo ziyafumaneka kwaye ziqhelekileyo kumigangatho yeebhanki.
Izibonelelo zeeNgxowa-mali eziBini
Isixa semali: Imali yesibini yokubolekwa kwemali ikuvumela ukuba ubole imali ebonakalayo. Ngenxa yokuba umboleko ugcinwa yikhaya lakho (okuqhelekileyo lifanele imali eninzi), unako ukufikelela kunokuba ungayifumana ngaphandle kokusebenzisa ikhaya lakho njengesiqhelo. Unokubaleka kangakanani? Kuya kuxhomekeka kumboleki wakho, kodwa unokulindela ukuboleka ukuya kwi-80% yexabiso lekhaya lakho . Esi sikhulu siza kubalwa zonke iimali-mboleko zakho zasekhaya, kubandakanywa nemali-mboleko yokuqala.
Amanqanaba omdla: Ukubanjiswa kwemali yesibini kubakho inzala engaphantsi kwezinye iintlobo zamatyala. Kwakhona, ukufumana mboleko ngendlu yakho kukunceda ngenxa yokuba kunciphisa umngcipheko kumboleki wakho. Ngokungafani neemali-mboleko ezingaqinisekanga ezifana namakhadi-mboleko, isantya-ntlawulo yesibini yemithwalo yemithwalo yemithwalo yemali ixhaphake ngokuqhelekileyo kwidijithi enye.
Iintlawulo zerhafu (ingakumbi ngaphambi ko-2018): Kwezinye iimeko, uya kufumana intlawulo ye-interest interest paid on second mortgage. Kukho ubuchwepheshe obuninzi bokuziqonda, ngoko cela umlungelelanisa wakho weerhafu ngaphambi kokuba uqale ukuthatha inqununu. Ukufumana ulwazi oluthe vetshe, funda malunga nokutsalwa kwenzala . Kwiminyaka yerhafu emva ko-2017, uMthetho wokuThuthwa kweRhafu kunye neMisebenzi usuphelisa ukunqunyulwa ngaphandle kokuba usebenzise imali "yokuphucula okukhulu" kwikhaya.
Iingxaki zeeNgxowa-mali eziBini
Iinzuzo zihlala ziza kunye nee-tradeoffs. Iindleko kunye nobungozi kuthetha ukuba le mboleko kufuneka isetyenziswe ngokuhlakanipha.
Ingozi yokuchithwa kwempahla: Enye yeengxaki ezinkulu kwi-mortgage yesibini kukuba kufuneka ubeke ikhaya lakho kumgca. Ukuba uyeka ukwenza iintlawulo, umnini-mboleko wakho uya kukwazi ukuthabatha ikhaya lakho ngokusebenzisa ukuchithwa kwempahla , oku kunokubangela iingxaki ezinzulu wena kunye nosapho lwakho.
Ngenxa yeso sizathu, akunakwenzeka ukuba kusetyenziswe i-mortgage yesibini "iindleko zokusetyenziswa kwamanje". Ukuzonwabisa kunye nezindleko zokuhlala ngokuqhelekileyo, akusigcinanga okanye kulungele umngcipheko wokusebenzisa imali mboleko yemali.
Iindleko: Ukubanjiswa kwemali yesibini, njengemali yakho yokuthenga, kunokubiza. Uya kufuneka uhlawule iindleko ezininzi ngezinto ezifana nokuhlolwa kwekhredithi, ii- appraisals , iimali zokuqala , kunye nokunye. Iindleko zokuvala zingabongeza kalula ukuya kumawaka eedola. Nangona uthembisa ukuba akukho "mboleko yokuvala ", uhlala uhlawula-awuboni nje ezo ndleko.
Iindleko zomdla : Naliphi na ixesha uboleka, uhlawula umdla . Imilinganiselo yesibini yokubambisa imali isezantsi kunexabiso lekhadi lokuthenga ngetyala, kodwa zihlala ziphakame kakhulu kunezinga lakho lokubolekwa kwemboleko. Ababolekisi bemali yesibini bafumana ingozi ngaphezu komboleki owenzele imali yakho yokuqala. Ukuba uyeka ukwenza iintlawulo, i-second mortgage lenderer ayiyi kuhlawulwa ngaphandle koko kwaye kude kube yilapho umnini-mali oyintloko efumana yonke imali yawo. Ngenxa yokuba le mboleko inkulu kakhulu, iindleko zenzalo ezipheleleyo zingabaluleka.
Ukusetyenziswa ngokuqhelekileyo kweeNgxowa-mali eziBini
Khetha ngokuhlakanipha indlela osebenzisa ngayo imali kwi mboleko yakho. Kungcono ukubeka loo nto kwizinto eziza kuphucula umthamo wakho (okanye ixabiso lekhaya) kwikamva. Uya kufuneka uhlawule le mboleko, ayingozi, kwaye ibiza imali eninzi.
- Uphuculo lwasekhaya lukhetho oluqhelekileyo kuba ukucinga kukuba uya kubuyisela imali mboleko xa uthengisa ikhaya lakho ngexabiso eliphezulu lokuthengisa.
- Ukukhusela i-inshurensi yangasese yemali ye-mortgage (PMI) inokuthi inokwenzeka ngokudibanisa nemboleko. Umzekelo, isicwangciso-mboleko se-80/20 okanye i-"piggyback" mboleko isebenzisa i-mortgage yesibini ukugcina umlinganiselo wakho wexabiso-mboleko kwi-80% kwi-mboleko yakho yokuqala. Qinisekisa ukuba kunengqiqo xa kuthelekiswa nokuhlawula-kwaye ukhansele-PMI.
- Ukuhlanganiswa kwamatyala: Unako ukufumana isantya esezantsi nge-mortgage yesibini, kodwa unokutshintshwa kwimali-mboleko engaqinisekisiwe kumboleko onokukuhlawula indlu yakho.
- Imfundo: Unako ukukwazi ukuzibekela imali engenayo. Kodwa njengakwizinye iimeko, udala imeko apho unokujamelana nayo. Khangela ukuba iimali-mboleko zomfundi eziqhelekileyo ziyindlela efanelekileyo
Iingcebiso zokufumana iNgxowa-mali yesiBini
Thengeza uze ufumane izicaphuno ukusuka kwimithombo emithathu eyahlukileyo. Qinisekisa ukuba uquka ezi zilandelayo ekufuneni kwakho:
- Ibhanki yendawo okanye umanyano wekhredithi
- Umthengisi wemboleko okanye umboleki wemali-mboleko (cela i-arhente yakho ye-real estate iziphakamiso)
- Umthengisi we- intanethi
Yilungiselele inkqubo ngokufumana imali kwindawo efanelekileyo kwaye ulungele ukufumana amaxwebhu akho. Oku kuya kwenza inkqubo ibe lula kwaye ingacindezelekanga .
Qaphela izinto ezibolekileyo zemboleko . Uninzi lwemali mboleko alinayo le ngxaki, kodwa kukufanelekile ukugcina iso kubo.
- Iintlawulo zeBhalon eziza kubangela iingxaki phantsi kwendlela
- Izigwebo zokuhlawulwa kwangaphambili ezicima iintlawulo zokuhlawula ityala lakho ekuqaleni