Unokuthatha imali yokubuyisela imali emva kokuba uneminyaka engama-62 ubudala.
Yintoni iMali yokuThengisa iMali?
Imboleko yokubuyisela imali ithatha ubulungisa kwindlu yakho kwaye isebenzisa le nto ukudala inzuzo yakho ngefomu enye okanye ezininzi iintlawulo. Iintlawulo zisekelwe kwinqanaba lobulungisa bekhaya lakho. Ingaba yindlela epholileyo kunye neyomeleleyo yokuthatha imali oyityala kuyo ekhaya njengemali.
Ngaba iMboleko yokuThengisa iNgcamango efanelekileyo?
Kuzwakala ngathi yingcamango enhle kubantu abaninzi, kodwa kukho imicimbi eninzi enokubakho imali ekufuneka uyenze ngayo ngaphambi kokuba ungene ngemvume kulolu hlobo lwesilungiselelo. Ukuba i- pros ixhomekeke kwingxaki yokufumana imali yokuboleka imali kunye neemeko zakho zenze ukuba kubekho okulungileyo kuwe, ngoko unokukhangela ekukhethweni kwe-inshurensi yokuthenga imali.
Iintlobo zeeNgxowa-mali zangaphandle
Kukho iintlobo ezininzi zeekhredithi zemali :
- Imali-mboleko ye-reverse-reverse
- Imali mboleko yokubuyiswa kwempahla
- Imali-mboleko ye-Equity Bank (ii-HECM)
Ngaphambi kokuthatha isigqibo malunga nohlobo oluthile lwemali efunayo, kufuneka uqwalasele iindlela ezahlukeneyo kwaye qinisekisa ukuba unokwenza ukuba inqanaba lesenzalo okanye elitshintshileyo lisebenze kangcono kuwe, kunye nokuba ngaba uya kuzuza ngokubanzi kumgca wekhredithi , ukuhlawula isamba semali okanye "ukuhlala" okukhethileyo isibonelelo kwizitolimende.
Iiseshoni zolwazi zabathengi zinga kunika ngolwazi olungabonakaliyo olunokukunceda kwinkqubo yakho yokuthatha isithwathwa.
Ukuqonda iMingenage Reverse and Requirations
Xa uthengisa umninimzi we-inshurensi yomnini enye yezinto ozibonelela ngenkampani yakho yomshuwalense kunye nolwazi lokuthenga imali yakho. Kungadanisa ukuqonda umahluko phakathi kokukhusela i-inshurensi yasekhaya yokhuseleko lokukhusela imali kunye nokukhusela i-inshurensi yokukhusela i-mortgage ngenxa yokuba bobabini malunga ne-mortgages, kodwa awufihla into efanayo.
Ngaba Ufuna i-Intshurensi yokuThengiswa kweMali yoNyaka xa usenayo umninimzi we-Ininshurensi okanye i-inshurensi yemali?
Ukuze siqonde lo mbuzo, simele sibone ukuba yintoni umgaqo-nkqubo ngamnye we-inshorensi uquka:
- Umninimzi weNkxaso-mali
- Insurance Insurance
- I-inshurensi yoMhlala-phantsi
Yintoni uMnini weNkampani yoKhuseleko weNkxaso-mboleko ye-Inthanethi?
Ininshurensi yabanini-makhaya yongeza isigatya kumgaqo-nkqubo obiza ngebhanki yakho yokuboleka okanye umniki-mboleko njengomntu ogunyazisiweyo ogqityiweyo kumgaqo-nkqubo . Isizathu salokhu ke ukuba xa indlu ishisa, okanye isakhiwo sonakalisiwe kwaye usenokuhlawulwa ngemali kwi-mortgage, umniki-mboleko uya kufuneka asayine kuwo nawaphi na amabango ahlolwayo afunyenwe ukulungiswa kwale monakalo ukuqinisekisa ukuba isakhiwo siyilungiswa kwaye sakha kwakhona .
Oku kukukhusela umdla wabanini-mali kwipropati. Kuze uhlawule imali yakho yokuboleka imali, bengabanikazi benxalenye kwipropati.
Yintoni Inqwelo-mali yokuThengisa?
Intshuwalense ye-Mortgage okanye i- Private Mortgage Insurance ibandakanya isixa-mboleko esikweleta umboleki. Unokuthenga i-inshurensi yokubolekwa ngempahla ngokusebenzisa umboleki-mali, okanye unokukwazi ukukhetha i- inshorensi yobomi besikhashana . Ngokuxhomekeke kwimeko yakho, umgaqo-nkqubo womshuwalense wobomi okhoyo kunye nexabiso elaneleyo lokuhlawula amatyala akho kufuneka uhlaziywe njalo nomcebisi wakho wezezimali ngaphambi kokugqiba ekuthengeni i-inshorensi. Umcwangcisi wezemali unokukunceda uhlaziye ukuba zeziphi iimfuno zakho ezisekelwe kwimeko yakho.
Ingakanani Imali onokuyifumana kwi-Mortgage Reverse?
Esinye seziganeko ezenza ukuba umninikhaya anakho ukufumana imali evela kwi-mortgage engenayo yimivuzo leyo umninikhaya kufuneka ahlawule njengenxalenye yemali yokuboleka imali.
I-inshurensi ye-mortgage ye-mortgage enye yee ntlawulo.
Intshurensi yokubolekwa ngemali yindlela yokubolekisa imali yindlela yokubolekisa ngemali yokubuyisela imali ukuze kuqinisekiswe ukuba ihlawulwe ngokupheleleyo xa ukulingana kwindlu kuphelile ukuba akunakwanela ukukhawulela into ebolekelwe kwisilungiselelo sokuboleka imali.
Ngaba akuyiyo iMali kwiGrant Guarantee yaseKhaya yeLender Mortgage Lender?
Ukulingana kwasekhaya ngokuqhelekileyo kubheja olungileyo kwi-mortgage lender, nangona kunjalo, kusekho iingozi ezingaphaya kolawulo lomboleki kunye nomboleki onokubeka ixabiso lomboleko kumngcipheko. Isizathu esivakalayo sincipha kwixabiso lekhaya. Ukusukela kwimali yokuboleka imali, umbolekisi uhlawulwa yixabiso lekhaya xa kuthengiswa, ukuba ngenxa yezizathu ezithile ixabiso lepropsi liyancipha ke lowo umbolekisi akayi kuzuza yonke intlawulo kwaye uza kusebenzisa i-inshorensi yokuthenga umninikhaya ohlawulelwa phambili kwimali yokubolekwa kwemali yokuqala ukuze athole yonke inkokhelo yabo.
Yiyiphi i-HIPM ye-HECM yeNgeniso ye-Mortgage Insurance?
Amanqaku e-Mortgages Conversion (E-HECM) asekhaya asetyenziswa yimali -mboleko ye-inshorensi yomhlala-phantsi iya kuquka intlawulo ye-inshurensi ye-mortgage (MIP) ekupheleni kunye ngonyaka.
Ngaba Unako Ukukhansela Imboleko Engenayo?
Kwiimeko ezininzi xa usayinela imali ehlawulwayo, unokufumana ilungelo "lokumisa." Ngokuxhomekeka kwimali mboleko, oku kunokukuvumela ukuba ukhansele imali yokubolekisa imali xa wenza njalo kungakapheli iintsuku ezi-3 zokusayina. Ngaphambi kokwenza naziphi na izigqibo ziqiniseke kwaye zihlolisise zonke iinketho zakho.
Ngaba iMali yokuThengisa iMali kuphela yindlela ekukhethiweyo xa uhlahliselwe imali?
Ukuthatha imali yokubuyisela imali ngokukodwa kukuthatha isigqibo sokusebenzisa ubulungisa owakhileyo ekhaya ukuba uqale ukuxhaswa ngemali yakho yomhlalaphantsi, okanye ezinye iinkalo zobomi bakho, Khumbula oku kukunciphisa ixabiso lakho lempahla kwaye akuyiyo yodwa inketho.
Ukuhlawula izibonelelo zeMpahla yokuThuthukisa ukuNcedisa Ukwenza isigqibo esifanelekileyo
Ukuba unqatshelwe ngenkokhelo ngemali, i-mortgage mortgage ayinakukwazi ukusombulula zonke iingxaki zakho kuba uya kusenokwenza ukugcinwa kwepropati, kwaye uza kuhlawula ezinye iindleko zomnini. Imibutho emininzi inikezela ngolwazi oluncedo kunye nezibonelelo ukunceda ukhangele iinqunto zakho. Ngaphandle kokubonisana nabacebisi ngezemali kunye nabachwephesha abathembekileyo, nantsi iinqununu ezincinci ukuba uhlolisise kwakhona: I-Bhujethi yeMali yokuThengwa kwezeMali kunye neProjekti yokuPhathwa kweMpahla yokuThengisa iMali .