Ingeniso-mboleko kuphela eSebenza ngawe?

Nazi iingozi ezifihlakeleyo

Imboleko-mboleko kuphela yintengo ebolekiswayo yokuthengisa imali evumela ukuba umntu obolekayo akhokhe umyinge wenzala kwiminyaka embalwa yokuqala. Ngokuqhelekileyo isilinganiselo esiphantsi se "teaser". Intlawulo iphakama kwaye iwa ngezinga leLibor . ULibor umele i-London Interbank Offering Rate. Ixabiso lebhanki lihlawulana ngemali-mboleko yesikhashana. Ukuba iRIBOR iphakanyiswa, kunjalo nenzala yentlawulo.

Ukuba "izinga lokulinganisa i-teaser rate" lithuba lokuqala lihlala linye, emithathu, okanye emihlanu iminyaka.

Emva koko, umboleko uguqula kwi- mortgage evamile . Umyinge wenzalo unokunyuka. Inkokhelo yenyanga kufuneka ifake enye ye nqununu. Oku kwandisa intlawulo enkulu. Ezinye iimali-mboleko ezifunwa ngumdla-mali zifuna umboleki ukuba akhokhe lonke ibhalansi emva kwexesha lokuqala.

Iingeniso-mboleko kuphela ezibizwa ngokuba zibolekayo nazo zibizwa ngokuba yimali-mboleko yangaphandle kunye neengxowa-mali zangaphandle. Ngamanye amaxesha babizwa ngokuba yimali-mboleko ye-subprime nangona bebengabhekanga kuphela kulabo abaneengxelo zemali-mboleko ezincinci.

Izibonelelo ezintathu

Inzuzo yokuqala kukuba iintlawulo zenyanga zenzalo-mboleko kuphela eziphantsi kweyona mboleko eqhelekileyo. Okuvumela ababoleki ukuba bafumane ikhaya elibiza kakhulu. Oku kusebenza kuphela ukuba umntu obolekayo uceba ukwenza iintlawulo eziphezulu emva kwexesha lokuqala. Ngokomzekelo, abanye bakhulisa ingeniso yabo ngaphambi kokuba ixesha lokuqalisa lifike. Abanye bacwangcisa ukuthengisa ikhaya ngaphambi kokuba iboleji iguqulwe.

Ababolekileyo abaseleyo bahlaziya umboleko omtsha kuphela. Kodwa oko akusebenziyo ukuba ixabiso lentengo livukile.

Inzuzo yesibini kukuba umntu obolekayo unokuhlawula umhlala-mboleko wenzalo kuphela kunomboleko oqhelekileyo. Iintlawulo ezongezelelweyo ziya ngqo ngqo kwinqununu kwimali-mboleko yomibini. Kodwa, ngomboleko-mboleko kuphela, inqununu engaphantsi ke ivelise intlawulo encinane kwinyanga nganye.

Kwimali-mboleko eqhelekileyo, inciphisa inqununu, kodwa intlawulo yenyanga ihlala yinto efanayo. Abbolekayo banokuhlawula ngokukhawuleza imali mboleko, kodwa abayifumani inzuzo de kube sekupheleni kwexesha lemboleko. Imboleko-mboleko kuphela ivumela aboboleki ukuba bafumane inzuzo ngokukhawuleza.

Inzuzo yesithathu yinto eguquguqukayo yokubolekwa kwemali-mboleko kuphela. Ngokomzekelo, ababoleki bangasebenzisa nayiphi na imali eyongezelelweyo, ibhonasi okanye iphakamisa, ukufaka isicelo kwinqununu. Ngaloo ndlela, abaqapheli umehluko kwimilinganiselo yabo yokuphila. Ukuba balahlekelwa yimisebenzi okanye baneendleko zonyango ezingalindelekanga, bangabuyela ekuhlawuleleni umlinganiselo wenzalo. Oku kwenza umboleko-mboleko kuphela ophezulu kumboleko oqhelekileyo wabaphathi bezemali abaqeqeshwe.

Iintlekele ezintathu

Okokuqala, iimali-mboleko zenzalo kuphela ziyingozi kubabolekayo abangaqapheli ukuba mboleko iya kuguqula. Ngokuqhelekileyo abanako ukufumana intlawulo ephakamileyo xa "i-teaser rate" iphela. Abanye abanako ukuqonda ukuba abanalo ubulungisa ekhaya. Ukuba bayayithengisa, abafumani nto.

Isalathiso sesibini senzeke kulabo ababala umsebenzi omtsha ukufumana intlawulo ephezulu. Xa loo nto ingabonakali, okanye ukuba umsebenzi okhoyo uphelalala, imali ephezulu yintlekele.

Abanye banokucwangcisa ukuhlaziya. Kodwa ukuba inzala yenzalo, ayikwazi ukuhlaziya, nokuba nayo.

Ingozi yesithathu kukuba ixabiso lezindlu liwa. Oku kubiza abanini bezindlu abaceba ukuthengisa indlu ngaphambi kokuba iboleji iguqulwe. Ngo-2006, abanini bezindlu babengenakukwazi ukuthengisa, kuba imali yokuboleka imali yayingaphezulu kwezindlu. Ibhanki iyakunika kuphela ukuhlaziywa kwexabiso elitsha, xabiso eliphantsi. Abanikazi bezindlu abangenakho ukufumana intlawulo ekhutshiweyo baphoqeleka ukuba bangagqibekanga kwi-mortgage. Imali-mboleko-kuphela yenzalo-mali yayiyimbangela enkulu abantu abaninzi balahlekelwa amakhaya abo.

Iintlobo

Kwakukho ezininzi iintlobo zemali-mboleko yangasese esekelwe kumzekelo wenzalo kuphela. Uninzi lwalo luye lwadalwa emva ko-2000, ukunyusa imfuno yee- mortgage eziphantsi . Kungenxa yokuba iibhanki zaqala ukuxhaswa ngemali-mboleko yazo kunye neziqinisekiso zokubambisa imali . Ezi zinto zithandwa kakhulu zenza iimfuno ezinkulu ze-assets assets.

Enyanisweni, le mboleko-kuphela yenzalo-mboleko iyinxalenye ye- eal edala eyenza i-subprime mortgage crisis .

Nantsi inkcazo yale mboleko yangaphandle. Ukutshatyalaliswa kwabo kuthetha ukuba abaninzi abangekho.

• Imali-mboleko ye-ARM yekhetho ivumele ababoleki ukuba bakhethe inani lemali yokuhlawula nganye ngenyanga kwiminyaka emihlanu yokuqala.
• Iingxowa-mali zokubanjiswa kweemali ezingalunganga zongezwe kuyo, kunokuba zisuswe, inqununu ngenyanga.
• Iimali-mboleko zebhaluni zifuna ukuba yonke imboleko ihlawulwe emva kweminyaka emihlanu ukuya kweyisixhenxe.
• Imali-mboleko engekho-mali ivumelekile ukuba umbolekayo athathe imali mboleko yokuhlawula.