Ukuxhaswa koMnini kwiZakhiwo zangaphandle

Ukuthengwa kweKhaya kunye neNkxaso-mali

Ukucela umdayisi ukuba akunike umnini-mali ukuthenga indlu kungenza isiluleko esiqatha. Oko kungenxa yokuba ukuba ucela i- arhente yokurhweba ukuba umnini uza kuthwala okanye yonke imali, i-arhente ayifuni. Ngoba? Igosa alizange liceliwe. Mhlawumbi akanandaba nokubuza, nokuba.

Ukuba ubuza umdayisi ngokuthe ngqo, umthengisi mhlawumbi uza kuthi cha. Abathengisi kaninzi balahla isiphakamiso sokuxhaswa kwemali kuba akukho mntu uchaze iingenelo okanye inkxaso-mali yokucetyiswa komnikazi njengendlela yokuthengisa ikhaya.

Abathengisi abaninzi abathengisi ikhaya ngemini. Ulwazini lwabo luphela kwimisebenzi eqhelekileyo apho umthengi eya ebhanki ukuze athathe imali .

Nangona kunjalo, kumthengisi lowo ikhaya lakhe lingathengisi okanye xa izikhokelo zendwendwe zendabuko zixinyiwe, umnini-mali ngokukhawuleza uyathandwa kakhulu. Ukuxhaswa kwemali ngokuqinisekileyo kuyindlela efanelekileyo yokuthenga iimarike zithengi . Akunjalo kakhulu kwiimarike zathengisi.

Yintoni umnikazi wezimali?

Xa inxalenye okanye yonke intengo yokuthenga, ingaphantsi kwenkokhelo yomthengi, iqhutywe ngu (umxhasi) ngumthengisi, umthengisi unikezela ngezimali umnikazi. Akunandaba ukuba ipropati inomboleko okhoyo, ngaphandle kwendlela umboleki-mali okhoyo akwazi ukukhawuleza ngayo umboleko othengiswa ngenxa yecandelo lokwahlukanisa . Esikhundleni sokuya kwibhankini, umthengi unikela isalathiso kumthengisi njengobungqina bemboleko kwaye wenza iintlawulo kumthengisi.

Ukuba ipropati ikhululekile-kwaye icacile, oku kuthetha ukuba umthengisi unesihloko esicacileyo ngaphandle kwemali mboleko, umthengisi angavuma ukuba athathe yonke imali.

Ngaloo mzekelo, umthengi kunye nomthengisi bavumelana ngenani lentlawulo, inani lemali yentlawulo yenyanga kunye nexesha lokubolekwa kwemali mboleko, kwaye umthengi uyawuhlawula umthengisi ngokulingana kwemthengisi kwisiseko sefowuni.

Isixhobo sokhuseleko ngokubanzi sibhalwa kwiirekhodi zoluntu, ezikhusela zombini amaqela. Khumbula, iminye imithetho yaseburhulumenteni iyalela ukuhlawulwa kwebholethi.

Olunye umthetho wurhulumente wesigqeba unokulawula ulawulo lomnini. Unokufuna ukufumana iingcebiso zomthetho ukuqinisekisa ukuba ulandela umthetho.

Iintlobo zeNkxaso-mali

Uninzi lwemali yokuthengwa kwemali luya kuthethwa. Abadayisi kunye nabathengi bakhululekile ukuxoxisana nemigqaliselo yenkxaso-mali yomnini, ngokwemiqathango yokukhwabanisa kunye neminye imigaqo-nkqubo ethile. Kwakhona, unokufuna ukufumana iingcebiso zomthetho.

Nangona kungekho mali yokuhlawula ephantsi efunekayo, abathengisi abaninzi bafuna inkokhelo efanelekileyo yokukhusela ukulingana kwabo. Iintlawulo eziphantsi ziyakwazi ukuhluka ukusuka kumancinane ukuya kuma-30 ekhulwini ukuya phezulu okanye ngaphezulu. Abathengisi bazive ukuba ukulingana kwabo kugcinwa ngumvuzo wokuthengwa kwabathengi kuba abathengi abanako ukuhamba ngokungena kwi- foreclosure ukuba batyala imali eninzi ngaphambili.

Ezinye iintlobo zenkxaso-mali yomnini ziquka:

• Izivumelwano zomhlaba.

  Izivumelwano zomhlaba azidlulisi isihloko somthetho kumthengi kodwa zinike umthengi isihloko esilinganayo. Umthengi wenza iintlawulo kumthengisi ngexesha elithile. Ekuhlawuleni kokugqibela okanye ukuhlaziywa, umthengi ufumana isenzo.

• Amanqaku okuThengisa kunye nama-Mortgages.

  Abathengisi banokuthi bathathe imali yokuthenga yonke ibhalansi yexabiso lokuthenga (ngaphantsi kwenkokhelo ephantsi), enokubandakanya umboleko ophantsi. Olu hlobo lokuxhaswa kwemali lubizwa ngokuba yi-"mortgage-inclusive-inclusive" okanye "yonke into ebandakanya ukuthembeka" (AITD). Umthengisi ufumana ukugqithiswa komdla kwimali mboleko.

  Umthengisi angaphinda athathe umboleko omncinci, kwimeko apho, umthengi uya kuthatha umxholo phantsi komboleko okhoyo okanye afumane imali entsha yokuboleka imali. Umthengi ufumana isenzo kwaye unike umdayisi isithwathwa sesibini somyinge wexabiso lokuthenga, ngaphantsi kwentlawulo ephantsi kunye nemali yokuqala yokuthenga imali.

• Izivumelwano zokuthengwa kweeNgqesho.

  Ukuthengiswa kwesivumelwano sokuthengwa kwempahla kuthetha umthengisi unikezela umthengi isihloko sokulingana nokuqeshisa impahla kumthengi. Emva kokuzaliseka kwesivumelwano sokuthenga, umthengi ufumana isihloko kwaye ufumana imali-mboleko yokuhlawula umthengisi, emva kokufumana inkokhelo kuyo yonke into okanye inxalenye yentlawulo yokuqeshisa kwixabiso lokuthenga.

Izinzuzo zokuxhaswa kwabanikazi kubathengi basekhaya

• Ncinane okanye Akukho Mfanelo.

  Nangona umthengisi efuna ingxelo yengxelo yemboleko kumthengi, ukuchazwa komthengisi wemfundo kumthengi ngokuqhelekileyo kunobunzima kwaye kuguquguquke kunezinto ezibekwe ngababoleki abaqhelekileyo.

• Uxhaswe ngezimali.

  Ngokungafani neemali-mboleko eziqhelekileyo , abathengisi kunye nabathengi banokukhetha kwiintlobo ezahlukeneyo zokuhlawula iintlawulo ezinjengomdla kuphela, ukulungiswa kwemilinganiselo echanekileyo , imali engaphantsi kwe-interest okanye ibhaluni yokuhlawulwa . Iintlawulo zinokudibanisa kwaye zidibanise. Amanqanaba anomdla angakwazi ukulungelelanisa ngezihlandlo okanye ahlale ngesilinganiso esisodwa kwisithuba semboleko.

• Uhlawulo oluphantsi kweNtlawulo.

  Iintlawulo eziphantsi ziyaxoxisana. Ukuba umdayisi ufuna inkokhelo enkulu kunokuba umthengi anayo, ngamanye amaxesha abathengisi bayakuvumela ukuba umthengi enze iintlawulo zexesha lokuhlawula ngokuthe ngqo kwintlawulo yokuhlawula.

• Iindleko zokuvala ezantsi .

  Ngaphandle kwekhredithi yamatyala, akukho mboleko okanye amanqaku okuhlawula ukuhlawula. Akukho mali evela kumvelaphi , iifizi zokusebenza, iirhafu zokulawula okanye nayiphi na enye yemali ehlawuliswayo eyahlukeneyo eyenziwa ngababolekisi, ngokuzenzekelayo igcina imali kwiindleko zokuvala umthengi .

• Indawo ekhawulezayo.

  Ngenxa yokuba abathengi kunye nabathengisi abalindeli umboleki ukuba baqhube ukuxhaswa ngemali, abathengi banokuvala ngokukhawuleza kwaye bathenge umthengi ngaphambili kwimali yokuthenga imali.

Izibonelelo Zokuxhaswa Kwempahla Kwabathengisi Basekhaya

• Ixabiso eliphezulu lokuThengisa.

  Ngenxa yokuba umthengisi unikezela ngemali yokuthengisa, umnini-mthengisi unokumisela ukulawula intlawulo yexabiso elipheleleyo okanye ngaphezulu.

• Ukuphulwa kweRhafu .

  Umthengisi angakhokhela irhafu encinane kwiirhafu zeentengiso , ukunika ingxelo kuphela ngeniso efunyenweyo kunyaka ngamnye wekhalenda.

• Imali Yenyanga.

  Iintlawulo ezivela kumthengi zonyusa ukuhamba kwemali yenyanga yomthengisi, okubangelwa imali engenayo.

• Inzala ephezulu.

  Ukuxhaswa kwemali kunokuba nexabiso eliphezulu kunokuba umthengisi angayifumana kwi- akhawunti yemarike yemali okanye ezinye iintlobo zengcinezelo ephantsi.

• Uluhlu olufutshane.

  Uxhasomali lomnikazi ukhangela isethi ehlukeneyo yabathengi. Ukuba ipropati ayithengisi phantsi kweendlela eziqhelekileyo, ukunikezela ngezimali ngemali yindlela enye yokuphuma ekulwandle yolwazi kwaye uhambise indawo engabonakaliyo ekuthengiseni yona ngaphandle kokungayithengisi.

Ekuvaleni, ngaphambi kokuba ungene kumthengi kunye nenkxaso-mali, nceda uqhagamshelane nommeli wezezindlu kwaye ufumane iingcebiso zomthetho ezifanelekileyo. Ungathembeli kwi-arhente yakho ye-real estate ngolwazi, ngaphandle kokuba i-arhente yakho igosa elingummeli wezakhiwo.