Uluhlu lweeNkcazo zoLuntu lwaseKhaya lusebenza njani?
Umgca wokulingana kwekhaya ngumgca wekhredithi ojikelezayo.
Ibhanki ivula umgca wekhredithi kwaye ubulungisa kwikhaya lakho liqinisekisa umboleko. Umgca wokubolekisa umboleko uthetha ukuba ubolekise kwisixa esithile kwaye wenze iintlawulo zenyanga. Iintlawulo zinqunywe ngawaphi na okwangoku unetyala. Emva kokuba uhlawule imali unokuyiboleka kwakhona ngaphandle kokufaka isicelo semali mboleko. Kufana nekhadi lekhredithi ngale ndlela. Kubalulekile ukuba ukhumbule ukuba uphoswa kwiintlawulo zemali, ubeka ikhaya lakho engozini. Yingakho kufuneka ubalekele ukuyisebenzisa ukuhlawula amakhadi akho ekwereta okanye enye ityala.
Umsebenzi wesiBini weNgxowa-mali?
Intlawulo yesibini iyaqhotyosheliswa kwikhaya lakho. Isebenza ngokuhlukileyo, nangona kunjalo. Imboleko ihlawulwa kwisinye isixa semali ekuqaleni komboleko. Imali yokuhlawula kunye nekota (ubude) bemboleko sele sele isetyenziswe. Xa umboleko uhlawulwa, ngoko uza kufuneka uvule umboleko omtsha ukuboleka ngokulinganayo kwindlu yakho kwakhona.
Abantu abaninzi baya kusebenzisa i-mortgage yesibini njengentlawulo ephantsi kwikhaya ukukhusela i-PMI. Basenokuthabatha i-mortgage yesibini ukulungiselela ukulungiswa kwekhaya okanye ukuhlawula ityala. Njengemali mboleko yemali, xa ulahlekelwa iintlawulo kule mboleko, ungalahlekelwa ngumzi wakho.
Yiyiphi Inketho Eyilungeleyo?
Abantu basebenzisa ezi zimbini zeentlobo zemboleko kwizinto ezininzi.
Esinye sezizathu eziqhelekileyo ukuhlanganiswa kwetyala . Nangona kunjalo, kuyingozi ukuhambisa ityala elingakhuselekanga , njengetyala lekhadi lesikweletu kumboleko okhuselekile . Ibeka indlu yakho engozini ukuba awukwazi ukuhlawula nayiphi na isizathu. Ukongezelela, iyancipha kwi-equity ukuba uyakha kwikhaya lakho. Abantu banokuthi bathathe imali-mboleko yokulinganisa ikhaya ukuhlawula ukulungiswa ekhaya okanye ukuya kwiholide. Kungcono ukuphepha ukulinganisa ukulingana kwakho ukuba unako. Kungcono ukuphepha ukuboleka kwikhaya lakho ukuba kunokwenzeka.
Ndiyibeka phi na le Miboleko kwisiCwangciso samTyala soMatyala?
Kwiplani yokuhlawula ityala , kubalulekile ukubeka imali yesibini okanye i-home equity line kunye nabo bonke abanye abatyala bakho. Kufuneka ihlawulwe ngaphambi kokuba uqale utyalomali ngokukodwa ngenxa yokuba amaxabiso enzala ngokubanzi aphakamileyo kunabaninzi bokuqala. Akunangqiqo ukutyalomali xa uhlawula loo nto inomdla kwinyanga nganye. Imali yesibini yokubolekwa kwemali okanye yemali mboleko yemali ingaba yinto yokugqibela kwisicwangciso sakho sokuhlawula ityala okanye ingafika phambi kwemali-mboleko yomfundi ngokuxhomekeka kwintlawulo yemali ehambelana nomboleko ngamnye.
Ngaba kufuneka ndisebenzise iMali yeNgxowa-mali yeNgxowa-mali njengeNgxowa-mali engxamisekileyo?
Abantu abaninzi basebenzisa ukuxhomekeka kumgca wokulingana kwindlu njengengxowa- mali yengxamisekileyo .
Nangona kunjalo, iibhanki ziqala ukuvala imigca yokulingana yasekhaya, nokuba ngaba bekunokuma kwixesha elidlulileyo. Kunoko, kufuneka usebenze ekusindiseni phakathi kweenyanga ezintathu ukuya ezintandathu zomvuzo ukuze uhlawule ingxamiseko engenzeka. Oku kukubeka ukulawula ukuzinza kwakho kwezezimali ezandleni zakho.Uma usebenzisa i-loan yakho yokulingana yasekhaya njengengxowa-mali engxamisekileyo, njengokuba ulahlekelwa ngumsebenzi wakho, ubeka ikhaya lakho engozini. ukuba awufumani umsebenzi omfutshane ngokukhawuleza, ulawula ukuhlawulwa kwemali yakho kunye nokuhlawulwa kwemalimboleko yokulingana kwemali kunzima kwinyanga nganye oyisebenzisayo. Njengoko imali yokubolekwa kwemali mboleko ikhula ukwenjenjalo, iya kuthi inkokhelo yakho, eyongeza ingozi yokumiswa kwemboleko. Oku kufuneka kube yinto yokugqibela xa kufikelele kwiimali zakho.