Yintoni Imali Yemali Eyingozi?
Njengaye nawuphi na umboleko, umboleko wemali enzima ngumlinganiselo wemali ebolekekwe kumboleki.
Imigqaliselo efanelekileyo yemboleko iya kuhluka ngokusetyenzana kunye nomboleki.
Umboleki ufumana imali, ngelixa umnini-mboleko ufumana inzala yenyanga ngenyanga mboleko aze ahlawulwe ngokugcwele. Umboleki-mboleko uya kuhlawula umboleki umrhumo-phambili, umrhumo wexesha elilodwa ukwenzela ukuqhubela umboleko.
Imboleko yemali enzima ixhaswa yi-asethi yezinto eziphathekayo, eyona propati ethengwayo. Iimali mboleko zemveli zisekelwe kumanqaku omboleki wekhredithi.
Ufumanaphi Inkxaso Yemali Enzima?
Imali-mboleko yemali enzima ingafumaneka kwiimali-mali ngamnye okanye iqela lomtyalomali.
Ngubani ofuna iNgxowa-mali yeMali enzima?
Imali-mboleko yemali enzima isetyenziswa ngokubanzi kwi-investment real estate. Ababolekisi bemveli, njengeebhanki nakwamanye amaziko emali, abakhululekile ukubolekisa imali-mali. Banomdla kakhulu ekubolekiseni iimali-mali ezizinzile apho zivakalelwa khona amathuba okuba iboleke imali.
Ngoko ke, ukuba umtyalo-mali ufuna ukuthenga ipropati ecinezelekileyo, banokhetho olukhawulezileyo xa kuzifumana ekufumaneni imali. Abatyalo-mali abanomhlaba abafuna ukwenza i-gut rehab okanye i- flip yepropati ngokukhawuleza basebenzisa imali ebolekileyo yemali.
Abanye abatyalo-mali basemzimbeni, abanokuthenga iimpahla zengeniso , bangasebenzisa imboleko yemali enzima baze bafikelele ukuhlaziywa kwepropati.
Xa isakhiwo sizinzile, aba batyali-mali baya kuqinisekisa ukuhlawula imali ngokwemveli kwinqanaba lomyinge ophantsi kunye nokuhlawula umrhumo ophezulu onomvuzo onzima.
Imali-mboleko yemali enzima ibuye isetyenziswe ngabantu abangenako ukufumana imali yokubambisa kwi-bhanki ngenxa yamanqaku amatyala ahluphekileyo. Basenokuba nekhredithi empofu, kodwa banakho ukulingana ngokwaneleyo kwipropati yabo ukuba babe neengxaki zemali-mboleko abanomdla wokwenza imali mboleko. Le meko ibonakala xa umninimzi ejongene nokuchithwa kwepropati.
Izinzuzo zeNgxowa-mali yeMali enzima
Nazi ezi zi-4 izizathu-mali-mali-mali-mali angayifumana imboleko yemali enzima:
1. Inkqubo yokukhawuleza: Njengoko usebenza nomboleki omnye, okanye iqela elincinci lababolekisi, kukho iipoksi ezimbalwa zokungena. Ababolekisi bemali abanzima abanomdla kumanqaku akho okwekhredithi okanye ukuba unetyala elingakanani.
Ekubeni ipropati iyimpahla exhasa inkxaso mboleko, inomdla kuphela ekubaluleka kwexabiso kwipropati. Ngokuxhomekeke kumniki-mboleko wakho, unakho ukubolekisa ngemali embalwa okanye kwiiveki ezimbalwa. Kungathatha inyanga ukuya kwiinyanga ezintathu ukukhusela imali engaphezulu yemithwalo yemveli.
2. Unokuboleka okungakumbi: Ngeempahla zemveli, kufuneka ubeke ubuncinane be-5 ekhulwini kwixabiso lokuthenga.
Amabhanki anqwenela ukuba ubeke phantsi ipesenti ezingama-20 zexabiso lokuthenga, okuza kuthi kaninzi kukunikezele ngemigaqo engcono kwimboleko. Ukuba ubeka phantsi kweepesenti ezingama-20, uya kufudula ukuthenga i-inshurensi yokubolekwa kwempahla, eya kukunyusa intlawulo yakho yenyanga.
Ngomboleko wemali enzima, umnini-mboleko angakulungela ukuboleka i-100 ekhulwini yexabiso lokuthenga. Ngaphandle kokuhlawulwa kwentlawulo, uya kuba noxanduva lokuhlawula intlawulo yemvelaphi kunye nomyinge wenyanga uze uhlawule ngokupheleleyo.
3. Ukuseka ubudlelwane: Njengoko unako ukuseka ubudlelwane nebhankini okanye nakwezinye iziko lokubolekisa, unokwenza ulwalamano nomthengisi wakho onzima. Ukuba uye wabonisa imbali yokuhlonela imiqathango yesivumelwano kunye nokuhlawula imali mboleko yakho ngexesha, okanye nakusasa, umnini-mboleko uya kufuna ukusebenza nawe kwixesha elizayo.
Ngenxa yerekhodi lakho eliqinisekisiweyo, umboleki-mali angavuma ukubolekisa ipesenteji enkulu yentengo yokuthenga, ukunciphisa intlawulo yemvelaphi okanye ukunciphisa inani eliza kuthatha ukufumana mboleko.
4. Efanelekileyo Xa Uqalisa: Imali-mboleko yemali enzima ayilungile kubo bonke abatyala-mali, okanye nakuwo wonke utyalo-mali, kodwa ingaba yindawo eqala ngayo. Xa uqala nje, le mboleko ikuvumela ukuba uthenge impahla kunye nemali encinane kakhulu. Emva kokuba uzinzile njengomtyalo-mali, unokukwazi ukugcina umgca wekhredithi kwi-bhanki endaweni yokusebenzisa imali ebolekileyo yemali mboleko, eya kuba nenani eliphantsi lomdla.
Ingozi yeNgxowa-mali yeMali enzima
Nangona kukho iingeniso zokufumana imboleko yemali enzima, nangoo mngcipheko 4 kufuneka uqwalasele kwakhona:
I-Intengo yeNzala Ephakamileyo: Enye enkulu ye-mboleko yemali ebolekileyo yinto edla ngokuba neenqanaba eliphezulu zenzalo. Akuqhelekanga ukubona ixabiso lentengo phakathi kweepesenti ezili-10 kunye neepesenti ezingama-20 kulezi ntlobo zemboleko. Ababolekisi bayazi ukuba banesandla esiphambili kuba unamathuba ambalwa okufumana umboleko.
Ekubeni nabo bathatha umngcipheko ngokukrazula imali eninzi, bafuna ukuqinisekisa ukuba unesiqinisekiso sokuyihlawula ngokukhawuleza.
2. Umrhumo ophezulu: Intlawulo yemvelaphi yintlawulo umboleki-mali uya kuhlawulisa ukujongana nemboleko. Ipesenti yomboleko.
Kwakhona, kuba oku kutyalo-mali olukhuselekileyo, umboleki-mali obunzima uzama ukuzikhusela. Akuqhelekanga ukuba umbolekisi ahlawule ngokuphindwe kabini isixa somthengi oqhelekileyo. Ngokomzekelo, ukuba ibhanki eqhelekileyo ihlawulisa enye ipesenti yemali-mboleko epheleleyo njengemali yokuqala, umthengi onomsebenzi onzima unakho ukuhlawula iipesenti ezintlanu zemboleko.
Ixesha elide: Nangona kuqhelekile ukuba ne-mortgage yeminyaka eli-15 okanye i-mortgage yeminyaka engama-30, oku akunjalo nangemali-mboleko yemali enzima. Nangona iikhontrakthi zihluke, le mboleko iza kuhlawulwa kwakhona emva kweenyanga ezimbalwa okanye kwiminyaka embalwa. Ukuba umboleko awuhlawulwa kwiinyanga ezimbalwa zokuqala okanye kunyaka, inqanaba lentengo ephakamileyo sele landa.
4. Ukulahlekelwa kwePropati: Ngenxa yokuba impahla leyo iyimvume yomboleko, kungekhona wena ngokwakho, ukuba awukwazi ukuhlawula umboleko, uza kulahlwa yipropati.