Kwiminyaka embalwa edlulileyo, into ebizwa ngokuba ngumgangatho wegumbi kunye nefuthe ekubanjweni kwemali mboleko yaxhuma kumajelo eendaba, ukuya kwinqanaba lokuba ibhanki ingenziwa ukubuyisa oko kwahlawulwa ngakumbi ngokuzisebenzisa. Kodwa, Athini amagatya omgangatho?
Ukuba awukayazi le nto ibhekisa kuyo, ungazi njani ukuba i-mortgage yakho inayo, kwaye kutheni kuthathwa ngokuba kukuhlukumeza, lixesha lokuba ufumane lonke ulwazi oludingayo.
Amagatya omgangatho, yintoni na?
Amagatya omgangatho ngokwenyani "zizongezo" ezincinci ezibandakanyiweyo kwizivumelwano zobambiso kwaye zimisela ubuncinci benzala yobambiso olwahlukileyo. Oku kusebenza nanini na xa i-benchmark kunye ne-spreaded ingafikeleli kwelo xabiso limiselweyo.
Ngamanye amagama, Ligatya elibandakanya ibhanki kwaye litsho ukuba yeyiphi eyona nzala incinci umsebenzisi aya kuyihlawula, nokuba isalathiso sesalathiso, esihlala siyi-Euribor kwimali ebolekwe kunye nolwahluko, zingaphantsi kwelo lisezantsi.
Oko kukuthi, ukuba igatya lakho limisela ukuba ubuncinci yi-3% kwaye kuloo nyanga i-Euribor iyawa kwaye umahluko wepesenti yi-1,5%, uya kuqhubeka nokuhlawula i-3%.
Elinye igama abaziwa ngalo amagatya emigangatho yimigangatho yokubambisa. Ngokwenyani, omabini la magama abhekisa kwinto enye.
Kutheni behlukumeza
Ngoku kutheni ixhaphaza? Ngaphandle kokuba yimeko abantu abaninzi ababambisa ngento abangaziqapheli de baqale ukuziva bepokothweni, bebona indlela abanye abahlawula ngayo kancinci kwaye enye kufuneka ihlale injalo, ikwangenxa yokuba la magatya amaxesha amaninzi zaziswa ngaphandle kokungafihlisi kwimeko yeebhanki, Ngamanye amagama, khange bachaze ukuba kuthetha ukuthini ukubanekhontrakthi, ke abaninzi baqala ukugxeka iibhanki.
Kwaye ngo-2013 xa iNkundla ePhakamileyo yabhengeza ukuba ubuncinci benzuzo ayisebenzi nxaniso, ngaphandle kokuba yenziwe ngokungabikho kokucaca. Ngexesha elithile kamva, iNkundla yezoBulungisa ye-European Union ngokwayo yavumela abo bachaphazelekayo ukuba bafumane imali ehlawulwe ngaphezulu kwayo yonke imali mboleko.
Xa kusebenza amagatya omgangatho
Amagatya emigangatho asetyenziswe iminyaka emininzi. Ke ngoko, musa ukumangaliswa ukuyifumana nakwizivumelwano zokubambisa esele ziphelelwe lixesha. Ngokubanzi, bafaka isicelo kwi-mortgages ngokuthe ngqo kwaye ngokungathanga ngqo; yayiyinto ephantse yabandakanywa yonke imali mboleko kwaye, ngaphandle kokuba umntu athethathethane nebhanki, oku kwafakwa.
Yiyo i Yayingeyonto eyayicelwe ngababoleki-mali, okanye ukuba yongezwa ngeenkonzo ezongezelelweyo x, kodwa yayiyi "norm" yeebhanki.
Namhlanje oku kuthathwa njengokuhlukumeza, kodwa oko akuthethi ukuba imigaqo kunye namanani afana nala akanakuvela, ke xa usayina ikhontrakthi yokuthenga indlu, kubaluleke kakhulu ukuba uyiqwalasele kwaye, ukuba awuyiqondi, yiya kwingcali enoku kuvavanye ukuba ngaba "kusemthethweni" okanye ngaba ikhona into enokuthi ithathelwe ingqalelo njengembi ngoku nakwikamva lobambiso.
Ngaba ndinayo imali-mboleko?
Alithandabuzeki elokuba, ngaphandle kweminyaka edlulayo, kusaza kubakho abantu abanamagatya asemgangathweni asetyenzisiweyo kwimvumelwano yabo yokubambisa. Kwaye oko kuthetha ukuba, ukuba ubanga, ibhanki inyanzelekile ukuba ibuyisele imali kuwe. Kodwa, ukufezekisa oko, into yokuqala esiyifunayo kukwazi ukuba ngaba ngokwenene okanye hayi.
Ukwazi ukuba i-mortgage inayo okanye ayikho, kuya kufuneka jongana nekhontrakthi yokubambisa. Ewe, sukubhidaniswa netayitile yentengiso kuba ayinanto yakwenza nayo. Kweso sivumelwano, esisemthethweni sibambisa indlu, kuya kufuneka uye kwicandelo "lezezimali". Apho, zama ukufumana isicatshulwa esifana nesi:
"Akukho meko apho izinga lonyaka lenzala elibangelwe lulohluko ngalunye lingaphezulu kwe-X% okanye libe ngaphantsi kwe-X%".
Ukuba uyifumene, ke umisele kungekuphela nje amagatya omgangatho, kodwa nophahla. Amanye amagama ahlala esebenziselwa ezi bhanki zezi: "ukuncitshiswa kwenzala", "ubuncinci benqanaba lenzala", "ukunciphisa umyinge wenzala", "itonela" okanye "umda omncinci".
Into elandelayo ekufuneka uyenzile kukujonga irisithi kwiinyanga ezimbini ezidlulileyo kwaye uthelekise inzala ehlawuliweyo. Ngaba ayifani nesimbuku se-Euribor kunye nomahluko ekuvunyelwene ngawo? Ke sele unabo ubungqina obungenakuphikiswa bokuba unalo elo gatya.
Indlela yokwenza ibango kumagatya omgangatho
Sele uyazi ngakumbi malunga namagatya omgangatho kunye nendlela yokuwafumana kwi-mortgage yakho, kodwa yintoni omele uyenze ukuba uyifumana? Ewe, unokufuna ukubuyiselwa imali kwinto oyihlawule ngaphezulu, ukuya kuthi ga kwi-euro yokugqibela. Ukwenza oku, zimbini iindlela zokwenza.
Indlela engaqhelekanga
Le yeyona nto ilungele uninzi, kuba isimahla kwaye ikhuselwe nguMthetho wasebukhosini-uMthetho 1/20017. Isekelwe kwimfuno yokuba ibhanki ibuyisele yonke into ehlawuliweyo ngelo solotya. Ukwenza oku, kuya kufuneka:
Faka ibango elisemthethweni kunye neNkonzo yabaThengi bebhanki. Ukuba ibhanki yakho ilahlekile okanye idityaniswe nenye, kuya kufuneka uyenzile kwiziko elitsha.
Ibhanki kufuneka iphendule kwelo bango. Kwaye ungayenza ngeendlela ezimbini ezahlukeneyo: ukwamkela isicelo, kunye nokubonisa ubalo abalwenzileyo, lwaphukile, ukuze wazi ukuba baya kukubuyisela ntoni. Kodwa lumka, kuba isenokungabi yile nto uyityala yona, kodwa baya kukunika isithembiso, nokuba sesobuyiso okanye sokunciphisa imali-mboleko yobambiso, ukutyala imali kwiinkonzo zebhanki, njl.
Enye indlela abanokuphendula ngayo ngokwala ibango. Ukuba oko kuyenzeka, okanye kudlule iinyanga ezintathu ukusukela oko wazama ukufikelela kwisivumelwano, inkqubo iphela ngaphandle kwesisombululo kwaye uya kuba nakho ukufaka iifayile zomthetho (into ekuthi, ngeli thuba ukule ndlela, awukwazi ukuyenza).
Indlela yokugweba
Kule meko iqulathe faka isikhalazo enkundleni kunye nebhanki. Ukwenza oku, kuya kufuneka uye kulowo ubalasele kumagatya okuhlukumeza (kwiphondo ngalinye kuhlala kukho elinye). Olunye ukhetho kukuya kumagqwetha kwaye ubayeke bafake kuwo. Ewe kunjalo, kuya kufuneka uhlawule umrhumo kunye nolungiselelo lweemali. Kodwa ukuba ibhanki iyalelwa ukuba ihlawule zonke iindleko zomthetho, enyanisweni awuzukuhlawula nto.
Apha isisombululo siya kunikwa yijaji eya kuthi ichonge ukuba unelungelo lokubuyiselwa imali okanye hayi.
Ngaba unayo eminye imibuzo malunga namagatya omgangatho?