Ukuthenga indlu yeyona nto isigqibo sezemali eyona nto ibaluleke kakhulu uya kuyenza, okanye ukuba ayingoyena ubalulekileyo. Ngokuqinisekileyo wakhe wazibuza, abantu bakwazi kanjani ukuthenga indlu xa ibiza kakhulu kwaye imivuzo ephakathi ingenakuthathwa njengengaqhelekanga kwaphela? Kuyinyani ukuba abantu abaninzi bawafumana amakhaya abo ngelifa okanye ngokulondolozwa kobomi, kodwa uninzi lwabantu aluzonwabeli ezi zibonelelo.
Benza njani ke? Impendulo ilula, kwaye ilele kwi- imali. Ukuba ufuna ukuthenga ikhaya lakho lokuqala kwaye kufuneka wazi ukuba isebenza njani imali mboleko, ndiyakumema ukuba uqhubeke nokufunda, ngokuqinisekileyo uya kuyifumana impendulo kuyo yonke imibuzo yakho.
Yintoni i-mortg?
IPodemos Chaza ubambiso, Njengemali mboleko eyenzelwe yibhanki ngexabiso elipheleleyo lekhaya ofuna ukulithenga, okanye uninzi lwalo, uthatha ikhaya elinye njengesibambiso. Oko kukuthi, ibhanki iya kukuboleka imali oyifunayo ukuthenga indlu yakho, ikuvumela ukuba ubuyise imali kancinci kancinci kwaye unenzala phakathi, kwaye ukuba awuyenzi intlawulo eqinisekisiweyo, ibhanki ingayithatha indlu yakho ukubuyisa imali etyalwe kuwe.
ESpain, imali mboleko yokuthenga indlu ngokwenene yimali mboleko yobuqu ekhaya. Oku kuthetha ukuba abanini kunye nabaqinisekisi kufuneka baphendule kuqala kwimali mboleko, ukongeza kwikhaya elibanjisiweyo. Le yindlela onokubona ngayo ukuba ukubambisa ngento yakho luxanduva olukhulu kakhulu ekufuneka ihambelane ngokupheleleyo nomvuzo wakho, kuba ukuba akunjalo, bobabini abanini kunye nabaqinisekisi bemali mboleko kuya kufuneka baphendule ngeasethi yangoku kunye nekamva.
Enye indlela yokuchaza imali mboleko yimvumelwano apho ibhanki ikunika ithuba lokuthenga indlu yakho ngezavenge, ke iluncedo kakhulu xa ufuna ikhaya kwaye unemali encinci okanye ongenayo. Nangona kunjalo, kungenxa yesi sizathu sokuba obolekiso mali buhlala buxabisa kakhulu kunokuba Ixabiso lepropathi, ukukwazi ukukufumana nakumatyala apho ekugqibeleni uya kuthi uhlawule i-80% ngaphezulu kwexabiso elimiselweyo. Nangona kunjalo, lithuba eliyilwe ngokukodwa lokufumana ikhaya, ke lixabiso eliphantsi kunemali mboleko eqhelekileyo yabucala.
Ndazi njani ukuba ndikulungele ukufaka isicelo semali-mboleko?
Njengoko imali mboleko kukuzibophelela okunokuhlala amashumi eminyaka, kwaye kuthwala uxanduva olukhulu, asinakukhanyela ukuba ayinguye wonke umntu ekufuneka enze isicelo sokubambisa ngento. Nokuba kungxamisekile na ukuba uthenge indlu, kubalulekile ukuba wenze uhlalutyo olubuthathaka lwemeko yakho yezemali kunye nozinzo lwezoqoqosho. Kungenzeka ukuba namhlanje ungahlawula iifizi ngaphandle kwengxaki, kodwa kuya kuba njalo kwiminyaka emi-5? Kubalulekile ukuba ube nomsebenzi ozinzileyo, apho unokufumana khona umvuzo onokufikelela kuwo ngokulula iindleko zobambiso lwakho. Thatha ingqalelo ukuba xa ushukuma, iindleko ezintsha ziya kuvela ezingenanto yakwenza nobambiso, ezinje ngeenkonzo zendlu yakho okanye uhlengahlengiso olunokuba yimfuneko.
Kuya kufuneka ube ubuncinci i-20% ye Ixabiso lilonke lepropathi ufuna ukuthenga, kuba uninzi lweenkampani alunikeli ngaphezulu kwe Iipesenti ezingama-80 zexabiso lilonke lepropathi. Okukhona ugcinile, kulunge kuwe, kuba uya kuba nakho ukunika igalelo elilungileyo lemali ekuqaleni kobambiso, ukunciphisa kakhulu inzala enokuthi iveliswe kunye nexesha lokuhlawula ubambiso.
Ungaze ulibale ukuba akufuneki ucele imali-mboleko enexabiso lenyanga elingaphezulu kwe-30% yakho ingeniso iyonke yenyanga. Nangona uninzi lweenkampani zingazibeki emngciphekweni wokukunika ubambiso phantsi kwale meko, ukwenza njalo akuyi kuba semngciphekweni wokungahlawuli, kodwa imeko yakho yezemali iya kuchaphazeleka kwaye kuya kuba nzima ngakumbi ukwenza intlawulo.
Enye into ekufuneka uyithathele ingqalelo ukwenza ifayile yakho uhlalutyo lwezemali ngaphambi kokufaka isicelo sobambiso lixabiso elifanayo lendlu. Zibuze ukuba kuya kwenzeka ntoni ukuba kwixesha elizayo kufuneka uthengise indlu yakho kwaye ubambiso alukahlawulwa. Ukuba ixabiso lendlu yakho kwintengiso liyancipha, kwaye kufuneka uthengise ngexabiso eliphantsi kunelo ulithengileyo, uza kuba nakho ukuhlawula ityala elingekahlawulwa ngaphandle kwengxaki? Hlaziya ngononophelo ukulingana ekhayeni lakho kunye notshintsho olunokwenzeka kwimarike enokonakalisa ixabiso layo.
Kusenokwenzeka ukuba ufuna isincomo ukuze ukwazi uthathe ubambiso. Isiqinisekiso sesokuba umntu wendalo okanye wezomthetho ozibophelela ekusebenzeni njengesiqinisekiso kwaye enoxanduva lokuhlawula umrhumo omiselweyo kwimeko yokuba umntu onetyala engenayo imali eyimfuneko yokwenza intlawulo ehambelanayo. Ngale ndlela, ukuba wenze isivumelwano semali-mboleko kwaye ngenxa yesizathu esithile awunakuyihlawula, isiqinisekiso sakho siya kuba noxanduva lokuhlawula. Kungenxa yoko le nto kufuneka ube nenkxaso yomntu wendalo okanye osemthethweni ukuze ukwazi ukwenza isivumelwano sokubambisa ngento.
Ingcebiso elungileyo kakhulu yeyokuba ngaphambi kokuba utyikitye nayiphi na ikhontrakthi, jonga kwiindawo ezahlukeneyo zebhanki de ube ufumana eyona ikunika ezona meko zibalaseleyo. Soloko ubuza iingcebiso kwaye ungathandabuzi ukubuza malunga nayiphi na inkxalabo evela kwinkqubo.
Iziseko zokwazi ngaphambi kokufaka isicelo sokubambisa ngento
Ukuba ucinga ukuba ulixesha elifanelekileyo kunye nemeko yezemali yokufaka isicelo sobambiso, kubalulekile ukuba uyazi le migaqo ilandelayo:
Isixa:
Isixa eso sisixa semali ekubolekiswa yibhanki ukuthenga ikhaya lakho. Oku kuhlala kungagqithi kwi-80% yexabiso lokwenyani, kodwa ngamanye amaxesha unokufumana amatyala obambiso anexabiso eliphezulu. Nangona kunjalo, lo mkhuba awulungelanga omabini amaqela kwisivumelwano, ngenxa yoko ayiqhelekanga kakhulu.
Ixesha lokuhlawula amatyala okanye ishedyuli yokuhlawula amatyala.
Linani leenyanga okanye iminyaka oya kuyidinga ukuyibuyisela imali-mboleko ebhankini, eya kuxhomekeka kwixabiso elipheleleyo lekhaya lakho kunye nezavenge ozihlawulayo. Ngokubanzi, oku akuhlali kudlula kwiminyaka engama-30
Yabelana:
Yaziwa njengezavenge kwimali ekufuneka ihlawulwe kwiziko lezemali elikunike imali mboleko yempahla kwinyanga nganye. Esi sitolimende senziwe ngamacandelo amabini, eyokuqala yiyo yonke inzala yemali mboleko, kwaye okulandelayo kukubuyisa imali obuyibolekwe ukuze uthenge indlu yakho. Uyabona ukuba kwiminyaka yokuqala yemali mboleko, uninzi lwezavenge luya kubekelwa inzala. Njengokuba ixesha lihamba kwaye usenza iintlawulo, imali ehlawulwe ngezavenge iza kusetyenziselwa ukuhlawula imali-mboleko.
Inzala
Yimali eyongezelelweyo kuya kufuneka uyihlawule ibhanki ngokutshintshela imali mboleko yemali. Kukho iintlobo ezahlukeneyo zomdla, kwaye kwisivumelwano sakho kufuneka ucacise ukuba loluphi uhlobo lomdla mboleko wakho ophantsi:
- Inzala ehleliweyo: Kolu hlobo lwemali mboleko, kusoloko kusetyenziswa inqanaba elifanayo, ke intlawulo yenyanga iya kuhlala ifana ukusuka ekuqaleni ukuya ekupheleni kwentlawulo yemali mboleko.
- Umahluko: Kule nqanaba lenzala, isalathiso somahluko kunye nokusasazeka sisetyenzisiwe, ke uya kufumanisa ukuba inzala yokugqibela eza kuhlawulwa iya kuba yipesenti kunye nesalathiso esisetyenzisiweyo. Ngokubanzi, iphononongwa rhoqo kwisemester okanye kunyaka ngamnye, ke iifizi ziya kuhlala zihluka ngokuxhomekeka kwisalathiso.
- Umxube: zombini iintlobo zomdla zidityanisiwe, ngokubanzi ziyavuma ixesha lokuqala lomdla osisigxina kunye nomdla oguqukayo.
IiKomishini - Yimali eyongezelelweyo oza kuyibhatala ebhankini kwimali mboleko yakho, nokuba ungakanani okanye inzala. Ibhanki nganye ihlawulisa iikhomishini ngeendlela ezahlukeneyo, kodwa ezona zixhaphakileyo kukuvula, ukucima, ukuhlawula amatyala kunye nokufunda.
Iingcebiso zokugqibela - Ngalo lonke ixesha jonga amaxabiso aphezulu athathwe libenchmark yexabiso lakho. Ngokwesiqhelo liqondo le-Euribor, kodwa amanye amaziko ezezimali asebenzisa i-Index yeMali mboleko yokuBolekisa.
- Amagatya omgangatho awukho mthethweni ngokomthetho omtsha, ke ukuba uthe wadibana nomnye wawo, ungayamkeli ikhontrakthi okanye ucele ukuba isuswe.
- Kwaye abanakukunyanzela ukuba wenze isivumelwano nasiphi na isixhobo esinjenge-inshurensi okanye amakhadi etyala kwibhanki enye okanye njengemeko yokufumana "amaxabiso athile"
- Kukhethwa ukuba ucele inzala emiselweyo, kuba ngezi awuyi kuba kulindelo lokwazi umahluko kwiirhafu zereferensi.
- Ukuba awukwazi ukuqhubeka nokuhlawula ityala lakho lobambiso, ungaligqithisela kwelinye ibhanki elikunika izikimu zokuhlawula ezingcono, ukuba nje ukhe wagubungela umrhumo wokurhoxisa kwaye ushiye amaphepha akho ngokulandelelana.