Ngezinye izikhathi, ukuthola impahla, ukwenza amaphrojekthi nemibono noma ukubhekana nezenzakalo ezingalindelekile, kuyasiza ukuba nebhonasi yemali eqinisekisa ukuzinza kwesabelomali sanyanga zonke sabantu nezinkampani. Mayelana nalokhu, kufanelekile ukucabangela inketho yokucela a imali mboleko yezindlu.
Kulesi sihloko sizochaza ngokuningiliziwe yiziphi izikweletu ze-home equity, yiziphi izici zabo nokuthi yiziphi izinhlangano ezibanikezayo, ngokugxila okukhethekile ezinkampanini ezizimele zezezimali.
Iyini imali mboleko yezindlu
Izimali mboleko ezinesiqinisekiso se-mortgage yimikhiqizo yezezimali lapho izinkampani kanye nabantu ngabanye bengathola khona umnikelo wemali ephuma esikhungweni sezezimali. Ingqikithi yalolu hlobo lwemali mboleko ukuthi idinga ukuthi umfakisicelo enze umnikelo ipulazi njengesibambiso wokuhlinza. Kubalulekile ukuthi indawo esebenza njengesibambiso semali mboleko ingabi nesithiyo; okusho ukuthi, akukho ngaphansi kwanoma yiluphi uhlobo lwesikweletu noma isikweletu.
Izinkampani zamabhange ezinikeza lolu hlobo lwemali mboleko exhaswe yi-mortgage kungaba amabhange endabuko noma izinkampani ezizimele zezimali. Kuhle ukunaka ukuthi izimo nezimfuneko zizohluka kuye ngokuthi yiliphi ibhizinisi elisebenza njengombolekisi.
Izici zokubolekwa kwezindlu
Njengoba kushiwo ngaphambili, okungavamile kwalolu hlobo lwemali mboleko uma kuqhathaniswa neminye imikhiqizo yezezimali ukuthi ukuze ufake isicelo, kuyadingeka ukuba nesakhiwo esingasetshenziswa njengesibambiso.
Endabeni imali mboleko yezindlu zangasese ezilinganayo, kukhona ezinye izici ezithakazelisayo ongazicabangela:
- Inani lemali lingaba kufika ku-50% yenani elilinganisiwe lesakhiwo bekwe njengesibambiso.
- Ngokuvamile baklonyeliswa nge iminqamulajuqu emifushane, phakathi kweminyaka engu-1 no-3 cishe, njengoba iyimikhiqizo eklanyelwe ukuxazulula izidingo ezithile ze-liquidity.
- Ipulazi elihlinzekwe njengesibambiso lingaqhubeka nokusetshenziswa phakathi nesikhathi sokukhokha semalimboleko.
Kukusiphi isimo ukucela i-mortgage loan
Kunezimo ezihlukahlukene lapho ukufaka isicelo semali mboleko yezindlu kuvele kube yinketho efaneleke kakhulu. Okulandelayo kuvame kakhulu:
- Ukukhuthazwa kwamaphrojekthi. Imvamisa, ukwenza noma ukwenza amaphrojekthi womuntu siqu noma webhizinisi asebenzayo, umjovo wemali ofika ngesikhathi nowesikhashana uyadingeka. Kulokhu, imali mboleko yezindlu iyathakazelisa kakhulu.
- Kwesinye isikhathi bayacelwa ukuthi bathole imali ye-liquidity imali ebolekiwe enesiqinisekiso se-mortgage yezinguquko noma ukuvuselelwa kwamapulazi. Kulezi zimo, imali ebolekiwe ivame ukubuyiselwa ngokuthengiswa kwamapulazi avuselelwe noma avuselelwe.
- Konjiniyela, imali mboleko yezindlu iwumkhiqizo omuhle kakhulu ngoba, njengoba ivamise ukuba nezindawo ezimbalwa ongazibeke njengesibambiso, bangakwazi ukuthola imalimboleko ephezulu. Kulezi zimo, imali mboleko ihlanganisa izindleko zokwakha, futhi ukubuyisela kwenziwa ngokudayiswa kwamapulazi avelayo. Kodwa-ke, ukubhanga kwendabuko kubeke imingcele imali ebolekiwe enesiqinisekiso se-mortgage kubathuthukisiNgakho-ke, bavame ukusebenzisa izinhlangano ezizimele.
- Izikweletu noma izikweletu. Izikweletu ezixhaswe yi-mortgage ziyindlela enhle kakhulu ezimweni lapho izikweletu zinkulu futhi zingaholela ekuvinjelweni, ngoba zinikeza isikhathi sokukhokha ngokuthula kwengqondo.
- Ukwemukelwa kwamafa. Izindleko ezitholakala ekwamukeleni ifa zingaba phezulu kakhulu futhi, uma ungenaso isikweletu esidingekayo sokubhekana nazo, imali mboleko yezindlu ingaba inketho ekahle.
Iyiphi inhlangano ongayikhetha ukufaka isicelo semali mboleko yezindlu
Njengoba kushiwo ngaphambili, kunezindlela ezihlukahlukene zokufinyelela le mikhiqizo yezezimali, kusukela kokubili amabhange endabuko kanye amafemu azimele anikezela ngemalimboleko yezindlu. Nakuba amabhange endabuko anikeza amanani enzalo aphansi, kufanele kubhekwe ukuthi izinhlangano ezizimele zinezinzuzo eziningi okufanele zicatshangelwe ngaphambi kokufaka isicelo semali mboleko yezindlu:
- Ijubane nobubhanoyi. Izinqubo nezinkampani ezizimele ngokuvamile ziyashesha kunalezo zamabhange endabuko. Lokhu kubalulekile kulabo abacela imali mboleko yezindlu ukuze baxazulule isidingo esiphuthumayo se-liquidity.
- Ukuvumelana nezimo nokwenza ngokwezifiso. Izidingo zokucela imali mboleko ngemali yangasese ziphansi kunezinkampani zamabhange ezivamile futhi kunesikhala esikhulu sokuvumelana ngemigomo nemibandela yokukhokha ukuze kulungiswe nezidingo zomfakisicelo. Ngaphezu kwalokho, izinhlangano ezizimele zingagwema iqiniso lokuthi amakhasimende asohlwini lwabahlongandlebe, njenge-ASNEF noma i-RAI, uma enesiqinisekiso esiqinile semali mboleko.
- Ezinkampanini ezizimele, izeluleko eziningi zivame ukunikezwa kunakwezinye izinhlangano kusetshenziswa abeluleki, osomnotho nabameli. Inhloso ukuthi imikhiqizo yezezimali ecelwa iklayenti iguqulelwe kumininingwane yesimo ngasinye.
- Ukuphepha nokuthembeka. Izinkampani ezizimele zezezimali kufanele zibhalise futhi zibe kugunyazwe iBhange LaseSpain, elizilawulayo futhi liziqondise. Ngakho-ke, ukuvikeleka nokwethembeka kubusa ezinqubweni zezezimali ngokujwayelekile kanye nasekunikezweni kwemali mboleko ikakhulukazi.
Ngabe umxhasi unenani elingakanani ukuze anikeze imali ebolekiwe ngesiqinisekiso se-mortgage
Uma imali ebolekiwe enesiqinisekiso se-mortgage iceliwe, izikhungo zezezimali kufanele zihlole ubungozi obuhlobene nokusebenza. Ukuze benze lokhu, ngokuyinhloko bacabangela izici ezilandelayo:
- Ukubuyiselwa kwentshisekelo. Kuyahlolwa ukuthi inzalo etholwe ekunikezweni kwemali mboleko izobuyiswa kanjani; okungukuthi, izoba yini imigomo yembuyiselo nokuthi yimalini.
- Indlela yokukhansela umsebenzi. Kubalulekile ukuthi ibhange lazi ukuthi umsebenzi uzokhanselwa kanjani; okungukuthi, ukuthengiselana kuzophela kanjani. Izindlela ezivame kakhulu ukubhanga nokudayiswa kwesakhiwo, okungenzeka noma kungabi yiyona ebekwe njengesibambiso.
- I-liquidity yesiqinisekiso. Ngokuba ukunikezwa kwemali mboleko enesiqinisekiso semalimboleko kubalulekile ukuthi isakhiwo esihlinzekwe njengesibambiso sibe nenani elanele. Kulokhu, ukuhlolwa kwempahla kuyacatshangelwa, okungagcini nje ngokucabangela iminyaka yendawo kanye nesimo sayo sokulondoloza, kodwa futhi nezinto ezakhiwe ngazo kanye nendawo, phakathi kwezinye izici.
- Ukusebenza kwephrojekthi yebhizinisi. Endabeni imali mboleko yezindlu zamabhizinisiKubalulekile futhi ukwazi ukuthi kungenzeka yini inkampani ecela imali enkulu. Uma inkampani yenza inzuzo futhi iqhuba kahle, inkampani yezezimali inesikhala esengeziwe sokuqondisa ukuze inikeze lezi mboleko.
Ekuphetheni, Noma yimuphi umuntu noma inkampani ingacela imali mboleko enesiqinisekiso se-mortgage inqobo nje uma unendawo engenazihibe njengesibambiso. Kokubili amabhange endabuko kanye nezinkampani ezizimele zezezimali zingakunikeza. Kodwa-ke, inketho efaneleke kakhulu lapho ufuna ukuguquguquka okukhulu kanye nesivinini ngokuphepha, ukwethembeka kanye neseluleko esihle kakhulu faka isicelo semali mboleko yezindlu ngekhephithali yangasese.