Indlela ukuhlela mortgage?

Abantu abaningi kuleli zwe bacabanga mayelana nendlela ukuhlela mortgage. Kodwa ngaphambi kokuba lokho kubalulekile ukuqonda okushiwo eside. It kuvela ukuthi a mortgage uhlobo abolekise eside, okusikisela khona eseduze ezinkulu, ikakhulukazi ngesimo impahla ikhasimende ozotholwa. Ezweni lethu, lokhu uhlobo abolekise sekuqalile indlela sokuthuthuka kuze 1998 futhi manje omunye ethandwa kakhulu.

Lokhu akusona isimanga, ngoba izimo zomnotho zamanje, kunzima ukuthenga indlu, ikakhulukazi imibhangqwana esemisha. Ngakho-ke, imindeni sebeqala ukuzibuza ukuthi ukuhlela mortgage. Mayelana nodaba Ukukhetha uhlelo loan isici esibalulekile ukukhethwa ngokunembile izimo ezaziyoba yinzuzo kokubili umbolekisi kanye umboleki. Ngokusho imithetho ejwayelekile imalimboleko ingakhishwa okwesikhathi esiyiminyaka engu-5 kuya 25, kuyilapho ezimweni eziningi iklayenti kumele babe imali ethile njengoba imali kokuqala okudingeka ukuba zikhokhwe. It ubhekwa usayizi ubuncane 10% imali edingekayo ukuze kukhokhelwe ukuthenga ikhaya. Ngokuvamile, amabhange ukushaja variable zenzalo, kuye isamba semalimboleko kanye isikhathi iphemithi esithathwayo.

Elisele ngemva kokuba inkokhelo i kokuqala isitolimende lemali ngeke zisakazwe lonke isikhathi ngesimo zenkathi. Ngokuvamile, izinkokhelo kufanele zifakwe ebhange nyanga zonke. Uma sicabanga indlela ukuhlela a mortgage, ikhasimende kufanele uqaphele ukuthi unelungelo lokukhetha uma bebona kunesidingo siqu izinkokhelo zabo gqwa ohlelweni accrual. Kukhona izindlela ezimbili eziyinhloko: annuity futhi umahluko. Ngokusho ngowokuqala, inani izikweletu kwasakazwa ngokulinganayo kuyo yonke i-nezikhathi. Futhi indlela umahluko inyanga ngayinye inani izinkokhelo buzoba buncane kwalowo odlule. Kungcono ukukhetha indlela yokuqala, njengoba kuyokunikeza ikhasimende ezinye ukuzinza, ngaphezu ngeke izindleko amba eqolo eminyakeni yokuqala.

Akumangazi ukuthi yasebhange njengendlela isevisi ekhokhelwe ngisho yacabangisisa isicelo sesikweletu noma ukuvula i-akhawunti. Kuyinto inqubo ejwayelekile, okuyilona elidingekayo ukuze kuvalwe izindleko zokuphatha lesikhungo credit. Ngakho, njengoba isinyathelo sokuqala endleleni ukuthenga izindlu izitolimende Advocates ukuqoqa ulwazi nokubhalisa izifiso zabo. Imibhalo ye-mortgage iqoqwe ngokugcwele futhi kahle yakhiwa. Uzodinga ifomu isimemezelo ukugcwalisa esihlinzeka isisebenzi sasebhange, ikhophi Amakhasi eyinhloko kamazisi, okusho iphasiphothi (futhi, yebo, original). Ngaphezu kwalokho, wonke amadokhumenti adingekayo impahla iyadingeka ukuze kokwethula ikhophi yerekhodi umsebenzi kanye nomholo isitatimende, ngoba ngesisekelo le mibhalo umbolekisi kwenza isiphetho ngabantu bakwazi ukwamukela isicelo futhi amakhono iklayenti ukukhokha isikweleti ngesikhathi. Ezinye izinhlangano, echaza indlela ukuhlela a mortgage ngoba ifulethi, uhlu esezingeni isitifiketi ayahambelana nempesheni umshuwalense wezempilo, umshado noma isehlukaniso, ngisho izincwadi zokushayela.

Uma, emuva kokucubungula isicelo ebhange ikhipha isiphetho esihle, bese kufika esigabeni esilandelayo, elenziwe ukuthengwa nokudayiswa sivumelwano. Njengomthetho, khona-ke udinga ukukhokha ebhange, okusho ukuthi akhokhe imali kokuqala. Kodwa ungathola nesimiso esihlanganisa le itlhogeko. Ezinye izikhungo abolekise ukuthole ezidingekayo ukuze ukhombe umshwalense impahla, njengoba lokhu kunciphisa engozini yokugetshengwa.

Ngemva ekuhambisaneni nayo yonke imicikilisho eyenziwa ukusayinwa esikweletu inkontileka indlu, futhi ngemva kwezinsuku ezimbalwa ingcebo umdayisi uzothola lemali edingekayo. Okungenhla imithetho eyisisekelo ukuba baqonde indlela ukuhlela mortgage ube umnikazi uyaziqhenya emakhaya azo.