Mortgage reverse

On the kwezimakethe zokubolekiswa kwezimali eminyakeni yamuva, insimbi entsha - "mortgage reverse", uhlelo anganika impesheni, abantu ithuba osekhulile ngcono izimo abahlala kuwo, ngenxa impahla babo abakhona.

Ngokusho isivumelwano a reverse mortgage eseduze kuyinto ingcebo, elise umboleki okunamandla impahla. Ukuhlola kuye, ibhange inikeza loan esiphezulu lemali kungenzeka bona. Kamuva amafulethi okuphephile bangathengisa futhi ukukhokha off the loan. Kungenzeka ukuthi ibhange ngeke kwenzeke ngendlela sokukhokha imali ebolekiwe ngokugcwele, kulesi simo, iza ukusiza isimo - aholele umehluko. Ngaphezu ukudayiswa ingcebo eseduze, kukhona ezinye izimo ukubuya imali-mboleko ezinjalo.

A mortgage ukubuyela emuva efanele ikakhulukazi ngesikhathi esincane kakhulu iholo nobe kwempesheni, noma uma lo muntu obolekayo ayinakho izingane.

Umthengi abolekise senzelwe, kunalokho, ukuze kuhlangatshezwane nezidingo labantu zokusebenza yobudala. Njengoba sokubolekwayo kwabahola impesheni, i-ikakhulukazi ancike yokuthi zokuthenga ngesikweletu uzonikezwa, omunye cishe akufanele. Ingasaphathwa iqiniso ukuthi ukubuya "utsheleke" izimali nganoma yasebhange zenzalo kubo ezingaphezu kuka nzima.

Kodwa on the "reverse" Uhlelo owayesethathe umhlala-phansi kukhona ngisho ukukhetha: noma ukuthola isizumbulu ngesikhathi esisodwa engalweni zakhe, noma ukuzithola nyangazonke (kuvela okubi ukwanda impesheni yabo).

Bank njengoba omunye abahlanganyeli kule scheme ukunika imali, futhi ongawamukeli, futhi kungani ibizwa ngokuthi impendulo. A mortgage ukubuyela emuva umehluko eliyisisekelo kusukela classical - ke akudingi ukugcinwa ngoba inzalo enqwabelene ngoba ukusetshenziswa kwezimali zingezwa ngokuzenzakalela kuya isikweleti.

Kuyaphawuleka ukuthi, ngokubamba iqhaza kulolu hlelo, umnikazi siyaqhubeka bahlala efulethini lakhe siqu. Isikhathi esiningi ababoleka bavikelekile ekuthatheni efulethini uma okuzenzakalelayo nje:

• okungenani omunye amalungu omndeni impesheni, bhalisiwe unaphakade efulethini, usaphila;
• umboleki izinkokhelo ahlukahlukene ku ingcebo, okubandakanya izintela umshwalense.

Mangisho ukuthi kokuthola izinkokhelo zenyanga ku loan, impesheni cishe uthola iningi, uma kungenjalo inani eligcwele impahla ngamasimu. Lokhu kusho ukuthi ngemva efulethini luzoqala, impahla ngofuzo kuyehla izikhathi eziningana noma zinyamalale.

Mhlawumbe othile esikhumbuza reverse mortgage annuity. Kodwa musa ukusheshe iziphetho. Lapho ukuphila annuity abadala umuntu ukudluliselwa kwenye inhlangano noma umuntu unelungelo ukuba abe impahla yakhe esenana usizo lwezimali kanye ngokomzimba. Isivumelwano esinjalo kwakusho inkokhelo sonke isikhathi sokusebenza kwezimali ngentshisekelo umuntu ithathe lezi imisebenzi. Futhi akumangalisi amaxhegu besaba ukuthi waphetha isivumelwano nabo Kungenzeka ube nentshisekelo ukuhamba okusheshayo "izigceme" yakhe.

Ngaphansi kohlelo lwe-ka mortgage reverse ebhange, kunalokho, nentshisekelo ngangokunokwenzeka ekuphileni okude umboleki: ngesithakazelo lemali elikhulayo izikweletu. Asikwazi ukubeka eceleni iqiniso lokuthi lo muntu obolekayo noma esinye sezihlobo zakhe, abuyisele isikweletu, ukubuyisela amalungelo abo efulethini.

Isikimu kungenzeka ngaphezulu funa umbuthano ngokuphelele impesheni engenabantu nge ezindlini ezincane. Kwezinye izimo, zikhona ezinye izindlela ezingasetshenziswa ukukhiqiza imali eyengeziwe, njenge:

• uyishintshe ifulethi, kokuba endaweni ezincane,
• ukuqasha ifulethi yakho ukuba iqashwe kanye nabanye ezindlini eziqashisayo, kokuba endaweni ezincane,
• ukusiza izihlobo, izindlalifa esizayo, njll

Ukuze isimo, ke is mortgage kunenzuzo, njengoba siyeka izibopho ukunikeza ezingeni impesheni abahlala ezakhiweni kwezohwebo, okuyinto Nokho, akuthwale, ngenxa zokuhlala, wathola khona impesheni.