11/02/2023

Xa ukwimarike yekhaya elitsha okanye ucinga ngokuphinda uhlawule i-mortgage yakho yangoku, ukuqonda inkqubo yovavanyo lwekhaya kunye nefuthe layo kwixabiso lemali-mboleko yakho kubalulekile.Kwesi sikhokelo sibanzi, siza kuphonononga izinto ezintsonkothileyo zovavanyo lwekhaya, ukuba zinefuthe njani kwixabiso lemali mboleko yakho, kwaye zeziphi iindleko ezinxulumene nenkqubo.

Inkqubo yoVavanyo lwaseKhaya

Uvavanyo lwekhaya luvavanyo olungakhethi cala lwexabiso lepropati olwenziwa ngumxabisi onelayisensi noqinisekisiweyo.Linyathelo elibalulekileyo kwinkqubo yokubolekwa kwezindlu njengoko iqinisekisa ukuba ixabiso lepropati lihambelana nesixa-mali semali-mboleko oyifunayo.

Inkqubo yovavanyo ibandakanya la manyathelo alandelayo:

1. Ukuhlolwa

Umxabisi undwendwela ipropati ukuze ahlole imeko yayo, ubungakanani kunye neempawu zayo.Bakwaqwalasela indawo yendawo kunye nayo nayiphi na imiba yangaphandle enokuthi ichaphazele ixabiso layo.

2. Uhlalutyo lweMarike

Umvavanyi uphonononga iintengiso zakutsha nje zeepropathi ezinokuthelekiswa kwindawo.Olu hlahlelo lunceda ukumisela ixabiso lepropati ngokusekwe kwiintsingiselo zemarike.

3. Uqingqo-maxabiso lwePropati

Ukusebenzisa idatha eqokelelwe ngexesha lokuhlolwa kunye nohlalutyo lwemarike, umvavanyi ubala ixabiso eliqikelelweyo lepropati.

4. Ingxelo yesiZukulwana

Umxazululi uqulunqa ingxelo ebanzi ebandakanya ixabiso eliqikelelweyo lepropati, indlela yokusebenza esetyenzisiweyo, nazo naziphi na iimeko eziphembelele uqingqo-maxabiso.

Impembelelo kwiNqanaba lokuBoleka imali

Uvavanyo lwekhaya ludlala indima ebalulekileyo ekumiseleni izinga lakho lokuboleka imali.Nantsi indlela:

1. Umlinganiselo weMali-mboleko-kwixabiso (LTV)

Umlinganiselo we-LTV ngumba obaluleke kakhulu ekubolekeni imali yokubambisa.Ibalwa ngokwahlula imali-mboleko ngexabiso eliqikelelweyo lepropati.Umlinganiselo ophantsi we-LTV ufanelekile kubaboleki, njengoko kubonisa umngcipheko ophantsi wombolekisi.Umngcipheko ophantsi unokukhokelela kukhuphiswano olungakumbi lwemali-mboleko.

2. Inzala

Ababolekisi banikezela ngamaxabiso ahlukeneyo emali-mboleko esekwe kumngcipheko.Ukuba uvavanyo lubonisa ukuba ipropati ixabisa ngaphezu kwesixa-mali semali-mboleko, ithoba umngcipheko wombolekisi.Ngenxa yoko, ungakulungela ukufumana inzala ephantsi, oko kunokukongela amawaka eedola kubomi bemali-mboleko.

3. Ukuvunywa kweMali-mboleko

Kwezinye iimeko, uvavanyo lwekhaya lunokuchaphazela imvume yakho yemali mboleko.Ukuba ixabiso eliqikelelweyo liwela kakhulu kwisixa-mali semali-mboleko, unokufuna ukuzisa imali eninzi etafileni ukuhlangabezana neemfuno ze-LTV zomboleki.

Iindleko zoVavanyo lweKhaya

Iindleko zovavanyo lwekhaya zinokuhluka ngokuxhomekeke kwizinto ezifana nendawo, ubungakanani bepropathi, kunye nobunzima.Ngokwe-avareji, unokulindela ukuhlawula phakathi kwe-$300 kunye ne-$450 yovavanyo oluqhelekileyo lwekhaya losapho olunye.Iindleko zidla ngokuhlawulwa ngumboleki kwaye kufuneka ngexesha lovavanyo.

Imingeni yoVavanyo

Ngelixa ukuvavanywa kwekhaya ngokuqhelekileyo kuqondile, ngamanye amaxesha kunokuzisa imingeni.Imiba efana nepropathi eyodwa, intengiso elinganiselweyo elinganiselweyo, okanye utshintsho lwemakethi lungenza nzima inkqubo yovavanyo.Kwiimeko ezinjalo, kubalulekile ukusebenzisana ngokusondeleyo nombolekisi wakho ukufumana izisombululo eziqinisekisa ukuvavanya okugudileyo.

Ukuqukumbela

Uvavanyo lwekhaya luyinxalenye ebalulekileyo yenkqubo yemali-mboleko, echaphazela izinga lakho lemali mboleko kwaye, ngenxa yoko, iindleko zobunini-khaya.Ukuqonda inkqubo yovavanyo, impembelelo yayo kwimigaqo yakho yokubambisa, kunye neendleko ezinxulumene noko kubalulekile ekwenzeni izigqibo ezinolwazi.Nokuba ungumthengi wokuqala wendlu okanye umnini-ndlu ojonge ukuxhasa ngemali, ukwazi i-ins kunye nokuphuma kovavanyo lwekhaya kuya kukunceda ukuba ujonge imeko yemali mboleko ngokuzithemba.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.