Ithini inkcazo yeGalelo leQela elinomdla?
Igalelo leQela elinomdla (IPC) libhekisa kwintlawulo yomntu onomdla, okanye indibaniselwano yamaqela, kwimirhumo yemvelaphi yoMboleki, ezinye iindleko zokuvala kunye namanqaku esaphulelo.Iminikelo yeqela elinomdla ziindleko ezidla ngokuba luxanduva lomthengi wepropati ezihlawulwa ngokuthe ngqo okanye ngokungathanga ngqo ngomnye umntu onomdla wemali, okanye ezinokuphembelela imimiselo kunye nokuthengiswa okanye ukudluliselwa, ipropati ekuxoxwa ngayo.
Ngubani othathwa njengeqela elinomdla?
Umthengisi wepropati;Umakhi/umphuhlisi;I-arhente yezindlu okanye umthengisi;Ilungu elinokuxhamla ekuthengisweni kwepropathi ngexabiso eliphezulu lokuthenga.
Umbolekisi okanye umqeshi womthengi akathathwa njengeqela elinomdla kwintengiselwano ngaphandle kokuba nabo basebenza njengomthengisi wepropati okanye omnye umntu onomdla.
Yeyiphi eyona mida iphezulu yegalelo lamaqela anomdla?
Ii-IPC ezidlula le mida zithathwa njengemvume yokuthengisa.Ixabiso lentengiso yepropati kufuneka lihlengahlengiswe lihle ukuze libonise isixa-mali somnikelo ongaphezulu kowona mkhulu, kwaye umlinganiselo ophezulu we-LTV/CLTV kufuneka ubalwe ngokutsha kusetyenziswa ixabiso elithotyiweyo lentengiso okanye ixabiso elivavanyiweyo.
| Uhlobo lokuhlala | LTV / CLTV Umlinganiselo | Ubuninzi be-IPC |
| Indawo yokuhlala eyinqununu okanye ikhaya lesibini | Ngaphezulu kwe-90% | 3% |
| 75.01% - 90% | 6% | |
| 75% okanye ngaphantsi | 9% | |
| Ipropati yotyalo-mali | Zonke iireyishini zeCLTV | 2% |
Umzekelo
I-$250,000 yokuThenga ngeMali-mboleko ye-150,000 yeedola iya kuba yiMali-mboleko yexabiso leRatio (LTV) ye-60%.
Kwi-60% i-IPC ephezulu iya kuba yi-9% yexabiso lokuthenga, i-$ 22,500, okanye iindleko zokuvala, nayiphi na ingaphantsi.
Ukuba i-IPC, nokuba ivela kumthengisi okanye i-Realtor, yayiza kuba yi-$25,000 ikhredithi iya kudlula imida ye-IPC.Ngaloo ndlela, i-$ 2,500 engaphezulu iya kuba yimvume yokuthengisa.Ixabiso lokuthenga liya kuthathwa njenge $247,500 ($250,000-$2,500) kwaye iziphumo ze-LTV ziya kuba yi-60.61%.Olu tshintsho kwi-LTV lunokuchaphazela imimiselo yemali-mboleko kwezinye iimeko, kodwa akufanele kubangele ukuba uthenge i-inshurensi yokubambisa.
Ixesha lokuposa: Jan-21-2022