I-Mortgages elula kunye neeMali-mboleko ze-P&L ezizilungiseleleyo

Ukuzulazula kwimo ye-mortgage kunokuba nzima, ngakumbi kwabo banengeniso engekho mgangathweni. I-Self Prepared P&L Loan ibonelela ngenye indlela ehlaziyayo, eyilelwe ukwenza lula inkqubo yokuboleka. Nge-P&L eZilungiseleleyo kuphela efunekayo, ababoleki banokufaneleka ngaphandle kweCPA-isiteyitimenti semali esilungisiweyo, esenza kube lula ngakumbi ukufaneleka kwi-mortgage. Nokuba uxhasa ngemali indawo yokuhlala yasePrayimari, iKhaya le-2, okanye ipropathi yoTyalo-mali, le mboleko ayinambuyekezo yeRhafu kunye neSigwebo seNtlawulo yaPhambili, edityaniswe noMyinge oPhantsi we-5/6 ARM kunye nokhetho lwe-7/6 lwe-ARM, lwenza olu khetho lubalaseleyo.

Iimali zokubambisa ngokwesintu zisoloko zifuna amaxwebhu amaninzi, kuquka neembuyekezo zerhafu ezinokungabonisi ngokuchanekileyo amandla emali omboleki. I-Self Prepared P&L Loan iyawuphelisa lo mqobo. Ngokuvumela ababoleki ukuba bangenise eyabo ingxelo yengeniso kunye nelahleko, ibonelela ngokuzi-qeshwaiingcali, abazimeleyo, kunye nabatyali-zimali abamvuzo wabo uguquguqukayo okanye ubandakanya ukutsalwa okubalulekileyo. Ngemali-mboleko efikelela kwi-2.0 yezigidi zeedola kunye namanqaku asezantsi etyala angama-680, iyafikeleleka kuluhlu olubanzi lwabafaki-zicelo.

I-5/6 ye-ARM kunye ne-7/6 ye-ARM iinketho zongeza izinto ezininzi. I-5/6 ye-ARM itshixa kwiNqanaba eliPhantsi iminyaka emihlanu, ihlengahlengisa rhoqo emva kweenyanga ezintandathu, igqibelele kwabo banezicwangciso zexesha elifutshane. I-7/6 ARM yandisa ixesha elimiselweyo ukuya kwiminyaka esixhenxe, inika ukuqikelelwa kweenjongo zexesha elide. Zombini zilungiselelwe ukugcina iintlawulo zifikeleleka, nokuba uhlala kwikhaya laBantwana okanye ulawula ipropathi yoTyalo-mali.

Uphawu lweSigwebo sokuBuyisa kwangaphambili lutsalo olukhulu. Ababoleki banokubhatala imali-mboleko yabo kwangoko-nokuba ngaba kukuxhasa ngemali ngokutsha, ukuthengisa iKhaya lesi-2, okanye ukukhupha imali ngoTyalo-mali-ngaphandle kokwenza iindleko ezongezelelweyo. Oku bhetyebhetye kuhambelana neenyani zemarike yanamhlanje, apho izicwangciso zemali zivela ngokukhawuleza. Idityaniswe neemfuneko zokuBuyiselwa kweRhafu, i-P & L Loan ye-Self Prepared inciphisa amaphepha kwaye ikhawuleze ukuvunywa, ivumela ababoleki ukuba bagxininise kwiinjongo zabo.

Cinga ngomnini weshishini elincinci onenjongo yokuthenga indawo yokuhlala yasePrayimari. Iimbuyekezo zabo zerhafu zibonisa ingeniso encinci ngenxa yeendleko zeshishini, kodwa ukuhamba kwabo kwemali kokwenyani komelele. Ngokuthumela i-P&L eZilungiseleleyo ngokuSelf, bafaneleka ngaphandle komgudu, bekhetha i-7/6 ye-ARM ngokuzinza kwayo kwiRhafu ephantsi. Ukuba ishishini labo liyakhula kwaye bayihlawule imali-mboleko kwangethuba, Akukho Isohlwayo seNtlawulo yaPhambili siqinisekisa ukuba bagcina iingeniso zabo ezininzi.

Imali-mboleko yeP&L eZilungiseleleyo ichaza ngokutsha ukufikeleleka kwe-mortgage. Yakhelwe abo bangayingeniyo imold yesiqhelo, inikezela ngeP&L eZilungiseleleyo kuphela eFunwekayo ngokulula kunye nokuLula ngakumbi ukufaneleka kwemigaqo. Nokuba uphupha unekhaya lasePrayimari, iRetreat yeKhaya leSibini, okanye ithuba loTyalo-mali, le mboleko 5/6 ARM okanye 7/6 ARM iinketho zizisa ukufikeleleka kunye nenkululeko, zonke ngaphandle komthwalo wembuyekezo yerhafu okanye izohlwayo zentlawulo yangaphambili.