Ukuvula ubunini-zindlu: iNkcazo yeBhanki yeMali-mboleko kubaboleki abaziqeshileyo

Kubantu ababolekayo abazisebenzelayo, ukufumana imali yokubambisa kunokuziva ngathi ngumlo onyukayo. Ababolekisi bemveli bakholisa ukufuna imbuyekezo yerhafu kunye ne-stubs, engasoloko ibonisa amandla okwenene emali yomnini weshishini. Ngenisa i-Bank Statement Loan-indlela yokutshintsha umdlalo eyenzelwe ngokukodwa ababoleki abazisebenzelayo abafuna enye indlela yokubonisa ingeniso yabo. Ngaphandle kweembuyekezo zerhafu ezifunekayo, le mali mboleko ixhobisa oosomashishini ukuba babonise umboniso waboUkuhamba KWEMALIusebenzisa iziteyitimenti zebhanki endaweni yoko.

Ingxelo yeBhanki yeMali mboleko ivumela ababolekisi ukuba bahlole iinyanga ezili-12 zeengxelo zebhanki zomntu okanye zeshishini, enika umfanekiso ocacileyo wengeniso yomboleki ngaphandle kokuxhomekeka kwingeniso eshiyekileyo evela kwiimbuyekezo zerhafu. Oku kufanelekile kubaboleki abaziqeshileyo abaxhuzulwa irhafu yabo inokuthoba imivuzo yabo exeliweyo kodwa ingekuko ukukwazi kwabo ukuhlawula imali-mboleko. Nokuba ungumntu osebenza ngokukhululekileyo oneefomu ze-1099 okanye ungumnini weshishini onengeniso eguquguqukayo, le ndlela iyenza lula ipro.EZIs.

Enye inzuzo engundoqo kukuguquguquka kwayo kunye nomlinganiselo wetyala-kwingeniso. Ngokungafaniyo neemali-mboleko zemveli ezifikelela kwi-DTI kuma-50%, iiMali-mboleko zeNgxelo yeBhanki zamkela i-DTI engaphaya kwama-50%, ezivumela ababoleki abazisebenzelayo kunye neendleko eziphezulu zoshishino kodwa ukungena kwemali okuqinileyo. Oku kuyenza ilungele abo banenyani yezemali ingahambelani nemigangatho eqhelekileyo yokuboleka imali.

Ngaphaya kokuguquguquka, iiMali-mboleko zeNgxelo yeBhanki zibonelela ngeempawu ezisebenzayo. Izixa-mali mboleko zisuka kwi-150,000 yeedola ukuya kwi-3.5 yezigidi zeedola, kunye namanqaku asezantsi etyala angama-660. Ziyafumaneka ukuze zithengwe, zikhuphe imali, okanye ziphinde zihlawulwe ngexabiso lexesha kumakhaya ahlala abanini, amakhaya esibini, okanye kwiipropathi zotyalo-mali-kubandakanywa nee-condos ezingenawaranti. Ababoleki abazisebenzelayo banokukhetha ireyithi emiselweyo yeminyaka engama-30 okanye bade bakhethe isicwangciso sentlawulo yeNzala Kuphela. Ngaphezu koko, unokuvala phantsi kwegama leshishini, ukugcina imali yobuqu kunye neyeshishini yahlukileyo.

Kwabo baneengxaki zemali ezidlulileyo ezifana nokubhanga okanye ukuvalwa, iiMali-mboleko zeBhanki zibonelela ngendlela eya phambili ukuba ezi ziganeko zineminyaka emithathu ubuncinci. Akukho zimbuyekezo zerhafu ezifunekayo kuthetha ubunzima obuncinci, kwaye inketho ye-1099 yongeza ukuguquguquka okungakumbi kwiikontraka ezizimeleyo.

Ngokufutshane, iiMali-mboleko zeBhanki ziguqula ubunini-zindlu kubaboleki abazisebenzelayo. Ngokujolisa kwiingxelo zebhanki kunye nokwamkela i-DTI engaphaya kwe-50%, le mveliso ivula iingcango ezithi zivale iimali-mboleko zemveli. Ukuba ungumnini-shishini ofuna imali-mboleko ebonisa impilo yakho yokwenyani yezemali, oku kunokuba sisitshixo sakho kwimpumelelo.

Ubalo lwegama elingundoqo: Ingxelo yeBhanki, Ababoleki abaziSebenzileyo, Akukho Mbuyiselo yeRhafu ifunekayo, Uxwebhu olupheleleyo, i-1099, i-DTI Eyodlula i-50% eyamkelweyo