Ukutyhilwa kwamandla e-P&L eZilungisiweyo ze-P&L Mortgages

Kumhlaba oguquguqukayo wokubolekwa kwezindlu, iSelf Prepared P&L mortgage iye yavela njengomtshintshi-mdlalo. Olu khetho lwenkxaso-mali olutsha, olufuna kuphela ingxelo yeNzuzo eZilungiseleleyo kunye neLahleko (P&L), iguqula indlela yokufikelela kubaboleki.Imali mboleko yezindlu.

Olona ncedo lubalulekileyo lwe-Self Prepared P&L mortgage kukusebenza kwayo kwiintlobo ezahlukeneyo zeepropathi. Nokuba uphupha ngendawo yokuhlala epholileyo, ikhaya lesibini eliphumlileyo, okanye iluI-CRAIpropathi yotyalo-mali, le mali yokubambisa inokuguquguquka ukuxhasa iminqweno yakho. Oku kuthetha ukuba abatyali-mali banokwandisa iiphothifoliyo zabo, ngelixa abaninimzi benokuphucula okanye baguqule iindlela zabo zokuhlala ngokulula.

Ukungabikho kwemfuneko yokubuyisela irhafu yenye intsiba kwi-cap yayo. Zimnkile iintsuku zokuhluza iimfumba zamaxwebhu erhafu kunye nexhala malunga nokuhlangabezana neendlela ezingqongqo zokuqinisekisa umvuzo. Nge-P & L eZilungiseleleyo, ababoleki banokwenza lula inkqubo yesicelo, ukonga ixesha kunye nokunciphisa uxinzelelo. Le ndlela ilungelelanisiweyo ivumela amava okuboleka asebenzayo kwaye asebenziseka lula.

Ngaphaya koko, ukunqongophala kwesohlwayo sentlawulo yekhadi yeyona nto ibalulekileyo. Inika ababoleki inkululeko yokuhlawula imali-mboleko yabo kwangoko ngaphandle kokufaka nayiphi na imali eyongezelelweyo. Oku bhetyebhetye kunokubangela ukonga kakhulu ebomini bemali-mboleko, njengoko ababoleki banokuthatha inzuzo yemali eyongezelelweyo okanye utshintsho kwimeko yabo yezemali ukunciphisa amatyala abo ngokukhawuleza.

Umtsalane wezinga eliphantsi lolunye uphawu olunyanzelisayo. Inzala ephantsi ithetha iintlawulo eziphantsi zenyanga, nto leyo eyenza ukuba ubuninimzi bufikeleleke kwaye bufikeleleke. Le nto ifikelelekayo inokuvula iingcango kubathengi bokuqala okanye abo bajonge ukuphucula ngaphandle kokwelula uhlahlo lwabiwo-mali lwabo oluncinci kakhulu.

Ukufaneleka kwi-Self Prepage P&L mortgage nako kufumaneka ngakumbi. Nokuba imbali yakho yetyala ayigqibelelanga okanye imeko yakho yezemali inzima kancinci, usenethuba elihle lokuvunywa. Oku kubandakanywa kwinkqubo yokubolekisa ngemali kuqinisekisa ukuba uluhlu olubanzi lwabantu ngabanye banokufezekisa amaphupha abo okuba ngabaninimzi.

Ngeenketho ezifana ne-5/6 ye-ARM kunye ne-7/6 ye-ARM, ababoleki banokwenza izicwangciso zabo zentlawulo zilungele iinjongo zabo zezimali ezizodwa. Ezi ntlawulo-mali mboleko ezilungelelanisiweyo zinika ithuba lokusebenzisa amaxabiso aphantsi okuqala, kunye nokuguquguquka ukulungelelanisa njengoko iimeko zemarike zitshintsha. Nokuba ucwangcisela uzinzo lwexesha elifutshane kwezemali okanye ukukhula kotyalo-mali lwexesha elide, kukho i-ARM enokukusebenzela.

Ukuqukumbela, iSelf Prepage P&L mortgage sisixhobo esinamandla kwihlabathi lezemali zezindlu. Ukudityaniswa kwayo bhetyebhetye, ukulula, kunye nokufikeleleka kwenza ukuba ibe lolona khetho lufanelekileyo kubaboleki abafuna ukwenza eyona ndlela yohambo lwabo lobunini bezindlu.