Los iintlobo zemboleko-mali esiya kuyibona ngokulandelayo, iqwalaselwa kwinkqubo yezemali njengesixhobo senkxaso kunye nokukhuselwa kumxhasi nakumaziko ebhanki. Sukuphoswa yiyo.
iintlobo zemboleko-mali
Xa sizama ukuchaza ukuba zingaphi iintlobo ze-mortgage, sifumana uluhlu lwezixhobo zemali ekugqibeleni zinento efanayo. Bamela isivumelwano esisayinwayo ukuze kufumaneke imali yebhanki ukuze kufumaneke ikhaya yaye kwezinye iimeko iimpahla ezithile.
Iindidi ze-mortgage zinoluhlu lwezinto ezibabonakalisa omnye komnye, kodwa zinezinto ezithile ezifanayo. Phakathi kwabo isiqinisekiso semali-mboleko leyo, kwiimeko ezininzi, yipropati ngokwayo. Ukuze ihlale ezandleni zomboleki-mali ngelixa ekwazi ukurhoxisa i-mortgage ngokwayo.
Emva koko siza kubona ukuba zezantoni na iintlobo ze-mortgage, ethi kwamanye amazwe inegama elahlukileyo kodwa ngokusisiseko igcina imiba yazo ephambili. Ezi zinkunzi, inzala, ixesha kunye nesiqinisekiso. Iimali-mboleko zezindlu zinokudityaniswa ngokwezinga lenzala, uhlobo lwesavenge, uhlobo lomthengi kunye nohlobo lwepropathi. Kodwa ngokuqhelekileyo ihlelwa ngokwezinga lenzala, esiza kulibona ngezantsi.
inzala esisigxina
Olu hlobo lwe-mortgage luneenkcukacha zokugcina izavenge ezisisigxina, azihlukanga kulo lonke ixesha lokuhlawula. Izinzile kwaye ayichaphazeli ukuguquguquka kwezoqoqosho kweli lizwe njengokunyuka kwamaxabiso kunye nokunyuka kwenzala. Nangona kunjalo, ukuba yinzala emiselweyo, ihlala igcina izavenge ziphezulu kancinci kunezinye iimali mboleko.
Ngakolunye uhlangothi, i-amortization ye-partial and total amortization iphezulu, ukwenzela ukuba ukuba umxhasi unqwenela ukuyicima ngokupheleleyo, kuya kuba yindleko eninzi kakhulu, oku kube yinto engafanelekanga yolu hlobo lwe-mortgage.
Nangona kunjalo, kwinqaku elilandelayo uya kuba nakho ukwazi ezinye iinguqulelo zeentlobo ze-mortgage I-Mortgage Novation
umdla oguquguqukayo
I-mortgage iqwalaselwa apho izavenge zihlala zitshintshile kodwa zahluka ngokwemali yazo; Iiyantlukwano zisetyenziswa ngokuxhomekeke kwizinga lenzala eyenzeka xa uhlaziyo lwenziwa. Olu hlobo lwe-mortgage luxhomekeke kakhulu kwiiyantlukwano zenzala ephathwayo kwimarike, ukuba iyahla, izavenge nazo zihla.
Ngokuchasene noko, ukuba izinga lenzala liyenyuka kwimarike, izavenge nazo ziya kunyuka. Nangona kunjalo, i-mortgage ye-mortgage eguquguqukayo inexesha elide le-amortization, banokufikelela kwiminyaka engama-40 (kuxhomekeke kuhlobo loqoqosho kunye nelizwe apho inkqubo iqhutyelwa khona), kunye nokwahluka kweekhomishini eziphantsi xa kuthelekiswa nezisisigxina.
uhlobo oluxubileyo
Indlela le mboleko inikezelwa ngayo kumxhasi ivumela izinga lenzala esisigxina ukuba lidityaniswe nexabiso lenzala eguquguqukayo. Umsebenzi wayo ubandakanya ukugcina iminyaka yokuqala yokuhlawula amatyala ngezavenge ezisisigxina kodwa kugcinwe inzala eguquguqukayo ngokwesalathiso sereferensi yezemali.
Umxhasi kufuneka ayifunde le ndlela kakuhle, kuba enexesha elide kakhulu le-amortization, nawuphi na umahluko kwiindleko zombutho okanye ezinye, unokugqiba ukonyuka okukhulu kwisixa sesavenge sexesha elide. Siyakumema ukuba ufunde ngakumbi ngalo mbandela ngokufunda inqaku imali-mboleko ekwabelwana ngayo
Ukuqwalaselwa
Izixa-mali ezisetyenziselwa ukuxhasa ngezimali iintlobo ze-mortgage kwiimeko ezininzi zingaphantsi kwexabiso lepropati. Le yinto ebalulekileyo ekufuneka wonke umxhasi onetyala ayithathele ingqalelo. Xa kuqatshelwa ukuba inzala yipesenti eguquguqukayo, umtyali kufuneka ahlawule isixa ngokwemali eyinkunzi efunyenweyo.
Njengoko sele sibonile, inokwahluka, kuba iimeko zokuhlawula ziyaguquguquka ngokuxhomekeke kwixesha apho i-mortgage ngokwayo iza kuhlawulwa ngayo. Le miba kufuneka ithathelwe ingqalelo ngababoleki bexesha elizayo, abathi, ngokuxhomekeke ekuqwalaseleni kwabo, banokukhetha ukufumana i-mortgage okanye ukuyishiya.
Iimpawu zeentlobo ze-mortgage
I-mortgage sisixhobo semali esithi emva kokuba siyifumene kwaye siyisayine ibe lunyanzeliso. Inkqubo isebenza xa umboleki kufuneka abuyisele imali eceliwe yokufumana into, ngeendleko zokuhlawula inzala. Funda ngakumbi malunga nesi sihloko ngokucofa kwikhonkco elilandelayo Inzala yemali
Nangona kunjalo, iimeko kunye nenkqubo iba yinto emiselayo kuxanduva lomntu onetyala lokuyicima. Kule nto, iintlobo ze-mortgages zineempawu kunye nezinto ekufuneka zithathelwe ingqalelo, makhe sibone:
Inkunzi
Imele isixa-mali esibonelelwa liqumrhu lezemali njengemali-mboleko kumxumi onetyala lokubambisa. Ngokubanzi, imali eyinkunzi ingaphantsi kwexabiso lokwenyani lepropati efunyanwayo. Le mali kufuneka ihlawulwe kunye nenzala yekomishoni efunyanwa liqumrhu ngemali mboleko yemali kunye neenkonzo ezinikezela kumntu onetyala.
uhlobo lwetyala
Kukho iinkqubo ezahlukeneyo zokubonelela ngetyala lemali mboleko, inkqubo yesiFrentshi, iMelika kunye neJamani. Aba bathathu banempatho eyahlukileyo ngokubhekiselele kwiindidi zokuboleka imali, nangona kunjalo bahluke kwezinye iinkalo.
IsiFrentshi
Le modeli isebenzisa iindidi ezimbini ze-mortgage esisigxina, nangona kunjalo ngamanye amaxesha isebenzisa uhlobo oluguquguqukayo lwe-mortgage. Ibandakanya ukurhoxisa inzala ngexesha lezavenge zokuqala, oku kukhokelela ekuthatheni ingqalelo iqondo lenzala kunye nenkunzi esetyenzisiweyo esalindiweyo i-amortiation.
Ngoko ke inzala eninzi ihlawulwa kwintshukumo nganye yezavenge ngexesha leminyaka yokuqala. Emva koko, njengoko ixesha lihamba, iifizi zivame ukuhla.
Amelika
Le fom ivumela inzala ukuba ihlawulwe ngamaxesha, ngokungafaniyo nendlela yesiFrentshi, izavenge azihlawulwa nge-capital, oku kufuneka kuhlawulwe kwintlawulo enye eyenziwa ekupheleni kwexesha. Izavenge ezicinyiweyo zisekelwe kuphela kwinzala ukuze zilungiswe kwaye zingaguquguquki.
IsiJamani
Inkqubo ye-mortgage yaseJamani isebenzisa ixabiso lezavenge ngendlela edibeneyo, oko kukuthi, isebenzisa i-amortization rhoqo ye-capital kunye nenzala. Ezi zibalwa kwibhalansi ye-akhawunti. Yinkqubo esetyenziswa kumazwe amaninzi kwaye imirhumo iyehla.
Ulwazi olongezelelekileyo
Iindidi ze-mortgage ziqwalaselwa kwezinye iinkampani zemali njengesixhobo esinokusetyenziselwa ukuxhasa ngemali ezinye ii-asethi ezihlawulelwa irhafu. Oko kukuthi, kunokubakho iimali-mboleko zezithuthi, ukuthengwa kwendawo yorhwebo kunye nezakhiwo zoshishino. Indlela yokuboleka imali kunye neemeko zineempawu ezifanayo.
Umkweliti uyavuma ukuhlawula izavenge ngokwemiqathango kunye neentlobo zokubambisa. Ngokubhekiselele kwiimali mboleko ezisekelwe kwisithuthi, ziphathwa njengemali mboleko yezindlu okanye iimali-mboleko zezithuthi.