Kuvamile ukuba ne- imali mboleko eyabiwe nozakwenu, lapho izinkokhelo ezingaguquki kufanele zenziwe ngesikhathi ngasinye esimisiwe. Ngenxa yalokhu, lesi sihloko sichaza izinzuzo zalolu hlobo lwe-mortgage kanye nezingqinamba ezethulayo.
I-mortgage eyabiwe ivumela ukuthi izinkokhelo zenziwe ngezitolimende phakathi kombhangqwana
I-Mortgage eyabiwe
Lapho umbhangqwana uthenga umuzi othile, unethuba lokusebenzisa imali ebolekiwe ehlanganyelwe, njengoba lokhu kuhlanganisa ukusiza ukuthola imali yendlu ebolekwayo ebeka engcupheni encane yokuhluleka ukukhokha imali ebolekiwe, njengoba kucatshangwa ukuthi umbhangqwana unemali ethe xaxa. ukuzinza.
Icala elingathathwa njengelivamile elokuthi imibhangqwana ayihlobene ngomshado, noma ngokubhalisa, kodwa banalo isixhumanisi ngale mali ebolekwayo yendlu. Kulesi sikweletu, kuhlelwa ukuthi umuntu ngamunye akhokhe ingxenye yesikweletu, ngakho inani liyahlukaniswa ukuze umbhangqwana ukwazi ukukhokhela izindleko, izingxenye ezilinganayo noma ukuthi ilungu elilodwa libe nenani eliphakeme.
Uma kuphakama isimo lapho inkokhelo okuvunyelwene ngayo ingenziwanga, umbhangqwana kufanele uzethule ukuze uphendule esikweletini esigcwele, lapho izimpahla nezimpahla abanazo kanye nalezo okuzodingeka zinikeze isabelo esisungulwe kwi-mortgage kufanele kube. ilethiwe.. Ngenxa yalokhu, kunconywa ukuthi ngaphambi kokuqhubeka nale mali ebolekiwe, ube nesibopho kanye nesiqinisekiso sokuthi imali ebekwe ezitolimende ezidingekayo izokhokhwa.
Uma ufuna ukwazi inani langempela lomkhiqizo noma isevisi, ngakho-ke kunconywa ukuthi ufunde isihloko se Amanani wenzalo
Izinzuzo kanye nezinzuzo ze-mortgage
I-mortgage eyabiwe isiza ukuthola imali ebolekiwe kanye nenkokhelo okufanele yenziwe umbhangqwana ngemibandela ethile futhi ikhonjiswe ezinkampanini zamabhange ezihambisanayo. Izinzuzo ezilethwa yilo msebenzi wezezimali zibaluleke kakhulu lapho uthenga ikhaya, yingakho izinzuzo ezibalulekile ezitholwe ngale mali mboleko zizokwethulwa ngezansi:
Amathuba wokufaka ikhredithi
- Ngokusayina i-mortgage eyabiwe, kuba lula ngesikhungo samabhange ukuthi sinikeze i-mortgage
- Amathuba ayanda uma kwenzeka amalungu ombhangqwana eletha uzinzo lwezezimali
- Ngalokhu, kufanele baqinisekise umsebenzi kanye neholo abalitholayo
- Ukuze kuqinisekiswe ukukhokhwa kwemali mboleko ngokwemibandela emisiwe
Ingozi ephansi yokuhluleka ukukhokha
- Kunesimo lapho ilungu lombhangqwana lishiya umsebenzi walo noma ngesizathu esithile lingakwazi ukuqhubeka nokusebenza
- Ukuze uhlangabezane nenkokhelo ye-mortgage, kufanele uncike emalini etholwa yilungu lombhangqwana osasebenza
- Ngale ndlela, ubungozi bokungathobeli inkokhelo kanye nokwethula izinkinga zomthetho buyagwenywa.
Khuphula umthamo wokuboleka
- Esimeni lapho umbhangqwana usebenza futhi unemali engenayo, kungenzeka ukuthi imali ebolekiwe ebolekiwe ehlanganyelwe izokhula kakhulu
- Ngakho ungathola indlu enkulu ngenani eliphakeme
- Imali engenayo yombhangqwana iyengezwa futhi inani elinganikezwa liyahlaziywa
- Kufanele ihlangabezane nombandela wokuthi imali ebolekiwe ingeqi ku-35% wemali engenayo yombhangqwana
Ukungalungi kanye nezinkinga ezivezwa yi-mortgage
Njengoba nje imali ebolekiwe ehlanganyelwe inezinzuzo nezinzuzo eziningi, iphinde ibe nokubi okwenzeka ngokuyinhloko lapho umbhangqwana ungasaqhubeki nobudlelwano, kodwa ngokomthetho kufanele baqhubeke nezinkokhelo zemali mboleko enikeziwe. Kungakho okulandelayo kuyimibi esemqoka engenzeka kulezi zimo:
Izinkinga zokukhokha izindlu
- Kukhona ithuba lokuthi imali engenayo etholakala ilungu elilodwa lombhangqwana ayikwazi ukuhlangabezana nezindleko zezitolimende phakathi nezikhathi ezimisiwe.
- Kukhona ithuba lokuthi noma bengaqhubeki njengombhangqwana, bobabili bagcina izinkokhelo ezihambisanayo baze bafeze isikweletu esitholwe emalini ebolekiwe.
- Kungafinyelelwa esivumelwaneni nebhange ukuze kusungulwe imigomo emisha noma kutholakale isixazululo ngebhizinisi nekhasimende.
- Enye indlela ukuthi ngemva kokukhokha isikweletu ngokugcwele, kufunwa enye inqubo yomthetho ukuze kubonakale ukuthi ubani ogcina indlu.
- Ngokulandelayo, ungakwazi ukuxoxisana nomuntu ukuze ugweme izinkinga ezingokomthetho futhi unqume ukuthi ubani ozogcina indlu noma ukuthi izodayiswa yini.
Inkinga yokuphuma emalini ebolekiwe
- Ubunzima buvela ngesikhathi lapho ubunikazi be-mortgage kufanele buqedwe
- Lokhu kungenxa yokuthi ibhange lilahlekelwa iziqinisekiso zokukhokha isikweletu semalimboleko
- Kulezi zimo, kufanele ukhulume nebhange futhi uthole isisombululo, njengoba imali enikeziwe kufanele ikhokhwe, kodwa ngenxa yezimo ezihlukahlukene, isivumelwano singafinyelelwa esizuzisa iklayenti.
Uma imali mboleko iceliwe futhi izokhokhwa ngediphozithi, ngakho-ke kunconywa ukuthi ufunde isihloko se Idiphozi yasebhange
Inqubo yokuphuma kwi-mortgage
Lapho umbhangqwana ungaqhubeki ebuhlotsheni, izinkinga eziningi ziphakama ngokuphathelene ne-mortgage eyabiwe, ngakho-ke ngokuvamile kufunwa ukuphuma kule mboleko, le nqubo iyinkimbinkimbi kakhulu. Lokhu kungenxa yokuthi izinhlangano zamabhange azivumi kalula ukulahlekelwa umnikazi we-mortgage ekubeni ukukhokha imali ebolekiwe kulahleka.
Akubalulekile ukuthi lowo muntu angabi umnikazi wendlu kodwa angabe esaba umnikazi we-mortgage, okudala izinkinga zomthetho nezikhungo zomthetho ezihlukahlukene. Kungakho okulandelayo kuyizinyathelo okufanele zilandelwe ukuze uphume emalini ebolekiwe ehlanganyelwe ngaphandle kwenkinga yezomthetho:
- Into yokuqala okufanele uyenze ukuthengisa indlu
- Uma kwenzeka kungekho lungu lombhangqwana ofisa ukugcina indlu, ingadayiselwa omunye umuntu.
- Kubhekwa njengendlela elula yokugwema izinkinga nombhangqwana noma nebhange.
- Ngemali yokudayiswa kwendlu, isikweletu se-mortgage siyakhokhwa
- Enye indlela engalandelwa iwukuthenga enye ingxenye yendlu elinye ilungu lombhangqwana elinayo
- Ngalokhu kufanele ukhokhe ingxenye yemali ehambisanayo ukuze ukwazi ukugcina indlu
- Inketho ebuye inconywe ukwenza ukushabalala kwe-condominium
- Ngale ndlela, amalungelo omuzi adluliselwa kwelinye ilungu lombhangqwana