ukubhuka mortgage

0
864

Indawo yokubhuka isetshenziselwa ukugcina inzalo yesithakazelo isikhathi esithile ngaphandle kwesibopho sokuthatha imali empeleni. Ibhange linikeza isibambiso ngenani elithile lesithakazelo ukuze abafunayo bempahla bangabonakali engozini yokushintsha kwezinga lentengo. Umklomelo ozayo ongenakho ungakayifaki isivumelwano sesikolodo, kepha izinga lokubamba inzalo liqinisekisiwe ngempahla yokubhuka. Lokhu kuyasiza kakhulu uma ukukhuphuka kwezinga lesithakazelo kuzolindeleka maduzane, kodwa akukho ndawo engakayitholakali. Yiqiniso, akunakwenzeka ukuphetha isikweletu esibophezelayo, ngoba esimweni esinjalo isigwebo esingekho sokwamukelwa sisongelwa, uma kwenzeka kungekho ukuthenga okwenziwe esikhathini esizayo. Izinga lesithakazelo sokuxhaswa kwempahla livela ku Inani eseduze Ngenxa yalesi sizathu, imali yokubhuka ayinikezwa yiwo wonke amabhange ngoba isilinganiso senzalo asikwazi ukubalwa ngaphandle kwempahla ehambelanayo.

Yiziphi izinzuzo noma ukungalungi kwendawo yokubhuka?

I-hive yokubhuka ivikela inzalo kwimali yokukhokhela imali kuze kuphele isiphetho sokukhishwa noma sokuthenga. Ukwenyuka kwezinga lesithakazelo sehafu yesilinganiso sephesenti kungenza isikweletu se-150 000 Euro sibize kakhulu kuze kufike ku-9 000 Euro, uma ukulungiswa kwezinga lesithakazelo kulungiswa iminyaka eyishumi. Ngehhovisi lokubhuka, kungenzeka ukuthi ulondoloze imali ngoba ukwanda kwezinga lesithakazelo kungaholela ekutheni inani lemalimboleko lemali eliphakeme kakhulu. Okunye okuzuzayo kusekelwe eqinisweni ukuthi ngokuvamile ayikho inzalo ethintekayo. Obolekayo ukhululekile esinqumweni sakhe sokuthi noma empeleni uthatha imali mboleko ekuthengeni kwesikhashana esizayo. Uma izinga lesithakazelo liwile ngesikhathi sokubhuka, singenza isipho esivela kakhulu ebhange elifanayo noma sishintshele ebhange elihle nakakhulu. Ngaphezu kwalokho, izinga lesithakazelo ehhovisi lokubhuka lihleliwe, uma liwela kamuva, inzuzo yenzalo yenzalo ayinakusetshenziswa ngokuya ngenkontileka. Kuvidiyo

idatha eyisisekelo esitolo sokuhlanza ukubhuka ichazwa. Okungalungile ukuthi abantu abazimele nababolekayo abaphansi ukulingana Thola izinkinga futhi ungatholi indawo yokubhuka.

Imakethe yezimpahla eJalimane ihlala isendaweni

Emadolobheni amakhulu nezindawo zokuhlala ezikhethwayo nasezikhungweni ezidumile zezivakashi, kunabantu abaningi abazoba ngamakhasimende abafuna indawo entsha. Imibhangqwana eshadile encane ibhekene nezindleko eziphezulu zendawo yokuhlala futhi ingasindisa imali ngezimali zendlu yazo ngesitolo sokubhuka. Abathengi bezimali zekhaya abagcini nje ngokucindezelwa okukhulu okuncintisana, kodwa futhi nangokwenyuka kwezinga lentengo. Izinhlobo ze-Flexible zezimali, ezifana nesitolo sokuhlanza ukubhuka, yisibonelo salokhu; ukuthi isimiso: kuqala impahla bese loan yemizi kungabuye kuguqulwe. Imalimboleko yokubhuka yenza kube lula kulabo abacabanga ukuzuza ikhaya, bangalondoloza isikweletu esifanele kuze kube izinyanga eziyisithupha mahhala. Ulwazi oluqondile mayelana nokuthengwa kwempahla, njengokungathi uhlobo lomhlaba (isib. Indlu noma indlu), indawo kanye nokwakhiwa kwempahla yesikhathi esizayo kuyisisekelo sokubalwa kwesithakazelo esilandelayo esibalwe ngemuva konyaka wonyaka. Bobabili amaqembu (ibhange kanye nombolekayo) avumelana ngokukhetha ukuphetha isivumelwano sesikolodo. Uma nje le mboleko ichithekile, isimangalo somboleki esikhaleni sezwe siqinisekiswe ukubhaliswa kwemali yokubolekwa kwempahla noma indawo yokubolekwa kwempahla.

Awekho amavoti okwamanje.
Sicela ulinde ...