10/18/2023

Ukukhetha uhlobo olufanele lwe-mortgage kuyisinqumo esibucayi esingaba nomthelela omkhulu ekusaseni lakho lezezimali.Izinketho ezimbili ezidumile i-fixed-rate mortgage (FRM) kanye ne-adjustable-rate mortgage (ARM).Kulo mhlahlandlela, sizohlola umehluko oyinhloko phakathi kwalezi zinhlobo ezimbili zempahla yezindlu futhi sinikeze imininingwane yokuthi ungenza kanjani ukukhetha unolwazi ngokusekelwe esimweni sakho sezezimali esiyingqayizivele.

Ukuqonda Imali Ebolekiwe Yesilinganiso Esimisiwe (FRM)

Incazelo

I-mortgage enesilinganiso esinqunyiwe wuhlobo lwemalimboleko lapho izinga lenzalo lihlala linjalo kuso sonke isikhathi semalimboleko.Lokhu kusho ukuthi uthishanhloko wakho wanyanga zonke kanye nezinkokhelo zenzalo zihlala zingashintshile, zinikeza ukubikezela nokuzinza.

Izinzuzo

1. Izinkokhelo Ezibikezelwayo: Ngemali ebolekiwe enesilinganiso esimisiwe, izinkokhelo zakho zanyanga zonke ziyabikezelwa futhi ngeke zishintshe ngokuhamba kwesikhathi, okwenza kube lula ukwenza isabelomali.
2. Ukuzinza Kwesikhathi Eside: Kunikeza ukuzinza kwesikhathi eside nokuvikelwa ekuguquguqukeni kwezinga lenzalo.
3. Kulula Ukuqonda: Kulula futhi kuqondile, okwenza kube lula kubaboleki ukuqonda imigomo yemalimboleko yabo.

Ububi

1. Izilinganiso Zokuqala Eziphakeme: Izimali ezibolekiwe ezinesilinganiso esingaguquki zivame ukuza nezinga eliphezulu lenzalo yokuqala uma liqhathaniswa namazinga okuqala emali ebolekiwe enenani elilungisekayo.
2. Ukuvumelana nezimo okuncane: Ukuvumelana nezimo okuncane uma kuqhathaniswa nezikweletu zesilinganiso esilungisekayo uma amanani enzalo ehla.

Ukuqonda Izimali Zokuthenga Ezithengiswayo Ezishintshayo (ARM)

Incazelo

I-mortgage enezinga elilungisekayo yimalimboleko enenani lenzalo elingashintsha ngezikhathi ezithile.Izinguquko zivame ukuboshelwa kunkomba yezimali eyisisekelo futhi zingaphansi kokulungiswa ngezikhathi ezithile ngokusekelwe ezimeni zemakethe.

Izinzuzo

1. Izilinganiso Zokuqala Eziphansi: Ama-ARM ngokuvamile eza namazinga enzalo okuqala aphansi, okuholela ezinkokhelweni eziphansi zanyanga zonke.
2. Amathuba Okuthola Izinkokhelo Eziphansi: Uma amanani enzalo ehla, ababoleki bangase bazuze ezinkokhelweni eziphansi zanyanga zonke.
3. Ukonga Kwesikhathi Esifushane: Kunganikeza ukonga kwesikhathi esifushane uma kuqhathaniswa nezikweletu zesilinganiso esigxilile, ikakhulukazi endaweni enenzalo ephansi.

Ububi

1. Ukungaqiniseki Kwenkokhelo: Izinkokhelo zanyanga zonke zingashintshashintsha, okuholela ekungaqinisekini nasezinkokhelweni ezingase zibe phezulu uma izinga lenzalo likhuphuka.
2. Ubunkimbinkimbi: Ubunkimbinkimbi bemali ebolekiwe yesilinganiso esilungisekayo, nezinto ezifana nezilinganiso zokulungiswa kanye nezilinganiso zenkomba, kungase kube inselele kwabanye ababolekayo ukuba bakuqonde.
3. Ingozi Yesilinganiso Senzalo: Ababoleki babhekana nobungozi bokwenyuka kwezilinganiso zenzalo ngokuhamba kwesikhathi, okuholela ezindlekweni zizonke eziphakeme.

Izinto Okufanele Uzicabange Esinqumweni Sakho

1. Imigomo Yezezimali

• I-FRM: Ifanele labo abafuna ukuzinza kwesikhathi eside nezinkokhelo ezibikezelwayo.
• I-ARM: Ifanele abantu abanethezeke ngezinga elithile lokungaqiniseki kwenkokhelo kanye nokufuna ukonga izindleko zesikhashana.

2. Izimo Zemakethe

• I-FRM: Kukhethwa endaweni enenzalo ephansi ukukhiywa ngenani elivumayo.
• I-ARM: Icatshangelwa uma izilinganiso zenzalo zilindeleke ukuthi zihlale zizinzile noma zehle.

3. Ukubekezelela Ingozi

• I-FRM: Ilungele labo abanokubekezelela ubungozi obuphansi abafuna ukugwema ukuguquguquka kwezinga lenzalo.
• I-ARM: Ifanele abantu abanokubekezelela ingozi ephezulu abakwazi ukuphatha ukukhushulwa kwenkokhelo okungaba khona.

4. Ubude Bobunikazi

• FRM: Ilungele labo abahlela ukuhlala ezindlini zabo isikhathi eside.
• I-ARM: Ingase ifanele izinhlelo zobunikazi bezindlu zesikhathi esifushane.

5. Okulindelekile Kwezinga Lenzalo Yesikhathi esizayo

• FRM: Lapho amanani enzalo ngokomlando ephansi noma kulindeleke ukuthi anyuke ngokuzayo.
• I-ARM: Uma izilinganiso zenzalo zizinzile noma kulindeleke ukuthi zehle.

Isiphetho

Ekugcineni, ukukhetha phakathi kwe-mortgage yezinga elimisiwe kanye ne-mortgage yezinga elilungisekayo kuncike ezimweni zakho ngazinye, imigomo yezezimali, nokubekezelela ubungozi.Ukuhlola izimo zemakethe zamanje kanye nokucabangela ngokucophelela izici ezishiwo ngenhla kuzokunika amandla okwenza isinqumo esinolwazi esihambisana nempilo yakho yesikhathi eside yezezimali.Uma ungaqiniseki, ukubonisana nochwepheshe bezezindlu kunganikeza imininingwane ebalulekile ehambisana nesimo sakho esithile.Khumbula, imali ebolekiwe efanele umuntu oyedwa ingase ingabi ngcono kakhulu komunye, ngakho-ke zinike isikhathi sokuhlola izinketho zakho bese ukhetha leyo ehambisana nezidingo zakho eziyingqayizivele kanye nezintandokazi zakho.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.