Ithini incazelo yomnikelo weqembu elinentshisekelo?
I-Interest Party Contribution (IPC) ibhekisela enkokhelweni Yeqembu Elithakaselayo, noma inhlanganisela yamaqembu, ezindlekweni zomsuka Womboleki, ezinye izindleko zokuvala nezindawo zesaphulelo.Iminikelo yeqembu elinentshisekelo yizindleko ngokuvamile eziyisibopho somthengi wendawo ezikhokhwa ngokuqondile noma ngokungaqondile ngomunye umuntu onentshisekelo yezezimali, noma ezingaba nomthelela emigomeni nokuthengiswa noma ukudluliswa kwesakhiwo sesihloko.
Ubani othathwa njengeqembu elinentshisekelo?
Umdayisi wendawo;Umakhi/umthuthukisi;I-ejenti yezindlu ezithengiswayo noma umthengisi;Inxusa elingase lizuze ekuthengisweni kwendawo ngentengo ephezulu yokuthenga.
Umbolekisi noma umqashi womthengi akathathwa njengengxenye enentshisekelo kulokho okwenziwayo ngaphandle uma esebenza njengomthengisi wendawo noma omunye umuntu onentshisekelo.
Yimiphi imikhawulo ephezulu yeminikelo yeqembu elinentshisekelo?
Ama-IPC adlula le mikhawulo abhekwa njengemvume yokuthengisa.Intengo yokuthengisa yendawo kufanele ilungiswe phansi ukuze ibonise inani lomnikelo elidlula inani eliphakeme, futhi isilinganiso esiphezulu se-LTV/CLTV kufanele sibalwe kabusha kusetshenziswa inani lentengo elincishisiwe noma inani elilinganisiwe.
| Uhlobo Lokuhlala | Isilinganiso se-LTV/CLTV | Inani eliphakeme kakhulu lama-IPC |
| Indawo yokuhlala eyinhloko noma ikhaya lesibili | Ngaphezulu kuka-90% | 3% |
| 75.01% - 90% | 6% | |
| 75% noma ngaphansi | 9% | |
| Impahla yokutshala imali | Zonke izilinganiso ze-CLTV | 2% |
Ngokwesibonelo
Ukuthenga okungu-$250,000 ngeMalimboleko engu-$150,000 kungaba i-Loan to Value Ratio (LTV) engu-60%.
Ku-60% i-IPC ephezulu ingaba ngu-9% yenani lokuthenga, u-$22,500, noma izindleko zokuvala, kuye ngokuthi ikuphi okuncane.
Uma i-IPC, kungaba evela kumdayisi noma i-Realtor, ibizoba ngu-$25,000 ikhredithi izokweqa imikhawulo ye-IPC.Kanjalo, imali engaphezu kuka-$2,500 ingaba yimvume yokuthengisa.Intengo yokuthenga izobhekwa njengo-$247,500 ($250,000-$2,500) futhi umphumela we-LTV ube ngu-60.61%.Lolu shintsho ku-LTV lungathinta imigomo yemalimboleko kwezinye izimo, kodwa akufanele lukubangele ukuthi uthenge umshwalense we-mortgage.
Isikhathi sokuthumela: Jan-21-2022