Iminyaka engu-30 yemali ebolekiwe enesilinganiso esinqunyiwe iyinketho edumile nehlala njalo yabathengi bezindlu abafuna ukuzinza nokubikezela ezinkokhelweni zabo zenyanga zonke.Kulo mhlahlandlela obanzi, sihlola izici, izinzuzo, nokucatshangelwa okuhlotshaniswa nemali mboleko yeminyaka engu-30 yesilinganiso esinqunyiwe, esihlinzeka ngemininingwane ebalulekile kulabo abazulazula kumhlaba wokuxhasa ngezimali.

Izici Eziyinhloko Zemali Ebolekiwe Yesilinganiso Esimisiwe Yeminyaka Engu-30

1. Izinga Lenzalo Elingaguquki

Isici esichazayo semali ebolekiwe yesilinganiso esinqunyiwe seminyaka engu-30 izinga layo lenzalo elizinzile nelingaguquki kuyo yonke inkathi yemalimboleko.Lokhu kuvumelana kunikeza ababoleki ukubikezelwa ezinkokhelweni zabo zanyanga zonke, okwenza kube lula ukuhlela isabelomali nokuhlelela isikhathi eside.

2. Isikhathi Esandisiwe Sokubolekwa

Ngeminyaka engu-30, le nketho ye-mortgage inikeza isikhathi esinwetshiwe sokukhokha uma kuqhathaniswa nezikweletu zesikhathi esifushane.Nakuba lokhu kusho ukukhokha inzalo esikhathini esinwetshiwe, kuphinde kuphumele ezinkokhelweni eziphansi zanyanga zonke, okwenza ubunikazi bezindlu bufinyeleleke kalula kuhlu olubanzi lwabantu ngabanye.

3. Izinkokhelo Zanyanga Zonke Ezivumelana Nesabelomali

Isikhathi sokubolekwa esinwetshiwe sinomthelela ezinkokhelweni ezithengekayo zanyanga zonke, okuyinzuzo enkulu kubathengi abanezindlu ezinezingqinamba zesabelomali.Izinkokhelo eziphansi zanyanga zonke ezihambisana neminyaka engu-30 yemali ebolekiwe yezinga elimisiwe zingakhulula izinsiza zezezimali kwezinye izinto ezibalulekile, okuthuthukisa ukuguquguquka kwezimali okuphelele.

4. Ukuzinza Kwezinga Lenzalo

Ukuzinza kwesilinganiso senzalo kuvikela ababoleki ekuguquguqukeni ezimakethe.Nakuba izilinganiso zenzalo ku- adjustable-rate mortgages (ama-ARM) zingase zikhuphuke noma zehle nezimo zemakethe, izinga eligxilile lemali ebolekiwe yeminyaka engu-30 lihlala linjalo, linikeza ababoleki umuzwa wokuphepha kwezezimali.

5. Izinzuzo Zentela Engaba Khona

Inzalo ekhokhwa esikweletini ngokuvamile idonswa intela, futhi izinkokhelo zenzalo ezingashintshi phakathi nesikhathi seminyaka engu-30 zingaba nomthelela ezinzuzweni zentela ezingaba khona kubanikazi bezindlu.Kuyatuseka ukuthintana nochwepheshe bentela ukuze uqonde imithelela ethile ezimweni zezimali ngazinye.

Izinzuzo ze-Mortgage Yesilinganiso Esimisiwe Yeminyaka engu-30

1. Ukuzinza kanye Nokubikezela

Inzuzo eyinhloko yemali mboleko yeminyaka engu-30 yesilinganiso esinqunyiwe ukuzinza nokubikezela ekunikezayo.Abathengi basekhaya bayazuza ngokwazi ukuthi izinkokhelo zabo zezindlu ezibolekiwe zizohlala zingashintshile phakathi nesikhathi semali mboleko, okuhlinzeka ngezinga lokuphepha kwezezimali.

2. Izinkokhelo Zanyanga Zonke Eziphansi

Isikhathi semalimboleko esandisiwe siholela ezinkokhelweni eziphansi zanyanga zonke uma kuqhathaniswa nezikweletu zesikhathi esifushane.Lokhu kufinyeleleka kunenzuzo ikakhulukazi kulabo abaqalayo ukuthenga izindlu noma labo abanezingqinamba zesabelomali.

3. Ukuhlela Kwesikhathi Eside

Isikhathi seminyaka engama-30 sivumela ukuhlela izimali zesikhathi eside.Ababolekayo bangakwazi ukuhlela izimali zabo ngokuzethemba, bazi ukuthi izinkokhelo zabo zezindlu ezibolekayo zizohlala zilawuleka phakathi nesikhathi esinwetshiwe sokukhokha.

4. Ukufinyeleleka Okubanzi

Izinkokhelo eziphansi zanyanga zonke zenza ubunikazi bezindlu bufinyeleleke kuhlu olubanzi lwabantu ngabanye.Lokhu kufinyeleleka kunenzuzo ikakhulukazi ezimakethe zemizi lapho amanani ezindlu engase abe phezulu, okuvumela abantu abaningi ukuba bangene emakethe yezindlu.

Ukucatshangelwa kanye Nezingqinamba Ezingenzeka

1. Isamba Senzalo Ekhokhwa Ngokuhamba kwesikhathi

Nakuba izinkokhelo zanyanga zonke eziphansi zinenzuzo, kubalulekile ukucabangela inzalo ephelele ekhokhwayo esikhathini seminyaka engama-30.Ababoleki bazokhokha inzalo ethe xaxa uma kuqhathaniswa nezindlu ezibolekiwe zesikhathi esifushane, okunomthelela kuzo zonke izindleko zobunikazi bendlu.

2. I-Equity Build-Up

Isikhathi semalimboleko esandisiwe siphinde sisho ukwakhiwa kancane kancane kwezabelo zezindlu uma kuqhathaniswa nezikweletu zesikhathi esifushane.Abanikazi bezindlu abafuna ukwakha ukulingana ngokushesha bangase bahlole ezinye izinketho ze-mortgage.

3. Izimo Zemakethe

Ababolekayo kufanele baqaphele izimo zemakethe ezikhona lapho bekhetha i-mortgage enesilinganiso esinqunyiwe.Nakuba ukuzinza kwesilinganiso esinqunyiwe kuyinzuzo, kubalulekile ukuhlola izitayela zezinga lenzalo nezimo zezomnotho ngesikhathi sokuqalisa imalimboleko.

Ingabe Imali Ebolekiwe Yeminyaka Engama-30 Yesilinganiso Esimisiwe Ikulungele?

Ukunquma ukuthi i-mortgage yezinga elimisiwe yeminyaka engu-30 iyisinqumo esifanele yini kuncike ezinhlosweni zezezimali zomuntu ngamunye kanye nezimo.Cabangela izici ezilandelayo:

1. Ukuzinza Kwezezimali

Uma ukuzinza nokubikezela kuyizinto eziza kuqala, futhi nokugeleza kwemali kwanyanga zonke kuwukucatshangelwa, i-mortgage yesilinganiso esimisiwe yeminyaka engama-30 ingase ifaneleke.

2. Izinhlelo Zesikhathi Eside

Abantu abanezinhlelo zesikhathi eside zokuba ngabaninikhaya abazisa izinkokhelo eziphansi zanyanga zonke bangathola le nketho ye-mortgage ihambisana nemigomo yabo.

3. Ukuhlolwa Kwemakethe

Hlola izimo zemakethe zamanje kanye nezinga lenzalo.Uma amanani akhona evuma, ukukhiya ngesilinganiso esinqunyiwe kungaba yinzuzo.

4. Ukubonisana Nezisebenzi Zokubolekwa Kwezindlu

Ukufuna isiqondiso kochwepheshe bezezindlu kunganikeza imininingwane yomuntu siqu.Abeluleki bezindlu ezibolekiwe bangahlola izimo zezimali ngazinye futhi batuse izinketho ezifanele kakhulu zokubolekwa kwezindlu.

Isiphetho

I-mortgage yesilinganiso esimisiwe yeminyaka engu-30 inketho ehlolwe isikhathi neyamukelwa kabanzi enikeza ukuzinza, izinkokhelo zanyanga zonke eziphansi, kanye nokufinyeleleka kubunikazi bendlu.Njenganoma yisiphi isinqumo sezezimali, ukucatshangelwa ngokucophelela kwemigomo yomuntu ngamunye, ukuzinza kwezezimali, nezimo zemakethe kubalulekile.Ngokuqonda izici, izinzuzo, nokucatshangelwa okuhlobene ne-mortgage yesilinganiso esinqunyiwe yeminyaka engu-30, abazoba abathengi bangakwazi ukwenza izinqumo ezinolwazi ezihambisana nezinjongo zabo zezezimali zesikhathi eside.