11/02/2023

I-mortgage ingenye yezibopho ezibaluleke kakhulu zezezimali ozozenza empilweni yakho, futhi ukukhetha uhlobo olufanele lwemali mboleko kungaba nomthelela omkhulu enhlalakahleni yakho yezezimali.Inketho edumile phakathi kwabathengi bezindlu yimalimboleko yeminyaka engama-30 yesilinganiso esinqunyiwe, futhi kulesi sihloko, sizohlola izici zayo, izinzuzo, nokuthi ingathinta kanjani ukuzinza kwakho kwezezimali.

Okuyisisekelo Semali Ebolekiwe Yesilinganiso Esimisiwe Yeminyaka engama-30

I-mortgage yesilinganiso esinqunyiwe yeminyaka engama-30 iwuhlobo lwemali mboleko yezindlu lapho izinga lenzalo lihlala linjalo isikhathi sonke seminyaka engama-30.Lokhu kusho ukuthi izinkokhelo zakho zenyanga zonke zezindlu ezibolekiwe nazo zizohlala zinjalo kuyo yonke impilo yemali mboleko, zinikeze umuzwa wokubikezela nokuzinza.

Izici Eziyinhloko:

• Isilinganiso Senzalo Egxilile: Izinga lenzalo livalelwe ngesikhathi sokubolekwa kwezindlu futhi alishintshi ngesikhathi semali mboleko.Lokhu kuzinza kungenye yezinto ezikhangayo zeminyaka engama-30 yemali ebolekiwe enesilinganiso esimisiwe.
• Isikhathi Eside Semalimboleko: Ngesikhathi seminyaka engu-30, unesikhathi esiningi sokubuyisela imali oyibolekile, okungaholela ezinkokhelweni eziphansi zanyanga zonke uma kuqhathaniswa nezikweletu zesikhathi esifushane.
• Izinkokhelo Zanyanga Zonke Ezingashintshi: Izinkokhelo zakho zenyanga zonke zezindlu, okuhlanganisa uthishanhloko kanye nenzalo, aziguquguquki, zenza ibhajethi nokuhlelwa kwezimali kulawuleke.

Izinzuzo ze-Mortgage Yesilinganiso Esimisiwe Yeminyaka engu-30

1. Izinkokhelo Zanyanga Zonke Ezibikezelwayo

Ngesikweletu esimisiwe seminyaka engu-30, izinkokhelo zakho zanyanga zonke zihlala ziqinile, okukuvumela ukuthi uhlele isabelomali sakho ngempumelelo.Akukho ukwenyuka okungalindelekile kwezindleko zakho zezindlu, okuzuzisa kakhulu labo abakhetha umbono ozinzile wezezimali.

2. Izinkokhelo Zanyanga Zonke Eziphansi

Isikhathi semalimboleko esandisiwe semalimboleko yeminyaka engama-30 ngokuvamile siholela ezinkokhelweni eziphansi zanyanga zonke uma kuqhathaniswa nezikweletu zesikhathi esifushane.Lokhu kungenza ubunikazi bezindlu bufinyeleleke kakhulu, ikakhulukazi kubathengi bokuqala.

3. Ukuhlelwa Kwezimali Kwesikhathi Eside

Imvelo yesikhathi eside yale mali yokubolekwa kwempahla ivumela ukuhlelwa kwezimali okunwetshiwe.Ingakhulula izimali zolunye utshalomali noma imigomo yokonga ngenkathi isenomuzi.

4. Izinga Lenzalo Eligxilile

Izinga lenzalo yemali ebolekiwe yesilinganiso esinqunyiwe yeminyaka engu-30 lihlala linjalo, likuvikela emazingeni enzalo akhuphukayo.Lokhu kungaba inzuzo enkulu endaweni yezinga elikhuphukayo, njengoba inkokhelo yakho yemali mboleko ihlala ingathinteki.

5. Amathuba Okuxhasa Ngezimali kabusha

Ngemali ebolekiwe enesilinganiso esimisiwe, unenketho yokuxhasa kabusha uma izilinganiso zenzalo zehla.Lokhu kungaholela ezinkokhelweni eziphansi zenyanga kanye nokonga okuphawulekayo kwesikhathi eside.

Izinto Okufanele Zicabangele

Nakuba i-mortgage yesilinganiso esinqunyiwe yeminyaka engu-30 inikeza izinzuzo eziningi, kubalulekile ukucabangela izici ezimbalwa:

• Isamba Senzalo Ekhokhiwe: Ngenxa yesikhathi semalimboleko esandisiwe, ungase ukhokhe inzalo ethe xaxa kuyo yonke impilo yemali mboleko uma kuqhathaniswa nezikweletu zesikhathi esifushane.
• I-Equity Buildup: Ukwakha ukulingana kwekhaya kungase kuthathe isikhathi eside nge-mortgage yeminyaka engu-30, njengoba ingxenye enkulu yezinkokhelo zakho zangaphambi kwesikhathi iya enzuzweni.
• Imigomo Yezezimali: Cabangela izinjongo zakho zezezimali zesikhathi eside kanye nokuthi i-mortgage yeminyaka engama-30 yezinga elimisiwe iyahambisana yini nayo.

Iminyaka Engama-30 Yokuthenga Imali Yesilinganiso Esimisiwe

Ingabe Imali Ebolekiwe Yeminyaka Engama-30 Yesilinganiso Esimisiwe Ikulungele?

Ukufaneleka kwe-mortgage yesilinganiso esinqunyiwe yeminyaka engama-30 kuncike esimweni sakho sezezimali nezinjongo ezihlukile.Uma wazisa ukubikezelwa, izinkokhelo zanyanga zonke eziphansi, kanye nekhono lokuhlelela isikhathi eside, le malimboleko ingaba yisinqumo esihle kakhulu.Kodwa-ke, kubalulekile ukuhlola imigomo yakho yezezimali futhi ucabangele izici ezifana nenani lenzalo elikhokhiwe phakathi nesikhathi sokubolekwa kwemali.

Lapho wenza isinqumo esibaluleke kangaka sezimali, kuyatuseka ukuthintana nochwepheshe wezezindlu ezibolekwayo noma umeluleki wezezimali ongakusiza ukuthi uhlole izimo zakho ezithile futhi akuqondise emalini ebolekiwe eqondana kangcono nemigomo yakho.

Sengiphetha, i-mortgage yesilinganiso esingaguquki yeminyaka engu-30 inikeza ukuzinza nokufinyeleleka, ikwenze kube ukukhetha okudumile kubathengi abaningi bezindlu.Ukuqonda izinzuzo zayo nokucabangela isimo sakho sezezimali esiyingqayizivele kuzokusiza ukuthi unqume ukuthi iyimalimboleko ekufanele yini.

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.