Ukuvula Ubunikazi Bekhaya: Imalimboleko Yesitatimende Sebhange Sababoleka Abaziqashile

Kubantu ababolekayo abazisebenzelayo, ukuthola imali yokuthenga indlu kungase kuzwakale njengempi ekhuphukayo. Ababolekisi bendabuko bavame ukufuna izimbuyiselo zentela futhi bakhokhe izikweleti, ezingabonisi ngaso sonke isikhathi amandla ezezimali eqiniso omnikazi webhizinisi. Faka Imali Ebolekiwe Yesitatimende Sebhange—inketho eshintshayo eklanyelwe ngokukhethekile ababolekayo abazisebenzelayo abadinga enye indlela yokuqinisekisa imali yabo engenayo. Ngaphandle kokubuyiselwa kwentela okudingekayo, le mali ebolekiwe inika osomabhizinisi amandla okukhombisa zaboUkungena kwemalisebenzisa izitatimende zasebhange esikhundleni salokho.

Imalimboleko Yesitatimende Sebhange ivumela ababolekisi ukuthi bahlole izinyanga ezingu-12 zezitatimende zasebhange zomuntu siqu noma zebhizinisi, banikeze isithombe esicacile semali engenayo yomboleki ngaphandle kokuncika emalini eyinsalela evela ezimbuyiselweni zentela. Lokhu kulungele ababoleki abazisebenzelayo ukudonswa kwentela kwabo kungase kwehlise izinzuzo zabo ezibikiwe kodwa hhayi ikhono labo langempela lokubuyisela imali ebolekiwe. Kungakhathaliseki ukuthi uyisisebenzi esizimele esinamafomu angu-1099 noma ungumnikazi webhizinisi onemali engenayo eguquguqukayo, lokhu okunye kwenza umsebenzi ube lula.LEZIs.

Inzuzo eyodwa eyinhloko ukuguquguquka kwayo nezilinganiso zesikweletu nemali engenayo. Ngokungafani nemalimboleko evamile efinyelela i-DTI ku-50%, Izimalimboleko Zezitatimende Zebhange zamukela i-DTI engaphezu kuka-50%, ezithwala ababoleka abazisebenzelayo abanezindleko eziphezulu zebhizinisi kodwa ukungena kwemali okuqinile. Lokhu kuyenza ifaneleke kakhulu labo abangokoqobo kwezezimali zabo kungahambelani nezindinganiso ezijwayelekile zokuboleka.

Ngaphandle kokuvumelana nezimo, Imalimboleko Yesitatimende Sebhange inikeza izici ezisebenzayo. Amanani emali mboleko asukela ku-$150,000 kuya ku-$3.5 wezigidi, anenani lesikweletu elincane elingu-660. Ayatholakala ukuze athengwe, akhishwe ngokheshi, noma akhokhelwe kabusha imali yesilinganiso sesikhathi esihlala abanikazi, izindlu zesibili, noma izakhiwo zokutshalwa kwezimali—okuhlanganisa namakhondomu angawarantiki. Ababolekayo abazisebenzelayo bangakhetha isilinganiso esimisiwe seminyaka engu-30 noma bakhethe uhlelo lokukhokha Inzalo Kuphela. Futhi, ungavala ngaphansi kwegama lebhizinisi, ugcine izimali zomuntu siqu nezebhizinisi zihlukene.

Kulabo abanezinkinga zezimali ezedlule njengokuqothuka noma ukudliwa, Izimalimboleko Zesitatimende Sebhange zinikeza indlela eya phambili inqobo nje uma le micimbi isineminyaka okungenani emithathu ubudala. Azikho izimbuyiselo zentela ezidingekayo zisho ubunzima obuncane, futhi inketho ye-1099 yengeza ukuguquguquka okwengeziwe kosonkontileka abazimele.

Ngamafuphi, Imalimboleko Yesitatimende Sebhange ishintsha ubunikazi bezindlu kubaboleka abazisebenzelayo. Ngokugxila ezitatimendeni zasebhange nokwamukela i-DTI eyedlula u-50%, lo mkhiqizo uvula iminyango evamise ukuvala izikweletu zezindlu zendabuko. Uma ungumnikazi webhizinisi ofuna imali ebolekwayo ebonisa impilo yakho yangempela yezezimali, lokhu kungaba ukhiye wakho wempumelelo.

Ukubalwa kwamagama angukhiye: Isitatimende Sebhange, Ababoleki Abaziqashile, Akukho Ukubuyiselwa Kwentela Okudingekile, Idokhumenti Egcwele, 1099, i-DTI Idlula Ku-50% Yamukelwe