Kwiminyaka elishumi edlulileyo, bonke abantu abangathathi umhlala-phantsi babewulindele umhlala-phantsi wabo ngethemba. Noko ke, oku kwahlukile kwiminyaka yakutshanje, njengoko abangaphezu kwama-50 ekhulwini besoyika ukuba abayi kukwazi ukuphila ubomi obutofotofo emva kokuthatha umhlala-phantsi.
Amanye amaxhala omhlalaphantsi abawoyikayo abandakanya iindleko eziphezulu zempilo, ukunyuka kwamaxabiso, ukuphelelwa yimali, kunye namatyala amaninzi.
Ukuxhalaba komhlalaphantsi kubi ngakumbi kubantu abaneentlawulo zokubambisa. Nangona abanye bekwazi ukufumana intlawulo yemali-mboleko, boyika ukuphelelwa yimali emva kokuhlawula.
Kwelinye icala, intlawulo yokuthenga indlu kwangethuba ilungile kwabanye.
Indlela yokufumanisa ukuba uhlawule imali-mboleko kwangethuba
Nokuba kuyavakala na ukubhatala imali-mboleko kwangethuba kuxhomekeke kumvuzo, ubungakanani bemali mboleko, isohlwayo sentlawulo esele sihlawulwe, ukonga, kunye nokutsalwa kwenzala yemali-mboleko.
Ukuhlawula imali-mboleko yendlu kunye nomvuzo wakho kunye nokonga kwakho kunokutshabalalisa ingxowa-mali yakho yomhlalaphantsi. Usenokungakwazi ukuhlawula iindleko zikaxakeka kunye namatyala onyango. Nangona kunjalo, kulungile ukuhlawula imali-mboleko ukuba unokungaphezulu kokwaneleyo kwintlawulo yemali mboleko kunye neendleko zokuhlala.
Ukuba imali yakho ityalwe kwi-asethi eyimali kwaye i-Return On Investment (ROI) ingaphantsi kunenzala yakho ye-mortgage, ukutsala imali yakho ukuhlawula imali-mboleko kunokuba sisigqibo esihle.
Zininzi izibonelelo eziza nobunini bezindlu, kwaye enye yazo lithuba lokutsala inzala yemali-mboleko yakho kwiirhafu zakho. Ukuhlawula imali-mboleko yakho kuthetha ukuba awunakukwazi ukulonwabela eli nyhweba.
Okwangoku, kukho iindlela ezizezinye zokuhlawula imali-mboleko yakho kwangoko ngaphandle kokuphelisa imali oyongele umhlalaphantsi.
Ukubuyela umva kubambiso
I-reverse mortgage yimali-mboleko yendlu efumaneka kubaninimzi abaneminyaka engama-62 nangaphezulu. Ngokuqhelekileyo yeyabantu abahlawule imali-mboleko yabo, njengoko imali mboleko isekelwe kwi-equity yekhaya lakho.
Imali-mboleko inokuhlawula i-mortgage kwaye ayifuni iintlawulo zenyanga. Ibuyiselwa xa umboleki engasahlali ekhaya.
Ngokuxhomekeke kwityala lakho langoku, i-reverse mortgage inokubonelela nge-liquity equity, onokuyisebenzisa ukuhlangabezana neendleko ezingxamisekileyo kunye neentlawulo zonyango ngexesha lomhlalaphantsi. Sebenzisa a Reverse mortgage calculator ukuqikelela ukuba ukufanele kangakanani ukuboleka ucwangciso olululo.
Imali mboleko yaseKhaya
Imali mboleko yezindlu inokuba yinto efanelekileyo kubanini-zindlu abaye babuyisela ipesenti enkulu yenqununu yabo yokuboleka imali.
Ekubeni ikhaya liyiboleka imali, lidla ngokuba nenzala ephantsi xa lithelekiswa nemali-mboleko engakhuselekanga.
Unokusebenzisa imali-mboleko ukuhlawula imali-mboleko ekhoyo kunye nemali eseleyo ukuxhasa umhlala-phantsi wakho.
Ixesha lemali-mboleko lihlala limalunga neminyaka engama-20, kodwa ngokungafaniyo ne-mortgage ebuyayo, kufuneka wenze iintlawulo zenyanga.
Ukunyamezela kwi-mortgage
Ukunyamezela i-mortgage sisivumelwano phakathi kombolekisi kunye nomboleki abafumana ukusilela okanye ilahleko.
Ngexesha lonyamezelo lwe- mortgage, umbolekisi uya kumisa intlawulo yakho yenyanga ngexesha lesivumelwano, emva koko unokuhlawula zonke iintlawulo eziphosiweyo kwaye uqalise iintlawulo eziqhelekileyo ngaphandle kwesohlwayo.
Abanye ababolekisi banokuvuma ukunciphisa intlawulo yenyanga ngexesha lonyamezelo lwemali yokubambisa endaweni yokunqumamisa ngokupheleleyo.
Lukhetho olulungileyo kubantu abanemali yabo ebotshelelwe kutyalo-mali, abasandul’ ukulahlekelwa ngumvuzo, okanye abanekhaya elonakaliswe yintlekele yemvelo.
Ukucamngca kwakhona
I-mortgage refinance ithatha imali-mboleko entsha ye-mortgage ukuze ithathe indawo yaleyo ikhoyo. Injongo idla ngokuba kumaxabiso aphantsi kunye namaxesha emboleko amade. Ukuze ufaneleke ukufumana inkxaso-mali, uya kufuna ukulingana okwaneleyo kwekhaya. I-equity yasekhaya yeyakho Ixabiso lasekhaya ngokusekelwe kuqikelelo lwangoku lwemalike thabatha imali osatyala yona kwi- mortgage.
Iingcali zincoma ukubuyisela imali kwakhona ukuba inokunciphisa izinga lakho ngepesenti enye yepesenti. Enye into ekufuneka uyithathele ingqalelo lixesha eliza kukuthatha ukuba ufikelele kwindawo yokuphumla emva kokulungiswa ngokutsha.
Ungaphinda uxhase ngemali ukuze ufumane ixesha elide lokukhululeka kumhlalaphantsi. Oku kuya kunciphisa intlawulo yakho yenyanga kwaye kukunike imali eyaneleyo yezinye iindleko. Nangona kunjalo, oku kusenokuthetha ukuba uya kuhlawula inzala eninzi ukuba ubala intlawulo iyonke emva kwexesha elitsha lemali-mboleko.
Qwalasela iingozi zokuphinda uhlawule, njengeendleko ezongezelelweyo, phambi kokukhetha olu khetho.
Phinda ubuyisele imali yakho yokubambisa
I-mortgage recasting, okanye i-mortgage remortization, ilungelelanisa ibhalansi yemali-mboleko yakho kwintlawulo ephantsi yenyanga.
Esi sicwangciso sisetyenziswa xa unentlawulo enkulu enokufuna ngaphezulu ukuhlawula imali-mboleko. Emva kokwenza intlawulo enkulu, unokuthethathethana nombolekisi ukuze unciphise iintlawulo zenyanga emva koko.
Ngokuqhelekileyo kubiza phakathi kwe-$ 200 kunye ne-$ 300 ukuphinda ubuyisele imali yakho yokubambisa. Ukuba kwenziwe ngokufanelekileyo, uncedo kunye noxolo lwengqondo olukhapha iintlawulo zenyanga ezisezantsi zodlula umrhumo wokubuyisela imali yendlu.
Yahlukana ne-inshurensi yokubambisa.
Ezinye iimali-mboleko ezixhasiweyo kunye ne-Federal Housing Administration (FHA) zifuna i-inshurensi ye-mortgage. Oku kunokunyusa kakhulu intlawulo yenyanga iyonke.
I-inshurensi ye-mortgage ikhusela ababolekisi ekulahlekelweni yimali xa uthe wasilela. Kwimali-mboleko exhaswa yi-FHA, uya kuhlawula intlawulo ye-inshurensi ye-mortgage yenyanga (MIP), malunga ne-0.15% ukuya kwi-0.75% yemali mboleko ngonyaka.
Unokuphinda uhlawule i-mortgage yakho kwimali mboleko eqhelekileyo ukuze uphelise i-inshurensi ye-FHA ye-mortgage.
Ngokunjalo, abathengi abangakwaziyo ukwenza i-20 yepesenti yentlawulo yemali mboleko eqhelekileyo kuya kufuneka bahlawule i-inshurensi ye-mortgage yangasese (PMI). Ngaphambi kuka-2017 kwaye ngexesha lobhubhani we-COVID-19, I-PMI yayixhuzulwa irhafu, kodwa hayi ngoku.
Ukuba unako ukuyihlawula, hlawula imali-mboleko yakho ukuya kuthi ga kwi-78 yepesenti yexabiso lokuqala lekhaya ukulahla i-PMI. Abanini-zindlu banokufumana uvavanyo olutsha lwekhaya labo, ngakumbi ukuba ixabiso lekhaya liye laxatyiswa ukususela oko bathatha imali-mboleko.
Ukurenta amagumbi angasetyenziswanga
Esi sicwangciso sesabanye kuphela. Okokuqala, kufuneka ube nendawo eyaneleyo kunye nenye eyongezelelweyo onokuyirenta. Oku kunokuthetha ukuguqula igumbi elingaphantsi kwekhaya lakho libe yindawo eyahlukileyo. Ingakunceda ukuba nawe ukhululekile ukuhlala nomnye umntu.
Kwakhona, ukuxoxa oku kunye nombolekisi wakho kunye nokuphanda ngemithetho yendawo yokuhlala kwindawo yakho kuyacetyiswa.
Imali eyongezelelweyo yokurenta kwigumbi lakho elisecaleni inokusetyenziselwa ukonyusa intlawulo yakho yenyanga yokubambisa. Oku kuya kuthetha ukuba ungayigqiba intlawulo yakho yokubambisa kwangethuba. Nceda uxoxe ngoku kunye nombolekisi wakho ngaphambi kokuba unyuse intlawulo yenyanga ukuqinisekisa ukuba ayitsali nasiphi na isohlwayo.
Masithi ingeniso iyaqhubeka emva kokugqiba intlawulo yakho yokubambisa. Kwimeko enjalo, unokuxhasa ngemali indlela yakho yokuphila yomhlalaphantsi kwaye uhlawule iindleko zonyango.
