Eshumini leminyaka eledlule, bonke abantu abangathathi umhlalaphansi babelindele umhlalaphansi wabo ngethemba. Nokho, lokhu kuhlukile eminyakeni yamuva, njengoba abangaphezu kwamaphesenti angu-50 besaba ukuthi ngeke bakwazi ukuphila ukuphila okunethezekile ngemva kokuthatha umhlalaphansi.
Ezinye izinkathazo zomhlalaphansi abazesabayo zihlanganisa izindleko eziphakeme zokunakekelwa kwempilo, ukwenyuka kwamandla emali, ukuphelelwa yimali, kanye nezikweletu eziningi kakhulu.
Ukukhathazeka ngokuthatha umhlalaphansi kubi kakhulu kubantu abanezikweletu zezindlu. Ngisho noma abanye bengakwazi ukukhokhela inkokhelo ye-mortgage, besaba ukuphelelwa imali ngemva kokukhokha.
Ngakolunye uhlangothi, inkokhelo ye-mortgage ngaphambi kwesikhathi ilungele abanye kuphela.
Unganquma kanjani ukuthi ungayikhokha kanjani imali ye-mortgage kusenesikhathi
Ukuthi kunengqondo yini ukukhokha imali ebolekiwe kusenesikhathi kuncike emalini engenayo, usayizi wemali mboleko, inhlawulo yokukhokha kusengaphambili, ukonga, kanye nokubanjwa kwenzalo yendlu.
Ukukhokha imali mboleko ngeholo lakho kanye nemali oyilondolozile kungase kuqede isikhwama sakho somhlalaphansi. Ungase ungakwazi ukukhokhela izindleko eziphuthumayo kanye nezikweletu zezokwelapha. Kodwa-ke, kulungile ukukhokha imali mboleko uma unokungaphezu kokwanele ukukhokha imali yendlu kanye nezindleko zokuphila.
Uma imali yakho itshalwe empahleni yezezimali futhi i-Return On Investment (ROI) incane kunenzalo ye-mortgage yakho, ukukhipha imali yakho ukuze ukhokhe imali mboleko kungase kube yisinqumo esihle.
Kunezinzuzo eziningi eziza nokuba ngumninikhaya, futhi enye yazo yithuba lokudonsa izinkokhelo zakho ze-mortgage ezintela zakho. Ukukhokha imali ebolekiwe kusho ukuthi awukwazi ukuqhubeka ujabulela leli lungelo.
Khonamanjalo, kunezinye izindlela zokukhokha imali mboleko yakho ngaphambi kwesikhathi ngaphandle kokuqeda imali oyilondolozile yomhlalaphansi.
Buyisela emuva imali ebanjiswayo
I-reverse mortgage imali ebolekiwe yomuzi etholakala kubanikazi bezindlu abaneminyaka engu-62 nangaphezulu. Ngokuvamile ngeyabantu abakhokhe imali yendlu, njengoba imali ebolekiwe isekelwe ekulinganeni kwekhaya lakho.
Imali mboleko ingavala i-mortgage futhi ayidingi izinkokhelo zanyanga zonke. Ibuyiselwa uma lowo obolekile engasahlali ekhaya.
Ngokuya ngesikweletu sakho samanje, i-mortgage ehlehlayo ingakunikeza i-liquid equity, ongayisebenzisa ukubhekelela izindleko eziphuthumayo kanye nezikweletu zezokwelapha ngesikhathi sokuthatha umhlalaphansi. Sebenzisa a Reverse mortgage wokubala ukulinganisa ukuthi ufanele ukuboleka malini ukuze uhlele kahle.
Imali mboleko yasekhaya
Imali mboleko yezindlu ingase ibe inketho enhle kubanikazi bezindlu ababuyisele amaphesenti amakhulu othishanhloko wabo wezindlu.
Njengoba ikhaya lithola imali ebolekiwe, ngokuvamile linenzalo ephansi uma liqhathaniswa nemali mboleko engavikelekile.
Ungasebenzisa imali ebolekiwe ukukhokha imali osuyibambile kanye nokheshi osele ukukhokhela umhlalaphansi wakho.
Isikhathi semalimboleko ngokuvamile siyiminyaka engaba ngu-20, kodwa ngokungafani ne-mortgage ehlehlayo, kufanele wenze izinkokhelo zanyanga zonke.
Ukubekezela kwe-mortgage
Ukubekezela kwe-mortgage yisivumelwano phakathi kombolekisi kanye nomaboleki ababhekene nezinkinga zezimali noma ukulahlekelwa.
Ngesikhathi sokubekezela kwe-mortgage, umbolekisi uzomisa inkokhelo yakho yanyanga zonke ngesikhathi sesivumelwano, ngemva kwalokho kuzodingeka ukhokhe zonke izinkokhelo ezigejiwe futhi uqalise kabusha izinkokhelo ezivamile ngaphandle kwenhlawulo.
Abanye ababolekisi bangase bavume ukwehlisa inkokhelo yanyanga zonke ngesikhathi sokubekezelela isikweletu sendlu esikhundleni sokuphunyuzwa okuphelele.
Kuyinketho enhle kubantu ababoshelwe imali yabo ekutshalweni kwezimali, abasanda kulahlekelwa yimali engenayo, noma abanekhaya elinyazwe yinhlekelele yemvelo.
Ukuvuselela kabusha
I-Mortgage refinance ithatha imali entsha yokubolekwa kwendlu ukuze ithathe indawo yaleyo ekhona. Inhloso ivamise ukuba ngamanani aphansi kanye nemibandela emide yemalimboleko. Ukuze ufaneleke ukuthola uxhaso lwezimali, uzodinga ukulingana okwanele kwekhaya. Ukulingana kwekhaya kungokwakho inani lasekhaya ngokusekelwe esilinganisweni samanje semakethe susa inani osakweleta emalini eboshiwe.
Ochwepheshe batusa ukubuyisela imali uma kungehlisa izinga lakho ngephoyinti elilodwa lephesenti. Esinye isici okufanele sicatshangelwe isikhathi esizosithatha ukuthi ufinyelele iphuzu lokuphumula ngemuva kokulungiswa kabusha kwezimali.
Ungase futhi unikeze imali kabusha ukuze uthole isikhathi eside ukuze ufinyelele ekuthatheni umhlalaphansi. Lokhu kuzokwehlisa inkokhelo yakho yanyanga zonke futhi kukunikeze imali eyanele yezinye izindleko. Nokho, lokhu kungase kusho ukuthi uzokhokha inzalo eyengeziwe uma ubala yonke inkokhelo ngemva kwesikhathi esisha semalimboleko.
Cabanga ngobubi bokubuyisela imali, njengezindleko ezengeziwe, ngaphambi kokukhetha le nketho.
Phinda ubuyekeze i-mortgage yakho
Ukuhlelwa kabusha kwe-mortgage, noma ukubuyisela imali mboleko, kulungisa ibhalansi yakho yemalimboleko ukuze uthole inkokhelo yanyanga zonke ephansi.
Leli su lisetshenziswa uma unenkokhelo enkulu engase idinge okwengeziwe ukuze ukhokhe isikweletu. Ngemva kokwenza inkokhelo enkulu, ungakwazi ukuxoxisana nomabolekisi ukuze wehlise izinkokhelo zanyanga zonke kamuva.
Ngokuvamile kubiza phakathi kuka-$200 no-$300 ukubuyisela imali mboleko yakho. Uma kwenziwa kahle, ukunethezeka nokuthula kwengqondo okuhambisana nezinkokhelo eziphansi zanyanga zonke kunezinkokhelo zokubuyisela kabusha i-mortgage.
Lahla umshwalense wezindlu.
Ezinye izikweletu ezisekelwa yi-Federal Housing Administration (FHA) zidinga umshwalense we-mortgage. Lokhu kungakhuphula kakhulu inkokhelo yanyanga zonke.
Umshwalense we-mortgage uvikela ababolekisi ekulahlekelweni yimali uma kwenzeka uhluleka. Ngemali mboleko exhaswe yi-FHA, uzokhokha inhlawulo yomshwalense wenyanga zonke (MIP), cishe u-0.15% ukuya ku-0.75% yenani lemalimboleko minyaka yonke.
Ungase ubuyekeze kabusha i-mortgage yakho kumali mboleko evamile ukuze uqede umshuwalense we-FHA we-mortgage.
Ngokunjalo, abathengi bezindlu abangakwazi ukwenza inkokhelo ephansi engamaphesenti angama-20 yemali mboleko evamile kuyodingeka bakhokhe umshwalense we-private mortgage (PMI). Ngaphambi kuka-2017 nangesikhathi sobhubhane lwe-COVID-19, I-PMI yayingadonselwa intela, kodwa ayisekho.
Uma ukwazi ukukukhokhela, khokha imali ebolekiwe kuze kufike kumaphesenti angama-78 yenani langempela lekhaya ukuze ukhiphe i-PMI. Abanikazi bezindlu bangathola i-appraisal entsha yendlu yabo, ikakhulukazi uma inani lekhaya liye lanconywa kusukela bethatha imali ebolekiwe.
Ukuqasha amagumbi angasetshenzisiwe
Leli su elabanye kuphela. Okokuqala, kufanele ube nesikhala esanele kanye nenye eyengeziwe ongayiqasha. Lokhu kungasho ukuguqula igumbi elingaphansi kwekhaya lakho libe ifulethi elihlukile. Kungasiza uma nawe ukhululekile ukuhlala nomunye umuntu.
Futhi, ukuxoxa ngalokhu nombolekisi wakho kanye nokucwaninga ngemithetho yendawo yokuhlala endaweni yangakini kuyanconywa.
Imali eyengeziwe yokuqasha igumbi lakho eliyisipele ingase isetshenziselwe ukukhulisa inkokhelo yakho yenyanga yonke ye-mortgage. Lokhu kuzosho ukuthi ungakwazi ukuqeda inkokhelo yakho ye-mortgage kusenesikhathi. Sicela uxoxe ngalokhu nombolekisi wakho ngaphambi kokwenyusa inkokhelo yanyanga zonke ukuze uqinisekise ukuthi ayihehi noma iyiphi inhlawulo.
Ake sithi imali engenayo iyaqhubeka ngemva kokuqeda inkokhelo yendlu yakho. Uma kunjalo, ungakwazi ukukhokhela indlela yakho yokuphila yomhlalaphansi futhi ukhokhele izindleko zezokwelapha.
