Izinyathelo zokuthola izinga lenzalo yemali ebolekiwe ephansi
Abathengi abafuna inani eliphansi le-mortgage akudingeki bamane balinde ukuthi imakethe ilungise. Kunalokho bangenza izinguquko ezimalini zabo ezingasiza.
Izilinganiso zenzalo yezindlu ezibolekiwe ziholele amasegimenti ezindaba zezimali iminyaka eminingana ilandelana. Eziningi zalezi zindaba zamukelwe ngezandla ezivulekile, njengoba amanani enyuke kakhulu eminyakeni yamuva, okuwukukhuphuka okuhambisana nomthelela wemvelo wobhubhane lwe-COVID-19.
Amanani ezindlu zokubolekwa kwezindlu awazange akhuphuke ngokushesha. Eqinisweni, idatha evela kumbolekisi u-Freddie Mac ikhombisa ukuthi amanani emali mboleko ayesengaphansi kuka-4% ngomhla ka-Januwari 1, 2022. Kodwa-ke, lezo zilinganiso zenyuka cishe ku-7% ekupheleni kwalowo nyaka. Futhi sisekulelo zinga ekuqaleni kuka-2024.
Njengoba izilinganiso zenzalo ziphezulu kakhulu, kuyaqondakala uma abathengi bezindlu bezizwa bengenakuzisiza. Kodwa-ke, abathengi bangenza okuningi ukuze bazisize lapho befuna ukuvikela inani eliphansi kakhulu lemali ebolekiwe.
Funda umbiko wakho wesikweletu futhi uthuthukise isikolo sakho, uma kunesidingo. Abaningi abangaba abathengi bezindlu balondoloza iminyaka belindele usuku abazothenga ngalo ikhaya labo.
Ngalesi sikhathi, abathengi bangakwazi ukufunda imibiko yabo yezikweletu futhi babhekane nanoma yikuphi ukushayisana ngenkathi bethatha izinyathelo zokuthuthukisa izikolo zabo zezikweletu. Ababolekisi bacabangela uchungechunge lwezinto eziguquguqukayo ukuze banqume ukufaneleka kofake isicelo, futhi umlando wesikweletu nezikolo zezikweletu kunomthelela omkhulu.
Uma inani lesikweletu somfakisicelo liphezulu, izinga lenzalo yemali ebolekiwe okulindeleke ukuthi alithole lihle kakhulu.
Lawula isilinganiso sakho sesikweletu nemali engenayo. I-Debt-to-income ratio (DTI) ibhekisela kulokho okukweletayo uma kuqhathaniswa nokuthi uhola malini. Uma i-DTI yakho yehla, yilapho ubheka kangcono kubabolekisi.
Ngokusho kwe-Bankrate, ababolekisi ngokuvamile bafuna ukugwema ukubolekwa kwezindlu kubantu ngabanye uma inkokhelo yanyanga zonke idlula u-28% wesamba semali engenayo yanyanga zonke, futhi abantu abangase basondele kulowo mkhawulo wokuthola umuzi othile bangagwema ukubolekwa imali uma i-DTI yabo iphezulu.
Abangase babe abathengi bezindlu abanezikweletu ezinkulu njengamanje, okuhlanganisa nesikweletu somthengi esifana nekhadi lesikweletu kanye/noma isikweletu semalimboleko yabafundi, kufanele benze umzamo ohlangene wokukhokha leso sikweletu ngaphambi kokufaka isicelo semali mboleko. Beka kuqala ukukhokhwa kwesikweletu somthengi ngaphambi kokufaka isicelo se-mortgage.
Gcina irekhodi eliqinile lomsebenzi. Ukuqashwa njalo kanye nezinzuzo ezingashintshi kwenza abafake izicelo zezindlu ezibolekiwe bathandeke kakhulu kubabolekisi. Uma njengamanje uthenga ikhaya noma usuzokwenza umnikelo, manje kungase kungabi isikhathi esingcono kakhulu sokushintsha imisebenzi.
Abazisebenzelayo kanye nabasebenza imisebenzi eminingi basengakwazi ukuthola isilinganiso esihle semali mboleko yezindlu, kodwa kungase kudingeke banikeze imibhalo ethe xaxa ebonisa izinzuzo zabo zibuyela emuva eminyakeni embalwa edlule.
Abantu abasebenze isikhathi esigcwele enkampanini efanayo iminyaka bangadinga kuphela ukunikeza amafomu e-W-2 kusukela eminyakeni emibili yokugcina yentela.
Bheka izilinganiso zenzalo. Amanani angase angahlukani kakhulu phakathi kwababolekisi, kodwa kusafanele ukubheka amanani emali mboleko.
Ucwaningo lukaFreddie Mac lwathola ukuthi izinzuzo zokuseshwa kwezinga lenzalo yezindlu zamenyezelwa ikakhulukazi ngo-2022 uma kuqhathaniswa neminyaka eyishumi edlule, ukonga ababoleki abathathe isikhathi sokucinga amanani emali enzalo.
Amanani emali ebolekiwe ahlala ephezulu uma kuqhathaniswa nengxenye yeshumi leminyaka edlule, kodwa abangaba abathengi bezindlu bangathatha izinyathelo zokwandisa amathuba abo okuthola isilinganiso esivumayo.
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