Sisebenzisa uthetha malunga kancinci ngakumbi phantsi
Ngowe avareji, mortgage isekho kweminyaka esibhozo, nto leyo significantly ngaphantsi kune ixesha le-umrhumoKwi ukusebenza, prepayment ke kakhulu ngokufanayo, ngenxa ukuthengisa a ipropati, okanye ngesizathu liquidity ezikhoyo. Unako kanjalo lihlawule inxalenye-mboleko yakho ukunciphisa zakho zenyanga intlawulo kwaye yandisa yakho ukuboleka umthamo. Unga kufumana imali ekhoyo ugcinwe ukuvuthuzela, okanye wanting ukusa. Kule meko, ungafuna ukuhlawula phantsi wakho imali eseleyo-mboleko. Ukongeza, kuyenzeka ukuba uza ngalo kwipropati yakho ukuthenga omnye.
Uza ngokuqinisekileyo lihlawule imali-mboleko kunye ziyathengiswa propati, ukuba oko kuyimfuneko, imali-mboleko entsha kuba yokugqibela.
Kule meko yokugqibela, kuyenzeka ukuba ufuna i-bridge-mboleko.
Ukongeza, uzakufumana iyonke indleko inzala igqityiwe
Unako kanjalo sebenzisa lokulingana kuba unikezelo ka-mboleko yakho, ukuba ngaba balibeke kule ndawo ngexesha yokuthenga. I-iibhanki akavumelekanga ukuba injongo yakho ukukuthakazelela ukuba lihlawule mboleko yakho phambi scheduled umhla. Kuphela, baya kuphulukana nayo imali ngenxa yokuba kukho inxalenye inzala ukuba akulihlawuli. Nkqu ukuba depreciation ngu wayecinga ukuba uninzi inzala ngu reimbursed ekuqalekeni-mboleko, akekho bahlala malunga nayo ngaphantsi penalizing kuba iibhanki. Oku kubaluleke ngakumbi inyaniso kwi ixesha low yokutshintsha. Umthetho akusebenzi stipulate ixesha isaziso kwimeko phambi kwexesha repayment ye-credit, kodwa ezinye iibhanki ngamanye amaxesha buza:"nyanga ke isaziso apho kufuneka formulated phantsi ebhalisiweyo ileta kunye ukwazisa info: whatsthis ka-kokuba zifunyenwe". Uyakwazi ukulayisha ezansti zethu isikhokelo ileta elicetyiswayo kuba phambi kwexesha repayment. Ukuba lihlawule inxalenye-mboleko yakho neqabane lakho abolekisa bank, kuya kancinane-mboleko yakho. Kule meko, bank ulindeleke ukuba ukuhlaziya-mboleko yakho isivumelwano real estate. Inika wena yintoni ngokuba codicil Isihlomelo iqulathe eziliqela kubalulekile ulwazi.
Okokuqala, bank ezinikezelwe omtsha amortization shedyuli kunye yakho entsha qho ngenyanga intlawulo kwaye omtsha APR.
Kwaye njengoko kuba ukusayina-mboleko yakho, emveni kokufumana endorsement, kufunwa ukuba sebenzisa ixesha umda ishumi iintsuku ukwamkela utshintsho. Kuzo zonke iimeko, iibhanki kwentlawulo a imali kuba phambi kwexesha repayment ngesizathu zabo shortfall kwi inzala. Babizelwe prepayment indemnities (IRA) okanye prepayment izohlwayo (PRA).
Isixa-mali ezi izibonelelo ngu (thankfully) regulated.
Uza kuhlawula: ngumsebenzi encinane, ezi zimbini izixa-mali oluza kwenziwa ibe igcwalisiwe yi-bank. Kwimeko yokudada umyinge-mboleko, okanye mixed, IRA kusenokuba ukwanda nge-izinto ezichaphazela countervailing imisebenzi."Imbuyekezo kusenokwenzeka ziyabhatalwa yi-borrower, kumiselweyo ngumthetho inqaku L. kwimeko apho phambi kwexesha repayment, angabi zingaphezu ixabiso necala inzala yezavenge eyinkunzi repaid nge average umyinge we-mboleko, ngaphandle ekubeni nako awuzange ufikelele ezintathu ye-eseleyo eyinkunzi ngenxa phambi inkululeko."- Code of lwamanzi-Inqaku R- Ezi imirhumo azinako ibe igcwalisiwe ngaphandle kokuba ingaba zidweliswe yakho kunikela ka-mboleko. Funda apha ngenyameko I-inxalenye repayment yakho yemali-mboleko utshintsho. Kwi ukusebenza, imali eseleyo igqwetha ungqinelwano decreases, kwaye kufuneka i-ukukhetha: Ingqwalasela, kufuneka sazi ukuba imali-mboleko kunikela babe prohibit i-repayments ingaba ngaphantsi okanye ishumi yokuqala isixa-mali-mboleko. Ngendlela efanayo njengoko kuba repayment kwangaphambili iyonke i-bank iya kwentlawulo kuni thoba isixa-mali phakathi ezintathu imali eseleyo igqwetha kwaye ezintandathu inzala yezavenge isixa repaid. Ngoko uyaqonda ukuba inxalenye refund ebutsheni akusebenzi qinisekisa ukuba enze savings kwi iyonke iindleko credit kwaye njalo ke ngu akusoloko advantageous. Thina lokucebisa ufuna ukwenza ulinganiso phambi kwexesha kuba repayment thelekisa le savings achievable kwaye iindleko enxulumene oku intengiselwano. Imali-mboleko amabini anamashumi ngomhla wamashumi amabini anesihlanu angeliso inzala ezimbini senziwe ngaphandle ngo. Qho ngenyanga intlawulo, kungabandakanywa i-inshorensi ebaluleke. Ngowama, uhlawula kwangaphambili yakho yamatyala kuquka imali eseleyo eyinkunzi amounted ukuba. I-prepayment izohlwayo amounted ukuba, apho corresponds ukuba elona lincinane ixabiso phakathi ezintathu ye-eseleyo eyinkunzi ngenxa.
