Okusalawo ku ssente z'ennyumba
Okugula ennyumba kye kimu ku bisalawo eby'ensimbi ebyasinga obukulu mu bulamu bw'omuntu. Okusobola okutuukiriza ekigendererwa kino, abantu bangi beetaaga okwewola ssente mu mabbanka oba ebitongole by'ensimbi ebirala. Kino kye kiyitibwa ssente z'ennyumba, oba mortgage. Okutegeera engeri ssente zino gye zikola kirimu okumanya engeri gye zikuyamba okufuna obwannannyini bw'amaka, n'engeri gye zikwetaagisa okuzisasula mu kuteekawo enteekateeka ey'ekiseera ekiwanvu.
Kiki Ekigendererwa mu ssente z’ennyumba (Mortgage)?
Ssente z’ennyumba, oba mortgage, kye kiwola ky’ensimbi ekinene ekigabibwa abakozesa okubasobozesa okugula Property oba Home. Kino kiba kiwola ekiteekebwako Security ku nnyumba yennyini egulibwa. Kino kitegeeza nti bwe walemwa okusasula ssente zino nga bwe mwakkiriziganya, akatongole akakwewola kasobola okutwala ennyumba. Mortgage ziyamba abantu okufuna Ownership bw’amaka gaabwe n’okufuna ekifo ky’okubeeramu, ekitegeeza Dwelling yaabwe. Zikola nga Funding ey’ekiseera ekiwanvu, ng’abawola basasula ssente zino n’amagoba gaazo mu biseera ebiwanvu, okusobola okufuna obwannannyini obujjuvu.
Enkola y’okwewola ssente z’ennyumba n’okuzisasula
Enteekateeka y’okwewola ssente z’ennyumba etandika n’okunoonya akatongole akakwewola, gamba ng’ebbanka. Omuntu eyagala Loan asaba ssente, era akatongole kano keetegereza ebya Credit bye n’obuyinza bwe obw’okusasula. Bw’akkirizibwa, asindikibwa ssente, era atandika Repayment yazo. Okusasula kubaawo buli mwezi, ng’ekitundu kigenda ku ssente enkulu n’ekitundu ekirala kigenda ku Interest oba amagoba. Eky’okwewola kino kisobola okuba eky’ekiseera ekya wansi (fixed-rate) oba ekya waggulu (adjustable-rate), ekitegeeza nti amagoba gasobola okukyuka oba okusigala nga bwe gali mu kiseera ky’okwewola. Okwewola kuno kiyamba abantu okufuna Housing nga tebalina kusasula ssente zonna mu mulundi gumu.
Okutegeera Eby’ensimbi mu Kugula Ennyumba
Okugula ennyumba nga oyita mu ssente z’ennyumba kiyamba okuteeka ssente mu Investment erina amakulu. Ng’osasula buli mwezi, otandika okuzimba Equity mu nnyumba yo. Equity kye kitundu ky’ennyumba kyo ky’olina obwannannyini obujjuvu, nga ssente z’ennyumba ziggyiddwaako. Kino kiba kye kimu n’okuteeka ssente mu Assets ezikula. Okusalawo okukola Acquisition y’ennyumba kuyamba abantu okuteeka ssente zaabwe mu bintu eby’omugaso n’okuzimba obugagga bwabwe. Okutegeera Finance y’okugula ennyumba kiyamba okusalawo ebisalawo eby’amagezi ku Purchase y’ennyumba n’engeri y’okuzisasula.
Amagoba n’Obukuumi mu ssente z’ennyumba
Amagoba (Interest) ge ssente z’extra z’osasula akatongole akakwewola olw’okukozesa ssente zaabwe. Gano gagereerwa ku kiwola ky’ensimbi enkulu era gasobola okuba nga gakyuka oba tegakyuuka. Ensimbi z’ennyumba ziba n’obukuumi (Security) ku nnyumba yennyini, ekitegeeza nti ennyumba ekola nga collateral. Kino kiyamba akatongole akawola okuba n’obukakafu nti ssente zaakusasulibwa. Bw’osasula ssente z’ennyumba, ojja kuba oyongera Equity yo mu nnyumba. Equity gwe mugaso gw’ennyumba ogukusigalawo ng’oggyeeko ssente z’ennyumba z’okyalina okusasula. Okuteeka ssente mu Realestate kiyamba okuzimba obugagga bw’omuntu mu kiseera ekiwanvu.
Okusalawo ku ssente z’ennyumba kiyamba okuteeka ssente mu kintu eky’omugaso, naye kikwetaagisa okumanya emitengo egyenjawulo. Emitengo gino girimu amagoba, ssente z’okuteekawo mu ntandikwa (down payment), n’ebirala eby’enjawulo eby’okugula. Eby’okugereesa ku ssente z’ennyumba bisobola okukyuka okusinziira ku katongole akakwewola, obulamu bwo obw’eby’ensimbi, n’obutereevu bw’omutindo gw’amagoba oguliwo mu kiseera ekyo. Ng’ekyokulabirako, amagoba gasobola okutandikira ku 6% okutuuka ku 10% oba n’okusingawo, okusinziira ku ngeri gye gasalawo.
| Akatongole Akawola | Ebintu Bye Gawola | Okugereesa ku Mtengo |
|---|---|---|
| Bbanka ya A | Ssente z’ennyumba ez’ekiseera ekiwanvu | 7.5% - 9.0% amagoba |
| Ekitongole kya B | Ssente z’ennyumba ez’ekiseera ekya wansi | 6.8% - 8.5% amagoba |
| Bbanka ya C | Ssente z’ennyumba ez’okuzimba | 8.0% - 10.0% amagoba |
Ebiragiro bya mitengo, ensimbi, oba okugereesa ebya ssente ebyogeddwako mu katabo kano biva ku by’amawulire agasangibwawo agasembyeyo naye bisobola okukyuka oluvannyuma lw’ekiseera. Okunoonyereza okwo kwokka kwekugambibwa okukola nga tonnasalawo ku bigenda mu maaso by’ensimbi.
Okusalawo okw’amagezi ku ssente z’ennyumba
Okusalawo okw’amagezi ku ssente z’ennyumba kulimu okutegeera obulungi ebyetaago byo eby’ensimbi n’ebiruubirirwa byo eby’ekiseera ekiwanvu. Kino kiyamba okwewala obuzibu bw’okulemererwa okusasula ssente zino. Okukola okunoonyereza okw’amaanyi ku mitindo gy’amagoba egyenjawulo, ebiwola ebyenjawulo, n’ebitongole by’ensimbi ebyawola, kiyamba okufuna ekigendererwa ekisinga obulungi. Okuteekawo enteekateeka y’okusasula ssente zino, awamu n’okutekateeka ssente z’okuteekawo mu ntandikwa, byonna bikola kinene mu kutuukiriza ekigendererwa ky’okugula ennyumba. Okwewola ssente z’ennyumba kiyinza okuba eky’omugaso ennyo, naye kikwetaagisa okusalawo okw’amagezi n’okutegeera obulungi ebintu byonna.
