Indlela yokuhlawula imali mboleko?

i-mortgage amortization

Cinga ngetyala elihle ngolu hlobo: Intlawulo nganye oyenzayo iyakwandisa ubunini be-asethi, kule meko ikhaya lakho, nangaphezulu. Kodwa ityala elibi, njengeentlawulo zekhadi letyala? Elo tyala lelezinto osele uzihlawulele kwaye mhlawumbi ozisebenzisayo. Awuyi kuba "ngumnikazi" wee jeans, umzekelo.

Kukho omnye umahluko ongundoqo phakathi kokuthenga ikhaya nokuthenga izinto ezininzi neenkonzo. Amaxesha amaninzi, abantu banokubhatala imali ngezinto ezifana nempahla okanye izinto zombane. “Uninzi lwabantu bebengakwazi ukuhlawula imali yendlu,” utshilo uPoorman. Loo nto yenza ukuba imali-mboleko iphantse ibe yimfuneko ukuthenga indlu.

Uqokelela imali eyongileyo yomhlalaphantsi. Ngenzala ephantsi kakhulu, "ukuba ubeka imali obuya kuyisebenzisa ukuhlawula imali mboleko kwi-akhawunti yomhlalaphantsi, imbuyekezo yexesha elide inokugqithisa ukugcinwa kokuhlawula imali mboleko," utsho uPoorman.

Icebiso: Ukuba unethamsanqa ngokwaneleyo ukuba ukwazi ukuhlawula imali-mboleko ngokukhawuleza kwaye ingcamango ihambelana nemali yakho, cinga ukufudukela kwishedyuli yokuhlawula i-biweekly, ujikeleze inani elipheleleyo olihlawulayo, okanye wenze intlawulo eyongezelelweyo ngonyaka.

i-inshurensi yetayitile

Ukuhlawula imali-mboleko yakho kwangethuba kunokukunceda uzinzo kwezemali, kwaye unokonga imali ekuhambeni kwexesha ngokwenza inzala encinci. Nazi ezinye zeendlela onokuthi uhlawule ngokukhawuleza imali yakho yokubambisa:

Enye indlela yokugcina imali kwinzala, ngelixa unciphisa ixesha lokuboleka imali, kukwenza iintlawulo ezongezelelweyo ze-mortgage. Ukuba umbolekisi wakho akahlawulisi sohlwayo sokuhlawula imali mboleko yakho kwangethuba, qwalasela ezi ndlela zilandelayo zokuhlawula imali-mboleko yakho kwangoko.

Khumbula nje ukwazisa umbolekisi wakho ukuba iintlawulo zakho ezongezelelweyo kufuneka zifakwe kwinqununu, kungekhona inzala. Ngaphandle koko, umbolekisi angasebenzisa iintlawulo kwiintlawulo ezicwangcisiweyo zexesha elizayo, ezingayi kukugcina imali.

Kwakhona, zama ukuhlawula kwangethuba kwimali-mboleko, xa inzala iphezulu. Usenokungayiqondi, kodwa uninzi lwentlawulo yakho yenyanga kwiminyaka embalwa yokuqala iya kwinzala, hayi inqununu. Kwaye inzala iyadityaniswa, nto leyo ethetha ukuba inzala yenyanga nganye imiselwa sisixa-mali esityalwayo (inqununu nenzala).

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Ukuhlawula imali-mboleko yakho kwangoko kunokukunceda wonge amawaka eedola kwinzala. Kodwa ngaphambi kokuba uqale ukuphosa isixa semali kwelo cala, kuya kufuneka uqwalasele izinto ezimbalwa ukuze ubone ukuba lukhetho olufanelekileyo.

Ngalo lonke ixesha uhlawula i-mortgage, yahlulahlulwe phakathi kwenqununu kunye nenzala. Uninzi lwentlawulo luya kwinzala kwiminyaka embalwa yokuqala yemboleko. Uya kuba netyala lenzala encinane njengoko uhlawula inqununu, isixa semali obuyibolekile ekuqaleni. Ekupheleni kwemboleko, ipesenti enkulu kakhulu yentlawulo iya kwinqununu.

Unokufaka iintlawulo ezongezelelweyo ngokuthe ngqo kwibhalansi yenqununu ye-mortgage. Iintlawulo ezingundoqo ezongezelelweyo zinciphisa isixa semali oya kuyihlawula kwinzala ngaphambi kokuba inzala ibe nokwanda. Oku kungathatha iminyaka kwithuba lakho lokubambisa kwaye kukugcine amawaka eedola.

Masithi uboleka i-150.000 yeedola ukuze uthenge indlu enenzala eyi-4% kunye nexesha leminyaka engama-30. Xa uhlawula imali-mboleko, uya kuba uhlawule inzala eyi-107.804,26 yeedola. Oku kongezwa kwi-150.000 yeedola oqale wayiboleka.

IKhatyhuleyitha ye-Mortgage yeeVeki ezimbini

Unokukwazi ukwandisa iintlawulo zakho kuphela ngesixa esithile ngonyaka. Khangela isixa esithile kwikhontrakthi yakho yokubambisa. Ukuba unyusa iintlawulo zakho ngaphezulu kwelungelo lokuhlawula kwangaphambili likuvumela, kungafuneka uhlawule isohlwayo.

Ngokuqhelekileyo, xa unyuse iintlawulo zakho, awukwazi ukuzinciphisa kude kube sekupheleni kwexesha. Ixesha lixesha lekhontrakthi yakho yokubambisa, kubandakanywa izinga lenzala kunye nezinye iimeko. Ixesha linokuhluka ukusuka kwiinyanga ezimbalwa ukuya kwiminyaka emi-5 okanye ngaphezulu.

Abanye ababolekisi bemali-mboleko banokukuvumela ukuba wandise ubude bemali mboleko yakho ngaphambi kokuba ixesha liphele. Ababolekisi babiza olu khetho lohlaziyo kwangethuba ngokuba ludibaniso kunye nokwandisa ukhetho. Bakwenza oko ngenxa yokuba inzala yabo endala kunye nekota entsha ixutyiwe.