Ngaba ndingalungisa i-mortgage yam 2022 ireland
Ukongeza ekukhetheni kwiintlobo ezininzi zeemveliso zokubambisa, ezifana nesiqhelo okanye i-FHA, unako ukukhetha xa kuziwa ekuseteni izinga lenzala yokuxhasa ikhaya lakho. Xa sithetha ngokubanzi, zimbini iindidi zenzala enemiba emininzi eyahlukayo kuzo zombini iireyithi ezimiselweyo nezilungelelanisiweyo.
Ukulungiswa kuthetha okufanayo kwaye kukhuselekile, ngelixa ukuguquguquka kuthetha utshintsho kunye nomngcipheko. Ukuba uceba ukuhlala kwikhaya lakho ixesha elide, awufane ucinge ngemali-mboleko ngaphandle kwe-mortgage yendlu emiselweyo. Ukuba unokuhamba kwisithuba seminyaka esixhenxe, imortgage ehlengahlengiswayo (ARM) iya kongela imali. Malunga ne-12% yazo zonke iimali-mboleko zezindlu zii-ARM, okanye iimali-mboleko ezilungelelanisiweyo.
Imali ebolekwayo enexabiso elimiselweyo iqhele ukuba yi-1,5 yepesenti ephezulu kuneemali-mboleko eziguquguqukayo okanye ezilungelelanisiweyo. (Amagama aguquguqukayo amaxabiso okuboleka imali kunye nexabiso eliguquguqukayo lokubolekwa kwezindlu lithetha into enye.) Nge-ARM, isantya sihlala simiselweyo iminyaka emithathu, emihlanu, okanye esixhenxe kwaye ke sinokuhlengahlengiswa ngonyaka ngamnye. Umzekelo, ukuba yimali-mboleko yeminyaka emihlanu eguquguqukayo, le mboleko ibizwa ngokuba yi-5/1ARM (iminyaka emihlanu emiselweyo, kwaye ihlengahlengiswa kwisikhumbuzo semali-mboleko).
I-Ireland ye-mortgage esisigxina okanye eguquguqukayo
Ukuphanda iinketho zakho kunokukukhokelela kwimali-mboleko yeminyaka engama-30, eyona ndlela idumileyo yenkxaso-mali. Kodwa yintoni i-mortgage yeminyaka engama-30? Nantsi inkcazo yolu hlobo lwemali-mboleko onokuyisebenzisa ukuze uzazise kwixesha elizayo xa uboleka imali.
I-30 yeminyaka eyi-fixed-rate-mortgage loan yi-mortgage eya kuhlawulwa kwiminyaka engama-30 ukuba zonke iintlawulo zenziwe ngeshedyuli. Ngemali-mboleko emiselweyo, inzala ihlala injalo kubomi bemali-mboleko.
Xa uthetha malunga neminyaka engama-30 ye-mortgage yezinga elimiselweyo, uhlala ubhekisa kwimali-mboleko eqhelekileyo. Iimali-mboleko eziqhelekileyo azixhaswa ngurhulumente; nangona kunjalo, kunokwenzeka ukuba ufumane i-30 yeminyaka emiselweyo ye-FHA, i-USDA, i-VA, imali mboleko ye-inshorensi karhulumente. I-Rocket Mortgage® ayiboneleli nge-USDA mboleko ngeli xesha.
Iimali-mboleko eziqhelekileyo ziwela kwiindidi ezimbini. Abanye bahambelana nemali-mboleko, okuthetha ukuba bayahlangabezana nemimiselo ukuba bathengiselwe uFreddie Mac okanye uFannie Mae. Abanye abathobeli, okuthetha ukuba abahlangabezani nezo zikhokelo.
Ngenxa yokwahluka kwemimiselo, iimali-mboleko eziqhelekileyo azilandeli uluhlu lweemfuno zemboleko. Nangona kunjalo, bakholisa ukuba nemithetho engqongqo kunemali mboleko exhaswa ngurhulumente njengeFHA. Amanqaku asezantsi etyala angama-620 kunye nomlinganiselo wetyala-kwingeniso (DTI) ongaphantsi kwama-50% ayafuneka ngokubanzi.
Kutheni imilinganiselo eguquguqukayo iphezulu kunemilinganiselo emiselweyo?
Ukuba ujonge ukuboleka ngaphezulu kweedola ezingama-548.250, ababolekisi kwiindawo ezithile bangakwazi ukukunika imigaqo eyahlukileyo kunaleyo idweliswe kwitheyibhile engentla. Kufuneka uqinisekise imiqathango kunye nombolekisi ngemali eceliweyo yemali-mboleko.
Irhafu ne-inshorensi ayiqukwanga kwimiqathango yemali-mboleko: Imiqathango yemali-mboleko (imizekelo ye-APR neentlawulo) eboniswe ngasentla ayiquki iimali zerhafu okanye izavenge zeinshorensi. Imali yakho yentlawulo yenyanga iya kuba phezulu ukuba iirhafu kunye nezavenge zeinshorensi zibandakanyiwe.
Le theyibhile ilandelayo itsalela kunye uphando olubanzi lwesizwe lwababolekisi-zindlu ukuze bakuncede ufumane awona maxabiso akhuphisanayo emali-mboleko. Le theyibhile yenzala ihlaziywa yonke imihla ukuze ikubonelele ngelona zinga langoku xa ukhetha imali mboleko yendlu.
Ii-FAQ ze-10 ye-Mortgage ye-Mortgage yokuFumana elona Bholethi-mali Lingcono kuwe Wakuba ugqibe ukuba leliphi ixesha elikulungeleyo, yenza inkuthalo yakho ukufumana eyona mali ingcono yokuboleka. (Nazi iindidi ezintlanu zeemali zokubambisa ekufuneka ziqwalaselwe.) Phanda kwaye uthelekise amaxabiso emali-mboleko evela kumaqumrhu ahlukeneyo, anokuba ziibhanki zemveli, ababolekisi be-intanethi kunye nabathengisi bezindlu. Zilungiselele ngokuphonononga ingxelo yakho yetyala ukuze uqinisekise ukuba ichanekile, kwaye ufumane umbono wokuba yimalini onokuyihlawula ngenyanga nganye. Iindaba ezilungileyo kukuba naliphi na ixesha lonyaka linokuba lixesha elifanelekileyo lokuthenga i-mortgage. Iikhomishini ze-10-year mortgage ziya kufana nezo zezinye ii-mortgages. Ukuba ukhetha i-mortgage kunye nexesha elide lokubuyisela kwaye unqume ukuba ufuna ukuyihlawula ngokukhawuleza-uthi, kwiminyaka eyi-10-bala ukuba intlawulo yakho yenyanga iya kuba yintoni na ukuba unohlobo lwe-10 yeminyaka ye-mortgage kwaye uhlawule loo mali ngenyanga nganye. Qinisekisa ukuba uyalela umbolekisi wakho ukuba afake imali eyongezelelweyo kwinqununu. Olu lukhetho olulungileyo kubaboleki abafuna ukuhlawula ngokurhabaxa kodwa abafuni ukutshixelwa kwiintlawulo eziphezulu. Ezinye izixhobo eziluncedo:
Ububi bomlinganiselo wenzala oguquguqukayo
Izinga lenzala kwi-tsb mboleko esisigxina inokwahluka kwimilinganiselo eboniswe kweli phepha. I-APRC imele i-Annual Percentage Rate of Charge. I-LTV imele iLoan to Value. I-APRC ecatshulweyo yi-APRC eqhelekileyo esekelwe kwimali-mboleko eqikelelwayo ye-€ 100.000 kunye nexesha leminyaka engama-20.
** Kwimeko ye-mortgage eluhlaza, kuya kufuneka unikeze ibhanki ubungqina bokuba ikhaya lakho lineSilinganiso saMandla eSakhiwo [BER] ukusuka kwi-A1 ukuya kwi-B3 (ibandakanya). Ngolwazi oluthe kratya, bona iphepha lethu kwi-green mortgage.
** Kwimeko ye-mortgage eluhlaza, kuya kufuneka unikeze ubungqina kwibhanki eqinisekisa ukuba ikhaya lakho lineSilinganiso saMandla oKwakha [BER] ukusuka kwi-A1 ukuya kwi-B3 (iquka). Ukufumana iinkcukacha ezithe vetshe, bona iphepha lethu le-Green Mortgage.
Ixabiso lesaphulelo liya kusebenza kwithuba le-1 unyaka ukususela kumhla wokukhutshwa kwemali mboleko, kodwa unokutshintsha kwixesha le-1 lesaphulelo sonyaka (kunye / okanye nangaliphi na ixesha ngaphambi kokutsalwa kwemali mboleko). Emva konyaka omnye, isaphulelo semali mboleko yakho siya kubuyela kwelinye lamaxabiso ethu aguquguqukayo alawulwa ngokusekwe kwi-LTV yakho ngexesha lokukhutshwa kwemali mboleko (oku kuya kuba yi-1% ephezulu kunexabiso lesaphulelo sakho) »).
