Ishedyuli ye-amortization
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Yeyiphi ipesenti yemali-mboleko yeminyaka engama-30 ehlawulwayo kwiminyaka eyi-10?
Kubantu abaninzi, ukuthenga ikhaya lolona tyalo-mali lukhulu abanokuthi balwenze. Ngenxa yexabiso layo eliphezulu, abantu abaninzi badla ngokufuna imali yokubambisa. I-mortgage luhlobo lwemali-mboleko ehlawulelwayo ekuthi ngalo ityala lihlawulwe ngezavenge ngamaxesha athile kwixesha elithile. Ixesha le-amortization libhekisela kwixesha, kwiminyaka, apho umboleki ethatha isigqibo sokuzinikezela ekuhlawuleni imali-mboleko.
Nangona olona hlobo luthandwayo luyi-30 yeminyaka emiselweyo yemali-mboleko, abathengi banezinye iindlela, kuquka i-15 yeminyaka yokubambisa. Ixesha le-amortization alichaphazeli kuphela ixesha eliya kuthatha ukubuyisela imali-mboleko, kodwa kunye nemali yenzala eya kuhlawulwa kubo bonke ubomi be-mortgage. Amaxesha amade okuhlawula athetha iintlawulo ezincinci zenyanga kunye neendleko eziphezulu zenzala kubomi bemali-mboleko.
Ngokuchaseneyo, amaxesha amafutshane okuhlawula akholisa ukuthetha iintlawulo eziphezulu zenyanga kunye nexabiso eliphantsi lilonke lenzala. Luluvo olulungileyo kuye nabani na okhangela imali yokubambisa ukuba aqwalasele iindlela ezahlukeneyo zokuhlawula imbuyekezo ukuze afumane eyona ilufaneleyo ulawulo kunye nokonga okunokubakho. Ngezantsi, sijonga iindlela ezahlukeneyo zokubolekwa kwezindlu kubathengi banamhlanje.
Kwinqanaba lokubuyisela kwangaphambili kwimali-mboleko ehlawulweyo, intlawulo yakho yenyanga
I-amortization emfutshane inokukongela imali, kuba uhlawula inzala encinci kubomi bemali-mboleko yakho. Imali yakho yentlawulo yemali-mboleko iya kuba phezulu, kuba uhlawula imali eseleyo ngexesha elincinci. Nangona kunjalo, unokwakha i-equity kwikhaya lakho ngokukhawuleza kwaye ube simahla kwi-mortgage kwakamsinya.
Jonga itshathi engezantsi. Ibonisa iimpembelelo zamaxesha amabini ahlukeneyo okuhlawula amatyala kwintlawulo yokubambisa kunye neendleko zenzala iyonke. Ixabiso lilonke lenzala linyuka kakhulu ukuba ixesha le-amortization lidlula iminyaka engama-25.
Awunyanzelekanga ukuba ubambelele kwixesha le-amortization olikhethileyo xa ufaka isicelo semali-mboleko yakho. Kuyavakala ngokwezemali ukuphonononga kwakhona i-amortation yakho ngalo lonke ixesha uhlaziya imali yakho yokubambisa.
Iintlobo ezimbini zeemali-mboleko ezihlawulelwayo
Ukufaka isicelo semali mboleko yendlu okokuqala kunokuba ngamava anzima. Kuya kufuneka ufake amaphepha amaninzi. Umbolekisi wakho uya kujonga ikhredithi yakho. Kuya kufuneka wonge amawaka eedola ukuhlawula intlawulo yakho, irhafu yepropathi, kunye neendleko zokuvala.
Iintlawulo ezinemali mboleko emiselweyo, imali-mboleko apho izinga lenzala lingatshintshi, liya kuhlala lingatshintshi. Basenokunyuka okanye behle kancinci ukuba iirhafu zepropathi okanye iindleko ze-inshorensi ziyenyuka okanye zihla.
Intlawulo yemali-mboleko eguquguqukayo isebenza ngokwahlukileyo. Kolu hlobo lwemali mboleko, izinga lenzala liya kuhlala lisisigxina inani elithile leminyaka, ngokuqhelekileyo 5 okanye 7. Emva koko, izinga lenzala liya kutshintsha ngamaxesha-kuxhomekeke kuhlobo lwe-mortgage eguquguqukayo oye wafumana isivumelwano-kuxhomekeke kwi-evolution ye-mortgage. isalathiso apho imali-mboleko inxulunyaniswe naso. Oku kuthetha ukuba emva kwexesha elimiselweyo, izinga lakho linganyuka okanye lihle, nto leyo ebangela ukuba intlawulo yakho yenyanga yenze okufanayo.
Imali yokubambisa nge-ARM inika ukungaqiniseki okuthile: Awusoze wazi ukuba yimalini yentlawulo yendlu-mboleko inokunyuka emva kokuphela kwexesha elimiselweyo lokuqala. Yiyo loo nto abanye ababoleki behlaziya ii-ARM zabo kwiimali mboleko ezimiselweyo phambi kokuba kuphele ixesha elimiselweyo.
