Inzala yemali-mboleko yeminyaka engama-30
Amazinga enzala anempembelelo kwixesha lemali obolekwa ngayo kunye nemali oza kuyihlawula nyanga nganye, ngoko ke kufuneka uziqhelanise nayo. Zimbini iinketho eziphambili ezikhoyo, isantya esisisigxina okanye esiguquguqukayo. Jonga kumaxabiso ethu angoku okanye ucele umnxeba kwi-Mortgage Master yasekhaya; Baya kukuvuyela ukukunceda ukhethe olona khetho lufanelekileyo.
Abanye bethu banqwenela ukhuseleko lwexabiso elimiselweyo, njengoko oko kuthetha ukuba iintlawulo zakho ziya kufana kwixesha elimiselweyo. Sishwankathele amaxabiso ethu azinzileyo emali mboleko yezindlu ezintsha kwitshathi entle engezantsi.
Abathengi bezindlu zokubolekwa kwezindlu banokufudukela kwixabiso eliphantsi lemali-mboleko-kwixabiso (LTV), apho umlinganiselo wemali-mboleko-kwixabiso utshintsha ngokwaneleyo ngexesha le-mortgage. Kukho ulwazi oluninzi malunga nolu khetho apha
Abathengi abakhoyo bemali-mboleko yokubambisa banokutshintshela kwireyithi yemali-mboleko-kwixabiso lenkampani entsha (LTV) xa i-LTV itshintsha ngokwaneleyo ngexesha lemali-mboleko. Ungafumana ulwazi oluninzi malunga nolu khetho Apha
Ngaba i-2,75 yinzala elungileyo yemali-mboleko?
Sifumana imbuyekezo kwamanye amahlakani aneentengiso zivela kweli phepha. Asikhange sihlolisise zonke iimveliso ezikhoyo okanye unikezelo. Imbuyekezo inokuphembelela indlela unikezelo oluvela ngayo kwiphepha, kodwa izimvo zethu zomhleli kunye neereyithingi azichatshazelwa yimbuyekezo.
Uninzi okanye zonke iimveliso eziboniswe apha zivela kumaqabane ethu asihlawulela ikhomishini. Le yindlela esenza ngayo imali. Kodwa isidima sethu somhleli siqinisekisa ukuba izimvo zeengcali zethu aziphenjelelwa yimbuyekezo. Iimeko zinokusebenza kunikezelo oluvela kweli phepha.
Xa kuziwa ekufumaneni imali-mboleko, unokhetho. Unokufumana imali-mboleko yeminyaka engama-30, engama-20, okanye eli-15 leminyaka. Kodwa i-15 yeminyaka mboleko iya kuthetha ukuthatha iintlawulo eziphezulu zenyanga. Ngoko ukuba unohlahlo lwabiwo-mali olungqongqo, ukhetho lwakho lunokulinganiselwa kwi-20- okanye i-30 ye-mortgage yeminyaka, kunokuba i-15- okanye i-30 ye-mortgage yeminyaka. Apha siza kukunceda wenze isigqibo sokuba leliphi ixesha le- mortgage elikulungeleyo.Izinto eziluncedo kunye nezingeloncedo ze-Mortgage yeminyaka engama-20Zininzi izizathu ezivakalayo zokuthatha imali-mboleko yeminyaka engama-20: Kwelinye icala, kukho izinto ezingalunganga zokuthatha imali-mboleko yeminyaka engama-20. I-XNUMX yeminyaka yokubambisa:
Loluphi uhlobo olulungileyo lwe-mortgage ka-2022
Uninzi okanye zonke izinikezelo kule ndawo zivela kwiinkampani apho abangaphakathi babuyekezwa (uluhlu olupheleleyo, bona apha). Iingqwalaselo zentengiso zinokuphembelela indlela kunye nalapho iimveliso zivela khona kule ndawo (kuquka, umzekelo, ukulandelelana kwazo) kodwa azichaphazeli naziphi na izigqibo zokuhlela, ezifana nokuba zeziphi iimveliso esibhala ngazo kunye nendlela esizivavanya ngayo. I-Personal Finance Insider iphanda uluhlu olubanzi lweminikelo xa usenza iingcebiso; nangona kunjalo, asiqinisekisi ukuba ulwazi olunjalo lumele zonke iimveliso okanye unikezelo olukhoyo kwimarike.
Umyinge wenzala kwi-mortgage esisigxina ye-30 edumileyo yi-4,31%, ngokwedatha evela kwi-S & P Global. Amazinga enzala ye-mortgage ahlala etshintsha, kwaye kukho izinto ezininzi ezinokuchaphazela izinga lakho lenzala. Nangona ezinye zazo ziziimeko zobuqu olawula kuzo, kwaye ezinye awunazo, kubalulekile ukwazi ukuba izinga lakho lenzala linokuthi lijongeke njani xa uqala inkqubo yokufumana imali-mboleko yokubambisa.
Ithini inzala yemali-mboleko yangoku? Nangona inzala yemali-mboleko yendlunkulu iguquguquka mihla le, u-2020 kunye no-2021 yayiyiminyaka yerekhodi ephantsi kwi-mali-mboleko kunye nenzala yokubuyisela imali kwi-US. kwizinga lenzala umbolekisi ayakukunika yona. Amazinga e-Mortgage ayahluka ngomboleki, ngokusekelwe kwizinto ezifana nekhredithi yakho, uhlobo lwemboleko, kunye
Ngaba i-4,75 yinzala elungileyo yemali-mboleko?
*Iminxeba isenokurekhodwa ngeenjongo zolawulo noqeqesho. Iireyithi zokufowunela kwiinombolo ze-03 ziyafana nezo zofowunela kwiinombolo zefowuni zasekhaya eziqhelekileyo zase-UK eziqala ngo-01 okanye ku-02 kwaye zikwabandakanywa kumzuzu kunye neepakethe zokufowuna ezingenamkhawulo.
Nceda uqaphele ukuba eli khonkco liya kukuthatha kwiwebhusayithi eqhutywa ngomnye umbutho. Asinalo ulawulo kumxholo wewebhusayithi zangaphandle kwaye asikwazi ukwamkela naluphi na uxanduva lwezinto eziphathekayo kwiiwebhusayithi ezinjalo. Yamkela kwaye uqhubeke
