Umbolekisi we-mortgage ufuna intlawulo ephantsi ye-20 kwaye unikezela ngemboleko yeminyaka engama-30 kwizinga lenzala ye-3,5
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala nongakhethi cala, 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.
Ngaba kungcono ukuhlawula isixa-mali sokubambisa okanye intlawulo yenyanga eyongezelelweyo?
Emva kokuzinza kwikhaya okanye ukufumana ukuguquguquka okuncinci kwezemali, abaninimzi abaninzi baqala ukuzibuza, "Ngaba kufuneka ndenze intlawulo eyongezelelweyo ye-mortgage?" Ngapha koko, ukwenza iintlawulo ezongezelelweyo kunokonga kwiindleko zenzala kwaye kucuthe ubude bemali-mboleko yakho, ikusondeze kakhulu ekubeni ube nekhaya lakho.
Nangona kunjalo, ngelixa ingcamango yokuhlawula imali-mboleko yakho ngokukhawuleza kwaye uhlala kwikhaya lakho ngaphandle kwe-mortgage ivakala ilungile, kunokubakho izizathu zokuba kutheni ukwenza iintlawulo ezongezelelweyo kwinqununu kungabi nangqiqo.
"Ngamanye amaxesha kumnandi ukwenza iintlawulo ezongezelelweyo zokubambisa, kodwa akusoloko kunjalo," utshilo uKristi Sullivan weSullivan Financial Planning eDenver, eColorado. “Ngokomzekelo, ukuhlawula i-$200 eyongezelelekileyo ngenyanga kwimali-mboleko yakho ukuze uyithobe ukusuka kwiminyaka engama-30 ukusa kwiminyaka engama-25 kwindlu onokucinga nje ukuhlala kuyo eminye iminyaka emihlanu akuncedi. Uya kuyenza intlawulo eyongezelelweyo yenyanga kwaye awusoze ufumane inzuzo yayo ».
Nangona abaninzi bevuma ukuba uchulumanco lokuphila ngaphandle kokubambisa kuyakhulula, lunokuphunyezwa ngeendlela ezininzi. Ngoko wazi njani ukuba kuyavakala ukuba uqale ukuhlawula inqununu encinci kwinyanga nganye kwi-mortgage yakho? Kuxhomekeke kwimeko yakho yezemali kunye nendlela olawula ngayo iimali zakho ezinokuvela.
Ngaba kungcono ukuhlawula ngaphezulu imali mboleko okanye ukonga?
Ukuhlawula imali mboleko yendlu kwangethuba kunokuba linyathelo elilungileyo kubaboleki abaninzi. Ingagcina amawaka eedola kwinzala kwaye ikunike amathuba amaninzi enkululeko yezemali. Abaninimzi banokukhetha ukugcina imali eyongezelelweyo, ukwenza utyalo-mali, okanye ukuyibeka kwizicwangciso zomhlalaphantsi.
Kukho izizathu ezininzi zokuqwalasela ukuhlawula kwangaphambili imali-mboleko. Umzekelo, inzala egcinwe kwimali-mboleko yeminyaka engama-30 kwikhaya le-120.000 yeedola inokuba yi-170.000 yeedola. Ngaphandle kwaloo ntlawulo yenyanga, kuya kwandiswa ukuhamba kwemali yenyanga, imali enokusetyenziswa kutyalo-mali okanye ifakwe kwi-akhawunti yokonga. Uxolo lwengqondo lokuba nendlu simahla, ngaphandle kokutyala nto nakubani, luxabisekile.
Ukuhlawula nje inqununu encinci kwinyanga nganye kuya kuvumela umboleki ukuba ahlawule i-mortgage kwangoko. Ukuhlawula nje i-$ 100 ngaphezulu ngenyanga kwinqununu ye-mortgage kunciphisa inani leenyanga zeentlawulo. A 30 unyaka (360 ngenyanga) mortgage ingancitshiswa malunga 24 iminyaka (279 iinyanga), nto leyo yokonga 6 iminyaka. Kukho iindlela ezininzi zokufumana loo $100 eyongezelelweyo ngenyanga: thatha umsebenzi wesingxungxo, unciphise ukutya, uncame ikomityi yekofu eyongezelelekileyo suku ngalunye, okanye mhlawumbi esinye isicwangciso esisodwa. Qwalasela okunokwenzeka; inokumangalisa indlela ekulula ngayo ukufezekiswa.
Ikhatyhuleyitha yokuBhalwa kwangaphambili kweNtlawulo
Xa uthatha imali-mboleko, iintlawulo zakho zenyanga zenziwe ngokuyinhloko kwinqununu kunye nenzala. Njengomgaqo jikelele, ukwenza iintlawulo ezongezelelweyo nje kwibhalansi eyintloko kunokukunceda ukuba uhlawule imali mboleko ngokukhawuleza kwaye unciphise iindleko ezipheleleyo zemboleko. Kodwa uya kufuna ukuqiniseka ukuba umbolekisi wakho wamkela iintlawulo eziziinqununu kuphela kwaye akakohlwayi ngokuzenza okanye ukuhlawula imali mboleko yakho kwangoko.
Inqaku loHlelo: I-Credit Karma ifumana imbuyekezo kubathengisi beqela lesithathu, kodwa oko akuchaphazeli uluvo lwabahleli bethu. Abathengisi bethu abaphononongi, bavume okanye baxhase umxholo wethu wokuhlela. Ichanekile ngokolwazi nenkolelo yethu xa ipapashwa.
Sicinga ukuba kubalulekile ukuba uqonde indlela esenza ngayo imali. Enyanisweni, ilula kakhulu. Izibonelelo zeemveliso zemali ozibonayo kwiqonga lethu zivela kwiinkampani ezisihlawulayo. Imali esiyifumanayo isinceda ukuba sikwazi ukufikelela kumanqaku etyala kunye neengxelo simahla kwaye isinceda senze ezinye izixhobo zethu zemfundo ezintle kunye nemathiriyeli.
Imbuyekezo inokuphembelela ukuba zivela phi kwaye njani iimveliso kwiqonga lethu (kwaye ngoluphi ulandelelwano). Kodwa ngenxa yokuba senza imali ngokubanzi xa ufumana isithembiso osithandayo kwaye usithenge, sizama ukukubonisa izinikezelo esicinga ukuba zikulungele wena. Yiyo loo nto sinikezela ngeempawu ezinje ngokuvunywa kunye noqikelelo lokonga.
