Ngaba ndingafumana imali-mboleko yeminyaka engama-25 kunye neminyaka engama-40?
Xa uthenga okanye uhlaziya ikhaya, esinye sezigqibo ezibalulekileyo ekufuneka uzenze kukuba ufuna ukubolekwa imali yeminyaka eli-15 okanye engama-30. Nangona zombini iinketho zibonelela ngentlawulo yenyanga emiselweyo kwithuba leminyaka emininzi, kukho umahluko omkhulu phakathi kwezi zimbini kunexesha eliza kulithatha ukuhlawula ikhaya lakho.
Kodwa yeyiphi eyona ifanelekileyo kuwe? Makhe sijonge kwizinto ezilungileyo kunye nezibi zobude bemali-mboleko ukuze ukwazi ukubona ukuba loluphi ukhetho olufanele uhlahlo lwabiwo-mali lwakho kunye neenjongo zemali ngokubanzi.
Umahluko omkhulu phakathi kwe-mortgage ye-15 yeminyaka kunye ne-30 ye-mortgage yeminyaka ubude bayo nganye. I-mortgage yeminyaka eyi-15 ikunika iminyaka eyi-15 ukuba uhlawule yonke imali oyibolekile ukuthenga ikhaya lakho, ngelixa i-mortgage yeminyaka engama-30 ikunika kabini ixesha elide lokuhlawula imali efanayo.
Zombini iminyaka eyi-15 kunye neminyaka engama-30 yokubolekwa kwezindlu ngokwesiqhelo yacwangciswa njengemali-mboleko enexabiso elimiselweyo, nto leyo ethetha ukuba izinga lenzala limiselwa ekuqaleni, xa uthatha imali-mboleko yokubambisa, kwaye kwaloo nzala ifanayo iyagcinwa kulo lonke ixesha. imali-mboleko. Kwakhona udla ngokuba nentlawulo yenyanga efanayo kulo lonke ixesha le-mortgage.
Iinketho zexesha lokubolekwa kwezindlu
UJustin Pritchard, uCFP, ungumcebisi wentlawulo kunye neengcali ngezemali. Ibandakanya iibhanki, iimali-mboleko, utyalo-mali, imali yokubambisa kunye nokunye okuninzi kwiBalance. Une-MBA evela kwiYunivesithi yaseColorado, kwaye usebenze kwiimanyano zamatyala kunye neefemu ezinkulu zemali, kunye nokubhala malunga nezezimali zomntu ngaphezu kweminyaka engamashumi amabini.
UCharles yingcali evunyiweyo kuzwelonke yeemalike ezinkulu kunye nomfundisi-ntsapho oneminyaka engaphezu kwama-30 yamava ephuhlisa iinkqubo zoqeqesho olunzulu kwiingcali zezimali ezisakhasayo. UCharles ufundise kumaziko ahlukeneyo aquka iGoldman Sachs, uMorgan Stanley, iSociete Generale kunye nezinye ezininzi.
Nangona kunjalo, ngenxa yokuba imali-mboleko ineminyaka eyi-10 ubude, iintlawulo zenyanga kwi-mortgage yeminyaka engama-40 ingaphantsi kune-mboleko yeminyaka engama-30, kwaye umahluko mkhulu ngakumbi xa uthelekiswa nemali-mboleko yeminyaka eyi-15. Iintlawulo ezincinci zenza ezi mboleko zinde zibe nomtsalane kubathengi abathi:
Ekubeni i-40-year-mortgages ayiqhelekanga, kunzima ukuyifumana. Awukwazi ukufumana imali mboleko ye-FHA yeminyaka engama-40, kwaye abaninzi ababolekisi abakhulu abaniki mboleko iminyaka engaphezu kwama-30. Uzakufuna ikhredithi elungileyo ukuze ufumane enye ukuba uyayifumana, kwaye izinga lenzala kwezi mboleko linokuba phezulu.
Iindidi ze-40-year-mortgages
Ukuba uziqeshile ixesha elingaphantsi konyaka, akukho ndlela zininzi zokukhetha. Iibhanki ezininzi azinakuboleka ngenxa yokuba awukabinazo iimbuyekezo zerhafu yengeniso nangenxa yokuba amashishini amatsha anokungaqiniseki okuthe chatha kwezemali.
Isizathu sesokuba xa uthatha isigqibo sokuvala ishishini lakho ungaphinda ubuyele emsebenzini komnye umntu onomvuzo ofanayo. Ngesi siseko, sinokukunceda ucele imali-mboleko ukuya kuthi ga kwi-80% yexabiso lepropati.
Omnye wababolekisi bethu unokuvuma iimali-mboleko zabantu abazisebenzelayo isithuba esiphakathi konyaka omnye ukuya kwemibini, ukuba nje bebekumgca omnye womsebenzi kangangexesha elithile kwaye banonyaka ubuncinci bemali yeshishini elitsha.
Ukuba unexhala lokuba imeko yakho yomsebenzi iya kukuthintela ekufikeleleni kwimali-mboleko yokubambisa, sitsalele umnxeba kule nombolo 1300 889 743 okanye ugcwalise ifomu yethu yokuvavanya simahla. Siziingcali ekuncedeni abaziqeshileyo ukuba bafumane iimveliso mboleko yezindlu ezinenzala enkulu.
Njengoko unokucinga, oku kwenza umahluko omkhulu kwisicelo sakho semali-mboleko. Kubalulekile ukuqaphela ukuba umbolekisi ngamnye uyakutolika imbuyekezo yakho yerhafu ngokwahlukileyo kwaye unokuthathela ingqalelo izakhono zakho njengosomashishini, amava oshishino, kunye neprofayile yomngcipheko weshishini ekumiseleni indlela yokuvavanya umvuzo wakho.
I-avareji yobude be-mortgage e-UK
Xa uthatha isigqibo phakathi kweemveliso ezithile, kunokuba lula ukuhamba nezona zidumileyo. Kodwa xa kuziwa ekukhetheni imveliso efanelekileyo yokubolekwa kwempahla kwiinjongo zakho, ukuhamba neyona ndlela idumileyo isenokungabi sesona sigqibo silungileyo.
Iimali mboleko zihlala zinexesha elithile lokuhlawula imali-mboleko. Oku kwaziwa njengexesha le-mortgage. Elona xesha liqhelekileyo lokuboleka imali eUnited States yiminyaka engama-30. I-mortgage yeminyaka engama-30 inika umboleki iminyaka engama-30 ukubuyisela imali mboleko yakhe.
Uninzi lwabantu abanolu hlobo lwe-mortgage aluyi kugcina imali mboleko yokuqala iminyaka engama-30. Enyanisweni, ixesha eliqhelekileyo lemali mboleko, okanye ubomi bayo obuqhelekileyo, bungaphantsi kweminyaka eyi-10. Oku akubangelwa kukuba aba baboleki bahlawula imali-mboleko ngexesha lerekhodi. Abanini bezindlu banokuthi bahlawule imali entsha yokubambisa okanye bathenge ikhaya elitsha ngaphambi kokuba ixesha liphele. Ngokutsho kweNational Association of REALTORS® (NAR), abathengi balindele kuphela ukuhlala kwikhaya abalithengayo umyinge weminyaka eli-15.
Ke kutheni le nto i-30 yeminyaka yokukhetha ilixesha eliphakathi kwi-mortgages e-United States? Ukuthandwa kwayo kunento yokwenza nezinto ezininzi ezahlukeneyo, ezifana nenzala ekhoyo ngoku yendlu-mboleko, intlawulo yenyanga, uhlobo lwendlu ethengwayo, okanye iinjongo zemali zomboleki.
