Imali-mboleko iyahamba
Umyinge wexesha lokubuyisela imali kwi-mortgage yiminyaka engama-25. Nangona kunjalo, ngokophononongo olwenziwe yi-mortgage broker L&C Mortgages, inani labathengi bokuqala bemali-mboleko yeminyaka engama-31 ukuya kwengama-35 liphindeke kabini phakathi kuka-2005 no-2015.
Masithi uthenga ipropathi eyi-£250.000 ngexabiso le-3% kwaye unediphozithi engama-30%. Ukuboleka i-£175.000 kwiminyaka engama-25 kuya kukubiza i-£830 ngenyanga. Ukuba iminyaka emihlanu yongezwa, intlawulo yenyanga iyancitshiswa ibe yi-738 pounds, ngelixa i-35-year mortgage ibiza kuphela i-673 pounds ngenyanga. Leyo yi-1.104 yeponti okanye i-1.884 yeponti ngaphantsi ngonyaka.
Nangona kunjalo, kufanelekile ukujonga isivumelwano semali mboleko ukuze ubone ukuba ungahlawula ngaphezulu na. Ukukwazi ukuyenza ngaphandle kwezohlwayo kukunika ukuguquguquka ngakumbi ukuba unonyuso okanye umoya wemali. Unako kwakhona ukuhlawula isixa sekhontrakthi ukuba amaxesha aba nzima.
Kufanelekile ukucinga ngako, njengoko nayiphi na imali eyongezelelweyo oyifaka kwi-mortgage yakho ngaphezu kwesixa-mali esiqhelekileyo senyanga siya kufinyeza ubude bemali-mboleko, okonga inzala eyongezelelweyo kubomi bemali-mboleko.
mboleko engenanzala
Njengoko umndilili weminyaka yabathengi bokuqala unyuka, abafaki-zicelo bezindlu-mboleko baxhalabile malunga nemida yobudala. Nangona ubudala bunokuba ngumba ofanele uqwalaselwe xa ufaka isicelo semali-mboleko, loo nto ayingomqobo ekuthengeni ikhaya. Kwelinye icala, abafaki-zicelo abangaphezulu kweminyaka engama-40 ubudala bafanele baqonde ukuba ubude bemali-mboleko buya kuthathelwa ingqalelo nokuba iintlawulo zenyanga zinokunyuka.
Ukuba ngumthengi wokuqala ngaphezulu kwama-40 akufanele kube yingxaki. Ababolekisi abaninzi bajonga iminyaka yakho ekupheleni kwexesha lokubambisa, kunokuba ekuqaleni. Oku kungenxa yokuba imali yokubambisa inikwa ubukhulu becala ngokusekelwe kumvuzo wakho, osoloko usekwe kumvuzo. Ukuba uthatha umhlala-phantsi ngelixa uhlawula imali-mboleko, kuya kufuneka ubonise ukuba umvuzo wakho wasemva kokuthatha umhlala-phantsi wanele ukuqhubeka uhlawula imali-mboleko.
Ngenxa yoko, ixesha lakho lokubambisa liya kuba lifutshane, kwaye ubuninzi beminyaka engama-70 ukuya kuma-85. Nangona kunjalo, ukuba awukwazi ukubonisa ukuba umvuzo wakho wasemva kokuthatha umhlala-phantsi uya kuhlawulela imali yakho yokubambisa, imali yakho yokubambisa inokuthotywa ukuya kwixesha lomhlalaphantsi likazwelonke.
Jumbo Mortgage
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.
Ngaba ndingafumana imali mboleko yeminyaka engama-35 kwi-40?
Ukukhetha i-mortgage yinxalenye ebalulekileyo yenkqubo yokuthenga ikhaya. Ukukhetha imali-mboleko yeminyaka eli-15 endaweni yekota yeminyaka engama-30 ivakala njengentshukumo ekrelekrele, akunjalo? Akunjalo. Ukukhetha ixesha elifutshane lokubambisa kunenzuzo ethile yokonga inzala. Nangona kunjalo, ukuba umvuzo wakho uphantsi kakhulu kwixesha le-15 leminyaka, imali-mboleko yeminyaka engama-30 iya kuba nexabiso eliphantsi ngenyanga. Ukuba awuqinisekanga malunga nokuba loluphi uhlobo lwemali mboleko oza kuyikhetha, jonga apha ngezantsi ukuze ufumanise ukuba yeyiphi ekulungeleyo.
Umahluko ophambili phakathi kweminyaka eyi-15 kunye ne-30 yeminyaka yokuboleka imali kukuba iintlawulo kunye nenzala ziqokelelwa njani. Ngemali-mboleko yeminyaka eli-15, iintlawulo zakho zenyanga ziphezulu, kodwa uya kuhlawula ngaphantsi kwenzala iyonke. Ngemali-mboleko yeminyaka engama-30, okuchaseneyo kudla ngokuba njalo. Uya kugqiba ukuhlawula ngaphezulu kwendlu yakho ngenxa yenzala. Kodwa iintlawulo zokubambisa zihlala ziphantsi.
Xa uzama ukwenza isigqibo malunga nexesha le-mortgage, cinga malunga neyona nto ilungele uhlahlo lwabiwo-mali lwakho. Zama ukulinganisa iindleko zizonke. Umzekelo, masithi ufuna ukuboleka i-150.000 yeedola ukuze uthenge indlu. Unokukhetha phakathi kwe-15-year-mortgage rate kwi-4,00% okanye i-30 ye-mortgage rate kwi-4,50%. Kwisicwangciso seminyaka eyi-15, intlawulo yakho iya kuba malunga ne-1.110 yeedola ngenyanga, ingabandakanyi i-inshurensi kunye neerhafu. Uya kugqiba ukuhlawula kufutshane ne-50.000 yeedola kwinzala kubomi bemali-mboleko.
