Iinketho zexesha lokubolekwa kwezindlu
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 ziqokelelana 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.
Isibali Sexesha le-Mortgage
Xa uthenga okanye uhlawulela ikhaya, esinye sezigqibo ezikhulu zokuqala oza kuzenza kukuba ufuna i-15 yeminyaka okanye engama-30 yokuboleka imali. Nangona zombini iinketho zibonelela ngentlawulo yenyanga esisigxina kwithuba leminyaka emininzi, kukho umahluko phakathi kwezi zimbini kunokuba nje uyakuthatha ixesha elingakanani ukuhlawula indlu yakho.
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.
i-mortgage calculator
Xa uthenga okanye uhlawulela ikhaya, esinye sezigqibo ezikhulu zokuqala oza kuzenza kukuba ufuna i-15 yeminyaka okanye engama-30 yokuboleka imali. Nangona zombini iinketho zibonelela ngentlawulo yenyanga esisigxina kwithuba leminyaka emininzi, kukho umahluko phakathi kwezi zimbini kunokuba nje uyakuthatha ixesha elingakanani ukuhlawula indlu yakho.
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.
Ingaba luhlala ixesha elingakanani imvume yokuthenga indlu?
Xa ungumnikazi wendlu ngokuthe ngqo, ungasebenzisa iimali-mboleko ezahlukahlukeneyo ukuze ufumane imali-mboleko ngexabiso lekhaya lakho. Iinketho ezilungileyo zokusebenzisa i-equity ekhaya ngeqondo eliphantsi lenzala ibandakanya i-cash-out refinancing, i-home equity loans, kunye ne-home equity lines of credit (HELOCs).
Ungaboleka ukuya kuthi ga kwi-80% yexabiso lekhaya lakho. Nge-VA cash-out refinancing ungafumana ukuya kuthi ga kwi-100% yexabiso lekhaya lakho, kodwa ngamagqala kuphela kunye namalungu asebenzayo enkonzo afanele ukubolekwa imali kwi-VA.
Abanini bezindlu banokuboleka ukuya kuthi ga kwi-80% yexabiso lendlu yabo kunye nemboleko yezindlu, eyaziwa ngokuba yimali mboleko yesibini. Nangona kunjalo, ezinye iibhanki ezincinci kunye neemanyano zamatyala zinokukuvumela ukuba ukhuphe i-100% yenkunzi yakho.
Iimali mboleko zezindlu zinenzala ephezulu xa kuthelekiswa nenkxaso-mali, kodwa amazinga asezantsi xa kuthelekiswa nekhadi letyala okanye imali mboleko. Njengoko iyimali-mboleko yezavenge kunye nenzala emiselweyo, uya kuba nomrhumo omiselweyo wenyanga.
Ungasebenzisa imali yakho. Kodwa ukuba awunayo imali eninzi-okanye awufuni kuchukunyiswa ukonga kwakho okanye olunye utyalo-mali - i-cash-out refinance okanye i-home equity line yekhredithi inokukunceda uthenge enye ipropati.