Iimali zokubambisa zihlala ixesha elingakanani?
I-mortgage isoloko iyimfuneko ekuthengeni ikhaya, kodwa kunokuba nzima ukuqonda ukuba uhlawula ntoni kwaye yintoni onokukwazi ukuyihlawula. Ikhatyhuleyitha yokubambisa inokunceda ababoleki baqikelele iintlawulo zabo zenyanga ngokubhekiselele kwixabiso lokuthenga, intlawulo ephantsi, izinga lenzala, kunye nezinye iindleko zenyanga zomninimzi.
1. Faka ixabiso lendlu kunye nesixa sentlawulo yokuqala. Qala ngokongeza ixabiso elipheleleyo lokuthenga ikhaya ofuna ukulithenga kwicala lasekhohlo lesikrini. Ukuba awunayo indlu ethile engqondweni, unokuzama ngalo mzobo ukuze ubone ukuba yeyiphi na indlu onokufikelela kuyo. Ngokufanayo, ukuba ucinga ngokwenza umnikelo kwindlu, le calculator inokukunceda ukuba ubone ukuba unganikezela kangakanani. Okulandelayo, yongeza intlawulo ephantsi olindele ukuyenza, mhlawumbi njengepesenti yexabiso lokuthenga okanye njengexabiso elithile.
2. Faka inzala. Ukuba sele ukhangele imali-mboleko kwaye unikwe uthotho lwenzala, faka enye yaloo maxabiso kwibhokisi yenzala esekhohlo. Ukuba awukayifumani inzala okwangoku, ungafaka umndilili wangoku wemali yemali-mboleko njengesiqalo.
Iireyithi zokubolekwa kwezindlu zeminyaka engama-35
Sebenzisa isikhokelo sethu ukuqonda ukuba olu khetho luyichaphazela njani intlawulo yakho yenyanga, iindleko zakho zizonke ngaphambili nangexesha, kunye nenqanaba lomngcipheko wakho. Imali-mboleko "ukhetho" luhlala lwenziwe zizinto ezintathu ezahlukeneyo:
Ngokubanzi, okukhona ixesha lemali-mboleko, kokukhona uya kuhlawula inzala eninzi. Imali-mboleko yexesha elifutshane ikholisa ukuba neendleko zenzala ephantsi kodwa iintlawulo zenyanga eziphezulu kuneemali-mboleko zexesha elide. Kodwa okuninzi kuxhomekeke kwiinkcukacha: Iindleko zenzala ephantsi kunye neentlawulo eziphezulu zenyanga zixhomekeke kwixesha lemali-mboleko nakwizinga lenzala.Okufuneka ukwazi ukuba Amagama amafutshane akholisa ukonga imali iyonke, kodwa anezavenge eziphezulu zenyanga. Kukho izizathu ezibini zokuba amagama amafutshane anokongela imali: Inzala iyahluka phakathi kwababolekisi, ngakumbi ngokwemiqathango emifutshane. Phonononga inzala kwimigaqo eyahlukeneyo yemali-mboleko ukuze ubone ukuba ufumana isivumelwano esilungileyo na. Soloko uthelekisa imali-mboleko esemthethweni, ebizwa ngokuba luqikelelo lwemali-mboleko, phambi kokuba wenze isigqibo sakho. Abanye ababolekisi banokubonelela ngeemali-mboleko zebhaluni. Iintlawulo zenyanga kwiimali-mboleko zebhaluni ziphantsi, kodwa kuya kufuneka uhlawule isixa esikhulu xa uboleka imali. Ulwazi oluninzi malunga nemali-mboleko yehlabathi
Iindidi ze-40-year-mortgages
Kunokubakho iindidi ezididayo zokubolekwa kwezindlu, kodwa kuninzi lwabathengi bezindlu, ngokwesiqhelo, inye kuphela. Imali-mboleko yeminyaka engama-30 yexabiso elimiselweyo yinto eqhelekileyo yaseMelika, i-apile pie yezixhobo zemali. Yindlela izizukulwana zabantu baseMelika abaye bayithatha ukuze babe nekhaya labo lokuqala
I-mortgage ayikho ngaphezu kohlobo oluthile lwemali mboleko yexesha, eqinisekisiwe yi-real estate. Kwixesha lemali-mboleko, lowo ubolekayo uhlawula inzala ebalwa ngonyaka ngokuchasene nentsalela eseleyo yemali-mboleko. Zombini inzala kunye nesavenge senyanga zimisiwe.
Ekubeni intlawulo yenyanga imisiwe, inxalenye eya kukuhlawula inzala kunye nenxalenye ehambayo yokuhlawula inqununu iyatshintsha ngokuhamba kwexesha. Ekuqaleni, ngenxa yokuba ibhalansi yemali-mboleko iphezulu kakhulu, ininzi yentlawulo yenzala. Kodwa njengoko ibhalansi iba yincinci, inxalenye yenzala yentlawulo ihla kwaye inxalenye eyintloko inyuka.
Imali-mboleko yexesha elifutshane ithwala intlawulo ephezulu yenyanga, yenza ukuba imali-mboleko yeminyaka eyi-15 ibonakale ifikeleleka kangako. Kodwa ixesha elifutshane lenza ukuba imali-mboleko ingabizi kakhulu kwiinkalo ezininzi. Ngapha koko, kubomi bemali-mboleko, i-mortgage yeminyaka engama-30 iya kugcina ixabisa ngaphezulu kokuphindwe kabini kunokhetho lweminyaka eyi-15.
Ngaba ungafumana imali mboleko yeminyaka engama-40?
Intlawulo ye-mortgage inamacandelo amabini: inqununu kunye nenzala. Inqununu ibhekisa kwisixa-mali semali mboleko. Inzala sisixa-mali esongezelelweyo (esibalwe njengepesenti yenqununu) ababolekisi bakuhlawulisa ngelungelo lokuboleka imali onokuthi uyibuyisele ekuhambeni kwexesha. Ngexesha le-mortgage, uhlawula ngezavenge zenyanga ngokusekelwe kwishedyuli ye-amortization esekwe ngumbolekisi wakho.
Ayizizo zonke iimveliso zokubambisa ezifanayo. Ezinye zinemigaqo engqongqo kunezinye. Abanye ababolekisi banokufuna i-20% yentlawulo ephantsi, ngelixa abanye bafuna kancinci njenge-3% yexabiso lokuthenga ikhaya. Ukuze ube nokufanelekela ezinye iintlobo zeemali mboleko, udinga ikhredithi egqibeleleyo. Ezinye zijoliswe kubaboleki abanetyala eliphantsi.
Urhulumente wase-US akangombolekisi-mali, kodwa uqinisekisa iintlobo ezithile zeemali-mboleko ezihlangabezana neemfuno ezingqongqo zokufaneleka komvuzo, imida yemali-mboleko, kunye nemimandla yejografi. Apha ngezantsi kukho isishwankathelo semali-mboleko enokubakho enokwenzeka.
Imboleko yesiqhelo yimali-mboleko engaxhaswanga ngurhulumente wobumbano. Ababoleki abanetyala elihle, umsebenzi ozinzileyo kunye nembali yengeniso, kunye nokukwazi ukubeka i-3% intlawulo ephantsi basoloko befaneleka kwimali mboleko eqhelekileyo exhaswa nguFannie Mae okanye uFreddie Mac, iinkampani ezimbini ezixhaswa ngurhulumente ezithenga kwaye zithengise uninzi lwemali-mboleko yesiqhelo. eUnited States.
