i-mortgage yexesha elide
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, ezifana nenzala ekhoyo ngoku yendlu-mboleko, intlawulo yenyanga, uhlobo lwendlu ethengwayo okanye iinjongo zemali zomboleki.
Elona xesha lide lokuboleka imali
Ukukhetha i-mortgage yinxalenye ebalulekileyo yenkqubo yokuthenga ikhaya. Ukukhetha ixesha le-15 leminyaka 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
Iimali mboleko zezindlu ziza kuzo zonke iimilo kunye nobukhulu, ukusuka kwiinketho zokuhlawula ezisezantsi ukuya kwimali-mboleko yejumbo. Ukongeza kuhlobo lwe-mortgage oyikhethayo, kufuneka wenze isigqibo sokuba ufuna ukubuyisela ixesha elingakanani imali-mboleko, ebizwa ngokuba lixesha le-mortgage.
Kukho iintlobo ezininzi zeemali mboleko ezifumanekayo zokukunceda uthenge ikhaya, kodwa ezona zixhaphakileyo zezeminyaka eli-15 okanye engama-30. Ukuba ufuna iintlawulo eziphantsi zenyanga, unokufuna ukwandisa imali mboleko yendlu ukuya kwiminyaka engama-30. I-15-year mortgage ingaba neentlawulo eziphezulu zenyanga, kodwa inciphisa ubomi bemali mboleko ngesiqingatha, nto leyo ethoba isixa senzala oyihlawulayo.
Zombini i-15 yeminyaka kunye ne-30 ye-mortgage ye-mortgage ingaba namazinga enzala esisigxina kunye neentlawulo ezimiselweyo zenyanga zobomi bemboleko. Nangona kunjalo, imali-mboleko yeminyaka eyi-15 ithetha ukuba indlu yakho iya kuhlawulwa ngaphezulu kweminyaka eyi-15 endaweni yemali-mboleko yeminyaka engama-30, ukuba nje usenza iintlawulo ezifunekayo zenyanga.
Imali-mboleko yeminyaka eli-15 idla ngokuthwala inzala ephantsi, nangona amazinga emali-mboleko ehlala ephantsi kangangexesha elithile. Nangona kunjalo, iintlawulo zenyanga ziphezulu kwi-mortgage ye-15 yeminyaka kuba inqununu ihlawulwa ngokukhawuleza kune-mortgage yeminyaka engama-30.
Iinketho zexesha lokubolekwa kwezindlu
Ngo-Epreli ka-2022, ixesha eliphakathi lokuvala imali mboleko yayiziintsuku ezingama-48, ngokwe-ICE Mortgage Technology. Kodwa abaninzi ababoleki baya kuvala ngokukhawuleza. Ixesha elichanekileyo lokuvala lixhomekeke kuhlobo lwemali-mboleko kunye nokuba intsonkothe kangakanani imvume yemali-mboleko, phakathi kwezinye izinto.
"Amaxesha okuvala ayahluka, njengoko i-avareji yelizwe izisa imali-mboleko ethatha ixesha elide ukuvala kuneemali-mboleko eziqhelekileyo, ezinje nge-VA kunye ne-HFA," wongeza uJon Meyer, ingcali yemali-mboleko kwi-Mortgage Reports kunye ne-MLO enelayisensi. "Uninzi lwababoleki banokulindela ukuvala kwi-mortgage kwiintsuku ezingama-20 ukuya kwezingama-30."
Nokuba ungumthengi wokuqala okanye uphinda umthengi wendlu entsha, kufuneka uqwalasele inkqubo yokukhangela ekhaya. Udinga unikezelo olwamkelweyo ukuze uvunywe imali yakho yokubambisa, ngoko awukwazi ukuqalisa inkqubo epheleleyo de ube ulifumene ikhaya olifunayo. Oku kunokongeza enye inyanga okanye ezimbini kucwangciso lwakho.
Ukufumana ukwamkelwa kwangaphambili kuthetha ukuba umbolekisi uvuma yonke imiba yemali mboleko yendlu, ukongeza kwipropati. Nje ukuba ube nesipho esamkelweyo, umbolekisi wakho sele enentloko enkulu yokuqalisa kwimvume yakho yokugqibela.
