Kuthetha ukuthini ukuba akukho ntlawulo yesohlwayo?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Ukuhlawulwa kwangaphambili kwe-mortgage
Inzala kunye neentlawulo zilungelelaniswa ngokuzenzekelayo rhoqo kwiinyanga ezi-6 Inzala kunye neentlawulo zilungelelaniswa ngokuzenzekelayo rhoqo ngenyanga Nciphisa iintlawulo zakho zenyanga. Umahluko Ukhuselwe ekunyukeni kwamazinga enzala Iintlawulo ezizinzileyo Ukuzuza kumaxabiso aphantsi Utshintsho lwexabiso Ireyithi ilungiswa rhoqo ngeenyanga ezi-6 Eyona nto ingcono kuwo omabini amazwe Idibanisa izibonelelo zexesha elide lokubolekwa kwezindlu Ireyithi ilungelelanisa inyanga nenyanga Thatha iadvanteji iinguqu kumazinga enzala Ukhetho lwentlawulo olukhawulezileyo lweVeki olukhawulezayo lweveki ezimbini olukhawulezileyo lwesiqingatha sonyaka olukhawulezileyo lwenyanga olukhawulezayo lwenyanga olukhawulezayo lweVeki olunesiqingatha sonyaka Ukukhawuleziswa kweNyanga kweVeki okukhawulezileyo kwesiqingatha sonyaka kuKhawuleziswa ngeNyanga okuKhawulezayo kwiVeki yesiqingatha sonyaka
Imali-mboleko evulekileyo inokuhlawulwa ngokuyinxenye okanye ngokupheleleyo nangaliphi na ixesha ngaphandle kokuhlawula isohlwayo. Ngenxa yoku bhetyebhetye, amaxabiso emali-mboleko avulekileyo ahlala ephezulu kunamaxabiso emali-mboleko evaliweyo. Kufanelekile ukuba uqinisekile ukuba unokuhlawula imali-mboleko yakho ngexesha elifutshane.
Indlela yokuphepha isohlwayo sentlawulo ye- mortgage prepayment
Intlawulo yokuhlawula kwangaphambili idla ngokuchazwa kwisolotya kwisivumelwano semali-mboleko echaza ukuba isohlwayo siya kuwiswa ukuba lowo ubolekayo uyayibuyisela kakhulu imali-mboleko ngaphambi kokuba ifike, ngokuqhelekileyo kwiminyaka emithathu yokuzinikela kwimali-mboleko. Isohlwayo ngamanye amaxesha sisekelwe kwipesenti yemali eseleyo ye-mortgage, okanye ingaba yinani elithile leenyanga zenzala. Izohlwayo zokuhlawula kwangaphambili zikhusela umbolekisi kwilahleko yemali yenzala ebinokuthi ukuba ihlawulwe ekuhambeni kwexesha.
Ababolekisi babandakanya izohlwayo zokuhlawula kwangaphambili kwiikontrakthi zokubambisa ukuze kulungiswe umngcipheko wokuhlawula kwangaphambili, ngokukodwa kumaxesha anzima ezoqoqosho kunye neemeko apho inkuthazo yomboleki ukuba ahlawule i-subprime mortgage ephezulu. Ezi zohlwayo azisebenzi kuphela xa umboleki ehlawula yonke imali-mboleko. Amanye amalungiselelo esohlwayo aqala ukusebenza ukuba umboleki uhlawula inxalenye enkulu yemali-mboleko kwintlawulo enye.
Ukongeza isohlwayo sentlawulo yekhadi lemali-mboleko kunokukhusela ekuhlawuleni kwangaphambili okanye ukuthengiswa kwendlu kwiminyaka emithathu yokuqala emva kokuvalwa kwe-mortgage, xa umboleki ethathwa njengomngcipheko kumbolekisi. Kwelinye icala, izohlwayo zokuhlawula kwangaphambili zinokongezwa njengendlela yokubuyisela ingeniso ethile xa imali-mboleko yemali-mboleko ibhengezwa ngomyinge ongaphantsi komlinganiselo wenzala.
IKhatyhuleyitha yeZohlwayo ze-Mortgage Prepayment
IKhatyhuleyitha ye-Mortgage Prepayment Calculator iya kukunceda ufumanise ukuba uya konga ngaphezulu na okanye ungene kwiindleko ezininzi ekuhambeni kwexesha ukuba uyayihlawula ngokukhawuleza imali-mboleko yakho. Ke ngoko, esi sibali sinokusetyenziswa njengekhaltyhuleyitha yokukhawulezisa imali yokubambisa.
Eli nqaku licacisa indlela esebenza ngayo intlawulo-mboleko yendlu, isohlwayo se- mortgage prepayment, kunye nezinye iindlela onokuthi uziphonononge ukuhlawula imali-mboleko yakho ngobulumko. Ngokomzekelo, ukwandisa ukuphindaphinda kweentlawulo ze-mortgage, ezifana neshedyuli ye-biweekly yokuhlawula i-mortgage, kunokukhokelela ekubeni wenze iinyanga ezili-13 zentlawulo ye-mortgage ngonyaka, xa kuthelekiswa neenyanga ezili-12 eziqhelekileyo. Ungabala isohlwayo sakho sentlawulo yangaphambili kwaye ufunde indlela yokusinciphisa okanye usiphephe ngokupheleleyo usebenzisa isixhobo sethu sokubala isohlwayo semali-mboleko. Unokujonga kwimali-mboleko ye-FHA kunye ne-VA mboleko, engenaso isohlwayo sentlawulo yangaphambili.
Ungayihlawula kwangaphambili imali-mboleko yakho ngokuhlawula isixa-mali okanye ngokwenza iintlawulo ezincinci ezongezelelweyo phezu kwezavenge zakho zenyanga. Ezi ntlawulo zongezelelweyo zitsalwa kwibhalansi eyintloko, enciphisa isixa sisonke senzala ebiya kufunyanwa ngumbolekisi.
