Ngaba zilungisiwe okanye ziguquguquka ngcono?
Ukongeza ekukhetheni kwiintlobo ezininzi zeemveliso zokubambisa, ezifana nesiqhelo okanye i-FHA, unako ukukhetha xa kuziwa ekuseteni izinga lenzala yokuxhasa ikhaya lakho. Xa sithetha ngokubanzi, zimbini iindidi zenzala enezinto ezininzi ezahlukeneyo kuzo zombini iireyithi ezimiselweyo nezilungelelanisiweyo.
Ukulungiswa kuthetha okufanayo kwaye kukhuselekile, ngelixa ukuguquguquka kuthetha utshintsho kunye nomngcipheko. Ukuba uceba ukuhlala kwikhaya lakho ixesha elide, awufane ucinge ngemali-mboleko ngaphandle kwe-mortgage yendlu emiselweyo. Ukuba unokuhamba kwisithuba seminyaka esixhenxe, imortgage ehlengahlengiswayo (ARM) iya kongela imali. Malunga ne-12% yazo zonke iimali-mboleko zezindlu zii-ARM, okanye iimali-mboleko ezilungelelanisiweyo.
Imali ebolekwayo enexabiso elimiselweyo iqhele ukuba yi-1,5 yepesenti ephezulu kuneemali-mboleko eziguquguqukayo okanye ezilungelelanisiweyo. (Amagama aguquguqukayo amaxabiso okuboleka imali kunye nexabiso eliguquguqukayo lokubolekwa kwezindlu lithetha into enye.) Nge-ARM, isantya sihlala simiselweyo iminyaka emithathu, emihlanu, okanye esixhenxe kwaye ke sinokuhlengahlengiswa ngonyaka ngamnye. Umzekelo, ukuba yimali-mboleko yeminyaka emihlanu eguquguqukayo, le mboleko ibizwa ngokuba yi-5/1ARM (iminyaka emihlanu emiselweyo, kwaye ihlengahlengiswa kwisikhumbuzo semali-mboleko).
Inzala eguquguqukayo
Iimali mboleko ezimiselweyo kunye neemali mboleko ezilungelelanisiweyo (ii-ARM) zezona ntlobo zimbini zobambiso. Nangona imarike inikezela ngeendlela ezininzi kwiindidi ezimbini, inyathelo lokuqala ekuthengeni i-mortgage kukugqiba ukuba yeyiphi na iindidi ezimbini zemboleko ezihambelana neemfuno zakho.
Imali-mboleko yemali-mboleko emiselweyo ibiza inzala emiselweyo ehlala ifana ubomi bemali-mboleko. Nangona isixa senqununu kunye nenzala ehlawulwe nyanga nganye ihluka kwintlawulo ukuya kwintlawulo, intlawulo iyonke ihlala ifana, okwenza uhlahlo lwabiwo-mali lube lula kubanini bezindlu.
Le tshathi ilandelayo ye-amortization ibonisa indlela iimali zenqununu kunye nenzala ezitshintsha ngayo kubomi be-mortgage. Kulo mzekelo, ixesha le-mortgage yiminyaka engama-30, inqununu i-$ 100.000, kwaye inzala yi-6%.
Olona ncedo luphambili lwemali-mboleko emiselweyo kukuba lowo ubolekayo ukhuselwe ekunyukeni ngesiquphe nangokuba nokubaluleka okukhulu kwiintlawulo zenyanga zindlu xa inzala inyuka. Iimali mboleko ezizinzileyo kulula ukuziqonda kwaye zohluka kancinci ukusuka kumbolekisi ukuya kumbolekisi. Icala lemali-mboleko yexabiso elimiselweyo kukuba xa inzala iphezulu, kuba nzima ukufumana imali-mboleko kuba iintlawulo azifikeleleki. Ikhatyhuleyitha yokubambisa ingakubonisa ifuthe lemilinganiselo eyahlukeneyo kwintlawulo yakho yenyanga.
Eyona ntlawulo yemali-mboleko emiselweyo
Ukuzama ukuqikelela inzala kwimali mboleko yezindlu kunokuba lishishini elinobungozi, kodwa ngokwenene, bonke abaninikhaya bayayenza, nokuba bathatha isigqibo malunga nexabiso eliguquguqukayo okanye izinga elimiselweyo. Ukuba umtsha emarikeni okanye unexhala lokuba inzala iza kunyuka kwakamsinyane kunokuba kamva, ukutshixeka kuyo yonke okanye inxalenye yemali mboleko yakho kunokuba licebo elilungileyo.
Imali mboleko yezindlu ixhomekeke kwiimeko zakho, izimo zengqondo kunye nezizathu. Ukuba umtsha kwimarike kwaye awuziva ukhululekile ukuthatha umngcipheko, unokufuna ukucinga ngokukhetha imali mboleko yezindlu enexabiso elimiselweyo, njengoko uninzi lwabatyali-mali abatsha bezindlu besenza kwiminyaka embalwa yokuqala yemali mboleko yabo yendlu.
Ukuba uziva uzithembile malunga namazinga enzala kwaye uyakuvuyela ukuhlawula ngokufanayo nesininzi sabanye ababolekisi (xa sithetha ngokwentelekiso), intlawulo yemali-mboleko yendlu ehlengahlengiswayo inokulungela iimfuno zakho.
Imali-mboleko yemali-mboleko emiselweyo yimali-mboleko yendlu-mboleko enenketho yokutshixa (okanye 'ukutshixa') inzala yexesha elimiselweyo (elidla ngokuba phakathi konyaka omnye ukuya kwemihlanu). Enye yeenzuzo eziphambili kukhuseleko lokuhamba kwemali. Ngokwazi ngokuthe ngqo ukuba iintlawulo zakho ziya kuba yintoni, uya kukwazi ukucwangcisa kunye nohlahlo lwabiwo-mali lwexesha elizayo. Lo mba uhlala usenza ukuba imali-mboleko yemali-mboleko emiselweyo idume kakhulu ngabatyali-mali kwiminyaka emibini okanye emithathu yokuqala yobunini bepropathi.
Izinto eziluncedo kunye nezingeloncedo zokubolekwa kwemali-mboleko
Inzala yemali-mboleko yemali emiselweyo imiselwe lonke ixesha lemali-mboleko. Iintlawulo zibekwe kwangaphambili kwixesha, zikunika ukhuseleko lokwazi ngokuthe ngqo ukuba iintlawulo zakho ziya kuba yimalini kulo lonke ixesha. I-Fixed-rate-mortgages inokuvulwa (inokucinywa nangaliphi na ixesha ngaphandle kweendleko zokuqhawula) okanye ivaliwe (iindleko zokuqhawula ziyasebenza xa zicinyiwe ngaphambi kokuvuthwa).
Ngexabiso le-mortgage ehlengahlengiswayo, iintlawulo zendlu-mboleko zimiselwe ixesha, nangona izinga lenzala linokuthi liguquguquke ngelo xesha. Ukuba amazinga enzala awela, ngaphezulu kwentlawulo iya ekunciphiseni inqununu; ukuba amaxabiso ayenyuka, intlawulo eninzi iya kwintlawulo yenzala. Ixabiso eliguquguqukayo lemali mboleko yezindlu inokuvulwa okanye ivalwe.
