I-invelopedia yokubambisana
Eli nqaku lidinga izicatshulwa ezongezelelweyo zokuqinisekisa. Nceda uncede ukuphucula eli nqaku ngokongeza izicatshulwa ezivela kwimithombo ethembekileyo. Izinto ezingasebenziyo zinokucelwa umngeni kwaye zisuswe. Fumana iMithombo: "Imali-mboleko yeKhaya" - Iindaba - Amaphephandaba - Iincwadi - Zezemfundo - JSTOR (Aprili 2020) (Funda indlela kwaye nini ukususa esi sithuba kwithemplethi)
Ababoleki-mali-mboleko basenokuba ngabantu ababambisa amakhaya abo okanye banokuba ziinkampani ezibambisa ngepropathi yorhwebo (umzekelo, iindawo zabo zoshishino, iindawo zokuhlala ezirentwayo, okanye ipotifoliyo yotyalo-mali). Umbolekisi udla ngokuba liziko lemali, elifana nebhanki, umanyano lwamatyala okanye inkampani yokubambisa, ngokuxhomekeke kwilizwe ekuthethwa ngalo, kwaye izivumelwano zemali-mboleko zingenziwa ngokuthe ngqo okanye ngokungathanga ngqo ngokusebenzisa abameli. Iimpawu zeemali-mboleko, ezifana nemali-mboleko, ukuvuthwa kwemboleko, izinga lenzala, indlela yokubuyisela imali mboleko kunye nezinye iimpawu, zinokuhluka kakhulu. Amalungelo omboleki kwipropati ekhuselweyo athatha indawo yokuqala ngaphezu kwabanye abatyalwayo bomboleki, nto leyo ethetha ukuba ukuba umboleki uyatshona okanye akatshoni, abanye abatyalwayo baya kufumana kuphela imbuyekezo yamatyala abanawo ngokuthengisa ipropati. ihlawulwa ngokupheleleyo kuqala.
Norsk mortgage
Xa ungumnikazi wendlu, 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.
Khangela amanani mboleko yezindlu
Enye yezinto eziluncedo ekuthengeni ikhaya kukuba unokwakha i-equity kuyo kwaye usebenzise elo lungelo ukuhlawulela ulungiso olukhulu lwekhitshi, ukuphelisa ityala lekhadi letyala letyala elinenzala ephezulu, okanye uncedise ekuhlawuleni imfundo yabantwana bakho ekholejini.
Ixabiso leNet ngumahluko phakathi kwento oyityalayo kwimali yokubambisa kunye nexabiso langoku lekhaya lakho. Ukuba utyala i-$150.000 kwimali-mboleko yakho yendlu kwaye ikhaya lakho lixabisa i-200.000 yeedola, une-50.000 yeedola ze-equity kwikhaya lakho.
Masithi uthenga indlu ngeedola ezingama-200.000. Unokwenza intlawulo ephantsi ye-10% yexabiso lokuthenga indlu, eya kuba yi-$ 20.000. Umbolekisi wakho uya kukunika imali-mboleko yendlu eyi-$180.000.
Kuphela ngumvavanyi wezindlu nomhlaba onokukunika uhlolo olusemthethweni lwexabiso lemarike yangoku yekhaya lakho. Nangona kunjalo, unokuqikelela ixabiso lekhaya lakho ngokujonga ukuthengiswa kwekhaya okuthelekiswayo kwindawo yakho okanye ngokujonga ukuthengiswa kwe-intanethi ye-real estate ebonelela ngoqikelelo lwexabiso lekhaya.
Ukufumana ukuba ungakanani na onokukwazi ukubeka phantsi linyathelo elikhulu ekuqondeni ukuba uya kwakha njani ixabiso kwikhaya lakho. Ukufumana imvume yokuboleka imali ngaphambi kokuba wenze isithembiso kuya kukunceda uqonde ukuba yimalini na imali oyongayo oya kuyidinga ukuyisebenzisela intlawulo ephantsi.
Imali mboleko yendlu
Igama elithi "i-mortgage" libhekisela kwimali-mboleko esetyenziselwa ukuthenga okanye ukugcina ikhaya, umhlaba, okanye ezinye iindidi ze-real estate. Umboleki uyavuma ukuhlawula umbolekisi ngexesha, ngokuqhelekileyo kuluhlu lweentlawulo eziqhelekileyo ezahlulwe zibe yinqununu kunye nenzala. Ipropati isebenza njengesibambiso ukukhusela imali-mboleko.
Umboleki kufuneka afake isicelo semali-mboleko ngokusebenzisa umbolekisi wakhe amkhethayo kwaye aqinisekise ukuba bayahlangabezana neemfuno ezininzi, ezinje ngamanqaku asezantsi etyala kunye neentlawulo eziphantsi. Izicelo ze- mortgage zihamba ngenkqubo engqongqo yokubhala phantsi ngaphambi kokuba zifike kwinqanaba lokuvala. Iindidi ze-mortgages ziyahluka ngokuxhomekeke kwiimfuno zomboleki, njengemali-mboleko eqhelekileyo kunye nemali mboleko emiselweyo.
Abantu kunye namashishini basebenzisa imali yokubambisa ukuze bathenge umhlaba ngaphandle kokuhlawula ixabiso elipheleleyo lokuthenga ngaphambili. Umboleki uyayihlawula imali-mboleko kunye nenzala kwinani elimiselweyo leminyaka ade abe ngumnini wepropati ngaphandle kwentlawulo. Iimali zokubambisa zikwabizwa ngokuba ziimali-mboleko ezichasene nepropati okanye amabango epropati. Ukuba umboleki uyasilela kwi-mortgage, umbolekisi unokuvala ipropati.
