Inkcazo kunye neentlobo zeemali-mboleko ze-mortgage
Kufumaniseka ukuba i-63% yabaninimzi basekwinkqubo yokuhlawula amatyala abo okubambisa. Ukuba ucinga ngokuthengisa kodwa ubambekile ngeminye iminyaka eyi-17 yeentlawulo zezindlu, nantsi into ekufuneka uyazi.
Xa uthengisa, ufuna ukuba ne-equity eyaneleyo yokuhlawula ibhalansi yakho yemali mboleko, uhlawule iindleko zokuvala, kwaye wenze inzuzo. Ekuvaleni, imali yomthengi iqala ihlawule imali eseleyo yemali mboleko yakho kunye neendleko zokuvala, kwaye emva koko ikuhlawule enye. Ukuba uthengisa ikhaya lakho ngokukhawuleza emva kokuthenga, jonga nombolekisi wakho ukuze ubone ukuba isohlwayo sentlawulo yangaphambili siyasebenza na kwimali mboleko yakho.
Ukufumana isixa-mali se-amortization yeyona ndlela ilungileyo yokufumana uqikelelo oluchanekileyo lokuba usetyala malini kwimali mboleko yakho. Unokufumana isixa-mali sokuhlawula ngokuqhagamshelana nombolekisi wakho ngefowuni okanye kwi-intanethi. Nceda uqaphele ukuba isixa-mali se-amortization yahlukile kwibhalansi yemali-mboleko eseleyo eboniswe kwisiteyitimenti sakho senyanga semali-mboleko. Isixa-mali sokuhlawulelwa siquka inzala efunyenweyo ngomhla wokuvala, ngoko linani elichaneke ngakumbi. Xa ufumana uhlahlo lwabiwo-mali lwe-amortization, umbolekisi uya kukwazisa ngexesha layo, elidla ngokuba phakathi kweentsuku ezili-10 nezingama-30.
I-Mortgage ngokuchasene mboleko
Namhlanje, abantu abaninzi abagqibi behlala ezindlwini zabo de kuhlawulwe imali-mboleko, nto leyo enokubangela ukuba abathengisi abaninzi bazibuze ukuba bangakwazi na ukuthengisa amakhaya abo ngelixa betyala imali. Impendulo elula nguewe, kodwa ukuba ungomnye wabo bathengisi, qhubeka ufunda. Nantsi into eyenzekayo kwi-mortgage yakho xa uthengisa ikhaya lakho.
Ukubeka nje, kwintengiso yesiko, kuya kufuneka ukwazi ukuthengisa ikhaya lakho ngaphezulu kwento otyala yona ngoku kwi-mortgage yakho. Ukuba ubuhlawula imali-mboleko yakho kwiminyaka edlulileyo, uya kuba wakhe i-equity kwikhaya lakho onokuyisebenzisa xa uyithengisa.
Xa ukuthengiswa kwendlu kuvalwa, phakathi kwentlawulo ephantsi kunye nemboleko-mali mboleko, umthengi unikela ngemali elingana nexabiso lentengiso yendlu. Ezo mali zisetyenziselwa ukuhlawula oku kulandelayo:
Ukuba kukho nayiphi na imali eseleyo emva kokuhlawula onke loo matyala, enye ihlawulwa kuwe njengenzuzo. Unokusebenzisa ezo mali ukuxhasa ngemali intlawulo ephantsi kwikhaya elitsha okanye ngayo nayiphi na enye into oyibona ifanelekile.
sebenzisa ipropati njengesibambiso semali-mboleko yase-uk
I-mortgage yendlu yimali-mboleko eyenziwe yibhanki, inkampani ye-mortgage, okanye elinye iziko lezemali lokuthenga indawo yokuhlala - nokuba yindawo yokuhlala ephambili, indawo yokuhlala yesibini, okanye indawo yokuhlala yotyalo-mali - ngokuchaseneyo nepropati yezorhwebo okanye kwimizi-mveliso. Kwimali-mboleko yendlu, umnini-ndlu (umboleki) udlulisela itayitile kwipropati kumbolekisi phantsi komqathango wokuba itayitile iya kubuyisela umva kumnini yakuba intlawulo yemali-mboleko yenziwe kwaye iintlawulo zenziwe. imiqathango yemali mboleko.
I-mortgage kwikhaya yenye yezona ndlela zixhaphakileyo zamatyala, kwaye yenye yezona zinconywa kakhulu. Ekubeni ilityala eliqinisekisiweyo - kukho i-asethi (indawo yokuhlala) esebenza njengesibambiso semali-mboleko-imali-mboleko inenzala ephantsi kunayo nayiphi na enye uhlobo lwemali-mboleko enofunyanwa ngumthengi ngamnye.
Iimali zokubolekwa kwezindlu zivumela iqela elibanzi kakhulu labemi ithuba lokuba ne-real estate, kuba akuyomfuneko ukuba negalelo kwixabiso lokuthenga indlu kwangaphambili. Kodwa ekubeni umbolekisi unetayitile yepropati ngelixa i-mortgage iyasebenza, banelungelo lokuvala indlu (ithathe kumniniyo kwaye uyithengise kwimarike evulekileyo) ukuba umboleki akakwazi ukwenza intlawulo.
Intsingiselo yendlu yokuboleka imali
Ukuba awukwazi ukwenza iintlawulo kwaye ukusilela kwimali-mboleko yakho, unokuphulukana nekhaya lakho. Ukuba kunjalo, ikhaya lakho liya kuthengiswa ukuze kuhlawulwe zombini imali yakho yokuqala neyesibini yokubambisa. Umbolekisi wakho wokuqala wokubambisa uya kuba ngowokuqala ukufumana intlawulo.
I-HELOC isebenza njengetyala eliqhelekileyo. Ungaboleka imali nanini na ufuna, ukuya kuthi ga kumda wetyala. Ungayikhupha imali kwi-HELOC nanini na xa uyifuna. Uyayibuyisela aze ayiboleke kwakhona. Lo mgca wetyala ukhuselwe likhaya lakho.
Usenokukwazi ukuyiboleka kwakhona imali oyihlawule kwangaphambili. Ukuba wenze iintlawulo zebhaluni kwi-mortgage yakho, umbolekisi wakho unokukuvumela ukuba uboleke loo mali kwakhona. Ungaboleka isixa esipheleleyo sazo zonke iintlawulo zangaphambili ozenzileyo. Imali oyibolekayo kwakhona iya kongezwa kwi-mortgage total.
Ngemali oyibolekileyo, uya kuhlawula inzala edibeneyo okanye inzala efanayo nemali mboleko yakho. Inzala edibeneyo idibanisa inzala yakho yangoku kunye nezinga elikhoyo ngoku kwikota entsha.
