Lithetha ukuthini ixesha leminyaka eli-10 yokuhlawula amatyala ukuya kwiminyaka engama-30?
Ukuba nekhaya liphupha labantu abaninzi. Kodwa masijongane nayo, ukuthenga indlu akubizi. Ifuna isixa esibalulekileyo semali uninzi lwethu olungasokuze lube nako ukunikela ngalo. Yiyo loo nto kusetyenziswa imali yokubambisa. Iimali mboleko zivumela abathengi ukuba bathenge ipropathi kwaye bayihlawule ngokuhamba kwexesha. Nangona kunjalo, inkqubo yentlawulo ye-mortgage ayisiyonto abantu abaninzi abayiqondayo.
Imali-mboleko ye-mortgage iyancitshiswa, oku kuthetha ukuba isasazwa kwixesha elibekwe kwangaphambili ngeentlawulo ze-mortgage eziqhelekileyo. Emva kokuba elo xesha liphelile-umzekelo, emva kwexesha le-30 ye-amortization - i-mortgage ihlawulwe ngokupheleleyo kwaye indlu yeyakho. Intlawulo nganye oyenzayo imele indibaniselwano yenzala kunye ne-amortization eyintloko. Umlinganiselo womdla kwinqununu utshintsha kubo bonke ubomi be- mortgage. Into onokuthi ungayazi kukuba uninzi lwentlawulo yakho ihlawula inzala ephezulu kumanqanaba okuqala emboleko. Yiloo ndlela esebenza ngayo yonke into.
Inzala ye-mortgage yiloo nto uyihlawulayo kwimali-mboleko yakho yokubambisa. Isekelwe kwizinga lenzala ekuvunyelwene ngalo ngexesha lokusayina isivumelwano. Inzala ifunyenwe, nto leyo ethetha ukuba ibhalansi yemali-mboleko isekelwe kwinqununu kunye nenzala efunyenweyo. Iireyithi zinokulungiswa, ezihlala zizinzile kubomi bemali-mboleko yakho, okanye ukuguquguquka, okuhlengahlengiswa kumaxesha amaninzi ngokusekwe kukuguquguquka kwamaxabiso emarike.
Isicwangciso se-amortization kunye nentlawulo yenyanga esisigxina
Ishedyuli ye-amortization yirekhodi yeentlawulo zakho zemboleko ebonisa inqununu kunye nezixa-mali zenzala ezibandakanyiweyo kwintlawulo nganye. Ishedyuli ibonisa zonke iintlawulo ukuya ekupheleni kwexesha lemali-mboleko. Intlawulo nganye kufuneka ifane ngexesha ngalinye - nangona kunjalo, uya kuba netyala lenzala kwiintlawulo ezininzi. Ubuninzi bentlawulo nganye iya kuba yinqununu yemali-mboleko. Umgca wokugqibela kufuneka ubonise itotali yenzala oyihlawuleyo kunye neentlawulo eziyintloko zexesha lonke lemboleko.
Inkqubo yokufumana imali yokuthenga indlu inokuba nzima, ngakumbi kubantu abaqalayo ukuthenga izindlu. Uninzi lwemigaqo enxulumene nemboleko-mali inokuba mitsha kuwe, efana nemali-mboleko ehambelanayo, imali-mboleko engangqinelaniyo, inzala emiselweyo, inzala ehlengahlengisiweyo, kunye neshedyuli yokuhlawula imali-mboleko.
Yintoni ukuhlawula imali-mboleko? Ukuhlawula amortization yishedyuli yentlawulo yemali-mboleko kwaye inika ababoleki umbono ocacileyo wento abaya kuyihlawula kumjikelo ngamnye wokuhlawula imali. Uya kuba neshedyuli ezinzileyo nengaguqukiyo yokuhlawula ngalo lonke ixesha lemali-mboleko yakho.
i-mortgage calculator
Nokuba ucinga ukwenza isicelo semali mboleko okanye naluphi na uhlobo lwenkxaso-mali, kufuneka uqinisekise ukuba uyayiqonda imodeli yentlawulo yezi mboleko. Ngale ndlela, uya kukwazi ukuzazisa kakuhle ngaphambi kokuba uthathe uxanduva lokubuyisela.
Kwiimali-mboleko ezininzi, kubandakanywa iimali-mboleko, zombini iinqununu kunye nenzala zihlawulwa ngexesha lemali-mboleko. Yintoni eyahlukileyo ukusuka kwelinye imboleko ukuya kwelinye ngumlinganiselo phakathi kwezi zibini, omisela izinga lokuhlawula inqununu kunye nenzala. Kweli nqaku siza kuxoxa ngokuboleka imali mboleko ngokupheleleyo kwaye sithelekise nezinye izakhiwo zentlawulo.
Igama elithi amortization yijargon yemali-mboleko efanele ukuchazwa kwayo. I-Amortization ibhekisa nje kwisixa-mali senqununu kunye nenzala ehlawulwa nyanga nganye ngexesha lemali-mboleko. Ekuqaleni kwemboleko, ininzi yentlawulo iya kwinzala. Ngexesha lemali-mboleko, ibhalansi ngokuthe ngcembe inika enye indlela kude kube, ekupheleni kwekota, phantse yonke intlawulo iya ekuhlawuleni inqununu, okanye ibhalansi yemali mboleko.
Xa imali-mboleko ihlawulwe intlawulo yenyanga
Amacandelo amabini abalulekileyo kuyo nayiphi na i-mortgage lixesha le-amortization kunye nexesha le-mortgage. Ezi zinto zimbini azipheleli nje ekugqibeni xa uya kukhululeka kwi-mortgage, kodwa ziya kunceda ukuchaza iindleko zakho zizonke, inzala kunye neentlawulo zenyanga.
Xa kuthelekiswa, ixesha elide lokuhlawula amatyala lithetha iintlawulo eziphantsi zenyanga kodwa inzala eninzi ehlawulweyo kubomi bemali-mboleko yakho. Nangona oku kunokukufanelekela ukufumana ikhaya elibiza kakhulu, kuya kuthatha ixesha elide ukuhlawula imali yakho yokubambisa.
Ixesha le-25 leminyaka ye-amortization liqhelekileyo kubantu abaninzi baseCanada kunye nexesha eliphezulu elivumelekileyo kumakhaya afakwe kwi-inshurensi yi-CMHC. Ekubeni i-mortgages enentlawulo ephantsi ye-20% okanye ngaphantsi ifuna i-inshurensi ye-CMHC, kuya kufuneka wenze intlawulo enkulu (i-20% okanye ngaphezulu) ukukhusela ixesha elide le-amortization, njenge-30 okanye i-35 iminyaka.
Isicwangciso se-amortization okanye itafile ichaza ishedyuli yentlawulo nganye oya kuyenza kubo bonke ubomi bakho bokubambisa. Idla ngokuboniswa kunyaka ngamnye wexesha le-amortization. Ibonisa ukuba yimalini yentlawulo nganye eya kwinqununu yemali-mboleko kwaye iyasebenza kwinzala.
