Iinzuzo kunye neengozi ze-mortgage yezinga elimiselweyo
Iimali zokubolekwa kwezindlu eziguquguqukayo ngokuqhelekileyo zibonelela ngamaxabiso aphantsi kunye nokuguquguquka okungakumbi, kodwa ukuba amaxabiso ayenyuka, unokugqiba ukuhlawula ngaphezulu kwixesha elizayo. Iimali mboleko ezimiselweyo zinokuba namaxabiso aphezulu, kodwa ziza nesiqinisekiso sokuba uya kuhlawula isixa esilinganayo nyanga nganye ngalo lonke ixesha.
Nanini na xa kukhontrakthi yokuboleka imali, enye yeendlela zokuqala kukwenza isigqibo phakathi kweereyithi ezimiselweyo okanye eziguquguqukayo. Kulula ukuba sesinye sezona zigqibo zibalulekileyo onokuthi uzenze, njengoko ziya kuchaphazela iintlawulo zakho zenyanga kunye neendleko zizonke zemboleko yakho ngokuhamba kwexesha. Nangona kusenokuhenda ukuhamba nelona zinga liphantsi linikezelwayo, akulula kangako. Zombini ezi ntlobo zemboleko zineenzuzo kunye neengxaki zazo, ngoko ke kufuneka uqonde ukuba i-fixed-rate kunye ne-variable-rate-rertgages isebenza njani ngaphambi kokuba wenze isigqibo.
Kwiimali mboleko ezimiselweyo, inzala iyafana kulo lonke ixesha. Ayinamsebenzi nokuba inzala iyenyuka okanye iyehla. Inzala yemali-mboleko yakho ayiyi kutshintsha kwaye uya kuhlawula isixa esifanayo ngenyanga nganye. Ixabiso lemali ebolekwayo lihlala linenzala ephezulu kunemali ebolekayo kuba iqinisekisa iqondo elingaguqukiyo.
Imali-mboleko yemali emiselweyo
KHANGELA: Xa kufikwa kwinzala yemali-mboleko, iireyithi ezimiselweyo zidla ngokubiza kakhulu kuneentlawulo eziguquguqukayo, kuba abantu abaninzi bazimisele ukuhlawula ngaphezulu ukuze bakhathazeke kancinci malunga naluphi na utshintsho lwemali. Nangona kunjalo, iinkxalabo malunga nokudodobala koqoqosho okunokwenzeka kutyhalele amaxabiso azinzileyo ukuba abe lolona khetho lusezantsi. -Novemba 23, 2019
Ngokuqhelekileyo, ukutshintsha ukusuka kwinqanaba eliguquguqukayo ukuya kwinqanaba elimiselweyo ngaphambi kokuphela kwexesha lakho lokubambisa kuthetha ukusayina izinga eliphezulu. Amazinga okubolekwa kwezindlu asisigxina ahlala ephezulu kunamaxabiso aguquguqukayo kuba abantu bazimisele ukuhlawula ngaphezulu ukuze bathuthuzele ukwazi ukuba inzala yabo ayiyi kutshintsha.
Nangona kunjalo, amazinga e-mortgage azinzileyo awele ngaphantsi kweereyithi eziguquguqukayo kwiinyanga, isiganeko esinqabileyo esibonisa inkxalabo yomtyali-mali malunga nokuba nokwenzeka kokudodobala koqoqosho kwixesha elizayo e-US naseCanada.FUNDA OKUNGAKUMBI: Ngamazinga amiselweyo angaphantsi kweereyithi eziguquguqukayo, imarike yemali-mboleko iphezu komzekelo. , inqanaba eliphantsi leminyaka emihlanu elimiselweyo elikhoyo kwilizwe lonke kwi-mortgage yesiqhelo okwangoku i-2,79%, ngokutsho kukaRobert McLister, umsunguli wesayithi lokuthelekisa amazinga e-RateSpy.com. Owona mlinganiselo usezantsi wokuguquguquka kwesithuba seminyaka emihlanu yi-2,89%, nto leyo ethetha ukuba abo banezinga eliguquguqukayo elinexesha leminyaka emihlanu banokufumana iqondo elisezantsi leminyaka emihlanu elimiselweyo kunolo lwangoku. Kwaye yintoni engcono kunokufumana ireyithi engcono kunye noxolo lwengqondo lwentlawulo ye-mortgage esisigxina? Ibali liyaqhubeka ngezantsi kwentengiso
Izinto eziluncedo kunye nezingeloncedo kwinzala ezinzileyo kunye neyohlukeneyo
Ukhetho lwemali mboleko esisigxina okanye eguquguqukayo ye-mortgage inokuxhomekeka kwizinto ozikhethayo. Apha ngezantsi, sijonga omnye umahluko phakathi kwemali mboleko esisigxina kunye neguquguqukayo ye-mortgage ukukunceda uthathe isigqibo sokuba yeyiphi eyona ikulungeleyo.
Kukho iindlela ezininzi zokubolekwa kwezindlu. Oku kubandakanya uhlobo lwentlawulo (umzekelo, "inqununu nenzala" ngokuchasene "nenzala kuphela") kunye nezinga lenzala. Kweli nqaku sigxininise kumazinga enzala kunye nendlela enokuchaphazela ngayo imali-mboleko ye-mortgage.
Imali mboleko yemali eqingqiweyo yeyomrhumo yexabiso lenzala apho inzala ivalwe khona (i.e., ilungisiwe) yexesha elithile, elihlala liphakathi kweminyaka elishumi. Ngexesha lokumiselwa kwenzala, zombini inzala kunye nezavenge ezifunekayo azitshintshi.
Ngokwahlukileyo, i-mortgage rate loan ingatshintsha nangaliphi na ixesha. Ababolekisi banokunyusa okanye banciphise inzala enxulumene nemali-mboleko. Izinga lenzala lisenokutshintsha ngenxa yezigqibo ezenziwe yiBhanki enguVimba yaseOstreliya, kwakunye nezinye izinto. Ubuncinci bexabiso lembuyekezo elifunekayo liya kunyuka ukuba izinga lenzala liyenyuka, kwaye lehle ukuba izinga lenzala liyehla.
30-iminyaka eguquguqukayo amazinga okubambisa
QAPHELA: Xa kufikwa kwinzala yemali-mboleko, iireyithi ezimiselweyo zithande ukubiza kakhulu kunamaxabiso aguquguqukayo, kuba abantu abaninzi bazimisele ukuhlawula ngaphezulu ukuze bakhathazeke kancinci malunga naluphi na utshintsho lwemali. Nangona kunjalo, iinkxalabo malunga nokudodobala koqoqosho okunokwenzeka kutyhalele amaxabiso azinzileyo ukuba abe lolona khetho lusezantsi. -Novemba 23, 2019
Ngokuqhelekileyo, ukutshintsha ukusuka kwinqanaba eliguquguqukayo ukuya kwinqanaba elimiselweyo ngaphambi kokuphela kwexesha lakho lokubambisa kuthetha ukusayina izinga eliphezulu. Amazinga okubolekwa kwezindlu asisigxina ahlala ephezulu kunamaxabiso aguquguqukayo kuba abantu bazimisele ukuhlawula ngaphezulu ukuze bathuthuzele ukwazi ukuba inzala yabo ayiyi kutshintsha.
Nangona kunjalo, amazinga e-mortgage azinzileyo awele ngaphantsi kweereyithi eziguquguqukayo kwiinyanga, isiganeko esinqabileyo esibonisa inkxalabo yomtyali-mali malunga nokuba nokwenzeka kokudodobala koqoqosho kwixesha elizayo e-US naseCanada.FUNDA OKUNGAKUMBI: Ngamazinga amiselweyo angaphantsi kweereyithi eziguquguqukayo, imarike yemali-mboleko iphezu komzekelo. , inqanaba eliphantsi leminyaka emihlanu elimiselweyo elikhoyo kwilizwe lonke kwi-mortgage yesiqhelo okwangoku i-2,79%, ngokutsho kukaRobert McLister, umsunguli wesayithi lokuthelekisa amazinga e-RateSpy.com. Owona mlinganiselo usezantsi wokuguquguquka kwesithuba seminyaka emihlanu yi-2,89%, nto leyo ethetha ukuba abo banezinga eliguquguqukayo elinexesha leminyaka emihlanu banokufumana iqondo elisezantsi leminyaka emihlanu elimiselweyo kunolo lwangoku. Kwaye yintoni engcono kunokufumana ireyithi engcono kunye noxolo lwengqondo lwentlawulo ye-mortgage esisigxina? Ibali liyaqhubeka ngezantsi kwentengiso
