Ngaba yimali-mboleko yomfundi eguquguqukayo okanye emiselweyo?
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 yintoni ekulungeleyo.
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.
Imizekelo yeereyithi eziguquguqukayo nezisisigxina
Ekubeni inzala iyafana, uya kuhlala uyazi xa uya kuhlawula imali yakho yokubolekwa kwezindlu Kulula ukuyiqonda ngaphezu kwe-mortgage yezinga eliguquguqukayo Uya kuqiniseka ukuba uyazi ukuba uhlahlo lwabiwo-mali lwentlawulo yakho ye-mortgage Ireyithi yenzala yokuqala idla ngokuba ngaphantsi kwe-A. Intlawulo esezantsi esezantsi inokukunceda ukuba ufumane imali mboleko enkulu Ukuba inqanaba lenqununu liyehla kwaye nenzala yakho iyehla, iintlawulo zakho ezininzi ziya kwinqununu.
Izinga lenzala lokuqala lidla ngokuba phezulu kunelo lentlawulo yemali-mboleko eguquguqukayo. Izinga lenzala lihlala lizinzileyo kulo lonke ixesha lokubambisa. Ukuba uyasaphula imali yokubambisa ngaso nasiphi na isizathu, izohlwayo ziya kuba phezulu kunentlawulo yemali-mboleko eguquguqukayo.
Ngaba amatyala okubambisa akhuselekile okanye awakhuselekanga?
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.
Umyinge wemali mboleko eguqukayo
U-Kevin Davis akasebenzi, acebise, abe nezabelo, okanye afumane inkxaso-mali kuyo nayiphi na inkampani okanye umbutho onokuzuza kweli nqaku, kwaye akazange achaze naluphi na ukudibanisa okufanelekileyo ngaphaya kokuqeshwa kwakhe kwezemfundo.
Kumaxesha afana nala ngoku, xa kukho ukungaqiniseki okukhulu malunga nokuba kuya kwenzeka ntoni na kwinzala, ababoleki bafumana iingcebiso ezininzi malunga nokuba bakhethe ukulinganisa inzala emiselweyo okanye eguquguqukayo. Ngelishwa, uninzi lwazo alusekelwanga kakuhle.
Ngaphandle kwezinto ezimbalwa, iibhanki zibeka imilinganiselo yazo emiselweyo ngokusekelwe kwizinto ezilindelekileyo malunga nokuguquguquka kwexesha elizayo lenzala. Banemikhosi yezoqoqosho kunye nabahlalutyi abathathela ingqalelo yonke ingcaciso ekhoyo ukwenza izibalo.
Oku kuthetha ukuba ulindelo lwebhanki kwinto eya kuyifumana kumthengi kubomi bemali mboleko esisigxina iphelela ekubeni ifane nokulindela kwayo into eya kuyifumana kumthengi kubomi bemali mboleko eguquguqukayo. Ufumana uhlobo olufanayo lwenzuzo kuzo zombini iimeko.
Ababoleki abaqwalasela ukuba bakhethe ukubolekwa imali esisigxina okanye eguquguqukayo kufuneka bathathele ingqalelo eminye imiba. Kwimeko yeemali-mboleko ezisisigxina, izavenge zenyanga zimiselwe inani elithile leminyaka. Kwabaninzi yinto entle leyo. Bayazi ngokuqinisekileyo ukuba (ngexesha lemali-mboleko imisiwe) iintlawulo zabo aziyi kunyuka ngaphezu koko balindele ukuhlawula.
