Indlela yokubala inzala
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
umlinganiselo wenzala wokubala
I-mortgage yimali-mboleko yexesha elide eyenzelwe ukukunceda uthenge ikhaya. Ukongeza ekubuyiseleni imali eyinkunzi, kufuneka kwakhona uhlawule inzala kumbolekisi. Indlu nomhlaba oyijikelezileyo yenzelwa isibambiso. Kodwa ukuba ufuna ukuba nekhaya, kufuneka wazi ngaphezu kwezi zinto ziqhelekileyo. Le ngcamango iyasebenza nakwishishini, ngakumbi xa kuziwa kwiindleko ezizinzileyo kunye namanqaku okuvala.
Phantse wonke umntu othenga indlu unemali-mboleko. Amaxabiso ezindlu zokubolekwa kwezindlu ahlala ekhankanywa kwiindaba zangokuhlwa, kwaye intelekelelo malunga nemilinganiselo yesikhokelo iya kuhamba ibe yinxalenye yenkcubeko yezemali.
Imali yokubambisa yale mihla yavela ngo-1934, xa urhulumente-ukunceda ilizwe kwi-Great Depression - wadala inkqubo ye-mortgage eyanciphisa intlawulo efunekayo kwikhaya ngokwandisa imali abanokuba ngabanini-zindlu abanokuboleka. Ngaphambi koko, i-50% yentlawulo ephantsi yayifuneka.
Ngo-2022, i-20% yentlawulo ephantsi iyanqweneleka, ngakumbi ekubeni ukuba intlawulo ephantsi ingaphantsi kwe-20%, kufuneka uthathe i-inshurensi ye-mortgage yangasese (PMI), eyenza ukuba iintlawulo zakho zenyanga zibe phezulu. Noko ke, oko kunqwenelekayo akufuneki kufikeleleke. Kukho iinkqubo zokubambisa ezivumela iintlawulo eziphantsi kakhulu, kodwa ukuba ungayifumana loo 20%, kufuneka.
IKhatyhuleyitha yeNzala yoNyaka
UJustin Pritchard, uCFP, ungumcebisi wentlawulo kunye neengcali ngezemali. Ibandakanya iibhanki, iimali-mboleko, utyalo-mali, imali yokubambisa kunye nokunye okuninzi kwiBalance. Une-MBA evela kwiYunivesithi yaseColorado kwaye usebenze kwiimanyano zamatyala kunye neefemu ezinkulu zemali, kunye nokubhala malunga nezezimali zomntu ngaphezu kweminyaka engamashumi amabini.
I-Khadija Khartit licebo, ingcaphephe yotyalo-mali kunye nenkxaso-mali, kunye ne-fintech kunye notitshala onobuchule bezemali kwiiyunivesithi eziphezulu. Ube ngumtyali-mali, usomashishini kunye nomcebisi iminyaka engaphezu kwama-25. Ungumnini weFINRA Series 7, 63 kunye ne 66 layisensi.
U-Katie Turner ngumhleli, umhloli weenyani, kunye nomfundi wokuvavanya. UKatie wafumana amava eMcKinsey eqinisekisa umxholo kwishishini, imali, kunye neendlela zoqoqosho. E-Dotdash, waqala njengomhloli weenyani kwi-Investopedia, ekugqibeleni wajoyina i-Investopedia kunye ne-Balance njengomhloli wenyaniso, eqinisekisa ukuchaneka kolwazi kwimixholo eyahlukeneyo yezemali.
Ukuqonda i-mortgage yakho kukunceda wenze izigqibo ezingcono zemali. Kunokuba wamkele izibonelelo ngokumfamekileyo, kububulumko ukuhlolisisa amanani asemva kwayo nayiphi na imali-mboleko, ngokukodwa imali-mboleko enkulu njengemali-mboleko yendlu.
umdla ophambili
Ukuthenga ikhaya nge-mortgage yeyona ntengiselwano inkulu yezemali uninzi lwethu oluyenzayo. Ngokuqhelekileyo, ibhanki okanye umbolekisi we-mortgage uxhasa i-80% yexabiso lekhaya, kwaye uyavuma ukuyihlawula kwakhona - kunye nenzala - kwixesha elimiselweyo. Xa uthelekisa ababolekisi, amaxabiso emali-mboleko, kunye nokhetho lwemali-mboleko, kuyanceda ukuqonda indlela i-mortgages esebenza ngayo kwaye loluphi uhlobo olunokuba lulungele wena.
Kwiimali-mboleko ezininzi, inxalenye yemali ebolekiweyo (inqununu) kunye nenzala ibuyiswa ngenyanga nganye. Umbolekisi uya kusebenzisa i-amortization formula ukwenza ishedyuli yentlawulo eyahlula intlawulo nganye ibe yinqununu kunye nenzala.
Ukuba wenza iintlawulo ngokwesicwangciso sokubuyisela imali mboleko, iya kuhlawulwa ngokupheleleyo ekupheleni kwexesha elimiselweyo, umzekelo iminyaka engama-30. Ukuba i-mortgage yizinga elimiselweyo, intlawulo nganye iya kuba yimali elinganayo yedola. Ukuba i-mortgage yireyithi eguquguqukayo, intlawulo iya kutshintsha ngamaxesha njengoko izinga lenzala kwimali-mboleko litshintsha.
Ixesha, okanye ubude, bemali-mboleko yakho bukwachaza ukuba uza kuyihlawula malini nyanga nganye. Okukhona ixesha lide, kokukhona zisezantsi iintlawulo zenyanga. Ukurhweba kukuba okukhona kuthatha ixesha ukuhlawula imali-mboleko, kokukhona liphezulu ixabiso lilonke lokuthenga ikhaya kuba inzala iya kuhlawulwa ixesha elide.
