Intlawulo ye-mortgage - deutsch
I-mortgage isoloko iyimfuneko ekuthengeni ikhaya, kodwa kunokuba nzima ukuqonda ukuba uhlawula ntoni kwaye yintoni onokukwazi ukuyihlawula. Ikhatyhuleyitha yokubambisa inokunceda ababoleki baqikelele iintlawulo zabo zenyanga ngokubhekiselele kwixabiso lokuthenga, intlawulo ephantsi, izinga lenzala, kunye nezinye iindleko zenyanga zomninimzi.
1. Faka ixabiso lendlu kunye nesixa sentlawulo yokuqala. Qala ngokongeza ixabiso elipheleleyo lokuthenga ikhaya ofuna ukulithenga kwicala lasekhohlo lesikrini. Ukuba awunayo indlu ethile engqondweni, unokuzama ngalo mzobo ukuze ubone ukuba yeyiphi na indlu onokufikelela kuyo. Ngokufanayo, ukuba ucinga ngokwenza umnikelo kwindlu, le calculator inokukunceda ukuba ubone ukuba unganikezela kangakanani. Okulandelayo, yongeza intlawulo ephantsi olindele ukuyenza, mhlawumbi njengepesenti yexabiso lokuthenga okanye njengexabiso elithile.
2. Faka inzala. Ukuba sele ukhangele imali-mboleko kwaye unikwe uluhlu lwenzala, faka enye yaloo maxabiso kwibhokisi yenzala esekhohlo. Ukuba awukayifumani inzala okwangoku, ungafaka umndilili wangoku wenzala yemali-mboleko njengesiqalo.
Indlela yokubala inzala yemali-mboleko
Omnye wemiqobo emikhulu kwabo banokuba ngabanini-zindlu kukufumana imali-mboleko efanelekileyo. Kwaye enye yezinto ezinokuthi zenze okanye ziphule i-mortgage yizinga lenzala. Inzala yemali-mboleko ye-mortgage inokuchaphazela kakhulu iindleko zexesha elide, yiyo loo nto abathengi abaninzi bejonge awona maxabiso aphantsi. Kodwa asingabo bonke ababolekisi okanye ababoleka imali abafanayo.
Kuya kuba luncedo kakhulu ukuba uzibuze umbuzo othi "Isebenza njani inzala ye-mortgage?" phambi kokwamkela nayiphi na inkxaso-mali. Nantsi into ekufuneka uyazi ukuze ufumane olona hlobo lwemali-mboleko kwaye ukhethe uhlobo lwemali-mboleko ehambelana neemfuno zakho.
Xa ucela imali-mboleko yokuthenga indlu, kufuneka ubuyele kwiziko elikuboleke ezo mali. Kodwa kufuneka uhlawule ngaphezulu kwexabiso lokuqala obulibolekile, oko kukuthi, inqununu. Umbolekisi wakho naye uya kukuhlawulisa inzala kwimali-mboleko. Ngokwesiseko ikhomishini yokuhlawula iindleko zemboleko kwindawo yokuqala.
Umbolekisi ubala inzala yemali-mboleko njengepesenti yemali-mboleko. Ikwenza oku ngokusekelwe kwizinto ezininzi, ezifana namanqaku akho okuthenga ngetyala kunye nemali ephantsi yokuhlawula, ezinokuchaphazela kakhulu inqanaba lenzala.
Intsingiselo yemali mboleko
U-Elizabeth Weintraub yingcaphephe eyaziwayo kuzwelonke kwi-real estate, isihloko, kunye ne-escrow. Ungumthengisi wezindlu kunye nomthengisi ongaphezulu kweminyaka engama-40 yesihloko kunye namava e-escrow. Amava akhe abonakaliswe kwiNew York Times, Washington Post, CBS Evening News, kunye neHGTV's House Hunters.
UDoretha Clemons, Ph.D., MBA, PMP, ube ngumphathi we-IT kunye nomfundisi we-34 iminyaka. Ungunjingalwazi oncedisayo kwiiKholeji ze-Connecticut State kunye neeYunivesithi, iYunivesithi yaseMaryville, kunye neYunivesithi yase-Indiana Wesleyan. Ungumtyali wezindlu kunye nomlawuli weBruised Reed Housing Real Estate Trust, kunye nomnini welayisensi yokuphucula ikhaya evela kwiState of Connecticut.
Isixa senzala ehlawulwe kwangaphambili siya kugqiba xa ufuna intlawulo yokuqala yesiqhelo iqale. Ababoleki abaninzi bakhetha ukwenza intlawulo yemali mboleko ngomhla wokuqala wenyanga nganye. Abanye bakhetha i-15. Ababolekisi ngamanye amaxesha bakukhethela loo mhla wentlawulo, ngoko ke ukuba unokhetho, lucele.
EUnited States, inzala ihlawulwa emva kwexesha. Inqununu yakho kunye nentlawulo yenzala iya kuhlawula inzala kwiintsuku ezingama-30 ngokukhawuleza ezandulela umhla omiselweyo wentlawulo yakho. Ukuba uthengisa ikhaya lakho, umzekelo, i-arhente yakho yokuvala iya ku-odola ibango kumxhamli, naye oya kuqokelela nayiphi na inzala engekahlawulwa. Masiyibone ngokweenkcukacha ngakumbi.
ifomula yokubala calculator
I-mortgage yimali-mboleko yexesha elide eyenzelwe ukukunceda uthenge ikhaya. Ukongeza ekubuyiseleni inkunzi, kufuneka 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 kuba 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 ukuba iintlawulo eziphantsi kakhulu, kodwa ukuba ungayifumana loo 20%, kufuneka.
