Umyinge womyinge wenzala yemali-mboleko uk iminyaka engama-35
Ngokophando lwamva nje lweZillow, abathengi bahlawula malunga ne-3.700 yeedola kwiindleko zokuvala kwilizwe lonke. Kodwa kwakhona, "i-avareji" xa kuziwa kwiindleko ze-mortgage ayithethi kakhulu. Iindleko zakho ziya kwahluka kakhulu.
Uya kufuna ukuqiniseka ukuba uthelekisa olu qikelelo kwii-apile, oko kukuthi, qiniseka ukuba banolwazi olufanayo malunga nendlu yakho, uze uthelekise umgca weendleko ngomgca ukuze ubone ukuba yeyiphi ephantsi.
Yiyo loo nto "i-avareji" yentlawulo ye-mortgage ayithethi kakhulu. Kuya kufuneka uthathele ingqalelo ixabiso lendlu, intlawulo ephantsi, i-inshurensi yokubambisa kunye nezinga lenzala ukuze wazi ukuba yimalini yemali mboleko yakho.
Umndilili wemali yokuboleka imali
Omnye weyona miba iphambili yokumisela ixabiso lemali mboleko yakho yinzala. Nangona izinga lenzala kwimali mboleko yezindlu liphantsi ngoku, imali-mboleko yendlu inokugqibela ikubiza imali eninzi kwimirhumo kwiminyaka engama-25 okanye engama-30.
Iindleko zizonke ezibalwe ngasentla zisekelwe ekucingeni ukuba amazinga enzala ahlala engatshintshi. Ngamaxabiso aphantsi ngoku, kusengqiqweni ukucinga ukuba inzala iyakunyuka kubomi bemali-mboleko, nto leyo ekhokelela kwixabiso lilonke eliphezulu. Njengomzekelo wendlela amazinga enzala aphantsi xa kuthelekiswa nenzala ephezulu, ngezantsi lixabiso lemali-mboleko yemali-mboleko kwiminyaka engama-25 ngenzala ye-7%.
I-mortgage yakho inokuba lelona tyala likhulu onokuthi ube nalo, ngaphandle kweenzuzo zerhafu. Kunengqiqo ukuzama ukuyihlawula ngokukhawuleza, kunye nokuqinisekisa ukuba ufumana ixabiso elifanelekileyo lemali.
Isibali seendleko zeMali-mboleko
Uninzi lwabantu ludinga imali-mboleko yokuthenga indlu. Sebenzisa isixhobo sethu sokubala sokubambisa ukuze uqikelele intlawulo yakho yenyanga yendlu, kuquka inqununu kunye nenzala, irhafu yepropathi kunye ne-inshurensi. Zama iinyani ezahlukeneyo malunga nexabiso lekhaya, intlawulo ephantsi, imigaqo yemali-mboleko, kunye nezinga lenzala ukuze ubone ukuba intlawulo yakho yenyanga ingatshintsha njani.
Ukuba i-condo, intsebenziswano, okanye ummelwane unombutho wabanini zindlu (HOA), unokufuna ukuhlawula imali ye-HOA. Nangona ezi ntlawulo aziqhelekanga ukuba yinxalenye yentlawulo yokubambisa, abanye abanikezeli benkonzo yokubambisa baya kuzifaka, ukuba ziceliwe, kwinxalenye ye-escrow yentlawulo.
Unokusebenzisa isixhobo sethu sokubala sokubala ukubala intlawulo yakho yenyanga (indlela elula), okanye ungayenza ngokwakho ukuba uthanda imathematika encinci. Le yifomyula esemgangathweni yokubala intlawulo ye-mortgage yenyanga ngesandla. Ukubala isavenge senyanga semali-mboleko yakho (“M”), faka inkunzi (“P”), umlinganiselo wenzala wenyanga (“i”) kunye nenani leenyanga (“n”) zemboleko yakho uze usombulule:
\umgqomo{ulungelelaniswe} &M = \frac{ P \ekhohlo [ (1 + i) ^ n \ ekunene ] { \ekhohlo [ (1 + i) ^ n – 1 \ekunene ] } \\textbf{where:} \ umbhalo &P = \umbhalo {isixa-mali osibolekayo (imali oyibolekileyo)} \umbhalo &i = \umbhalo {izinga lenzala yenyanga} \\ &n = \umbhalo{inani leenyanga ezifunekayo ukubuyisela imali-mboleko} \\ ukuphela{ span}
Ugqiba ukuhlawula malini kwindlu emva kwenzala?
Sifumana imbuyekezo kwamanye amahlakani aneentengiso zivela kweli phepha. Asikhange sihlolisise zonke iimveliso ezikhoyo okanye unikezelo. Imbuyekezo inokuphembelela indlela unikezelo oluvela ngayo kwiphepha, kodwa izimvo zethu zomhleli kunye neereyithingi azichatshazelwa yimbuyekezo.
Uninzi okanye zonke iimveliso eziboniswe apha zivela kumaqabane ethu asihlawulela ikhomishini. Le yindlela esenza ngayo imali. Kodwa isidima sethu somhleli siqinisekisa ukuba izimvo zeengcali zethu aziphenjelelwa yimbuyekezo. Imigaqo inokusebenza kunikezelo oluvela kweli phepha.
Ukuthenga ikhaya ngumsebenzi omkhulu. Kubalulekile ukuthenga ikhaya olithandayo kunye nosapho lwakho, kwaye kukwabalulekile ukuba uqinisekise ukuba unako ukuhlawula imali mboleko. Ukuba uza kuchitha malini kwikhaya lakho kuya kuxhomekeka kwisixa semali mboleko yakho kunye nexabiso lendlu oye wayimisa, kunye nezinye iindleko zendlu ezifana nerhafu yepropathi, i-inshurensi, kunye neefizi zombutho wabaninimzi ngamanye amaxesha kunye ne-inshurensi yokubambisa yabucala. Apha siya kukunceda wenze isigqibo esifanelekileyo sezemali kunye nendlela yokuphendula umbuzo othi, "Ingakanani indlu endinokuyifumana?"
