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Ngesiseko sokulungisa amaxabiso ezindlu, ukuqinisa imigangatho yetyala kunye nokwehla kwentsalela yamakhaya angathengiswanga, umyinge wenzala kwi-30-year fixed-rertgages sele ikufutshane nerekhodi esezantsi ukusukela ngo-2013 ukuya ku-2021, kodwa sele iqalile ukunyuka ngo-2022, nangona kunjalo. isekumanqanaba aphantsi ngokwembali.
Ukunyuka kwamazinga enzala ye-mortgage akuyona into eyoyikwa kwaye ulwazi lwesifundo luya kunciphisa ukuxhalaba kwabathathi-nxaxheba kwimarike yezindlu. Kubalulekile ukuba abathathi-nxaxheba kwimarike yezindlu baqonde ukunyuka kwamaxabiso emali-mboleko njengoko echaphazela phantse yonke into yokuthengwa kwezindlu.
Ukusuka kumbono womthengi wezindlu, xa amaxabiso emali mboleko enyuka, ukufikeleleka kuyehla. Kulo mzekelo ungasentla, uJohnny, umthengi wendlu, ufuna ukufumana i-400.000 ye-mortgage kwi-4% yenzala, kodwa kwi-5% yenzala, ababolekisi banokumnika kuphela i-355.000 yemali mboleko esekelwe kwimfundo yakhe. Ukunyuka kwe-1% kwinzala ye-mortgage kunciphisa amandla okuthenga kaJuanito nge-45.000 yeedola.
Kodwa ukwenza sweet isivumelwano, umbolekisi we-subprime ebeya kunika uJuanito inzala ehlengahlengiswayo ye-2% kwiminyaka emihlanu yokuqala. Nangona kunjalo, emva kweminyaka emihlanu, uJuanito uya kufuneka ahlawule ubuncinane inzala ye-7%, kwaye mhlawumbi ngaphezulu ukuba izinga lenzala liyenyuka.
Ngaba intlawulo yam yemali-mboleko iya kunyuka?
I-mortgage yimali-mboleko yexesha elide eyenzelwe ukukunceda uthenge ikhaya. Ukongeza ekubuyiseleni inqununu, 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.
Isibali senzala yemali yokubolekwa kwezindlu
Uhlaziyo: IBhanki yaseCanada (i-BoC) isanda kunyusa izinga lenzala yayo okwesibini kulo nyaka, ukuya kwi-1% ukusuka kwi-0,75%. Eli nyathelo lilandela ukunyuka okufanayo kweyeKhala, xa iBhanki inyuse irhafu ukusuka kwi-0,5% ukuya kwi-0,75%.
I-Global News ibambisene ne-site yokuthelekisa i-RateHub ukunika i-calculator eya kukubonisa indlela iintlawulo zakho zenyanga zindlu eziya kutshintsha ngayo njengoko amazinga enzala enyuka. Jonga izikhokelo zomsebenzisi ngezantsi. (Ukufumana izixhobo zokuboleka ezongezelelweyo, ungandwendwela i-RateHub.ca's Isibali seNtlawulo yokubolekwa kwezindlu okanye isibali sokufikeleleka kwe-Mortgage Affordability Calculator): Yintoni omawuyazi malunga nokubambisa ukuba amaxabiso enzala ayenyuka
Indlela esebenza ngayo Imiyalelo eqhelekileyo: Ukusebenzisa esi sikhalityhuleyitha kufuneka wazi izinga lakho lenzala langoku, ixesha le-amortation, isixa semali mboleko kunye nezihlandlo zentlawulo yentlawulo. EKhanada, uninzi lwemali mboleko lune-amortization yeminyaka engama-25. Oku kwahlukile kwixesha lemali-mboleko, ubude bexesha ozibophelela kwizinga elithile lenzala, umbolekisi, kunye nemigaqo yemboleko. Ixesha eliqhelekileyo le-mortgage eCanada yiminyaka emi-5. Ukuphindaphinda kwentlawulo: Uninzi lwabantu luhlawula imali mboleko yabo kanye ngenyanga. “Ngesiqingatha sonyaka” kuthetha ukuba ihlawulwa kabini ngenyanga, kwiintlawulo zonyaka ezingama-24 zizonke. "Biweekly" kuthetha ukuba ihlawulwa rhoqo emva kweeveki ezimbini, nto leyo yintlawulo eyi-26 iyonke ngonyaka. “Ukukhawulezisa kabini ngeveki” kuthetha ukuba uhlawula imali efanayo ngokhetho lwesiqingatha senyanga, kodwa wenze iintlawulo ezingama-26 ngonyaka endaweni yama-24, okukuvumela ukuba uhlawule imali-mboleko yakho ngokukhawuleza kwaye wonge inzala.
Yandisa isibali sokubambisa
*Iminxeba isenokurekhodwa ngeenjongo zolawulo noqeqesho. Iireyithi zokufowunela kwiinombolo ze-03 ziyafana nezo zofowunela kwiinombolo zefowuni zasekhaya eziqhelekileyo zase-UK eziqala ngo-01 okanye ku-02 kwaye zikwabandakanywa kumzuzu kunye neepakethe zokufowuna ezingenamkhawulo.
Nceda uqaphele ukuba eli khonkco liya kukuthatha kwiwebhusayithi eqhutywa ngomnye umbutho. Asinalo ulawulo kumxholo wewebhusayithi zangaphandle kwaye asikwazi ukwamkela naluphi na uxanduva lwezinto eziphathekayo kwiiwebhusayithi ezinjalo. Yamkela kwaye uqhubeke
