impendulo
Kubantu abaninzi, ukuthenga ikhaya lolona tyalo-mali lukhulu abanokuthi balwenze. Ngenxa yexabiso layo eliphezulu, abantu abaninzi badla ngokufuna imali yokubambisa. I-mortgage luhlobo lwemali-mboleko ehlawulelwayo apho ityala lihlawulwa ngezavenge zamaxesha athile kwithuba elithile lexesha. Ixesha le-amortization libhekisela kwixesha, kwiminyaka, apho umboleki ethatha isigqibo sokuzinikezela ekuhlawuleni imali-mboleko.
Nangona olona hlobo luthandwayo luyi-30 yeminyaka emiselweyo yemali-mboleko, abathengi banezinye iindlela, kuquka i-15 yeminyaka yokubambisa. Ixesha le-amortization alichaphazeli kuphela ixesha eliya kuthatha ukubuyisela imali-mboleko, kodwa kunye nemali yenzala eya kuhlawulwa kubo bonke ubomi be-mortgage. Amaxesha amade okuhlawula athetha iintlawulo ezincinci zenyanga kunye neendleko eziphezulu zenzala kubomi bemali-mboleko.
Ngokuchaseneyo, amaxesha amafutshane okuhlawula akholisa ukuthetha iintlawulo eziphezulu zenyanga kunye nexabiso eliphantsi lilonke lenzala. Luluvo olulungileyo kuye nabani na okhangela imali yokubambisa ukuba aqwalasele iindlela ezahlukeneyo zokuhlawula imbuyekezo ukuze afumane eyona ilufaneleyo ulawulo kunye nokonga okunokubakho. Ngezantsi, sijonga iindlela ezahlukeneyo zokubolekwa kwezindlu kubathengi banamhlanje.
Itafile yeSpitzer
Kubantu abaninzi, ukuthenga ikhaya lolona tyalo-mali lukhulu abanokuthi balwenze. Ngenxa yexabiso layo eliphezulu, abantu abaninzi badla ngokufuna imali yokubambisa. I-mortgage luhlobo lwemali-mboleko ehlawulelwayo ekuthi ngalo ityala lihlawulwe ngezavenge ngamaxesha athile kwixesha elithile. Ixesha le-amortization libhekisela kwixesha, kwiminyaka, apho umboleki ethatha isigqibo sokuzinikezela ekuhlawuleni imali-mboleko.
Nangona olona hlobo luthandwayo luyi-30 yeminyaka emiselweyo yemali-mboleko, abathengi banezinye iindlela, kuquka i-15 yeminyaka yokubambisa. Ixesha le-amortization alichaphazeli kuphela ixesha eliya kuthatha ukubuyisela imali-mboleko, kodwa kunye nemali yenzala eya kuhlawulwa kubo bonke ubomi be-mortgage. Amaxesha amade okuhlawula athetha iintlawulo ezincinci zenyanga kunye neendleko eziphezulu zenzala kubomi bemali-mboleko.
Ngokuchaseneyo, amaxesha amafutshane okuhlawula akholisa ukuthetha iintlawulo eziphezulu zenyanga kunye nexabiso eliphantsi lilonke lenzala. Luluvo olulungileyo kuye nabani na okhangela imali yokubambisa ukuba aqwalasele iindlela ezahlukeneyo zokuhlawula imbuyekezo ukuze afumane eyona ilufaneleyo ulawulo kunye nokonga okunokubakho. Ngezantsi, sijonga iindlela ezahlukeneyo zokubolekwa kwezindlu kubathengi banamhlanje.
Zeziphi ezinye iindlela zokunciphisa inzala yexesha elide kubomi bemali-mboleko?
Imali-mboleko yeminyaka engama-30 yemali-mboleko emiselweyo inika ababoleki inzuzo enexabiso: ukuqinisekiswa kokuhamba kwemali. Kodwa le ngqiniseko iza ngexabiso eliphezulu kakhulu. Ndicebisa imveliso ye-amortization ye-mortgage ethembisa iintlawulo ezizinzileyo kubaboleki, ngelixa ndikhulula ababolekisi kunye nabatyali-mali kwiindleko eziphazamisayo ze-mortgage yezinga elimiselweyo. Le mveliso yemali-mboleko iya kuba nexabiso lenzala eguquguqukayo okanye yexesha elifutshane, kodwa inxalenye yentlawulo iya kwenziwa (okanye isaphulelo) ngohlobo (ngamanye amazwi, ngokulungelelanisa inqununu yemboleko). Kulo mfutshane lomgaqo-nkqubo, ndibhekisela kule mveliso njenge-Amortization eZinzileyo kunye neNqununu eLungiselelayo (FA / AP) yokuboleka imali.
Ingxaki enkulu kwimali mboleko yezindlu kumngcipheko wenzala. Ngokwembali, amazinga asuka ngaphantsi kwe-3% ukuya ngaphezulu kwe-15%. Uninzi lomngcipheko wenzala luvela kwixabiso lentengo, eliguquguqukayo. Amazinga emali-mboleko, intsalela yeprimiyamu elindelekileyo yokunyuka kwamaxabiso, ithande ukusukela malunga ne-1% ukuya kwi-5%.
Ababolekisi banokuwunqanda umngcipheko wezinga lenzala ngokukhupha iimali mboleko ezihlengahlengiswayo (ii-ARM), kodwa ii-ARM zibhentsisa ababoleki kumngcipheko wokuqukuqela kwemali. Ukuba umboleki uthatha i-4% ye-mortgage kunye nokuguqulwa komgaqo-nkqubo we-Federal Reserve okanye ukubuyiswa kwezoqoqosho okunamandla kutyhala amazinga ukuya kwi-5% okanye ngaphezulu, umboleki ujongene nokunyuka kweepesenti ezimbini kwiindleko zokuboleka imali. Olu lwando alulawuleki kwindleko eqhele ukuba yikota yenkcitho yekhaya, kwaye ngokufuthi isabelo esikhulu kakhulu senkcitho yekhaya kwiimarike zezindlu nezindlu ezibizayo. Ke ngoko, ukuxhasa ngemali ukuthengwa kwendlu ngemali mboleko yemali-mboleko kunokuphelisa uzinzo.
Imiselwa njani intlawulo yokubambisa?
Kwicandelo elithi "Down Payment", bhala isixa-mali sentlawulo yakho ephantsi (ukuba uyathenga) okanye isixa-mali se-equity onayo (ukuba uhlaziya kwakhona). Intlawulo ephantsi yimali oyihlawula ngaphambili kwikhaya, kwaye i-equity yekhaya lixabiso lekhaya, kuthatyathwe into oyityalayo. Ungangenisa isixa sedola okanye ipesenti yexabiso lokuthenga oza kuliyeka.
Inzala yakho yenyanga Ababolekisi bakunika ireyithi yonyaka, ngoko ke kuya kufuneka ulahlule elo nani nge-12 (inani leenyanga ngonyaka) ukuze ufumane ireyithi yenyanga. Ukuba inzala yi-5%, intlawulo yenyanga iya kuba yi-0,004167 (0,05/12 = 0,004167).
Inani leentlawulo kubomi bemali-mboleko Phinda-phinda inani leminyaka kwixesha lakho lemali-mboleko nge-12 (inani leenyanga ngonyaka) ukuze ufumane inani leentlawulo kwimali-mboleko yakho. Umzekelo, imali-mboleko emiselweyo yeminyaka engama-30 iya kuba neentlawulo ezingama-360 (30×12=360).
Le fomyula inokukunceda ukuba ubambe amanani ukuze ubone ukuba yimalini na onokuyenza ukuze uhlawulele ikhaya lakho. Ukusebenzisa isibali sokubambisa kunokwenza umsebenzi wakho ube lula kwaye kukuncede wenze isigqibo sokuba ubeka imali eyaneleyo na okanye unako okanye kufuneka uhlengahlengise ixesha lemali mboleko yakho. Kuhlala kululuvo olulungileyo ukuthelekisa amazinga enzala kunye nababolekisi abaninzi ukuqinisekisa ukuba ufumana esona sivumelwano sikhoyo.
