I-Fixed vs Variable Rate Mortgage e-UK
Emva kokuba wenze isigqibo sokuba ufuna ukuthenga ikhaya, into yokuqala okufuneka uyenze kukubona indlela "yokuxhasa ngemali" ukuthenga. Oku kuthetha ukwenza isigqibo sokuba yimalini na imali oyongileyo oza kuyisebenzisa njengentlawulo ephantsi, yimalini na ofuna ukuyiboleka (i- mortgage), nokukhetha uhlobo olululo lwemali-mboleko. Nangona kukho iintlobo ezininzi zeemali-mboleko kwimarike, ezi ntlobo zimbini zeemali-mboleko ziziimali-mboleko ezisisigxina kunye nezinga eliguquguqukayo.
Into yokuqala ekufuneka uyenzile kukugqiba phakathi kwezi ntlobo zimbini ziphambili. Ngokuxhomekeke kwizinto ezimbalwa, enye yazo inokwenza ingqiqo kakhulu kuwe kunomnye. Intlawulo yakho yenyanga ayinakuze itshintshe ubomi bemali-mboleko kunye ne-mortgage enezinga elimiselweyo. Intlawulo kwi-mortgage yezinga eliguquguqukayo, emva kokulungiswa kwiminyaka embalwa yokuqala, inokutshintsha ngokusekelwe kwimida yaloo mveliso yemali-mboleko kunye nokuguquguquka kwinzala yemarike. Inye into enokwenza ukuba imali-mboleko enokuhlengahlengiswa ibe yinto enqwenelekayo yiminyaka embalwa yokuqala yemali-mboleko, xa inzala ihlala ilungisiwe, idla ngomlinganiselo ongaphantsi kakhulu kunowo ukhoyo ngexabiso lemali-mboleko emiselweyo.
Ixabiso eliguquguqukayo okanye elisisigxina
Ekubeni inzala iyafana, uya kuhlala uyazi xa uya kuhlawula imali yakho yokubolekwa kwezindlu Kulula ukuyiqonda ngaphezu kwe-mortgage yezinga eliguquguqukayo Uya kuqiniseka ukuba uyazi ukuba uhlahlo lwabiwo-mali lwentlawulo yakho ye-mortgage Ireyithi yenzala yokuqala idla ngokuba ngaphantsi kwe-A. Intlawulo esezantsi esezantsi inokukunceda ukuba ufumane imali mboleko enkulu Ukuba inqanaba lenqununu liyehla kwaye nenzala yakho iyehla, iintlawulo zakho ezininzi ziya kwinqununu.
Izinga lenzala lokuqala lidla ngokuba phezulu kunelo lentlawulo yemali-mboleko eguquguqukayo. Izinga lenzala lihlala lizinzileyo kulo lonke ixesha lokubambisa. Ukuba uyasaphula imali yokubambisa ngaso nasiphi na isizathu, izohlwayo ziya kuba phezulu kunentlawulo yemali-mboleko eguquguqukayo.
Irhasi kwiqondo elimiselweyo vs
FUNDA: Xa kufikwa kwinzala yemali-mboleko, iireyithi ezimiselweyo zithande ukubiza kakhulu kuneentlawulo eziguquguqukayo, kuba abantu abaninzi bazimisele ukuhlawula ngaphezulu ukuze bakhathazeke kancinci malunga nakuphi na ukuguquguquka kwemali. Nangona kunjalo, iinkxalabo malunga nokudodobala koqoqosho okunokwenzeka kutyhalele amaxabiso azinzileyo ukuba abe lolona khetho luphantsi. -Novemba 23, 2019
Ngokuqhelekileyo, ukutshintsha ukusuka kwinqanaba eliguquguqukayo ukuya kwinqanaba elimiselweyo ngaphambi kokuphela kwexesha lakho lokubambisa kuthetha ukusayina izinga eliphezulu. Amazinga okubolekwa kwezindlu asisigxina ahlala ephezulu kunamaxabiso aguquguqukayo kuba abantu bazimisele ukuhlawula ngaphezulu ukuze bathuthuzele ukwazi ukuba inzala yabo ayiyi kutshintsha.
Nangona kunjalo, amazinga e-mortgage azinzileyo awele ngaphantsi kweereyithi eziguquguqukayo kwiinyanga, isiganeko esinqabileyo esibonisa inkxalabo yomtyali-mali malunga nokuba nokwenzeka kokudodobala koqoqosho kwixesha elizayo e-US naseCanada.FUNDA OKUNGAKUMBI: Ngamazinga amiselweyo angaphantsi kweereyithi eziguquguqukayo, i-mortgage market iphezuluNgokomzekelo. , inqanaba eliphantsi leminyaka emihlanu elimiselweyo elikhoyo kwilizwe lonke kwi-mortgage yesiqhelo okwangoku i-2,79%, ngokutsho kukaRobert McLister, umsunguli wesayithi lokuthelekisa amazinga e-RateSpy.com. Owona mlinganiselo usezantsi wokuguquguquka kwesithuba seminyaka emihlanu yi-2,89%, nto leyo ethetha ukuba abo banezinga eliguquguqukayo elinexesha leminyaka emihlanu banokufumana iqondo elisezantsi leminyaka emihlanu elimiselweyo kunolo lwangoku. Kwaye yintoni engcono kunokufumana ireyithi engcono kunye noxolo lwengqondo lwentlawulo ye-mortgage esisigxina? Ibali liyaqhubeka ngezantsi kwentengiso
Izinga lenzala ezinzileyo
Ukongeza ekukhetheni kwiintlobo ezininzi zeemveliso zokubambisa, ezifana nesiqhelo okanye i-FHA, ukwanazo iinketho xa kuziwa ekuseteni izinga lenzala ukuxhasa ikhaya lakho. Xa sithetha ngokuphangaleleyo, zimbini iindidi zenzala enezinto ezininzi ezahlukeneyo kuzo zombini iireyithi ezimiselweyo nezilungelelanisiweyo.
Ukulungiswa kuthetha okufanayo kwaye kukhuselekile, ngelixa ukuguquguquka kuthetha utshintsho kunye nomngcipheko. Ukuba uceba ukuhlala kwikhaya lakho ixesha elide, awufane ucinge ngemali-mboleko ngaphandle kwe-mortgage yendlu emiselweyo. Ukuba unokuhamba kwisithuba seminyaka esixhenxe, imortgage ehlengahlengiswayo (ARM) iya kongela imali. Malunga ne-12% yazo zonke iimali-mboleko zezindlu zii-ARM, okanye iimali-mboleko ezilungelelanisiweyo.
Imali ebolekwayo enexabiso elimiselweyo iqhele ukuba yi-1,5 yepesenti ephezulu kuneemali-mboleko eziguquguqukayo okanye ezilungelelanisiweyo. (Amagama aguquguqukayo amaxabiso okuboleka imali kunye nexabiso eliguquguqukayo lokubolekwa kwezindlu lithetha into enye.) Nge-ARM, isantya sihlala simiselweyo iminyaka emithathu, emihlanu, okanye esixhenxe kwaye ke sinokuhlengahlengiswa ngonyaka ngamnye. Umzekelo, ukuba yimali-mboleko yeminyaka emihlanu eguquguqukayo, le mboleko ibizwa ngokuba yi-5/1ARM (iminyaka emihlanu emiselweyo, kwaye ihlengahlengiswa kwisikhumbuzo semali-mboleko).
