Yintoni intlawulo ye-mortgage ye-130.000 yeedola
Ukuqonda ixabiso lokwenyani lemali mboleko yendlu kubaluleke kakhulu kuba uninzi lwabantu baseMelika abanalo ugcino lwaneleyo lomhlalaphantsi. Ngoko ke, ukuhlawula i-mortgage - isiganeko esibalulekileyo - kubalulekile ekufuneni impilo-ntle yezemali kubo bonke ubomi.
Nceda uqaphele ukuba iziphumo zakho zokubala ze-mortgage aziyi kubandakanya i-inshurensi okanye i-escrow yerhafu. Ke qiniseka ukuba unawo loo manani esandleni ukuze wongeze kwintlawulo yakho yokubambisa kunye nokukunceda ubone ukuba ungakhawulezisa iintlawulo.
Isiphumo siya kukunika iindleko zakho ezitsha zenyanga zizonke, ezibandakanya intlawulo ecwangcisiweyo kunye nentlawulo yenqununu eyongezelelweyo, kunye nemali oyiyongileyo iyonke, okanye isixa obuya kusigcina kwinzala ukuba utshintshela kwiintlawulo ezikhawulezayo.
Kusenokufuneka uhlawule isohlwayo sentlawulo-mali yangaphambili ukuba uhlawula imali-mboleko yakho kwiminyaka embalwa yokuqala yobomi bemboleko. Eso sixa-mali sinokubaluleka - kaninzi siye kutsho kwi-2% yemali ebolekwayo - kwaye sinokuchaphazela izibalo zakho zentlawulo yangaphambili.
Ukuba ufumana i-windfall kwaye ulingeka ukuba uhlawule imali-mboleko yakho, unokuba ngcono xa utyala imali kwaye unamathele kwishedyuli yakho yokubuyisela rhoqo. Nangona kunjalo, ukuba ukhetha uxolo lwengqondo lokuphelisa ityala, le nkululeko inokodlula imbuyekezo yotyalo-mali olunokubakho.
Comprehensive mortgage calculator
Intlawulo yakho yokubambisa nge-391.000 yekhaya iya kuba yi-2.597 yeedola. Oku kusekelwe kwi-5% yezinga lenzala kunye ne-10% yentlawulo ephantsi (i-$ 39.100). Oku kuquka iirhafu zepropathi, i-inshurensi yengozi, kunye nezavenge ze-inshurensi yokubambisa.
Iibhanki kunye neearhente zezindlu zenza imali eninzi xa uthenga indlu ebiza kakhulu. Kwiimeko ezininzi, iibhanki zivuma kwangaphambili eyona nto unokuhlawula ngayo. Ukuqala, ngaphambi kokuba uqale ukutyelela izindlu, ibhajethi yakho iya kwandiswa.
Qiniseka ukuba uyathelekisa inzala yemali mboleko phambi kokuba wenze isicelo semali mboleko yendlu. Ukuthelekisa ababolekisi aba-3 kunokongela amawaka eedola kwiminyaka embalwa yokuqala yemali-mboleko yakho. Ungaqinisekanga ngokuthelekisa amaxabiso emali-mboleko kwi-Bundle
Ungajonga amaxabiso enzala ekhoyo ngoku okanye ubone indlela inzala yemali-mboleko etshintshe ngayo kwiminyaka yakutshanje kwi-Bundle. Sibeka iliso kumaxabiso emali-mboleko, iindlela, kunye namanqaku esaphulelo seminyaka eyi-15 kunye ne-30 yeminyaka yeemveliso ze-mortgage yonke imihla.
I-Bundle izimisele ukugcina ubumfihlo bakho. Asinakwabelana ngolwazi lwakho neebhanki. I-Bundle Marketplace Inc. yi-mortgage broker enelayisensi (NMLS# 1927373) kwaye ixhasa amathuba alinganayo ezindlu.
Ngaba ndingakwazi ukuthenga indlu ye-euro eyi-130.000?
Ngokungenisa le fomu, ndivumela i-American Financing ukuba iqhagamshelane nam, kubandakanywa nokusebenzisa i-autodialer, ilizwi, okanye umbhalo, kwinombolo edweliswe ngasentla, nokuba inombolo yam yefowuni ivela kulo naluphi na uluhlu "Sukufowuna". Ndingakwazi kananjalo ukukhetha usuku kunye nexesha elindifanele kakhulu. Ndiyaqonda ukuba akunyanzelekanga ukuba ndivume ukufumana iminxeba enjalo okanye imiyalezo ebhaliweyo ukuze kuthengwe iimpahla okanye iinkonzo kwi-American Financing. Ndikwayaqonda ukuba i-American Financing alwabelani ngolwazi lwam loqhagamshelwano kunye namalungu okanye amaqela esithathu.
Ngaba uziqwalasele iingenelo zokuhlawula imali-mboleko yakho ngokukhawuleza? Esinye sezizathu ezidumileyo zokuba abantu bagqibe ukwenza oku kukugcina amawaka eedola kwinzala kubomi bemali mboleko. Nangona kunjalo, ukuhlawula imali-mboleko kwangethuba akusoloko kuyeyona ndlela ilungileyo kuye wonke umntu.
Iinkqubo ezixhaphakileyo ezinje nge-FIRE Movement zikhuthaza abancinci kunye nabadala ukuba bahlawule amatyala, bafune ukuzimela ngokwezimali kwaye barhoxe kwangoko. Kodwa nokuba yintoni na inkuthazo yakho, kukho iinkcukacha ezibalulekileyo ekufuneka uziqwalasele ngaphambi kokuba wenze isigqibo sokuhlawula imali mboleko yakho yeenyanga okanye iminyaka kwangoko.
$470 intlawulo mortgage
Oku kubala intlawulo yenyanga kwi-130.000 ye-mortgage ngokusekelwe kwisixa semali-mboleko, umlinganiselo wenzala kunye nobude bemali-mboleko. Ithatha imali-mboleko yemali emiselweyo, endaweni yokutshintsha, ibhaluni, okanye i-ARM. Thabatha intlawulo ephantsi ukuze ufumane imali-mboleko.
Ithini intlawulo yenyanga kwimali-mboleko ye-130.000 yeedola? Kagakanani? Yintoni inzala? Ikhaltyhuleyitha ingasetyenziselwa ukubala intlawulo yalo naluphi na uhlobo lwemboleko, njenge-real estate, i-auto kunye nemoto, isithuthuthu, indlu, ukudibanisa amatyala, ukudibanisa amatyala ekhadi letyala, imali-mboleko yomfundi okanye imali mboleko yeshishini. Kwakhona khumbula ukwenza ezinye iindleko zekhaya ezifana ne-inshurensi, iirhafu, i-PMI kunye neendleko zokulondolozwa ngokubanzi.
