I-Remortgage yokukhulula inkunzi
Ngokubanzi, unokufaka isicelo semali mboleko yokuqala yokuthenga indlu okanye indawo yokuhlala, uhlaziye, wandise kwaye ulungise ikhaya lakho langoku. Uninzi lweebhanki lunomgaqo-nkqubo owahlukileyo kwabo baya kuthenga ikhaya lesibini. Khumbula ukubuza ibhanki yakho yorhwebo ngengcaciso ethile kule miba ingentla.
Ibhanki yakho iya kuvavanya amandla akho okubuyisela xa usenza isigqibo malunga nokufaneleka kwemali mboleko. Umthamo wentlawulo yentlawulo usekelwe kumvuzo wakho olahlayo/ongaphezulu kwenyanga, (osekelwe kwimiba enjengomvuzo wenyanga uwonke/ugqithiso lwenyanga kuthatyathwe iindleko zenyanga) kunye nezinye izinto ezifana nomvuzo weqabane, izinto zexabiso, amatyala, ukuzinza kwengeniso, njl. Eyona nto iphambili yebhanki kukuqinisekisa ukuba uyibuyisela kakuhle imali-mboleko kwangexesha nokuqinisekisa ukuba iyayisebenzisa okokugqibela. Okukhona uphezulu umvuzo wenyanga ofumanekayo, kokukhona uphezulu isixa apho imali-mboleko iya kufaneleka ngayo. Ngokuqhelekileyo, ibhanki ithatha malunga ne-55-60% yomvuzo wakho wenyanga olahlayo / i-surplus iyafumaneka ukuze uhlawule imali mboleko. Nangona kunjalo, ezinye iibhanki zibala ingeniso elahlayo yentlawulo ye-EMI ngokusekelwe kumvuzo opheleleyo womntu kungekhona umvuzo wabo.
Isibali Sexesha le-Mortgage
Ngexesha lokudodobala okukhulu koqoqosho, uqoqosho lwase-US lwabethwa kanobom ngenxa yokuvalwa. Ababoleki kwilizwe lonke batsala nzima ukuhlawula amatyala abo okubambisa. Ebudeni belo xesha, ababoleki-mali babezama ukuhlawula amatyala abo okubambisa, kwaye nabanini-zindlu abakumgangatho ophezulu babetsala nzima ngenxa yokuhluthwa. Ubunini bezindlu kuye kwaba yintlekele kubantu abaninzi baseMelika.
Ngoko kwakutheni ukuze abemi abaninzi kangaka babe neengxaki ngezindlu zabo zokuhlala? Kwakukho izizathu ezininzi, ezibandakanya "iimali mboleko zobuxoki" kunye nezindlu eziphantsi kwamanzi. Ezi ngxaki azikho kwixesha elidlulileyo, nazo. Nazi iimpazamo ezintandathu eziqhelekileyo zokubambisa ezinokuthi zenzeke kungekuphela nje ngexesha elinzima lemali, kodwa nangaliphi na ixesha.
Iimali zokubolekwa kwezindlu ezihlengahlengisiweyo (ii-ARM) zinokubonakala njengephupha lomninimzi. Ezi mali-mboleko ziqala ngenzala ephantsi kwiminyaka emibini ukuya kwemihlanu yokuqala. Bakuvumela ukuba uthenge ikhaya elikhulu kunelo unokuthi ulifanelekele kwaye ube neentlawulo eziphantsi, ezifikelelekayo.
Emva kweminyaka emibini ukuya kwemihlanu, izinga lenzala libuyela kwixabiso lemarike, elihlala liphezulu. Oku akuyongxaki ukuba ababoleki banokuthatha i-equity kumakhaya abo kunye nokubuyisela imali ngexabiso eliphantsi xa iphinda isetyenzisiwe. Kwelinye icala, ukuba umthengi akakhange abe sendlwini ixesha elide, kusenokwenzeka ukuba sele ithengisiwe xa inzala itshintshile.
Ngaba ndingafumana imali-mboleko yeminyaka engama-25 kunye neminyaka engama-40?
Ngokucofa ikhonkco lomthengisi kwindawo yethu, sinokufumana ikomishoni yokudibanisa ukunceda ukuxhasa umsebenzi wethu ongenzi nzuzo. Funda Ngakumbi Imiqathango emide yendlu-mboleko iya isiba yinto eqhelekileyo, kodwa yilumkele imigibeSMStephen MaunderInani lababoleki abathatha imali yokubambisa abaneminyaka engama-20 nangaphezulu lifikelele kwiminyaka emithathu ephezulu njengoko amaxabiso ezindlu ehlala enyuka. Umahluko phakathi kokwamkelwa okanye ukwaliwa, kodwa kuya kufuneka ucinge ngeendleko zexesha elide phambi kokufaka isicelo.
Amaxabiso ezindlu anyukile, kwaye ukuncitshiswa kwerhafu yezenzo zomthetho ezibhaliweyo kubangele imarike yezindlu. Idatha yeRegistry yePropati ibonisa ukuba amaxabiso anyuke nge-13% unyaka nonyaka ngoJuni.
Ungagcina malini nge-35 yeminyaka yokubambisa? Ukwenza ikhontrakthi ye-35 yeminyaka yokubambisa kuya kunciphisa kakhulu izavenge zenyanga, nangona kukho i-caveat yokuba kuya kufuneka ubahlawule ixesha elide.
Iminyaka engama-35 yokubala i-mortgage
I-mortgages lelona tyala likhulu kubantu baseMelika abaninzi, kodwa ukuyihlawula ngaphambi kwexesha lokuthatha umhlalaphantsi akunakwenzeka kumntu wonke. Ngapha koko, kwilizwe liphela, baphantse babe zizigidi ezili-10 abanini-zindlu abasahlawula imali-mboleko yabo bangama-65 nangaphezulu.
Ukuqonda ngcono apho abanini-zindlu banokuthi baqhubeke nokuhlawula imali yokubambisa xa bekufutshane okanye begqithile kwiminyaka yokuthatha umhlalaphantsi, uJacob Channel, umhlalutyi wezoqoqosho ophezulu e-LendingTree, wasebenzisa idatha yeCensus Bureau ukujonga umyinge wabanini-zindlu abaneminyaka engama-65 okanye ngaphezulu kwaye basenayo. i-mortgage kwindawo nganye ye-50 ye-metropolitan enkulu kwilizwe.
Isitishi sifumanise ukuba kwezi ndawo zemetro, umndilili ophantse ube yi-19% yabaninimzi abaneminyaka engama-65 nangaphezulu banemali mboleko. Le ngxelo ikwadiza ukuba amakhaya akweli qela leminyaka athande ukuba nganeno kunalawo ahlala abantu ngokubanzi, kwaye iindleko zabo zenyanga zithande ukuba phantsi.
Elona nqanaba liphezulu labanini bezindlu abangaphezu kweminyaka engama-65 kunye ne-mortgage ligxile eMiami, eLos Angeles naseSacramento (eCalifornia). Kwezi zixeko zintathu, umyinge ophantse ube yikota - 23,64% - yabaninimzi abaneminyaka engama-65 nangaphezulu banemali yokubambisa. Eli nani limalunga neepesenti ezintlanu ngaphezulu komndilili wezixeko ezimbaxa ezingama-50, eziyi-18,91%.
