Intsingiselo yemali mboleko
"Iingcali zamagama ziya kuqaphela igama elingenasiphelo kwi-mortgage: 'mort,' okanye 'ukufa,'" ubhala uWeller. "Eli gama livela kwisiFrentshi esidala, nangaphambi kwesiLatini, lithetha ngokoqobo 'ingubo yokufa'." Oku kunokubonakala kunzima. Ngapha koko, le ndlu uyithengileyo yindawo oza kuhlala kuyo. I-Quentin Fottrell Marketplace inika ingxelo yokuba isiqingatha esimangalisayo sabantu baseMelika banengxaki yokuhlawulela ikhaya labo.
Ngokutsho kophando lwe "Njani iHousing Matters", oluqhutywa nguJohn D. kunye noCatherine T. MacArthur Foundation kunye neHart Research Associates, i-50% yabantu baseMelika baye benza umbingelelo omkhulu, njengokuthatha ityala lekhadi letyala okanye ukwamkela okwesibini. umsebenzi, kule minyaka mithathu idlulileyo, ukuze bakwazi ukuhlawula izindlu zabo. Iingcali ngokwesiko ziqwalasela iindleko zezindlu ezifuna ukuba akukho ngaphezu kwe-30% yengeniso yekhaya ukuba ifikeleleke, kodwa uFottrell ubonisa ukuba "i-15% yabaninimzi baseMelika bahlala kwiimarike zezindlu apho i-A mortgage yenyanga kwi-median-privage home ifuna ngaphezulu kwe-30% kumvuzo wenyanga ophakathi wekhaya, ekudala ithathwa njengowona uphezulu kwintlawulo yerenti/yokubambisa." Amanani abandakanya iirhafu zepropati, i-inshurensi eyahlukeneyo, ukugcinwa, kunye nenzala ye-mortgage-zonke iindleko zokugcina kunye nokuhlawula i-mortgage.I-Average Mortgage Payment yaseMelika, yi-AgeCreate your own infographicsUya kuqaphela ukuba intlawulo yenyanga ye-avareji Eyona iphantsi - kuba 75 kwaye phezu kweqela - kusekho $447 ngenyanga. Ukuba siyihlela ngokwepesenti yomvuzo waphambi kwerhafu, loo nto iphantse ibe yi-16% yomvuzo oqhelekileyo wekhaya.
Best.com wikipedia
Eli nqaku lidinga izicatshulwa ezongezelelweyo zokuqinisekisa. Nceda uncede ukuphucula eli nqaku ngokongeza izicatshulwa ezivela kwimithombo ethembekileyo. Izinto ezingasebenziyo zinokucelwa umngeni kwaye zisuswe. Fumana imithombo: "Imali-mboleko yeKhaya" - Iindaba - Amaphephandaba - Iincwadi - Isifundiswa - JSTOR (Epreli 2020) (Funda ukuba ungasisusa njani kwaye nini esi sithuba kwithempleyithi)
Ababoleki-mali-mboleko basenokuba ngabantu ababambisa amakhaya abo okanye banokuba ziinkampani ezibambisa ngepropathi yorhwebo (umzekelo, iindawo zabo zoshishino, iindawo zokuhlala ezirentwayo, okanye ipotifoliyo yotyalo-mali). Umbolekisi udla ngokuba liziko lemali, elifana nebhanki, umanyano lwamatyala okanye inkampani yokubambisa, ngokuxhomekeke kwilizwe ekuthethwa ngalo, kwaye izivumelwano zemali-mboleko zingenziwa ngokuthe ngqo okanye ngokungathanga ngqo ngokusebenzisa abameli. Iimpawu zeemali-mboleko, ezifana nemali-mboleko, ukuvuthwa kwemboleko, izinga lenzala, indlela yokubuyisela imali mboleko kunye nezinye iimpawu, zinokuhluka kakhulu. Amalungelo omboleki kwipropati ekhuselweyo athatha indawo yokuqala ngaphezu kwabanye abatyalwayo bomboleki, nto leyo ethetha ukuba ukuba umboleki uyatshona okanye akatshoni, abanye abatyalwayo baya kufumana kuphela imbuyekezo yamatyala abanawo ngokuthengisa ipropati. ihlawulwa ngokupheleleyo kuqala.
Merriam webster mortgage
Igama elithi "i-mortgage" libhekisela kwimali-mboleko esetyenziselwa ukuthenga okanye ukugcina ikhaya, umhlaba, okanye ezinye iindidi ze-real estate. Umboleki uyavuma ukuhlawula umbolekisi ngexesha, ngokuqhelekileyo kuluhlu lweentlawulo eziqhelekileyo ezahlulwe zibe yinqununu kunye nenzala. Ipropati isebenza njengesibambiso ukukhusela imali-mboleko.
Umboleki kufuneka afake isicelo semali-mboleko ngokusebenzisa umbolekisi wakhe amkhethayo kwaye aqinisekise ukuba bayahlangabezana neemfuno ezininzi, ezinje ngamanqaku asezantsi etyala kunye neentlawulo eziphantsi. Izicelo ze- mortgage zihamba ngenkqubo engqongqo yokubhala phantsi ngaphambi kokuba zifike kwinqanaba lokuvala. Iindidi ze-mortgages ziyahluka ngokuxhomekeke kwiimfuno zomboleki, njengemali-mboleko eqhelekileyo kunye nemali mboleko emiselweyo.
Abantu kunye namashishini basebenzisa imali yokubambisa ukuze bathenge umhlaba ngaphandle kokuhlawula ixabiso elipheleleyo lokuthenga ngaphambili. Umboleki uyayihlawula imali-mboleko kunye nenzala kwinani elimiselweyo leminyaka ade abe ngumnini wepropati ngaphandle kwentlawulo. Iimali zokubambisa zikwabizwa ngokuba ziimali-mboleko ezichasene nepropati okanye amabango epropati. Ukuba umboleki uyasilela kwi-mortgage, umbolekisi unokuvala ipropati.
ukubiza i-mortgage
Nazi izinto ezi-3 abathengi basekhaya baseLouisville ekufuneka bezazi njengoko kunyuka inzala yendlu-mboleko - Ngokwembali inzala ephantsi ibiyindawo yokuthengisa kubathengi abacinga ukungena kwimarike, kodwa loo manani aphumile kwiitshathi.
Kukho izinto ezininzi kunye nezinto eziguquguqukayo ekufuneka ziqwalaselwe, kubandakanywa umvuzo wangoku kunye netyala, ii-asethi zomntu, amanqaku ekhredithi, iimali zentlawulo ephantsi, izinga lenzala ye-mortgage, ixabiso lokuthenga, kunye nendawo kunye nohlobo lwepropathi.
Isigqibo saseJamani sokuboleka ikamva layo lamandla (kunye noqoqosho lwayo) kwi-oyile negesi yaseRashiya kubonakala ngathi yimpazamo yobuchule bomyalelo wokuqala, ukuphumeza ukhuseleko lwamandla okanye isiphumo esivumelana nemozulu.
Umthetho oyilwayo ukwacebise ukuthotywa komda kwityala lemali yokubolekwa kwezindlu ukuya kwi-250.000 yeedola okanye ngaphantsi. Abaxhasi bayo, kuquka i-Oregon Association of Realtors, baye babonisa lo mgaqo-nkqubo njengento encedayo kwaye ivuze abaninimzi.
Noko ke, ukusebenza kwesi sikolo somthetho kwaphazanyiswa lungquzulwano olwaluphakathi kweCahn kunye nabafundisi-ntsapho, ukungalungelelani, neengxaki zemali ezakhokelela ekubeni esi sibini, ngaxa lithile, sibambise ngendlu yaso ukuze siqhubeke siqhuba.
