Ngaba uyayihlawula i-apreyizali ngaphambi kokuba uvale?
Ukubhengezwa: Eli nqaku liqulethe izixhumanisi ezihambelanayo, oku kuthetha ukuba sifumana ikhomishini ukuba ucofa ikhonkco kwaye uthenge into esiyicebisile. Nceda ujonge umgaqo-nkqubo wethu wokubhengeza iinkcukacha ezithe vetshe.
Iindleko zokuvala ziyinkalo ebaluleke kakhulu ye-real estate ekufuneka abathengi basekhaya balungiselele, kodwa ngubani ohlawulayo? Ngamafutshane, iindleko zokuvala zomthengi kunye nomthengisi zihlawulwa ngokusekelwe kwimimiselo yekhontrakthi yokuthenga ikhaya, apho omabini amaqela avumelanayo. Njengomgaqo jikelele, iindleko zokuvala umthengi zinkulu, kodwa umthengisi uhlala enoxanduva lweendleko zokuvala. Okuninzi kuxhomekeke kwikhontrakthi yokuthengisa.
Iindleko zokuvala zizo zonke iimali kunye neendleko ekufuneka zihlawulwe ngosuku lokuvala. Umgaqo jikelele kukuba iindleko zokuvala zizonke kwiipropati zokuhlala ziya kufikelela kwi-3-6% yexabiso lilonke lokuthengwa kwekhaya, nangona oku kunokwahluka ngokuxhomekeke kwirhafu yendawo yendawo, iindleko ze-inshurensi kunye nezinye izinto.
Nangona abathengi nabathengisi bahlala besahlula iindleko zokuvala, ezinye iindawo ziye zaphuhlisa amasiko azo kunye nezenzo zokwahlula iindleko zokuvala. Qiniseka ukuba uthetha nomthengisi wakho wezindlu malunga nokuvala iindleko kwangethuba kwinkqubo yokuthenga ikhaya, nto leyo enokukunceda uthethathethwano ngezivumelwano zokuthengisa. Kamva siza kukunika iingcebiso malunga noku.
IiReyithi zoVavanyo lukarhulumente
Ndisebenze noSteve okokuqala…ukubambisa ngo-2020 kwaye inkqubo yayikhawuleza kwaye ingenabuhlungu. Ndiye ndamfowunela xa ndifuna ukuthenga i ex yam kule ntwasahlobo. Imeko yam ayiqhelekanga kancinci kwaye sifunde ukuba bekungenzeki ukuba ndisebenze nomthengisi kwimali-mboleko endiyifunayo. Ndathi ndakufumanisa ukuba andivunyelwanga ngoqhagamshelo lwebhanki lukaSteve, ngoko nangoko wathumela ifayile yam kubantu ababini ababesondelelene naye ngqo ebhankini. Omnye wabo wanditsalela umnxeba kwiiyure ezimbalwa kamva, wandiqinisekisa ukuba baya kundivuma, yaye kwaba njalo (kwisithuba seveki). Yayilixesha elinzima ngokwasemphefumlweni kum ukuba ndihambe ngokwahlukana kwaye ndihlawule ikhaya lam ndedwa kwaye uSteve wayezolile kwaye eluncedo kuyo yonke le nkqubo, kwaye nangona iinkcukacha zeemfuno zam zenza ukuba kube nzima ukuba agqibezele imali mboleko kunye nam, wakwazi ukundidibanisa nesisombululo esikhulu ukuze ndikwazi ukugcina indlu yam. Xa ndandivunyiwe, wada wandithumelela umyalezo wokuvuyisana nam! Lilonke ibingamava abalaseleyo Funda ngakumbi
Ngubani ohlawula uvavanyo xa uthenga indlu
Xa uthenga ikhaya lentsapho enye okanye i-condo eMassachusetts, umbolekisi wakho uya kufuna ukwazi ukuba ikhaya olithengayo lixabisa isixa semali ovumelene ngayo ukuhlawula umthengisi.
Umbolekisi kufuneka alixabise ikhaya ukuze afumanise nantoni na enokuthi ichaphazele kakubi okanye ngokufanelekileyo ixabiso lemarike lekhaya. Ukuze kuqondwe ixabiso lendlu, ababolekisi-mali bafuna ukuba bonke ababoleki babe nexabiso lezindlu, maxa wambi elibizwa ngokuba luxabiso lwezindlu.
Imimiselo yebhanki ye-Federal ifuna ukuba umbolekisi acele i-apreyizali. Lo mmiselo usisiphumo sogcino-mali kunye neemali-mboleko ekupheleni kweminyaka yoo-80. Umthetho we-Federal unika ilungelo lokufumana ikopi yovavanyo olupheleleyo kumbolekisi wakho.
Uninzi lwababolekisi luhlawulisa umthengi wendlu ngeendleko zovavanyo kwangaphambili. Nokuba intlawulo yomvavanyi ayibizwa kuwe ngaphambili, iindleko ziya kudluliselwa kuwe njengeendleko zokuvala phantsi kweenkqubo ezininzi zemboleko. Kukho iinkqubo mboleko ezingenazo iindleko zokuvala, kodwa uninzi lwezo nkqubo zisetyenziswa ngabantu abaxhasa ngemali mboleko ekhoyo. Uninzi lweemali mboleko zokuthenga zifuna ukuba umboleki ahlawule iindleko zokuvala, kubandakanya neendleko zovavanyo. Iinkcukacha ngeendleko zokuvala ziya kuvela kwingxelo yokuvala.
Uvavanyo okanye ukuhlolwa kuqala
UJustin Pritchard, uCFP, ungumcebisi wentlawulo kunye neengcali ngezemali. Ibandakanya iibhanki, iimali-mboleko, utyalo-mali, imali yokubambisa kunye nokunye okuninzi kwiBalance. Une-MBA evela kwiYunivesithi yaseColorado kwaye usebenze kwiimanyano zamatyala kunye neefemu ezinkulu zemali, kunye nokubhala malunga nezezimali zomntu ngaphezu kweminyaka engamashumi amabini.
I-Khadija Khartit licebo, ingcaphephe yotyalo-mali kunye nenkxaso-mali, kunye ne-fintech kunye notitshala onobuchule bezemali kwiiyunivesithi eziphezulu. Ube ngumtyali-mali, usomashishini kunye nomcebisi iminyaka engaphezu kwama-25. Ungumnini weFINRA Series 7, 63 kunye ne 66 layisensi.
Imirhumo yovavanyo igubungela indleko yokuba umxabisi oyingcali ahlole ikhaya kwaye aqikelele ixabiso lemarike. Ezi kunye nezinye iintlawulo xa uthenga ikhaya kufuneka zidweliswe kwifomu yoqikelelo lwemali-mboleko. Iindleko zovavanyo lwekhaya ngokuqhelekileyo ziphakathi kwe-$300 kunye ne-$450 yekhaya losapho olunye ukusukela ngo-2022. Amaxabiso axhomekeke kumvavanyi, indawo yekhaya, kunye nobunzima bovavanyo.
Uvavanyo lwekhaya luhlala lwenziwa emva kokuba umthengisi esamkele isipho kwikhaya nangaphambi kokuba intengiso ivalwe. Ngokuqhelekileyo kwenziwa emva kokuhlolwa; Akukho mfuneko yokuhlawulela uvavanyo ukuba indlu inengxaki. Kwiimeko ezininzi, umthengi uhlawula umrhumo wokuvavanya ngexesha lokuvala. Kwezinye iimeko, unokufumana umthengisi ukuba ahlawule.
