I-Mortgage yaseJamani
Kunokubakho iindidi ezididayo zokubolekwa kwezindlu, kodwa kuninzi lwabathengi bezindlu, ngokwesiqhelo, inye kuphela. Imali-mboleko yeminyaka engama-30 yexabiso elimiselweyo yinto eqhelekileyo yaseMelika, i-apile pie yezixhobo zemali. Yindlela izizukulwana zabantu baseMelika abaye bayithatha ukuze babe nekhaya labo lokuqala
I-mortgage ayikho ngaphezu kohlobo oluthile lwemali mboleko yexesha, eqinisekisiwe yi-real estate. Kwixesha lemali-mboleko, lowo ubolekayo uhlawula inzala ebalwa ngonyaka ngokuchasene nentsalela eseleyo yemali-mboleko. Zombini inzala kunye nesavenge senyanga zimisiwe.
Ekubeni intlawulo yenyanga imisiwe, inxalenye eya kukuhlawula inzala kunye nenxalenye ehambayo yokuhlawula inqununu iyatshintsha ngokuhamba kwexesha. Ekuqaleni, ngenxa yokuba ibhalansi yemali-mboleko iphezulu kakhulu, ininzi yentlawulo yenzala. Kodwa njengoko ibhalansi iba yincinci, inxalenye yenzala yentlawulo ihla kwaye inxalenye eyintloko inyuka.
Imali-mboleko yexesha elifutshane ithwala intlawulo ephezulu yenyanga, yenza ukuba imali-mboleko yeminyaka eyi-15 ibonakale ifikeleleka kangako. Kodwa ixesha elifutshane lenza ukuba imali-mboleko ingabizi kakhulu kwiinkalo ezininzi. Ngapha koko, kubomi bemali-mboleko, i-mortgage yeminyaka engama-30 iya kugcina ixabisa ngaphezulu kokuphindwe kabini kunokhetho lweminyaka eyi-15.
Ingaba iimali zokubambisa zihlala ixesha elingakanani?
Xa uthatha isigqibo phakathi kweemveliso ezithile, kunokuba lula ukuhamba nezona zidumileyo. Kodwa xa kuziwa ekukhetheni imveliso efanelekileyo yokubolekwa kwempahla kwiinjongo zakho, ukuhamba neyona ndlela idumileyo isenokungabi sesona sigqibo silungileyo.
Iimali mboleko zihlala zinexesha elithile lokuhlawula imali-mboleko. Oku kwaziwa njengexesha le-mortgage. Elona xesha liqhelekileyo lokuboleka imali eUnited States yiminyaka engama-30. I-mortgage yeminyaka engama-30 inika umboleki iminyaka engama-30 ukubuyisela imali mboleko yakhe.
Uninzi lwabantu abanolu hlobo lwe-mortgage aluyi kugcina imali mboleko yokuqala iminyaka engama-30. Enyanisweni, ixesha eliqhelekileyo lemali mboleko, okanye ubomi bayo obuqhelekileyo, bungaphantsi kweminyaka eyi-10. Oku akubangelwa kukuba aba baboleki bahlawula imali-mboleko ngexesha lerekhodi. Abanini bezindlu banokuthi bahlawule imali entsha yokubambisa okanye bathenge ikhaya elitsha ngaphambi kokuba ixesha liphele. Ngokutsho kweNational Association of REALTORS® (NAR), abathengi balindele kuphela ukuhlala kwikhaya abalithengayo umyinge weminyaka eli-15.
Ke kutheni le nto i-30 yeminyaka yokukhetha ilixesha eliphakathi kwi-mortgages e-United States? Ukuthandwa kwayo kunento yokwenza nezinto ezininzi ezahlukeneyo, ezifana nenzala ekhoyo ngoku yendlu-mboleko, intlawulo yenyanga, uhlobo lwendlu ethengwayo, okanye iinjongo zemali zomboleki.
i-mortgage calculator
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.
UCharles yingcali evunyiweyo kuzwelonke yeemalike ezinkulu kunye nomfundisi-ntsapho oneminyaka engaphezu kwama-30 yamava ephuhlisa iinkqubo zoqeqesho olunzulu kwiingcali zezimali ezisakhasayo. UCharles ufundise kumaziko ahlukeneyo aquka iGoldman Sachs, uMorgan Stanley, iSociete Generale kunye nezinye ezininzi.
Nangona kunjalo, ngenxa yokuba imali-mboleko ineminyaka eyi-10 ubude, iintlawulo zenyanga kwi-mortgage yeminyaka engama-40 ingaphantsi kune-mboleko yeminyaka engama-30, kwaye umahluko mkhulu ngakumbi xa uthelekiswa nemali-mboleko yeminyaka eyi-15. Iintlawulo ezincinci zenza ezi mboleko zinde zibe nomtsalane kubathengi abathi:
Ekubeni i-40-year-mortgages ayiqhelekanga, kunzima ukuyifumana. Awukwazi ukufumana imali mboleko ye-FHA yeminyaka engama-40, kwaye abaninzi ababolekisi abakhulu abaniki mboleko iminyaka engaphezu kwama-30. Uzakufuna ikhredithi elungileyo ukuze ufumane enye ukuba uyayifumana, kwaye izinga lenzala kwezi mboleko linokuba phezulu.
Elona xesha lilungileyo lemali-mboleko
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala nongakhethi cala, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
