Ukufikeleleka ngesiNgesi
*Umzekelo wexabiso lasekhaya uqala kwi-30-year fixed rate rate ye-4,0% yokuthengwa kwendlu eFlorida, kunye nexabiso lerhafu yepropathi yonyaka ye-0,97% kunye ne-premium yonyaka ye-$ 600 ye-inshurensi yabanikazi bezindlu. Inzala yakho kunye nohlahlo lwabiwo-mali luya kwahluka. Yonke imizekelo eyenziwe nge-Mortgage Reports mortgage calculator
*Yonke imizekelo ithatha amanqaku etyala angama-720, irhafu yepropathi eyi-0,1% ngonyaka, kunye neprimiyamu ye-inshorensi yabaninimzi eyi-$600 ngonyaka. Zonke izibalo ezenziwe kusetyenziswa i-Mortgage Reports Home Affordability Calculator
Ezinye iikhaltyhuleyitha zokubambisa imali azithatheli ngqalelo zonke iindleko ezibandakanyiweyo kwintlawulo yenyanga. Oku kunokukunika uqikelelo olungekho ngqiqweni lokuba lingakanani na ikhaya onokulihlawula ngokusekelwe kumvuzo wosapho lwakho.
Isizathu? Unohlahlo lwabiwo-mali olumiselweyo lwenyanga kwaye, xa ezinye iindleko zendlu ziphezulu, unebhajethi encinci yendlu ngokwayo. Ngokulandelayo, oku kunciphisa inani lekhaya onokuthi ulihlawule.
Khumbula kwakhona ukuba kufuneka uthathele ingqalelo iindleko zenyanga zobomi bemihla ngemihla, njengefowuni ephathwayo, i-Intanethi kunye namatyala oncedo. Ababolekisi abazithatheli ngqalelo xa bemisela ukufaneleka kwakho. Kodwa ziya kuba nefuthe kuhlahlo lwabiwo-mali lwakho lwenyanga kunye nokuba lifikeleleka kangakanani na i-mortgage yakho.
iimfuno zokubambisa
Ukuthenga ikhaya elinemali yokubambisa kudla ngokuba lolona tyalo-mali lobuqu lubalulekileyo lusenziwa ngabantu abaninzi. Ingakanani imali onokuyiboleka ixhomekeke kwizinto ezininzi, kungekhona nje ukuba ibhanki izimisele ukukuboleka kangakanani. Kufuneka uvavanye kungekuphela nje imali yakho, kodwa nezinto ozikhethayo kunye nezinto eziphambili.
Ngokuqhelekileyo, abaninzi abanokuba ngabanikazi bezindlu banokukwazi ukuxhasa ngemali ikhaya elinemali yokubambisa phakathi kwesibini kunye nesibini nesiqingatha somvuzo wabo wonyaka. Ngokwale fomula, umntu ofumana i-100.000 yeedola ngonyaka unokuhlawulela kuphela imali-mboleko ephakathi kwama-200.000 nama-250.000 eerandi. Nangona kunjalo, olu balo sisikhokelo nje ngokubanzi.
Ekugqibeleni, xa kusenziwa isigqibo ngepropati, izinto ezininzi ezongezelelweyo kufuneka ziqwalaselwe. Okokuqala, kuyanceda ukwazi ukuba umbolekisi ucinga ukuba ungafikelela njani (kunye nendlela abafike ngayo kolo qikelelo). Okwesibini, kuya kufuneka wenze uhlolo lobuqu kwaye ufumanise ukuba loluphi uhlobo lwendlu ozimisele ukuhlala kuyo ukuba uceba ukwenza oko ixesha elide kwaye zeziphi ezinye iintlobo zokusetyenziswa ozimisele ukuncama-okanye hayi- ukuhlala kuzo. ikhaya lakho.
Inzala yemali-mboleko
Awufuni kuphelela kwi-mortgage ongenakukwazi ukuyihlawula, ngoko kubalulekile ukuba ube nenyani malunga nomvuzo wakho wenyanga kunye neendleko eziqikelelwayo, kwaye ushiye indawo ethile kuhlahlo lwabiwo-mali lwakho lweemeko zikaxakeka okanye iindleko ezingalindelekanga ezinokuvela.
Uninzi lwabacebisi ngezezimali bayavuma ukuba abantu kufuneka bachithe imali engagqithiyo kwi-28% yomvuzo wabo wenyanga uwonke kwiindleko zezindlu kwaye bangabi ngaphezu kwe-36% kwityala lilonke, eliquka izindlu kunye nezinto ezinjengemali-mboleko yabafundi, iindleko zemoto, kunye neentlawulo zekhadi letyala. Umgaqo we-28/36 wepesenti ngumgaqo wokufikeleleka kwekhaya obeka isiseko sento onokuyihlawula inyanga nenyanga.
Umzekelo: Ukubala ukuba yimalini na i-28% yomvuzo wakho, phinda-phinda umvuzo wakho wenyanga ngama-28. Ngoku yahlula-hlule elo nani lilonke nge-6.000. 6,000 ÷ 28 = 168,000.
Kuxhomekeka kwindawo ohlala kuyo kunye nokuba wamkela malini, umvuzo wakho wonyaka unokuba ngaphezu kokwaneleyo ukuhlawulela imali-mboleko, okanye unokutshona. Ukwazi into onokukwazi ukuyifikelela kunokukunceda ukuba uthathe amanyathelo alandelayo ngokwemali. Into yokugqibela ofuna ukuyenza kukutsibela kwimali mboleko yendlu yeminyaka engama-30 ebiza kakhulu kuhlahlo lwabiwo-mali lwakho, nokuba ungafumana umbolekisi ozimiseleyo ukubhala phantsi imali-mboleko.
Canada mortgage calculator
Ukuba awukwazi ukuthenga indlu ngemali, ukwinkampani elungileyo. Ngo-2019, iipesenti ezingama-86 zabathengi bamakhaya basebenzise imali mboleko ukuvala isivumelwano, ngokutsho koMbutho weSizwe weeRealtors. Okukhona umncinci, kokukhona uya kufuna imali-mboleko ukuze uthenge ikhaya – kwaye kokukhona uya kuzibuza ukuba, “Ingakanani indlu endinokuyithenga?” kuba awukadluli kumava okwangoku.
Umvuzo ngowona mba ucacileyo wokuba ungakanani na ikhaya onokuthi ulithenge: Okukhona ufumana umvuzo ongakumbi, kokukhona unokuhlawulela ikhaya elingakumbi, akunjalo? Ewe, ngaphezulu okanye ngaphantsi; kuxhomekeke kwinxalenye yomvuzo wakho esele igutyungelwe ziintlawulo zamatyala.
Usenokuba uhlawula imali-mboleko yemoto, ikhadi letyala, imali-mboleko yobuqu, okanye imali-mboleko yomfundi. Ubuncinci, ababolekisi baya kudibanisa zonke iintlawulo zenyanga zetyala oza kuzenza kwiinyanga ezili-10 ezizayo okanye ngaphezulu. Ngamanye amaxesha, baya kubandakanya amatyala owahlawula kuphela kwiinyanga ezimbalwa ezingaphezulu ukuba ezo ntlawulo zichaphazela kakhulu intlawulo yenyanga yokubambisa onokufikelela kuyo.
Kuthekani ukuba unemali-mboleko yomfundi kwi-deferment okanye unyamezelo kwaye okwangoku awuhlawuli? Uninzi lwabathengi bamakhaya bayamangaliswa kukufunda ukuba ababolekisi bafaka intlawulo yakho yemali mboleko yomfundi kwixesha elizayo kwiintlawulo zakho zenyanga. Ngapha koko, ukulibaziseka kunye nonyamezelo kunika ababoleki ukuhlehliswa kwexesha elifutshane, elifutshane kakhulu kunexesha lemali yokubambisa.
