Ingakanani imali-mboleko ekufuneka ndiyicele yendlu
Ukuba ujonge ukufaka isicelo semali mboleko, isibali sethu semali mboleko siya kukunika umbono orhabaxa wokuba umbolekisi angakunika malini ngokusekwe kumvuzo wakho nokuba uthenga komnye umntu.
Iibhanki kunye nemibutho yokwakha ibonelela ngokuphindwe kane nesiqingatha umvuzo wonyaka wakho kunye nabani na othenga naye. Oku kuthetha ukuba ukuba uthenga wedwa kwaye urhole i-£30.000 ngonyaka, banokukunika ukuya kuthi ga kwi-£135.000.
Noko ke, kukho iimeko ezikhethekileyo. Ezinye iibhanki zibonelela ngemali mboleko yezindlu ezinkulu kubaboleki abanemivuzo ephezulu, iidiphozithi ezinkulu, okanye abasebenza kwimisebenzi ethile. Ukuba ufanelekile, unokuboleka ukuya kutsho kwisihlanu nesiqingatha somvuzo wakho.
Kwiimeko ezininzi, ababolekisi baya "kuvavanyo loxinzelelo" nasiphi na isicwangciso esicetywayo sembuyekezo yemali-mboleko ukuqinisekisa ukuba inokumelana nokunyuswa kwenzala yeepesenti ezintathu ubuncinane. IBhanki yaseNgilani icinga ukususa le mfuneko, nangona utshintsho alunakwenzeka ukuba luqalise ukusebenza kude kube yi-2023.
Ukuba unexabiso lemali-mboleko emiselweyo, ukonyuka kwenzala akusayi kukuchaphazela de kube sekupheleni kwexesha lakho elimiselweyo. Kodwa nge-mortgage rate rate, inzala inokunyuka okanye ihle nangaliphi na ixesha ngexesha.
i-mortgage calculator
Sifumana imbuyekezo kwamanye amahlakani aneentengiso zivela kweli phepha. Asikhange sihlolisise zonke iimveliso ezikhoyo okanye unikezelo. Imbuyekezo inokuphembelela indlela unikezelo oluvela ngayo kwiphepha, kodwa izimvo zethu zomhleli kunye neereyithingi azichatshazelwa yimbuyekezo.
Uninzi okanye zonke iimveliso eziboniswe apha zivela kumaqabane ethu asihlawulela ikhomishini. Le yindlela esenza ngayo imali. Kodwa isidima sethu somhleli siqinisekisa ukuba izimvo zeengcali zethu aziphenjelelwa yimbuyekezo. Imigaqo inokusebenza kunikezelo oluvela kweli phepha.
Ukuthenga ikhaya ngumsebenzi omkhulu. Kubalulekile ukuthenga ikhaya olithandayo kunye nosapho lwakho, kwaye kukwabalulekile ukuba uqinisekise ukuba unako ukuhlawula imali mboleko. Ukuba uza kuchitha malini kwikhaya lakho kuya kuxhomekeka kwisixa semali mboleko yakho kunye nexabiso lendlu oye wayimisa, kunye nezinye iindleko zendlu ezifana nerhafu yepropathi, i-inshurensi, kunye neefizi zombutho wabaninimzi ngamanye amaxesha kunye ne-inshurensi yokubambisa yabucala. Apha siya kukunceda wenze isigqibo esifanelekileyo sezemali kunye nendlela yokuphendula umbuzo othi, "Ingakanani indlu endinokuyifumana?"
ndingayiboleka malini indlu
Ukuthenga ikhaya kukuzibophelela okukhulu, kwaye izinto ezininzi zigqiba ukuba umboleki-mali mboleko uzimisele ukukunika ntoni. Sixelele kancinci malunga nezezimali zakho kunye nohlobo lwepropathi ofuna ukuyithenga ukuze ufumane umbono wento onokukwazi ukuyifikelela.
Ngaphambi kokuba uqale ukukhangela ikhaya elitsha, kufuneka uqikelele ukuba lingakanani ikhaya onokulihlawula. Enye indlela yokuqalisa kukufumana imvume engaphambili ngumbolekisi, nto leyo eya kuthi ithathele ingqalelo imiba efana nomvuzo, ityala kunye netyala, kwakunye nokuba yimalini oyigcinele intlawulo ephantsi, ukugqiba isixa-mali semali mboleko onokukwazi ukuyihlawula. . Umthetho oqhelekileyo kukujolisa kwikhaya elixabisa malunga nezihlandlo ezibini ezinesiqingatha umvuzo wakho wonyaka. Ukuba unetyala elikhulu lekhadi letyala okanye ezinye izibophelelo zemali, ezifana ne-alimony okanye into yokuzonwabisa ebiza kakhulu, unokufuna ukubeka izinto eziphantsi. Omnye umgaqo: Zonke iintlawulo zakho zenyanga zendlu kufuneka zingabi ngaphezu kwe-36% yomvuzo wakho wenyanga. Le calculator inokukunika umbono jikelele wobungakanani bemali mboleko onokuthi uyihlawule.
Zillow
Fumanisa ukuba yimalini na onokuthi ukwazi ukuyihlawula ngekhaltyhuleyitha yokufikeleleka kwendlu. Fumana uqikelelo lwexabiso lendlu kunye nentlawulo yemali yokubambisa yenyanga ngokusekelwe kumvuzo wakho, ityala lenyanga, intlawulo ephantsi kunye nendawo.
Ukuba ufumana inkxaso-mali yendlu yakho, uya kuhlawula ngaphezu kwemali oyibolekile, ekubeni imali oyihlawulayo igqitywa zizinto ezininzi, kuquka inzala kunye nesixa semali-mboleko. Le yeminye yemigaqo ekufuneka uyiqonde. Umlinganiselo weNzala Amanqaku esaphulelo seNtlawulo IXesha leMboleko Khumbula ukuba amazinga enzala ayinxalenye yebali kuphela. Iindleko ze-mortgage zibonakaliswa kwizinga lenzala, amanqaku esaphulelo, iikhomishini kunye neendleko zokuvula. Eli xabiso laziwa ngokuba yipesenteji yonyaka (APR), edla ngokuba phezulu kunomlinganiselo wenzala. I-APR ikuvumela ukuba uthelekise i-mortgages yesixa-mali esifanayo kwiidola ngokuqwalasela iindleko zabo zonyaka. Intlawulo yendlu-mboleko yenyanga Intlawulo yendlu-mboleko yenyanga idla ngokuba namacandelo amane: Kuxhomekeka kwindawo yepropati yakho, uhlobo lwepropati kunye nesixa semali-mboleko, unokuba nezinye iindleko zenyanga okanye zonyaka ezifana ne-inshurensi yokubambisa, i-inshurensi yezikhukhula okanye iintlawulo zombutho wabanini zindlu. . Ividiyo-Amacandelo eNtlawulo yokubolekwa kwezindlu Bukela le vidiyo ukuze uqonde ukuba yintoni eyenza intlawulo yendlu-mboleko eqhelekileyo-inqununu, inzala, irhafu, kunye ne-inshurensi- kunye nendlela abanokutshintsha ngayo ubomi bemboleko. Jonga inzala yangoku.
