Isibali sokusetyenziswa kwemali eyinkunzi ukuthenga ikhaya lesibini
Ukuba kuyenzeka. Ukuthenga ikhaya lesibini, mhlawumbi njengotyalo-mali lokurenta okanye ngenxa yokuba unesizathu esivakalayo sokuba nekhaya lesibini, zizizathu eziqhelekileyo zokuhlawula imali yakho yokubambisa. Akukho sizathu sokuba i-equity owakhe kwikhaya lakho lokuqala ingasetyenziselwa ukufumana enye.
Kuya kufuneka uxelele umcebisi wakho wemali mboleko ngesizathu sendlu yakho yesibini. Oku akuyi kubavumela kuphela ukuba bakukhethele imveliso yemali-mboleko efanelekileyo, kodwa iya kuthathelwa ingqalelo ngababolekisi ekuqinisekiseni ukuba nokwenzeka kwayo.
I-mortgage enenzala kuphela yokuthenga kunye nerenti yindlela esemgangathweni yokuqala ipotifoliyo yepropathi, i-mortgage yokurentisa ngexesha leholide iya kukuvumela ukuba uthenge ipropati kunye nesicwangciso sokurenta sexesha elifutshane, kwaye ukuba ufuna ukufudukela kwipropati entsha kodwa ugcine. indlu yakho yoqobo kwaye uyiqeshise, inkqubo yokurenta-yeyakho ikuvumela ukuba uguqule iimeko ze-mortgage yakho ngokufanelekileyo.
Unokufuna ikhaya elincinci esixekweni ukunqanda ukuhamba, unokufuna ukuxhasa abazali bakho abadla umhlala-phantsi, okanye unokuba nomdla kwikhaya lakho leholide kusapho lwakho. Ukuthengwa kwendlu yesibini enemali yokubambisa eyongezelelweyo yokuhlala kunokuxhaswa ngemali ngokubuyisela ikhaya lakho eliphambili.
Isibali seRemortgage ukuthenga enye indawo
Kufumaniseka ukuba i-63% yabaninimzi basekwinkqubo yokuhlawula amatyala abo okubambisa. Ukuba ucinga ukuthengisa kodwa ubambekile ngenye iminyaka eyi-17 yeentlawulo zezindlu, nantsi into ekufuneka uyazi.
Xa uthengisa, ufuna ukuba ne-equity eyaneleyo yokuhlawula ibhalansi yakho yemali mboleko, uhlawule iindleko zokuvala, kwaye wenze inzuzo. Ekuvaleni, imali yomthengi iqala ihlawule imali eseleyo yemali mboleko yakho kunye neendleko zokuvala, kwaye emva koko ikuhlawule enye. Ukuba uthengisa ikhaya lakho ngokukhawuleza emva kokuthenga, jonga nombolekisi wakho ukuze ubone ukuba isohlwayo sentlawulo yangaphambili siyasebenza na kwimali mboleko yakho.
Ukufumana isixa-mali se-amortization yeyona ndlela ilungileyo yokufumana uqikelelo oluchanekileyo lokuba usetyala malini kwimali mboleko yakho. Unokufumana isixa-mali sokuhlawula ngokuqhagamshelana nombolekisi wakho ngefowuni okanye kwi-intanethi. Nceda uqaphele ukuba isixa-mali se-amortization yahlukile kwibhalansi yemali-mboleko eseleyo eboniswe kwisiteyitimenti sakho senyanga semali-mboleko. Isixa-mali sokuhlawulelwa siquka inzala efunyenweyo ngomhla wokuvala, ngoko linani elichaneke ngakumbi. Xa ufumana uhlahlo lwabiwo-mali lwe-amortization, umbolekisi uya kukwazisa ngexesha layo, elidla ngokuba phakathi kweentsuku ezili-10 nezingama-30.
Ngaba ndingathatha imali-mboleko kwindlu yam ukuze ndithenge enye indawo?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo ezikrelekrele zemali ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala kunye nenjongo, kunye nokukuvumela ukuba uphande 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.
Indlela yokusebenzisa indlu yangoku ukuthenga enye
Qaphela: I-Net value ibandakanya inxalenye yexabiso lendlu yakho osele uyihlawule kunye nazo naziphi na iinzuzo zoxabiso. Ukuba utyala i-150.000 yeedola kwikhaya elixabisa i-300.000 yeedola, uya kuba ne-150.000 yeedola - okanye i-50% - yexabiso eliseleyo.
Ababolekisi badla ngokuvumela imali-mboleko yokubuyisela imali ukuya kuthi ga kwi-80% yexabiso lekhaya. Baya kubona ixabiso lepropathi ye-300.000 kunye nokukhupha i-20% (i-$ 60.000). Oko kuyakushiya malunga ne-240.000 yeedola onokuboleka.
Kuphela i-VA cash-out refinancing ivumela iimali-mboleko eziphezulu, ukuya kuthi ga kwi-100% yexabiso lekhaya lakho kwezinye iimeko. Nangona kunjalo, kufuneka ube ligqala, ilungu lenkonzo esebenzayo, okanye inxalenye yelinye iqela elihlangene nomkhosi ukuze ufanelekele inkqubo ye-VA.
Abaninimzi baya kufuna ngaphezulu kwe-20% ye-equity kwindawo yabo yokuhlala ephambili ukuze bafanelekele ukuhlawulelwa yimali. Ngokubanzi, kufuneka ushiye i-20% yexabiso lekhaya lingachukunyiswanga, nto leyo ethetha ukuba unokukhupha kuphela i-equity eninzi onayo ngaphezu kwalo mqobo.
Kwinkqubo yemali mboleko yemveli, ungalungela ukufumana awona manqaku asezantsi etyala angama-580 ngenkqubo yemali mboleko ye-FHA. Kodwa ngokukhupha imali ngokutsha, uya kufuna amanqaku etyala angama-620 okanye ngaphezulu, nokuba usebenzisa yeyiphi na inkqubo yemali-mboleko oyisebenzisayo, nokuba yi-FHA, VA, okanye i-cash-out refinance eqhelekileyo.
