Ubuninzi bepesenti yemali-mboleko
Faka idatha yakho kwikhaltyhuleyitha ukuqikelela ubuninzi bemali-mboleko onokuthi uyicele. Emva kokuba ulwenzile ubalo, ungadlulisela iziphumo kwikhatyhuleyitha yethu yokuthelekisa i-mortgage, apho unokuthelekisa zonke iintlobo zamva nje zokubambisa.
Le mida ibekwe yi-Central Bank yase-Ireland njengenxalenye yemigaqo ye-macroprudential. Ingqiqo yale migaqo kukuqinisekisa ukuba abathengi banengqiqo xa beboleka, ukuba ababolekisi balumke xa beboleka, kwaye bancede nasekulawuleni ukunyuka kwamaxabiso ezindlu.
Imithetho yediphozithi yeBhanki ePhakathi ifuna idiphozithi eyi-10% kubathengi bokuqala. Ngesicwangciso esitsha soncedo lokuthenga kubathengi bamakhaya amatsha, amagumbi kunye nokuzakhela, unokufumana ukucuthwa kwerhafu nge-10% (ngomda omkhulu we-30.000 euros) yexabiso lokuthenga kwiipropati ezibiza i-euro ezingama-500.000 okanye ngaphantsi.
I-mortgage yi-50% yomvuzo oseleyo
Phambi kokuba uqale ukukhangela ikhaya, kufuneka wazi ukuba ungafikelela malini na ukuze ungachithi xesha ujonge amakhaya angaphandle koluhlu lwamaxabiso akho. Ukuba wenza njalo, kunzima ukuba ungaziva utshintshile xa ubona amakhaya aphantsi kwamaxabiso.
Ingcali yakho yemali-mboleko iya kunceda ekuqinisekiseni ukuba unemali eseleyo yokuhlawula iimfuno zakho zemihla ngemihla, kunye nokhetho lwakho lwendlela yokuphila. Uninzi lwababolekisi-mali lusebenzisa olu lungelelwaniso lulandelayo njengesikhokelo sokubala ubuninzi okufuneka uchithe kwiindleko zezindlu kunye namanye amatyala:
Wena kunye nengcali yakho ye-mortgage kunokufuneka ucinge ngeendleko zexesha elizayo ngokunjalo. Kuya kufuneka utshintshe imoto yakho kunyaka olandelayo. Okanye ukuba ulindele umntwana, iindleko ezinxulumene nabantwana, kunye nekhefu lotata, zinokuchaphazela uhlahlo lwabiwo-mali lwakho.
i-mortgage calculator
*Umzekelo wexabiso lasekhaya uthatha i-30-year fixed rate rate ye-4,0% yokuthengwa kwendlu eFlorida, kunye nexabiso lerhafu yepropathi yonyaka ye-0,97% kunye ne-premium yonyaka ye-inshurensi yabanikazi bezindlu ezingama-600. 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.
Yeyiphi ipesenti yomvuzo wakho kufuneka imali yakho yokubambisa ibe noDave Ramsey
Ukuba eli lixesha lakho lokuqala ukuthenga ikhaya, unokuba nengxaki yokuthatha isigqibo sokuba yimalini na onokuyihlawula. Omnye weyona miqobo mikhulu abajongana nayo abathengi basekhaya okokuqala kukufumanisa ukuba yeyiphi ipesenti yengeniso ekufuneka iye kwiintlawulo zokubambisa nyanga nganye. Usenokuba uvile ukuba kufuneka uchithe malunga ne-28% yengeniso yakho yenyanga yonke kwi-mortgage yakho, kodwa ngaba le pesenti ilungile kumntu wonke? Makhe sijonge ngakumbi ukuba yeyiphi ipesenti yomvuzo wakho ekufuneka iye kwimali yokubambisa.
Imeko yomninimzi ngamnye yahlukile, ngoko akukho mgaqo unzima kwaye ukhawulezayo malunga nokuba yimalini ekufuneka ibekwe kwi-mortgage inyanga nenyanga. Nangona kunjalo, iingcali zinamagama ambalwa obulumko bokuqinisekisa ukuba awupheli ukolula uhlahlo lwabiwo-mali lwakho lwezindlu kude kakhulu.
Umgaqo osoloko ubhekiselwa kuma-28% uthi akufuneki uchithe ngaphezulu kwepesenti yomvuzo wakho wenyanga opheleleyo kwintlawulo yakho yokubambisa, kubandakanywa irhafu yepropathi kunye ne-inshurensi. Idla ngokubizwa ngokuba ngumlinganiselo okhuselekileyo wokubambisa-kwingeniso, okanye isikhokelo esilungileyo sokuhlawula imali yokubambisa. Umvuzo uwonke ngumvuzo wakho uwonke wekhaya phambi kokuba kukhutshwe iirhafu, iintlawulo zetyala, kunye nezinye iindleko. Ababolekisi bahlala beyiqwalasela ingeniso yakho xa besenza isigqibo sokuba yimalini onokuyiboleka kwimali mboleko yendlu.
