Ikhatyhuleyitha yemali-mboleko ye-Dnb
Sebenzisa le calculator ye- mortgage ukumisela intlawulo yakho yenyanga kwaye uqikelele ixesha oya kulithatha ukuhlawula imali mboleko yakho. Uza kubona ukuba yimalini inzala onokuyihlawula kunye neemali eziqikelelwayo zenqununu. Kwaye ukuba ufuna ukuya phambili, faka izixa-mali zeentlawulo zangaphambili ukubala impembelelo yazo entle kwimali-mboleko yakho.
Iiwebhusayithi zangaphandle zeqela lesithathu ziya kuboniswa kwifestile yomxholo entsha neyahlukileyo. I-Middlesex Savings Bank ayiboneleli, kwaye ayinaxanduva, imveliso, inkonzo, umxholo wewebhusayithi ngokubanzi, ukufikelela, ukhuseleko, okanye imigaqo-nkqubo yabucala yazo naziphi na iisayithi zangaphandle zangaphandle.
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Ukuba uthenga ikhaya, isixa semali mboleko yakho sikholisa ukuba lixabiso lokuthenga kutsalwe intlawulo ephantsi. Ukuba uza kuhlaziya i-mortgage ekhoyo, yinkunzi oyibamba emva kwexesha lokugqibela le-mortgage.
Ixesha le-amortization lixesha elithathwayo ukuhlawula yonke imali-mboleko, kuquka inzala. Ixesha le-amortiation lingafikelela kwiminyaka engama-25 ukuba imali yokubambisa ifakwe kwi-inshurensi ngokuchasene nokusilela, ukuya kuthi ga kwiminyaka engama-30 ukuba akunjalo. Kwimali-mboleko entsha, ixesha le-amortization lidla ngokuba yiminyaka engama-25.
Ukuhlawula kwangaphambili kukuvumela ukuba uhlawule inxalenye okanye yonke imali-mboleko ngaphambi kokuphela kwexesha. Uninzi lweemali mboleko ezivaliweyo zikuvumela ukuba wenze iintlawulo zangaphambili zonyaka ze-10% ukuya kwi-20% ngaphandle komrhumo we-prepayment. Uninzi lwemali-mboleko evulekileyo inokuhlawulwa ngaphandle kwemirhumo yokuhlawula kwangaphambili. Jonga iinkcukacha kuxwebhu lwakho lokubambisa.
Kwimeko yokukhubazeka, ukugula okunzulu, ukuphelelwa ngumsebenzi, okanye ukufa, i-inshorensi yombolekisi inokukunceda uhlawule ityala lakho okanye unciphise ibhalansi yakho, okanye uhlawule ezinye iintlawulo. I-inshurensi yomntu otyalayo ayinyanzelekanga kwi-mortgages.
I-inshurensi ye-mortgage engagqibekanga ikhusela umbolekisi wakho ukuba awukwazi ukuhlawula imali mboleko yakho. Uyayidinga le inshurensi ukuba une-high-ratio mortgage, kwaye ihlala yongezwa kwinqununu ye-mortgage yakho. I-mortgage ngumlinganiselo ophezulu xa intlawulo ephantsi ingaphantsi kwe-20% yexabiso lepropati.
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Kwicandelo elithi "Intlawulo ePhantsi", faka imali yakho yentlawulo ephantsi (ukuba uyathenga) okanye isixa-mali se-equity onayo (ukuba uxhasa ngemali kwakhona). Intlawulo ephantsi yimali oyihlawula ngaphambili kwindlu, kwaye i-equity lixabiso lendlu, kuthatyathwe into oyibambayo. Ungangenisa isixa sedola okanye ipesenti yexabiso lokuthenga oza kuliyeka.
Inzala yakho yenyanga Ababolekisi bakunika ireyithi yonyaka, ngoko ke kuya kufuneka ulahlule elo nani nge-12 (inani leenyanga ngonyaka) ukuze ufumane ireyithi yenyanga. Ukuba inzala yi-5%, intlawulo yenyanga iya kuba yi-0,004167 (0,05/12 = 0,004167).
Inani leentlawulo kubomi bemali-mboleko Phinda-phinda inani leminyaka kwixesha lakho lemali-mboleko nge-12 (inani leenyanga ngonyaka) ukuze ufumane inani leentlawulo kwimali-mboleko yakho. Umzekelo, imali-mboleko emiselweyo yeminyaka engama-30 iya kuba neentlawulo ezingama-360 (30×12=360).
Le fomyula inokukunceda ukuba ubambe amanani ukuze ubone ukuba yimalini na onokuyenza ukuze uhlawulele ikhaya lakho. Ukusebenzisa isibali sokubambisa kunokwenza umsebenzi wakho ube lula kwaye kukuncede wenze isigqibo sokuba ubeka imali eyaneleyo na okanye unako okanye kufuneka uhlengahlengise ixesha lemali mboleko yakho. Kuhlala kululuvo olulungileyo ukuthelekisa amazinga enzala kunye nababolekisi abaninzi ukuqinisekisa ukuba ufumana esona sivumelwano sikhoyo.
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Kunokuhenda ukuboleka eyona mali iphezulu onokukwazi ukuyihlawula. Nangona kunjalo, xa usiba sikhulu isixa osibolekileyo, uya kuba nenkululeko encinci kufuneka umlinganiselo wenzala kunye neentlawulo zakho zinyuke. Okanye nokuba umvuzo wakho uyehla ngenxa yokungaqeshwa okanye ezinye iimeko ezingalindelekanga.
Ukusebenzisa isibali sokubambisa akuchaphazeli amanqaku akho etyala. Isibali sokubambisa sikunika uqikelelo lokuba yimalini onokuyiboleka. Ayiqhubeki isheke elinzima okanye elithambileyo letyala, jonga ukufikeleleka kwakho, okanye uvele kwingxelo yakho yetyala.
