Ukubhatala ityala lendlu
Fumanisa ukuba yimalini na onokuthi ukwazi ukuyihlawula ngekhaltyhuleyitha yokufikeleleka kwendlu. Fumana uqikelelo lwexabiso lekhaya kunye nentlawulo yemali-mboleko yenyanga ngokusekelwe kumvuzo wakho, ityala lenyanga, intlawulo ephantsi kunye nendawo.
Ukuba ufumana inkxaso-mali yendlu yakho, uya kuhlawula ngaphezu kwemali oyibolekile, ekubeni imali oyihlawulayo imiselwa zizinto ezininzi, njengenzala kunye nesixa semali-mboleko. Le yeminye yemigaqo ekufuneka uyiqonde. Umlinganiselo weNzala Amanqaku esaphulelo seNtlawulo Ixesha leMali-mboleko Khumbula ukuba amazinga enzala ayinxalenye yebali kuphela. Iindleko ze-mortgage zibonakaliswa kwizinga lenzala, amanqaku esaphulelo, iikhomishini kunye neendleko zokuvula. Ezi ndleko zaziwa ngokuba yi-Annual Percentage Rate (APR), edla ngokuba phezulu kunomlinganiselo wenzala. I-APR ikuvumela ukuba uthelekise i-mortgages yesixa-mali esifanayo ngeedola 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 kwendlu 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.
IKhatyhuleyitha yokufikeleleka kwe-Mortgage
I-mortgage yimali-mboleko ekhuselwe yipropathi, ngokuqhelekileyo i-real estate. Ababolekisi bayichaza njengemali ebolekwe ukuhlawula i-real estate. Ngokwenyani, umbolekisi unceda umthengi ahlawule umthengisi wendlu, kwaye umthengi uyavuma ukubuyisela imali ebolekiweyo kwithuba lexesha, ngokuqhelekileyo iminyaka eyi-15 okanye engama-30 e-US. Nyanga nganye, yenza intlawulo evela kumthengi ukuya kumthengi. umbolekisi. Inxalenye yentlawulo yenyanga ibizwa ngokuba yinqununu, leyo yimali yokuqala ebolekiweyo. Enye inxalenye yinzala, eyindleko ehlawulwa umbolekisi ngokusebenzisa imali. Kusenokubakho i-akhawunti ye-escrow yokuhlawula iindleko zerhafu yepropathi kunye ne-inshurensi. Umthengi akanakuqwalaselwa njengomnini opheleleyo wepropati ebanjiswe ngayo kude kube yintlawulo yokugqibela yenyanga. EUnited States, eyona mali mboleko ixhaphakileyo yimali-mboleko yemali-mboleko yeminyaka engama-30 yesiqhelo, emele phakathi kwe-70% kunye ne-90% yazo zonke iimali mboleko. Ukuboleka imali yindlela abantu abaninzi abanokuba nekhaya eMelika.
Iintlawulo zenyanga zezindlu ngokuqhelekileyo zenza ubuninzi beendleko zemali ezinxulumene nobunini bendlu, kodwa kukho ezinye iindleko ezibalulekileyo ekufuneka ziqwalaselwe. Ezi ndleko zahlulahlulwe zibe ngamacandelo amabini: eziphindaphindayo nezingaphindekiyo.
Inzala yemali-mboleko
I-APR (Annual Percentage Rate) ikunceda uthelekise unikezelo lwemali-mboleko eyahlukeneyo. Amaxabiso e-APR achanekile kwidesimali enye, kodwa akukho desimali iboniswa xa ixabiso lilinani elipheleleyo. Umzekelo, i-3,0% iya kuboniswa njenge-3%.
Fumana isakhiwo esikalelwe ngeenkwenkwezi ezi-5 kunye nokugubungela umxholo ovela kwi-Defaqto ngokuphendula imibuzo embalwa elula. I-inshurensi yekhaya lethu ikunika uluhlu lwezinto onokukhetha kuzo, kwaye ngenkonzo yethu yabathengi ephumelele ibhaso, uyazi ukuba usezandleni ezilungileyo.
Unokucinga ngokuthenga i-inshurensi yobomi okanye ubomi kunye ne-inshurensi yokugula okubalulekileyo kunye ne-mortgage yakho. Olu khuselo luyilelwe ukunika ukhuseleko lwemali kwizinto ebezingalindelekanga. Abantu obathandayo baya kufumana isixa-mali sentlawulo xa uswelekile kwaye, ngokuxhomekeke kwi-inshorensi yakho, banokufumana intlawulo yesixa-mali ukuba ufunyaniswe unesigulo esinzima, esinokukunceda ekuhlawuleni imali yakho yokubambisa.
ekhaya mortgage wokubala
Uninzi okanye zonke izinikezelo kule ndawo zivela kwiinkampani apho abangaphakathi babuyekezwa (uluhlu olupheleleyo, bona apha). Iingqwalaselo zentengiso zinokuphembelela indlela kunye nalapho iimveliso zivela khona kule ndawo (kubandakanywa, umzekelo, ukulandelelana kwazo), kodwa azichaphazeli naziphi na izigqibo zokuhlela, ezifana nokuba zeziphi iimveliso esibhala ngazo kunye nendlela esizivavanya ngayo. I-Personal Finance Insider iphanda uluhlu olubanzi lweentengiso xa usenza iingcebiso; nangona kunjalo, asiqinisekisi ukuba ulwazi olunjalo lumele zonke iimveliso okanye unikezelo olukhoyo kwimarike.
I-Personal Finance Insider ibhala malunga neemveliso, izicwangciso, kunye neengcebiso zokukunceda wenze izigqibo ezifanelekileyo ngemali yakho. Sinokufumana ikhomishini encinci kumaqabane ethu, anje ngeAmerican Express, kodwa iingxelo zethu kunye neengcebiso zihlala zizimeleyo kwaye zinenjongo. Imigaqo isebenza kunikezelo oluvela kweli phepha. Funda izikhokelo zethu zokuhlela.
I-13% (ngokweNational Association of Realtors) ukumisela ubungakanani obuqhelekileyo bemali-mboleko. Idatha kaFreddie Mac yayisetyenziselwa ukufumana imilinganiselo ye-mortgage yeminyaka engama-30 kunye ne-15 yeminyaka emiselweyo yokuboleka imali kwikota yokuqala ka-2022: 3,82% kunye ne-3,04%, ngokulandelanayo.
