Kwenzeka ntoni xa ugqiba ukuhlawula i-mortgage yakho uk
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.
Ukuba ubeka phantsi amakhulu ambalwa eedola ngenyanga kwi-mortgage yakho, unokuba nekhaya lakho kwiminyaka engaphambili. Kodwa nokuba awunamali ingako eyongezelelweyo nyanga nganye, ungagqiba ekubeni ubeke phantsi i-$50 okanye i-100 yeedola kwiintlawulo zakho.
ULaura Grace Tarpley ngumhleli wophononongo lwezemali zobuqu kwi-Insider. Uhlela amanqaku amalunga namazinga emali mboleko, amaxabiso okubuyisela imali, ababolekisi, iiakhawunti zebhanki, kunye neengcebiso zokuboleka kunye nokonga kwiMali yoBuqu. Ukwayi-Certified Educator in Personal Finance (CEPF).
Izibonelelo zendlu ehlawulelwayo
Ukususela kumzuzu abaninimzi batyikitya ngawo imali-mboleko, badla ngokukhangela phambili kumhla abaya kuwuhlawula ngawo. Nanjengoko kusenokuhenda ukonga kwintlawulo yenzala kwaye uhlawule imali-mboleko yakho kwangoko, kubalulekile ukujonga impilo yakho yezemali ukunqanda ukuba sisityebi sekhaya kunye nokuhlwempuzeka kwemali.
Ukuhlawula i-mortgage akukho nzima, kodwa akulula njengokungena kwi-akhawunti yakho kunye nokuhlawula imali eseleyo. Iinkampani zetayitile zifuna isiteyitimenti sentlawulo, esihlala sibizwa ngokuba yileta yokuhlawula, evela kumbolekisi ngaphambi kokudlulisela isenzo egameni lakho. Isiteyitimenti sentlawulo yokubambisa luxwebhu olubonisa kanye ukuba yimalini na efunekayo ukuhlawula ityala lakho. Ngokuxhomekeke kwiimeko oye wahlawula imali yakho yokubambisa, inkqubo inokuthatha iintsuku ezininzi.
Ukuba uxhasa ngemali okanye uthengisa ikhaya lakho, umntu wesithathu (odla ngokuba yinkampani enetayitile) uya kucela intlawulo. Inkqubo ithatha ubuncinane iiyure ezingama-48 xa kufikwa kumntu wesithathu kuba kukho amanyathelo amaninzi okuba umbolekisi alawule intlawulo ngenkampani yetayitile. Kubathengi be-Rocket Mortgage, inkampani yesihloko ifowunela inkqubo yethu yefowuni icela ingxelo yentlawulo ebhaliweyo.
Ngawaphi amaxwebhu endiwafumanayo emva kokuhlawula imali mboleko?
Ukuba ufumene isixa-mali obungasilindelanga okanye wonge isambuku esikhulu kule minyaka idlulileyo, kusenokukulinga ukuhlawula imali-mboleko yakho yendlu phambi kwexesha. Enoba ukuhlawula imali-mboleko yendlu kwangethuba kusisigqibo esihle okanye akunjalo kuxhomekeke kwiimeko zemali zomboleki-mali, inzala yemali-mboleko, nokuba ukufutshane kangakanani na kumhlala-phantsi.
Kufuneka kwakhona uthathele ingqalelo ukuba eso sixa semali sityaliwe endaweni yokuhlawula i-mortgage. Eli nqaku liphonononga ixabiso lenzala elinokuthi ligcinwe ngokuhlawula imali-mboleko iminyaka elishumi phambi kweshedyuli ngokuchasene nokutyala imali kwimarike, ngokusekelwe kwiimbuyekezo ezahlukeneyo zotyalo-mali.
Ngokomzekelo, kwintlawulo yenyanga yeedola ezili-1.000 300, iidola ezingama-700 zinokusetyenziselwa inzala kunye needola ezingama-XNUMX zokunciphisa ibhalansi eyintloko yemali-mboleko. Inzala kwimali-mboleko yemali-mboleko inokwahluka ngokuxhomekeke kwizinga lenzala kuqoqosho kunye nokufaneleka komboleki.
Ishedyuli yentlawulo yemali-mboleko kwithuba leminyaka engama-30 ibizwa ngokuba yishedyuli ye-amortization. Kwiminyaka yokuqala, iintlawulo kwi-fixed-rate-mortgage loan zenziwa ngokuyinhloko kwinzala. Kwiminyaka yakutshanje, inxalenye enkulu yentlawulo yemali-mboleko isetyenziswe ekunciphiseni inqununu.
Ngaba itayitile yepropati ifunyenwe emva kokuhlawula imali-mboleko?
Uthathe umtsi kwaye wagqiba ukuthenga indlu. Emva kokusayina intaba yamaphepha, ngoku ungumnini ozingcayo wendawo yakho yokuhlala. Kwiintsuku ezingamashumi amathathu kamva, xa kufuneka intlawulo yokuqala yemali-mboleko, inyaniso yento ayenzileyo ibethelwa ebusweni bakhe. Uthathe iintlawulo ezinkulu iminyaka engama-30, kuqoqosho olungathembisi uzinzo lwexesha elide. Musa ukuphaphazela.
Esona sizathu sokuqala nesona sicacileyo sokuhlawula imali-mboleko yakho ngokukhawuleza kukuba iya kukugcinela amashumi amawaka eedola. Funda amaphepha owatyikityayo xa ubuthenga ikhaya kwaye ujonge ngakumbi ishedyuli yakho yokuhlawula. Iinkampani zokubolekwa kwezindlu zixela kwangaphambili ukuba uya kuhlawula ngaphezulu kwexabiso eliphindwe kabini lexabiso lokuthenga ikhaya ngaphambi kokuba ube ngumnini walo.
Isizathu sesibini luxolo lwengqondo olufumaneka ngokuba nekhaya. Ngexabiso elisezantsi lenyanga elifunekayo, ithemba lokungaqeshwa okanye ukungaqeshwa akuseyonto inzima kangako. Ngoku unokukwazi ukuthatha umsebenzi ohlawula ngaphantsi kakhulu kunesikhundla sakho sangaphambili, ngaphandle kokukhathazeka ngokulahlekelwa likhaya lakho.
