Uqala nini ukuhlawula inqununu ngaphezu kwenzala?
I-mortgage yimali-mboleko yexesha elide eyenzelwe ukukunceda uthenge ikhaya. Ukongeza ekubuyiseleni imali eyinkunzi, kufuneka kwakhona uhlawule inzala kumbolekisi. Indlu nomhlaba oyijikelezileyo yenzelwa isibambiso. Kodwa ukuba ufuna ukuba nekhaya, kufuneka wazi ngaphezu kwezi zinto ziqhelekileyo. Le ngcamango iyasebenza nakwishishini, ngakumbi xa kuziwa kwiindleko ezizinzileyo kunye namanqaku okuvala.
Phantse wonke umntu othenga indlu unemali-mboleko. Amaxabiso ezindlu zokubolekwa kwezindlu ahlala ekhankanywa kwiindaba zangokuhlwa, kwaye intelekelelo malunga nemilinganiselo yesikhokelo iya kuhamba ibe yinxalenye yenkcubeko yezemali.
Imali yokubambisa yale mihla yavela ngo-1934, xa urhulumente-ukunceda ilizwe kwi-Great Depression - wadala inkqubo ye-mortgage eyanciphisa intlawulo efunekayo kwikhaya ngokwandisa imali abanokuba ngabanini-zindlu abanokuboleka. Ngaphambi koko, i-50% yentlawulo ephantsi yayifuneka.
Ngo-2022, i-20% yentlawulo ephantsi iyanqweneleka, ngakumbi ekubeni ukuba intlawulo ephantsi ingaphantsi kwe-20%, kufuneka uthathe i-inshurensi ye-mortgage yangasese (PMI), eyenza ukuba iintlawulo zakho zenyanga zibe phezulu. Noko ke, oko kunqwenelekayo akufuneki kufikeleleke. Kukho iinkqubo zokubambisa ezivumela iintlawulo eziphantsi kakhulu, kodwa ukuba ungayifumana loo 20%, kufuneka.
Ngaba iintlawulo zokubambisa ziyehla ngokuhamba kwexesha?
Kodwa kuthekani ngabanini-zindlu bexesha elide? Loo minyaka ye-30 yentlawulo yenzala inokuqala ukubonakala njengomthwalo, ngakumbi xa ithelekiswa neentlawulo kwiimali-mboleko zangoku kunye nenzala ephantsi.
Nangona kunjalo, nge-15 ye-refinance yeminyaka, unokufumana inzala ephantsi kunye nexesha elifutshane lemali-mboleko ukuze uhlawule imali-mboleko yakho ngokukhawuleza. Kodwa hlala ukhumbula ukuba ixesha elifutshane lokubambisa kwakho, liphezulu iintlawulo zenyanga.
Kwinqanaba lenzala ye-5% kwiminyaka esixhenxe kunye neenyanga ezine, iintlawulo zakho ze-mortgage eziqondiswe ngokutsha ziyalingana ne-135.000 yeedola. Akagcinanga nje inzala engama-59.000 yeedola, kodwa unogcino lwemali eyongezelelweyo emva kwexesha lemali-mboleko yeminyaka engama-30.
Enye yezona ndlela zilula zokwenza intlawulo eyongezelelweyo ngonyaka kukuhlawula isiqingatha sentlawulo yendlu yakho rhoqo emva kweeveki ezimbini endaweni yokuhlawula imali epheleleyo kanye ngenyanga. Oku kwaziwa ngokuba "ziintlawulo zeveki ezimbini."
Nangona kunjalo, awukwazi ukuqalisa ukwenza intlawulo rhoqo kwiiveki ezimbini. Umnikezeli-nkonzo wemali-mboleko unokubhideka kukufumana iintlawulo ezingaphelelanga nezingaqhelekanga. Thetha nomntu obolekisa ngemali yakho kuqala ukuze nivumelane ngesi sicwangciso.
Ngaba intlawulo yam yokubambisa iyakwehla emva kweminyaka emi-5?
Xa uthatha isigqibo phakathi kweemveliso ezithile, kunokuba lula ukuhamba nezona zidumileyo. Kodwa xa kuziwa ekukhetheni imveliso efanelekileyo yokubolekwa kwempahla kwiinjongo zakho, ukuhamba neyona ndlela idumileyo isenokungabi sesona sigqibo silungileyo.
Iimali mboleko zihlala zinexesha elithile lokuhlawula imali-mboleko. Oku kwaziwa njengexesha le-mortgage. Elona xesha liqhelekileyo lokuboleka imali eUnited States yiminyaka engama-30. I-mortgage yeminyaka engama-30 inika umboleki iminyaka engama-30 ukubuyisela imali mboleko yakhe.
Uninzi lwabantu abanolu hlobo lwe-mortgage aluyi kugcina imali mboleko yokuqala iminyaka engama-30. Enyanisweni, ixesha eliqhelekileyo lemali mboleko, okanye ubomi bayo obuqhelekileyo, bungaphantsi kweminyaka eyi-10. Oku akubangelwa kukuba aba baboleki bahlawula imali-mboleko ngexesha lerekhodi. Abanini bezindlu banokuthi bahlawule imali entsha yokubambisa okanye bathenge ikhaya elitsha ngaphambi kokuba ixesha liphele. Ngokutsho kweNational Association of REALTORS® (NAR), abathengi balindele kuphela ukuhlala kwikhaya abalithengayo umyinge weminyaka eli-15.
Ke kutheni le nto i-30 yeminyaka yokukhetha ilixesha eliphakathi kwi-mortgages e-United States? Ukuthandwa kwayo kunento yokwenza nezinto ezininzi ezahlukeneyo, ezifana nenzala ekhoyo ngoku yendlu-mboleko, intlawulo yenyanga, uhlobo lwendlu ethengwayo, okanye iinjongo zemali zomboleki.
Ingakanani inzala ehlawulwayo kwimali-mboleko yeminyaka engama-30?
Njengoko i-2020 inzala yemali-mboleko yase-US ibetha irekhodi ephantsi, intengiso yamakhaya yonyuka unyaka wonke. Idatha kaFreddie Mac ibonisa ukuba izinga lenzala kwi-30-year fixed mortgages, ngaphandle kweentlawulo kunye namanqaku, awela ngaphantsi kwe-3% ngoJulayi 2020 okokuqala kwirekhodi. Ngelixa lokuhla kwamaxabiso emali-mboleko, ngoNovemba ka-2020, intengiso yamakhaya amatsha nesele ikhona yayingama-20,8% kunye ne-25,8% ngaphezulu, ngokulandelelanayo, kunonyaka ongaphambili, ngokwedatha yeBureau Census. kunye noMbutho weSizwe weeRealtors.
Inkqubo yentlawulo yokubambisa yaziwa ngokuba yi-amortization. I-mortgages ye-fixed-rate inentlawulo yenyanga efanayo kubo bonke ubomi bemali-mboleko, nangona isixa-mali esihlawulwe kwinqununu kunye nenzala etshintshileyo kuba iintlawulo zenzala zibalwa ngokusekelwe kwibhalansi eseleyo ye-mortgage. Ke ngoko, umyinge wentlawulo yenyanga nganye uyatshintsha ukusuka kwinzala ukuya ekubeni yinqununu kuyo yonke imali-mboleko. Apha ngezantsi kukho ukucazululwa kweshedyuli yokuhlawula imali mboleko ye-$ 30 yeminyaka engama-200.000 ye-mortgage esisigxina kwi-4% ye-APR.
