Mingaphi iminyaka indlu inokuboleka?

Ngaba i-40 yeminyaka yokubambisa ingcamango elungileyo?

Eli nqaku lidinga izicatshulwa ezongezelelweyo zokuqinisekisa. Nceda uncede ukuphucula eli nqaku ngokongeza izicatshulwa ezivela kwimithombo ethembekileyo. Izinto ezingasebenziyo zinokucelwa umngeni kwaye zisuswe. Fumana imithombo: "Imali-mboleko yeKhaya" - Iindaba - Amaphephandaba - Iincwadi - Isifundiswa - JSTOR (Epreli 2020) (Funda ukuba ungasisusa njani kwaye nini esi sithuba kwithempleyithi)

Ababoleki-mali-mboleko basenokuba ngabantu ababambisa amakhaya abo okanye banokuba ziinkampani ezibambisa ngepropathi yorhwebo (umzekelo, iindawo zabo zoshishino, iindawo zokuhlala ezirentwayo, okanye ipotifoliyo yotyalo-mali). Umbolekisi udla ngokuba liziko lemali, elifana nebhanki, umanyano lwamatyala okanye inkampani yokubambisa, ngokuxhomekeke kwilizwe ekuthethwa ngalo, kwaye izivumelwano zemali-mboleko zingenziwa ngokuthe ngqo okanye ngokungathanga ngqo ngokusebenzisa abameli. Iimpawu zeemali-mboleko, ezifana nemali-mboleko, ukuvuthwa kwemboleko, izinga lenzala, indlela yokubuyisela imali mboleko kunye nezinye iimpawu, zinokuhluka kakhulu. Amalungelo omboleki kwipropati ekhuselweyo athatha indawo yokuqala ngaphezu kwabanye abatyalwayo bomboleki, nto leyo ethetha ukuba ukuba umboleki uyatshona okanye akatshoni, abanye abatyalwayo baya kufumana kuphela imbuyekezo yamatyala abanawo ngokuthengisa ipropati. ihlawulwa ngokupheleleyo kuqala.

Iminyaka engama-40 yokubambisa

Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.

Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.

Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.

Iminyaka engama-40 yokubala i-mortgage

Owu, kwiminyaka engama-50 eyadlulayo. Yayingamanye amaxesha lawo, akunjalo? Abantu bebengekafiki nasenyangeni, iiBeatles bezithe phithi ngumculo, igaloni yerhasi ibiyi 25 cents, abantu bebefowuna bemile ngaphandle kokuba banentambo ende kakhulu.

Imali-mboleko yeminyaka engama-50 (dlala umculo oyoyikekayo, iindudumo, kunye nezikhalo ezivela kwindlu ene-haunted) yimali-mboleko yendlu enezinga elimiselweyo kunye neentlawulo eziphantsi zenyanga ezibuyiswayo kwiminyaka engama-50. Oko kukuthi, iinyanga ezingama-600! Yinto enkulu yokubambisa, i-Moby Dick yokuboleka, kunye ne-mortgage eqinisekisa ukuba uya kuba sematyaleni ubomi bakho bonke obudala.

Njengokuthuthunjiswa ngamanzi aseTshayina, imali-mboleko yeminyaka engama-50 yindlela ende kakhulu kwaye ecothayo yokuhlawula indlu yakho. Imali-mboleko yeminyaka engama-50 yaqala ukufika kuMazantsi eCalifornia, apho amakhaya ayesiya ebiza kakhulu kwaye abantu babekhangela iindlela zokuyila zokuthoba intlawulo yokubambisa ngenyanga.

Njengeepremiyamu zayo kwiminyaka eyi-15 kunye neminyaka engama-30 yokubambisa, i-mortgage yeminyaka engama-50 yintlawulo yemali-mboleko emiselweyo, oku kuthetha ukuba izinga lenzala lihlala lifana kubomi (obude) bemali mboleko. Uya kuhlawula zombini inqununu kunye nenzala nyanga nganye kwaye… ukuba usaphila ekupheleni kweminyaka engama-50 yemali-mboleko, uya kuba nekhaya ngokusesikweni.

Iindidi ze-40-year-mortgages

Ukukhetha i-mortgage yinxalenye ebalulekileyo yenkqubo yokuthenga ikhaya. Ukukhetha imali-mboleko yeminyaka eli-15 endaweni yekota yeminyaka engama-30 ivakala njengentshukumo ekrelekrele, akunjalo? Akunjalo. Ukukhetha ixesha elifutshane lokubambisa kunenzuzo ethile yokonga inzala. Nangona kunjalo, ukuba umvuzo wakho uphantsi kakhulu kwixesha le-15 leminyaka, imali-mboleko yeminyaka engama-30 iya kuba nexabiso eliphantsi ngenyanga. Ukuba awuqinisekanga malunga nokuba loluphi uhlobo lwemali mboleko oza kuyikhetha, jonga apha ngezantsi ukuze ufumanise ukuba yeyiphi ekulungeleyo.

Umahluko ophambili phakathi kweminyaka eyi-15 kunye ne-30 yeminyaka yokuboleka imali kukuba iintlawulo kunye nenzala ziqokelelwa njani. Ngemali-mboleko yeminyaka eli-15, iintlawulo zakho zenyanga ziphezulu, kodwa uya kuhlawula ngaphantsi kwenzala iyonke. Ngemali-mboleko yeminyaka engama-30, okuchaseneyo kudla ngokuba njalo. Uya kugqiba ukuhlawula ngaphezulu kwendlu yakho ngenxa yenzala. Kodwa iintlawulo zokubambisa zihlala ziphantsi.

Xa uzama ukwenza isigqibo malunga nexesha le-mortgage, cinga malunga neyona nto ilungele uhlahlo lwabiwo-mali lwakho. Zama ukulinganisa iindleko zizonke. Umzekelo, masithi ufuna ukuboleka i-150.000 yeedola ukuze uthenge indlu. Unokukhetha phakathi kwe-15-year-mortgage rate kwi-4,00% okanye i-30 ye-mortgage rate kwi-4,50%. Kwisicwangciso seminyaka eyi-15, intlawulo yakho iya kuba malunga ne-1.110 yeedola ngenyanga, ingabandakanyi i-inshurensi kunye neerhafu. Uya kugqiba ukuhlawula kufutshane ne-50.000 yeedola kwinzala kubomi bemali-mboleko.