Ubude obuqhelekileyo be-mortgage uk
Xa uthenga okanye uhlaziya ikhaya, esinye sezigqibo ezibalulekileyo ekufuneka uzenze kukuba ufuna ukubolekwa imali yeminyaka eli-15 okanye engama-30. Nangona zombini iinketho zibonelela ngentlawulo yenyanga emiselweyo kwithuba leminyaka emininzi, kukho umahluko omkhulu phakathi kwezi zimbini kunexesha eliza kulithatha ukuhlawula ikhaya lakho.
Kodwa yeyiphi eyona ifanelekileyo kuwe? Makhe sijonge kwizinto ezilungileyo kunye nezibi zobude bemali-mboleko ukuze ukwazi ukubona ukuba loluphi ukhetho olufanele uhlahlo lwabiwo-mali lwakho kunye neenjongo zemali ngokubanzi.
Umahluko omkhulu phakathi kwe-mortgage ye-15 yeminyaka kunye ne-30 ye-mortgage yeminyaka ubude bayo nganye. I-mortgage yeminyaka eyi-15 ikunika iminyaka eyi-15 ukuba uhlawule yonke imali oyibolekile ukuthenga ikhaya lakho, ngelixa i-mortgage yeminyaka engama-30 ikunika kabini ixesha elide lokuhlawula imali efanayo.
Zombini iminyaka eyi-15 kunye neminyaka engama-30 yokubolekwa kwezindlu ngokwesiqhelo yacwangciswa njengemali-mboleko enexabiso elimiselweyo, nto leyo ethetha ukuba izinga lenzala limiselwa ekuqaleni, xa uthatha imali-mboleko yokubambisa, kwaye kwaloo nzala ifanayo iyagcinwa kulo lonke ixesha. imali-mboleko. Kwakhona udla ngokuba nentlawulo yenyanga efanayo kulo lonke ixesha le-mortgage.
Iminyaka engama-40 ye-mortgage yase-UK
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.
Iindidi ze-40-year-mortgages
Ixesha le-mortgage ubude bekhontrakthi yakho yokubambisa. Oku kubandakanya yonke into emiselwa yimvumelwano yokuboleka imali, kuquka nenzala. Amagama anokususela kwiinyanga ezimbalwa ukuya kwiminyaka emihlanu nangaphezulu.
Ekupheleni kwekota nganye, kufuneka uhlaziye imali yakho yokubambisa. Unokufuna izavenge ezininzi ukuhlawula imali-mboleko yakho ngokupheleleyo. Ukuba uhlawula ibhalansi yemali mboleko yakho ekupheleni kwexesha, akukho mfuneko yokuba uyihlaziye.
Ukubonakaliswa okubonakalayo kwe-300.000 ye-mortgage kunye ne-5-year term kunye ne-25-year amortization. Isixa se-mortgage siyancipha ukusuka kwiminyaka 1 ukuya kwi-25 njengoko iintlawulo zenziwe. Iminyaka 1 ukuya ku-5 imele igama. Iminyaka yoku-1 ukuya kwengama-25 imele i-amortization.
I-convertible term mortgage ithetha ukuba ezinye iimali-mboleko zexesha elifutshane zinokunyuselwa kwixesha elide. Nje ukuba i-mortgage iguqulwe okanye yandisiwe, izinga lenzala liyatshintsha. Ngokwesiqhelo, inzala entsha iya kuba yileyo inikwa ngumbolekisi elona xesha lide.
Ixesha lemali-mboleko yakho limisela izinga lenzala kunye nesantya senzala kwixesha elithile. Imali-mboleko yakho ingaba nenzala emiselweyo okanye eguquguqukayo. Inzala emiselweyo iyafana kwikota yonke. Inzala eguquguqukayo inokutshintsha ngexesha lekota.
Iminyaka engama-40 yokubala i-mortgage
Owu, kwiminyaka engama-50 eyadlulayo. Yayingamanye amaxesha lawo, akunjalo? Abantu bebengekafiki enyangeni, iiBeatles bezithe phithi ngumculo, igaloni yerhasi ibiyi 25 cents, abantu bebefowuna bemile ngaphandle kokuba banentambo ende nyani.
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.
