Ngaba ndingafumana imali-mboleko yeminyaka engama-35 kunye neminyaka engama-40?
Ngelizwi nje, i-mortgage ebuyayo yimali-mboleko. Umnini-ndlu oneminyaka engama-62 ubudala nangaphezulu kwaye unempahla ebalulekileyo yezindlu unokuthatha imali-mboleko yokuthenga indlu aze afumane imali kwisixa-mali, intlawulo emiselweyo yenyanga, okanye umgca wetyala. Ngokungafaniyo ne-term mortgages, esetyenziselwa ukuthenga ikhaya, ukubuyisela imali yokubolekwa kwemali ayifuni ukuba umninimzi enze nayiphi na intlawulo yemboleko.
Kunoko, yonke ibhalansi yemali mboleko, ukuya kumda, ifanele kwaye ihlawulwe xa umboleki efa, ehamba ngokusisigxina, okanye ethengisa ikhaya. Imimiselo ye-Federal ifuna ababolekisi ukuba bahlele ukuthengiselana ukuze isixa semali mboleko singadluli ixabiso lekhaya. Nokuba kunjalo, ngokuhla kwexabiso lemarike yendlu okanye ukuba lowo ubolekayo uhlala ixesha elide kunokuba ebelindelekile, lowo ubolekayo okanye ilifa lomboleki aliyi kuba noxanduva lokuhlawula umbolekisi umahluko ngenxa ye-inshurensi yokubambisa.
Iimali-mboleko ezibuyela umva zinokubonelela ngemali efuneka kakhulu kubantu abadala, abaxabiso labo libotshelelwa ikakhulu kwixabiso lendlu yabo: ixabiso lemarike yendlu yabo lithatyathwe isixa sayo nayiphi na imali-mboleko eseleyo. Nangona kunjalo, ezi mboleko zinokubiza kwaye zibe nzima, kwaye zixhomekeke kubuqhophololo. Eli nqaku liza kukufundisa indlela i-reverse mortgages esebenza ngayo kunye nendlela yokuzikhusela kwimigibe, ngoko unokwenza isigqibo esinolwazi malunga nokuba olu hlobo lwemali mboleko lunokulungela wena okanye othandekayo.
Ngaba ndingafumana imali-mboleko yeminyaka engama-30 kwiminyaka engama-55?
Inzala yemali-mboleko yeminyaka engama-25 ithande ukuba ngaphantsi kwe-30 yemali-mboleko yeminyaka engama-XNUMX, okuthetha ukuba unokonga imali, wonge ixesha ngokuhlawula indlu yakho kwakamsinya, kwaye uzigcinele uloyiko lohlengahlengiso lwenzala yakho. izinga lemali-mboleko.
I-MBA iqikelela ukuba i-30-year fixed-rate rate-mortgages iya kunyuka ngokuthe ngcembe kulo lonke i-2017, i-avareji ye-4,7% kwikota yesine ye-2017. Ngokufanayo, i-NAR ilindele ukuba i-30-year fixed rate inyuke malunga ne-4,6% ekupheleni kwe-2017. ngelixa i-25-year-mortgage rates iphantsi kakhulu, loo nto ayinakuba njalo kwiminyaka ezayo. Ukujonga uqikelelo lwengqikelelo ukuthelekisa izinga lakho lenzala yangoku kwindlela amaxabiso okubuyisela imali ajongeka ngayo ngoku nakwixesha elizayo elingekude yindlela elungileyo yokumisela ishedyuli yakho yokubuyisela imali.
Masithi ufuna imali-mboleko ye-160.000 yeedola kwaye ubeke phantsi intlawulo eyi-20%. Imali-mboleko oyithathileyo inenzala yesi-7 ekhulwini. Ngemali-mboleko yeminyaka engama-30 emiselweyo, intlawulo yakho yenyanga iya kuba yi-1.064,48 yeedola, kwaye kubomi bemali mboleko, uya kuhlawula inzala engama-223.217 yeedola, njengoko ubona ukuba iphindwe kabini imali mboleko yokuqala,
Ikhatyhuleyitha ye-Mortgage engaphezu kwama-55s
Igama elithi "i-mortgage" libhekisela kwimali-mboleko esetyenziselwa ukuthenga okanye ukugcina ikhaya, umhlaba, okanye ezinye iindidi ze-real estate. Umboleki uyavuma ukuhlawula umbolekisi ngexesha, ngokuqhelekileyo kuluhlu lweentlawulo eziqhelekileyo ezahlulwe zibe yinqununu kunye nenzala. Ipropati isebenza njengesibambiso ukukhusela imali-mboleko.
Umboleki kufuneka afake isicelo semali-mboleko ngokusebenzisa umbolekisi wakhe amkhethayo kwaye aqinisekise ukuba bayahlangabezana neemfuno ezininzi, ezinje ngamanqaku asezantsi etyala kunye neentlawulo eziphantsi. Izicelo ze- mortgage zihamba ngenkqubo engqongqo yokubhala phantsi ngaphambi kokuba zifike kwinqanaba lokuvala. Iindidi ze-mortgages ziyahluka ngokuxhomekeke kwiimfuno zomboleki, njengemali-mboleko eqhelekileyo kunye nemali mboleko emiselweyo.
Abantu kunye namashishini basebenzisa imali yokubambisa ukuze bathenge umhlaba ngaphandle kokuhlawula ixabiso elipheleleyo lokuthenga ngaphambili. Umboleki uyayihlawula imali-mboleko kunye nenzala kwinani elimiselweyo leminyaka ade abe ngumnini wepropati ngaphandle kwentlawulo. Iimali zokubambisa zikwabizwa ngokuba ziimali-mboleko ezichasene nepropati okanye amabango epropati. Ukuba umboleki uyasilela kwi-mortgage, umbolekisi unokuvala ipropati.
Umda wokuboleka imali weminyaka engama-35
Nje ukuba ufikelele kwiminyaka engama-50, iinketho zokubambisa ziqala ukutshintsha. Oku akuthethi ukuba akunakwenzeka ukuthenga ikhaya ukuba uneminyaka yobudala okanye ekufutshane nomhlalaphantsi, kodwa kuyafaneleka ukwazi ukuba ubudala bunokuchaphazela njani ukuboleka imali.
Nangona ababoneleli abaninzi bemali-mboleko bebeka imida yobudala ephezulu, oku kuya kuxhomekeka ekubeni usondela kubani na. Kwaye, kukho ababolekisi abaziingcali kwiimveliso eziphezulu zokubambisa, kwaye silapha ukukukhomba kwicala elifanelekileyo.
Esi sikhokelo siya kuchaza impembelelo yobudala kwizicelo zokubambisa, ukuba ukhetho lwakho lutshintsha njani ngokuhamba kwexesha, kunye nesishwankathelo seemveliso ezikhethekileyo zokubambisa imali yomhlalaphantsi. Izikhokelo zethu malunga nokukhutshwa kwemali eyinkunzi kunye neemali mboleko zobomi nazo ziyafumaneka ngolwazi oluthe vetshe.
Njengoko ukhula, uqala ukubeka umngcipheko omkhulu kubaboneleli bezindlu eziqhelekileyo, ngoko kunokuba nzima ukufumana imali mboleko kamva ebomini. Ngoba? Oku kuvamise ukuba kungenxa yokuhla komvuzo okanye imeko yempilo yakho, kwaye rhoqo zombini.
Emva kokuba urholile, awusayi kuphinda ufumane umvuzo wesiqhelo emsebenzini wakho. Nokuba unomhlalaphantsi oza kubuyela kuyo, kunokuba nzima kubabolekisi bazi kakuhle ukuba uza kurhola ntoni. Umvuzo wakho nawo usenokuhla, nto leyo enokuchaphazela ukukwazi kwakho ukuhlawula.
