Mingaphi iminyaka yokuhlawula imali mboleko?

Ikhatyhuleyitha yexesha le-mortgage amortization kunye neentlawulo ezongezelelweyo

Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala nongakhethi cala, 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.

i-mortgage calculator

I-mortgage isoloko iyimfuneko ekuthengeni ikhaya, kodwa kunokuba nzima ukuqonda ukuba uhlawula ntoni kwaye yintoni onokukwazi ukuyihlawula. I-calculator ye-mortgage calculator inokunceda ababoleki baqikelele intlawulo ye-mortgage yenyanga ngokusekelwe kwixabiso lokuthenga, intlawulo ephantsi, izinga lenzala, kunye nezinye iindleko zenyanga zomninimzi.

1. Faka ixabiso lendlu kunye nesixa sentlawulo yokuqala. Qala ngokongeza ixabiso elipheleleyo lokuthenga ikhaya ofuna ukulithenga kwicala lasekhohlo lesikrini. Ukuba awunayo indlu ethile engqondweni, unokuzama ngalo mzobo ukuze ubone ukuba yimalini na indlu onokufikelela kuyo. Ngokufanayo, ukuba ucinga ngokwenza umnikelo kwindlu, le calculator inokukunceda ukuba ubone ukuba unganikezela kangakanani. Emva koko, yongeza intlawulo ephantsi olindele ukuyenza, mhlawumbi njengepesenti yexabiso lokuthenga okanye njengexabiso elithile.

2. Faka inzala. Ukuba sele ukhangele imali-mboleko kwaye unikwe uthotho lwenzala, faka enye yaloo maxabiso kwibhokisi yenzala esekhohlo. Ukuba awukayifumani inzala okwangoku, ungafaka umndilili wangoku wemali yemali-mboleko njengesiqalo.

Iminyaka engama-30 ye-mortgage yase-UK

Umyinge wexesha lokubuyisela imali kwi-mortgage yiminyaka engama-25. Nangona kunjalo, ngokophononongo olwenziwe yi-mortgage broker L&C Mortgages, inani labathengi bokuqala bemali-mboleko yeminyaka engama-31 ukuya kwengama-35 liphindeke kabini phakathi kuka-2005 no-2015.

Masithi uthenga ipropathi eyi-£250.000 ngexabiso le-3% kwaye unediphozithi engama-30%. Ukuboleka i-£175.000 kwiminyaka engama-25 kuya kukubiza i-£830 ngenyanga. Ukuba iminyaka emihlanu yongezwa, intlawulo yenyanga iyancitshiswa ibe yi-738 pounds, ngelixa i-35-year mortgage ibiza kuphela i-673 pounds ngenyanga. Leyo yi-1.104 yeponti okanye i-1.884 yeponti ngaphantsi ngonyaka.

Nangona kunjalo, kufanelekile ukujonga isivumelwano semali mboleko ukuze ubone ukuba ungahlawula ngaphezulu na. Ukukwazi ukuyenza ngaphandle kwezohlwayo kukunika ukuguquguquka ngakumbi ukuba unonyuso okanye umoya wemali. Unako kwakhona ukuhlawula isixa sekhontrakthi ukuba amaxesha aba nzima.

Kufanelekile ukucinga ngako, njengoko nayiphi na imali eyongezelelweyo oyifaka kwi-mortgage yakho ngaphezu kwesixa-mali esiqhelekileyo senyanga siya kufinyeza ubude bemali-mboleko, okonga inzala eyongezelelweyo kubomi bemali-mboleko.

Umda wokuboleka imali weminyaka engama-35

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, intlawulo ephantsi ye-20% iyanqweneleka, ngakumbi ekubeni ukuba intlawulo ephantsi ingaphantsi kwe-20%, kuyimfuneko ukuthatha i-inshurensi ye-mortgage yangasese (PMI), eyenza ukuba iintlawulo zenyanga zibe phezulu. Noko ke, oko kunqwenelekayo akufuneki kufikeleleke. Kukho iinkqubo zokubambisa ezivumela iintlawulo eziphantsi kakhulu, kodwa ukuba ungayifumana loo 20%, kufuneka.