Iyini inkokhelo ye-mortgage engu-$130.000
Ukuqonda izindleko zangempela zemali mboleko yendlu kubaluleke kakhulu ngoba abantu baseMelika abaningi abanayo imali eyanele yokuthatha umhlalaphansi. Ngakho-ke, ukukhokha imali-mboleko - ingqopha-mlando ebalulekile - kubalulekile ekufuneni inhlalakahle yezezimali kukho konke ukuphila.
Sicela uqaphele ukuthi imiphumela yakho yesibali se-mortgage ngeke ihlanganise umshwalense noma i-escrow yezintela. Ngakho-ke qiniseka ukuthi unalezo zibalo esandleni ukuze uzingeze enkokhelweni yakho yendlunkulu futhi zikusize unqume ukuthi ungakwazi yini ukusheshisa izinkokhelo.
Umphumela uzokunikeza izindleko zakho ezintsha zanyanga zonke, ezihlanganisa inkokhelo yakho ehleliwe kanye nenkokhelo eyinhloko eyengeziwe, kanye nengqikithi yokonga kwakho, noma inani ongalilondoloza ngenzalo uma ushintshela ezinkokhelweni ezisheshayo.
Kungase kudingeke ukuthi ukhokhe inhlawulo yokukhokha kusengaphambili uma ukhokha imali mboleko yakho phakathi neminyaka embalwa yokuqala yokuphila kwesikweletu. Leso samba singaba sikhulu - ngokuvamile sibe ngu-2% yenani lemali ebolekiwe - futhi singathonya izibalo zakho zokukhokha kusengaphambili.
Uma uthola i-windfall futhi ulingeka ukuba ukhokhe imali yakho yendlu, ungase ube ngcono ngokutshala imali futhi unamathele ohlelweni lwakho lokubuyisela njalo. Kodwa-ke, uma ukhetha ukuthula kwengqondo kokuqeda isikweletu, le nkululeko ingadlula izinzuzo ezingaba khona zokutshalwa kwezimali.
Comprehensive mortgage wokubala
Inkokhelo yakho yendlu mboleko yendlu engu-$391.000 izoba ngu-$2.597. Lokhu kusekelwe enanini lenzalo engu-5% kanye nenkokhelo ephansi engu-10% ($39.100). Lokhu kuhlanganisa izintela zezakhiwo, umshwalense wezingozi, namaphrimiyamu omshwalense wezindlu.
Amabhange nabadayisi bezindlu benza imali eyengeziwe uma uthenga indlu ebiza kakhulu. Ezimweni eziningi, amabhange agunyaza kusengaphambili okuningi ongakukhokha. Okokuqala, ngaphambi kokuthi uqale ukuvakashela izindlu, isabelomali sakho sizokwelulwa.
Qiniseka ukuthi uqhathanisa inzalo yemali mboleko ngaphambi kokufaka isicelo semali mboleko yendlu. Ukuqhathanisa ababolekisi aba-3 kungakongela izinkulungwane zamaRandi eminyakeni embalwa yokuqala yemalimboleko yakho. Ungakwazi ukuqhathanisa ngokungaziwa amanani emali mboleko ku-Bundle
Ungabuka izilinganiso zenzalo ye-mortgage yamanje noma ubone ukuthi izilinganiso zenzalo ye-mortgage zishintshe kanjani eminyakeni yakamuva ku-Bundle. Siqapha amanani emali ebolekiwe, izitayela, kanye nesaphulelo semikhiqizo yeminyaka engu-15 kanye neminyaka engama-30 nsuku zonke.
Inqwaba izinikele ekugcineni ubumfihlo bakho. Ngeke sabelane ngemininingwane yakho yokuxhumana namabhange. I-Bundle Marketplace Inc. iwumthengisi onelayisense we-mortgage broker (NMLS# 1927373) futhi isekela amathuba alinganayo ezindlu.
Ngingakwazi ukuthenga indlu engu-130.000 euros?
Ngokuthumela leli fomu, ngivumela i-American Financing ukuthi ingithinte, okuhlanganisa nokusebenzisa isidayeli esizenzakalelayo, izwi, noma umbhalo, enombolweni ebhalwe ngenhla, ngisho noma inombolo yami yocingo ivela kunoma iluphi uhlu oluthi "Ungashayi". Ngingakwazi futhi ukukhetha usuku nesikhathi esingifanela kakhulu. Ngiyaqonda ukuthi akudingekile ukuba ngivume ukuthola amakholi anjalo noma imilayezo yombhalo ukuze ngithenge izimpahla noma amasevisi kwa-American Financing. Ngiyaqonda futhi ukuthi i-American Financing ayabelani ngemininingwane yami yokuxhumana nezinkampani eziphethwe noma izinkampani zangaphandle.
Ingabe usuzicabangile izinzuzo zokukhokha imali yakho yendlu ngokushesha? Esinye sezizathu ezidume kakhulu abantu abanquma ukwenza lokhu ukugcina izinkulungwane zamaRandi ngenzalo phakathi nempilo yemali mboleko. Kodwa-ke, ukukhokha imalimboleko kusenesikhathi akuyona inketho engcono kakhulu kuwo wonke umuntu.
Izinhlelo ezidumile ezifana ne-FIRE Movement zikhuthaza abasha nabadala ukuthi bakhokhe izikweletu, bafune ukuzimela ngokwezimali futhi bathathe umhlalaphansi kusenesikhathi. Kodwa kungakhathaliseki ukuthi uzimisele ngani, kunemininingwane ethile ebalulekile okufanele uyicabangele ngaphambi kokwenza isinqumo sokukhokha imali yakho yokubolekwa kwempahla izinyanga noma iminyaka ngaphambi kwesikhathi.
$470 inkokhelo ye-mortgage
Lokhu kubala inkokhelo yanyanga zonke emalini ebolekiwe engu-$130.000 ngokusekelwe enanini lemali mboleko, izinga lenzalo, nobude bemalimboleko. Ithatha imali ebolekiwe enenani elimisiwe, esikhundleni sokuguquguquka, ibhaluni, noma i-ARM. Susa inkokhelo ephansi ukuze uthole inani lemalimboleko.
Iyini inkokhelo yanyanga zonke yemalimboleko engu-$130.000? Malini? Ayini amanani enzalo? Isibali singasetshenziswa ukubala ukukhokhwa kwanoma yiluphi uhlobo lwemalimboleko, njengezindlu ezithengiswayo, imoto nemoto, isithuthuthu, indlu, ukuhlanganiswa kwezikweletu, ukuhlanganiswa kwezikweletu zekhadi lesikweletu, imali mboleko yabafundi noma imali mboleko yebhizinisi. Futhi khumbula ukuhlanganisa ezinye izindleko zekhaya ezinjengomshwalense, izintela, i-PMI kanye nezindleko zokunakekela okuvamile.
