Iingenelelo kunye neziNzuzo zeMali-mboleko yeeMali
Imirhumo yee-mortgages (ARMs) zilungelelaniso lwasekhaya kunye nereyithi eyahluka . Njengoko ixabiso lentengo liphakama kwaye liwela ngokuqhelekileyo, ireyiti elandelelanayo ilandelwa. Ezi zinokuba yimali-mboleko encedisayo yokungena ekhaya, kodwa nayo iyingozi. Eli phepha lijongene neziseko ze-mortgage rate eguqukayo.
Umlinganiselo
Imilinganiselo ye-mortgages iyingqayizivele iyingqayizivele ngenxa yokuba inzala yemali kwi-mortgage iguqule ixabiso lentengo kwimarike.
Oku kubalulekile kuba inani lokuhlawulwa kwemali lihlawulwe (inxalenye) ngenani lentengo kwimboleko. Njengoko inzala yenzalo iphakanyiswa, intlawulo yenyanga yenyuka. Ngokufanayo, iintlawulo ziwela njengoko inzala yenzalo iyawa.
Isilinganiso kwi-rate rate ye-mortgage yakho isetyenziswe kwikhompyutheni ethile. Amanqaku agqithisekayo amanqanaba e-mortgages anamathele kwi-LIBOR, iNtloko-mali , iNkcitho ye-Fund Index, okanye enye inkcazo. Isalathisi sakho sokusebenzisa imali yinto yobugcisa, kodwa inokuchaphazela indlela ukutshintsha kweentlawulo zakho. Buza umnini-mboleko wakho ukuba kutheni banikeze ixabiso lokuguqula imali esekelwe kwi-index.
Ixabiso lokuHlawuleka kweziMali
Isizathu esona sizathu sokuqwalasela umyinge we-mortgages ukuba ungagqiba ngeenyanga eziphantsi ntlawulo. Ibhanki (ngokuqhelekileyo) inokuvuza ngokulinganisa okuphantsi kokuqala ukuba uthatha umngcipheko wokuba amazinga enzala angakhula kwikamva. Qhathanisa imeko kunye nomyinge wokuhlala , apho ibhanki ithatha umngcipheko.
Khawucinge ngoko kwenzeka ntoni ukuba ixabiso liphakama: ibhanki ibambelela ukunyusa imali kwizinga elingezantsi-ntengiso xa unomyinge ongezantsi. Ngakolunye uhlangothi, ukuba amaxabiso awela, uya kulungiswa kwaye ufumane izinga elingcono.
Izibango zeMali-mboleko yeMali
Hayi, ayikho isidlo sasemini. Ngelixa unokuzuza kwinkokhelo ephantsi , usenomngcipheko wokuba amaxabiso aya kuphakama kuwe.
Ukuba oko kwenzeka, inkokhelo yakho yenyanga iyakwandisa kakhulu. Into eyayibe yintlawulo enokuhlawulekayo ingaba ngumthwalo omkhulu xa unomlinganiselo wokuhlawula imali. Intlawulo ingafikelela phezulu kangangokuthi kufuneka ulungelelwe ityala.
Ukulawula i-Mortgages Rate rate
Ukulawula imingcipheko, uya kufuna ukukhetha uhlobo olulungileyo lwe-mortgage rate rate. Indlela efanelekileyo yokulawula umngcipheko kukubolekisa ngemingcele kunye ne "caps". Iipops zibeka umda malunga nokuba ingakanani imali ehlawulwayo yokuthenga imali ingatshintshwa.
Unokuba neefowuni kwisantya somdla esetyenzisiweyo kwimali mboleko yakho, okanye unokuba ne-cap kwixabiso leedola yenkokhelo yakho yenyanga. Ekugqibeleni, umboleko wakho ungafaka inani eliqinisekileyo leminyaka kufuneka lidlule phambi kokuba uhlawule luqale ukulungiswa - kwiminyaka emihlanu yokuqala, umzekelo. Ezi zithintelo zisusa ezinye zeengozi zokuguqulwa kweekhredithi zemali , kodwa zinokudala iingxaki ezithile.
Ngoku uhamba ngokukhawuleza malunga nendlela i-ARM yokusebenzela ngayo imali. Makhe sijonge ukuba ngamanye amaxesha asebenzanga njani. Qaphela ukuba i-ARM Mortgage iyigqithiseleyo - i-"M" yinto yokuthenga imali - kodwa siya kusebenzisa eli gama kulo lonke leli phepha ukuze siqhelanise.
I-ARM i-mortgage caps inokusebenza ngeendlela ezahlukeneyo. Kukho ii-caps zexesha kunye neefowuni zokuphila. Ikhutshana lexesha elikhawuleza lithintela kangakanani izinga lakho lingashintsha ngexesha lokunikezelwa - njengonyaka owodwa.
Iifowuni zokuphila zinciphisa ukuba ingaba i-ARM yakho yesilinganiso semali yokuthenga imali ingatshintsha njani ubomi bobolekiweyo.
ARM Exemployment Mortgage
Cinga ukuba unesithungu sexesha eli-1% ngonyaka. Ukuba amaxabiso aphakama ngama-3% ngaloo nyaka, ireyiti yakho yokubolekwa kwe-ARM iya kuphakama kuphela i-1% ngenxa yekotwe. Iifowuni zokuphila zifana. Ukuba unesigxina se-5%, inzala yemali mboleko ayiyi kulungelelanisa ngaphezulu kwe-5%.
Hlalani nikhumbule ukuba izinga lomyinge litshintshile ngaphezu kwekhefu lexesha elinokuthi lithwale ngaphaya komnyaka. Khawuqwalasele umzekelo ongentla apho ireyiti yemingeni iphakama ngama-3% kodwa i-ARM yakho yekhredithi ye-mortgage igcine isamba semali mboleko kwi-1% yanda. Ukuba ixabiso lentengo lihlala lithethile kunyaka ozayo, kungenzeka ukuba i-ARM yakho yesantya yemali iya kuphakama enye i-1% nantoni naxa-kuba usenayo "inkokhelo" emva kwesikhokhelo sangaphambili.
Kukho iintlobo ezahlukeneyo ze-ARM zokukhangela iimfesane ezikhoyo. Umzekelo, unokufumana oku kulandelayo:
- 10/1 I-ARM Mortgage - isantya sigqityiwe iminyaka eyi-10, ibuye iguqule unyaka ngamnye (ukuya kwikh, ukuba ikhona)
- 7/1 I-ARM Mortgage - izinga liye lucwangciswa iminyaka engama-7, kwaye iguqulela unyaka wonke (ukuya kwikh, ukuba ikhona)
- Iminyaka eyi-1 ye-ARM Mortgage - isantya sigqityiwe kunyaka omnye kwaye iguqule rhoqo ngonyaka ukuya kwiphina
Akukho onke amaCape afakwe ngokulinganayo
Qaphela ukuba ii-caps ziyakwazi ukuhlukana nobomi bemboleko yakho. Ulungelelaniso lokuqala lungaphezulu kwama-5%, ngelixa iinguqulelo ezilandelayo zingabanjwa kwi-1%.
Ukuba ngaba kunjalo kwi-mortgage ye-ARM oyiqwalaselayo, lungele ulungelelaniso lwangaphandle kwiintlawulo zakho zenyanga xa uqala ukulungiswa kwakhona.
Izibonda zeCaps
Nangona iinqwelo kunye nezithintelo zingakukhusela, zinokubangela iingxaki ezithile. Ngokomzekelo, i-ARM yakho yokuthenga imali ingaba nomda wendlela ekuhlawulwa ngayo intlawulo nganye ngenyanga-kungakhathaliseki ukuba kukho ukunyuka kwamaxabiso. Ukuba amaxabiso aphezulu kangangokuthi uthatha umda ophezulu (dollar) kwiintlawulo zakho, awukwazi ukuhlawula yonke into enomdla oyenayo ngenyanga. Xa oko kwenzeka, ungena kwimpazamo engalunganga- ukubeka ibhalansi yakho yemali mboleko ngokunyuka inyanga inyanga nganye.
Umthengi Qaphela
Umgca we-ARM we-mortgages kukuba ufanele ukwazi ukuba ungena ntoni . Umboleki wakho kufuneka achaze ezinye izinto ezimbi kakhulu ukwenzela ukuba ungabonakali ngetyala lokulungiswa. Abaninzi ababolekayo bakhangele le nto-nokuba ngaba kwaye baya kuthatha ukuba baya kuba kwindawo engcono yokufumana ukunyuka kweentlawulo kwixesha elizayo - ingaba li-5 okanye iminyaka eyi-10 ngaphandle. Oku kunokwenzeka ukuba kunjalo, kodwa izinto azihlali zisebenza ngendlela esilungiselele ngayo.