Ngaba i-bill home mortgage yakho ivakalelwa ngathi ityhidi? Ngaba ufuna ukunciphisa intlawulo yenyanga ? Nazi iindlela ezine ongakwenza ngazo.
Ukuhlaziya imali yakho
Ngaba kufuneka uhlaziye ? Impendulo ixhomekeke kwimibandela emibini: yobudala bemali mboleko yakho, kunye nomlinganiselo phakathi kwexabiso lakho langoku kunye nelingenakho inzala.
Imali-mboleko yemali yasekhaya, oku kuthetha ukuba uhlawula inzala enkulu ekuqalekeni kwexesha lokuboleka imali kunye nenqununu enkulu ekupheleni kwekota.
Ngenxa yoko, inzala ibaluleke kakhulu ekuqalekeni kwekota. Inzala yenzalo yenza umphumo omncinci ukuya ekupheleni kwekota xa iintlawulo zakho zininzi ziyinhloko. Ukuguqulela: omtsha umboleko, unamandla ngakumbi ukuba ufanele ucinge ukulungiswa kwempahla.
Kodwa ukuhlengahlengisa kuguqula iwashi yokubuyisela emuva kwinqanaba elilodwa, kwaye igalela amawaka ambalwa kwiindleko zokuvala, ngoko ke umehluko omncinci phakathi kwamazinga akho omdala kunye namanqanaba omdla-athetha, iipesenti ezingama-0.25-angenakulungiswa. Qalisa amanani ukuba ubone ukuba ukulungiswa kwempahla kukulungele ukuba isantya somdla sisasazeka nge-0.5 - 1 ekhulwini okanye ngaphezulu.
Ukulahla i-PMI yakho
Ngaba uhlawula i- inshurensi yangasese yomhlalaphantsi okanye i-PMI? Ukuba uthenge ikhaya lakho ngenkokhelo ephantsi engaphantsi kwama-20 ekhulwini, unokuhlawula i-PMI. Yongeza amawaka okanye amawaka kwi-mortgage yakho ngonyaka.
Kukho iindaba ezilungileyo, nangona kunjalo: awuyi kubamba i-PMI ngonaphakade.
Okokuqala, hlawulela ngokwaneleyo umboleko wemali yokuba ufumene i-20 ekhulwini ngokulinganayo endlwini. (Unokufumana ukulingana ngokukhawuleza ukuba ixabiso lakho lasekhaya likhuphuka-kodwa, kunjalo, awukwazi ukulawula oko.)
Emva koko qhagamshelana nomboleki wakho ukubuza malunga nenkqubo yokulahla i-PMI yakho. Ababolekisi abayi kuwisa i-PMI ngokuzenzekelayo-kuya kufuneka uyicele.
Abanini-mboleko abaninzi baya kuthumela i-appraiser ukuba baqikelele ixabiso lekhaya ngaphambi kokuba umbolekisi aqinisekise ukuba unesabelo se-20 sepesenti.
Fumana iNgxowa ende
Ukubandezeleka phantsi kweentlawulo ezinyangeni zenyanga eziza kunye neminyaka eyi-20 ubudala okanye i-mortgage year? Ukwandisa imali yakho yokuthenga umyinge kwixesha eliqhelekileyo leminyaka eli-30 lokunciphisa intlawulo yakho yenyanga.
Iindaba ezimbi: inzala yakho iya kuvuka. Iindaba ezilungileyo: unako ukhetha ukwenza iintlawulo ezongezelelweyo kwi-mortgage njengokuba uhlawula umboleko weminyaka eli-15 ukuya kwe-20. Ezi ntlawulo ezongezelelweyo ziya kukunceda ukwanelise imboleko ngokukhawuleza, ngaphandle kokunyanzelisa ukuba wenze iintlawulo ezinkulu ukuba, kuthi, kukho imeko engxamisekileyo ekushiya imali-ntloni ngenyanga okanye ezimbini.
Umngeni woVavanyo lweRhafu
Nantsi indlela engaqhelekanga yokunciphisa ukuhlawulwa kwekhaya ngenyanga: ukulwa novavanyo lwerhafu.
Inkokhelo yokuthenga ngemali eqhelekileyo iquka inkokhelo yakho yintlawulo, inzala yakho yemali, kunye ne "impounds" yakho, inkokhelo yenyanga yenyanga leyo ebeka iirhafu zepropati kunye nabanini bomshuwarensi.
Ukuba ungekho phantsi kwerhafu yakho yerhafu yepropati, i-county ingayifaka umnxeba endlwini yakho. I-lien ka rhu lumente iya kubaluleka kuqala kwi-link ye-lender.
Ngenxa yoko, umnini-mboleko uqokelela iirhafu zepropati nganye inyanga ukukhusela umdla walo ekhaya.
Le ntlawulo ihlala kwisigxina kuze kube yinto efunekayo yerhafu yepropati yonyaka. Iirhafu zepropati zisekelwe kwingxelo yerhafu yolawulo lwenkcitho yekhaya lakho kunye nomhlaba.
Uninzi lwale mivavanyo luphezulu kakhulu, ngokukodwa ekuvukeni kwezindlu, ezinciphisa ixabiso lekhaya. Ngamanye amava uvavanyo luphakamileyo kakhulu ukuba indawo leyo iphinde ihlaziywe, ukuchongwa okutsha kubangele ukuba amaxabiso asekhaya ayancipha, kwaye amaxabiso anqabileyo awabonakalwanga kuvavanyo.
Abaninikhaya bangabhikisha uvavanyo ngokufaka isikhalazo kwi-county okanye bacele ukuvalelwa neBhodi yelizwe yokulingana. Ukuba ukuqhankqalaza kuvunyelwe, irhafu yendawo yomnini iyalahla, oko kuthetha ukuba intlawulo yabo yenyanga yokuhlawula imali iyancipha.
(Qaphela: "uvavanyo" luhluke "kwi-appraisal." I-county isebenza ukuhlolwa kweenjongo zerhafu.
Inkampani yabucala yenza i-appraisal, ngokubanzi ngemali mboleko kunye neenjongo zokuthenga.)