01 Fumana iNgxowa-mali engalungile ngokuthelekisa u-APR
Ngaba i-APR iyisixhobo sokufanisa? Kuphela xa uthelekisa iiapulo kwiipulo - enoba ngumngeni.
Imali engekho
Ababoleki banamagumbi athile xa bebala u-APR. Zingenza okanye zingabandakanyi ezinye zeendleko oza kuhlawula ngazo. Ngokomzekelo, intlawulo yeengxelo zemboleko, iintlawulo ze-appraisal, kunye nemirhumo yokuhlola ingabandakanywa kwi-quote yakho ye-APR. Ekubeni ababolekisi abahlukeneyo bangahlawulisa iintlawulo ezahlukeneyo zeengxelo zemboleko, ufaniso lwe-APR luba luxabiseke kakhulu.
Umboleki othembekileyo uya kubandakanya iintlawulo ezininzi ezibonakalisa ngokuchanekileyo iimeko zakho, okwenza i-APR yabo ibonakale ephakamileyo.
- Jonga Ukulawula Iindleko Zokuvala Ukufumana ulwazi ngale mali
Hlala kwaye utshintshe kunye no-APR
Xa ukhangela izipapasho, u-APR unokukhohlisa. I-intanethi zingabonisa i-APR ekhangayo kakhulu ngaphantsi kunezo oye wazifumana. Gcina ukhumbule ukuba awufaneleki ukufumana loo maxabiso.
Ipapashwe ngu-APR ingabandakanyi iindleko ze-inshurensi yokuthenga. Ukuba uya kufuna i-inshurensi yangasese ye-mortgage ( PMI ), i-APR iya kwanda. Ngokufanayo, ezo mpendulo ze-APR ziza kubaboleki abahamba phambili ngaphandle. Ukuba unayo i-credit-less-perfect-credit okanye ufuna iimboleko zemibhalo ephantsi uza kuba no-APR ophezulu.
Ngaba i-APR ibonisa ukuba ubuhlobo besikhathi eside?
Xa ubona i-APR yomboleko, ucinga ukuba umboleko uya kuhlawulwa ngaphezu kobomi bawo bonke. Ngokomzekelo, i-APR kwimali-mboleko yeminyaka engama-30 ibalwa ngokucinga ukuba uya kugcina imali mboleko iminyaka engama-30. Enyanisweni, uninzi lwabantu aluyikugcina ixesha elide. Iminyaka engama-7 okanye ngaphezulu ifana nayo.
Ukuba uhlawula umboleko weminyaka engama-30 emva kweminyaka engama-7, i-APR iya kukukhokelela endleleni engafanelekanga. Uza kubona i-APR ephantsi kwimali-mboleko enee-high-front fees kunye nexabiso elincinci. Ngelishwa, awuyi kukwazi ukusabalalisa iindleko eziphambili ezihlawulwe iminyaka emininzi.
Ukuba uhlawula umboleko wakho kwangaphambili, u-APR ngokwenene uphezulu kunokuba ubona ucatshulwa. U-APR uncedo kakhulu xa uceba ukugcina imali mboleko ngonaphakade.
02 Indlela i-APR ifumana ngayo kwiSithombe esikhulu
Gcina ukhumbule ukuba ukufumana i-APR ephantsi akuthethi ukuba wenza into ephambili kakhulu kwiimeko zakho zezimali. Khangela umfanekiso omkhulu.
Kwabaninzi abakbolekayo, i-APR yenza umboleko ngezinga eliphantsi kunye neyona mali ephezulu ephezulu. Nangona kunjalo, oku kuthetha ukuba kuya kufuneka ufike ngamawaka eedola namhlanje. Unokufumana inzuzo kwiintlawulo zenyanga zingaphantsi kwexesha, kodwa ufanelekile?
Uyayazi impendulo xa ubheka umfanekiso omkhulu. Ukujonga kwinqanaba lakho lokuncinci kunokunceda , kunye nezinye izinto zichaphazelekayo. Ngaba unako ukubeka iindleko ezimbalwa zeedola zeendleko eziphambi kwe-IRA okanye isicwangciso somhlala-phantsi endaweni kwaye uphume phambili? Ingaba i-$ 100 eyongezelelweyo ngenyanga malunga nentlawulo yakho iya kumbandela kangangokuba kwiminyaka emi-5 okanye eyi-10? Kwakhona, ngaba uza kugcina imali mboleko ixesha elide ukubuyisela ezo ndleko?
Ngokujonga umfanekiso omkhulu unethuba elingcono lokwenza into efanelekileyo.
03 Eyona ndlela ilungileyo
Ukugxininisa kuphela ngomhla we-APR, onobunzima kwaye mhlawumbi okhohlisayo, akuyona indlela efanelekileyo yokuthenga ngetyala. Ngokuqinisekileyo, kungcono kunentambo ebukhali kwijiso ukuba awukwazi okanye awuyi kuthatha ixesha lokujonga phantsi kwebhodi. Nangona kunjalo, kufuneka kubekho indlela engcono.
Ukuba ufuna ukufumana imboleko emalathweni, jonga ukhangelelwano lwekontenti nganye. Khangela ixabiso kunye nokuvala iindleko - kungekhona nje i-APR - kwaye uqaphele ngokuchanekileyo ukuba zeziphi iindleko ezingabandakanywa. Yakha i-spreadsheet encane ukuze ufumane iipulo kwi-apples. Ukuba ufuna, sebenzisa amanani akho kunye ne- APR calculator yethu .
Unokuxhomekeka kumbolekisi wakho ukukunceda ukuba ulungele ukuthelekiswa kwama-APR. Buza ngamnye wabo "njani umbolekisi wakho ungcono kunomnye umntu?" Bakhombise uqikelelo lwemboleko okanye uqikelelo lwenkolelo elungileyo ( GFE ) kwaye ubacele ukuba bancede uqonde.
APR ingadideka. Ukuze ufunde kabanzi ngeentlobo ezahlukeneyo ze-APR, jonga ntoni i-APR?