Indlela yokujonga ukuba kufuneka uhlawule imali yakho
Kodwa ke, uzinikelele kwimali emiselweyo yokuthenga imali kwiminyaka emininzi edlulileyo, ngoko uhlawula iipesenti ezi-6 ngelixa umntakwabo ummelwane uhlawula i-3.25 pesenti. Ngaba kufuneka uhlaziye?
Okokuqala, imvelaphi yabantu abangaqhelekanga ngesigama: "ukuhlaziywa" ukuthenga imali kuthetha ukuba ufumana imali entsha.
Wena "uphinda-mali" - uyayiphinda kwakhona, ngecebo lokutshintsha.
Iingxelo zoRefinancing
Abantu abaninzi abaneemali-mboleko ezizimeleyo ezihlaziywayo zikhuthazwa ngethuba lokunciphisa inzala engaphantsi.
Ulwahluko oluncinci kumyinge wenzalo wenza umda omkhulu. Thelekisa iminyaka emithathu engama-30 engama-240,000. Omnye uphethe i-rate ye-4.00 yepesenti, kwaye enye inomyinge we-4.25 wepesenti.
Oko akuzwakala ngathi uhlobo olukhulu, akunjalo? Ingxenye enye yepesenti, kunjalo? Ubungakanani umlinganiselo onokuyenza?
Amanani amancinci athile kwiimali ezinkulu. Ekupheleni kweminyaka engama-30, umnini-mali we-4.25 wepesenti uza kuhlawula imali engaphezulu kwe-R10 000 ngaphezu kobomi bemboleko, xa kuthelekiswa nomnini we-mortgage 4.00%.
Ngokucacileyo, inzuzo enkulu yokuhlaziywa ngethuba lokunciphisa umlinganiselo wakho wenzala, ukucheba amawaka ekuhlawuleni kwemali yakho yonke.
Ingxowa yokuQala kabusha
Kodwa yonke ivukile inomva: ukuhlaziywa kwakhona kuya kuqalisa kwakhona iwashi lakho lokubambisa imali, ukubuyisela ishedyuli yakho yokubuyisela imali kwi-square eyodwa.
"Huh? Kuthetha ukuthini oko?"
Nantsingiselo yokusebenza kwemali: Xa wenza inkokhelo, ipesenteji yaloo ntlawulo iya kwi-interest yakho. Imali esele iya kwiinqununu zakho zokuqala zemboleko.
Ingakumbi ukuba inkokhelo yakho isebenza kwinqununu yakho, bhetele. Ukuhlawula ibhalansi yakho enqununu kukuvumela ukuba uhlawule imali ngokukhawuleza. (Kungenxa yoko kufuneka uqiniseke ukuba nayiphi na imali ehlawulwayo yokuthenga imali isetyenziswa kwinqununu yakho ).
Xa uqala imali entsha, ininzi yentlawulo yakho isebenza kumdla. Kuphela i-sliver encinane yayo iya kwinqununu yakho. Ekupheleni konyaka wakho wokuqala wokuhlawula imali, uya kubona ukuba awuzange wenze i-dent kwinqanaba lakho elinqununu.
Okuqhubekayo kunye nawe ukuqhubela phambili kwimali yakho yokubolekwa kwemali, iintlawulo zakho ziya kusebenza kwinqununu yakho. Ngomnyaka wakho wama-25 weminyaka-mboleko yeminyaka engama-30, phantse zonke iintlawulo zakho ziya kufakwa kwiinqununu zakho.
"Kuyinto enomdla, ngokwenene. (Yawn.) Kodwa iyakwenza njani ukuhlengahlengisa?"
Xa uhlaziya i-mortgage, ubeka kwakhona iwashi emva konyaka omnye. Uninzi lweentlawulo zakho luya kufaka inzala, kungekhona inqununu.
Ukuba useneminyaka embalwa yokuqala yemali yakho yokuthenga imali, oku akuyona into enkulu. Kodwa ukuba uhamba phambili kwi-mortgage yakho, kufuneka usebenze ispredishithi ukuze ubone ukuba isantya somyinge esezantsi siqinisekisa ukuba iwashi ibuyele kwakhona.
Ukugcina iMali kwiNtshisekelo yokuqala kuMboleko
Masithi uYoe unemali eyi-100 000 yokubolekisa ngemali ye-6 ekhulwini.
Intlawulo yakhe yenyanga i-$ 599. Ekupheleni konyaka we-1, uJoe uhlawule i-$ 7,188 kwi-mortgage yakhe. I $ 1,299 kuphela ehlawulwa phantsi kwinqanaba le-nqununu. Amanye aphelelwe ngumdla.
Unyaka omnye kuphela kwiminyaka engama-30 ubudala , uJoe ufumanisa ukuba unokufumana imali mboleko emithathu kwiipesenti ezi-5. UJoe ulungiswa, uvala umyinge wakhe wemali kunye nokuqala kwakhona iwashi. Uhlawula i-$ 1,000 ekuvaleni iindleko zemboleko yakhe entsha.
Kwimizuzu engama-6, uJoe wayemele akhokhe imali engama-109,871 ayi-intlawulo yemali kwi-mboleko yemali mboleko (ukuhlawula imali engama-209,871 kwindlu yakhe eyi-100 000). Ngokucocwa, uJoe "ulahlekelwa" yi-$ 5,889 enomdla ukuba wayehlawulela unyaka wokuqala wesikweletu sakhe. Ouch.
Kodwa kuyafaneleka. Ngokutshintshela imali engama-5 e-mortgage, uJoe ngoku uya kuhlawula imali engama-95,483 ngemali ebomalini-mboleko, kunokuba ibe ngu-109,871. Ngamanye amazwi, ukuhamba kwakhe kusindisa i-$ 14,387.
Ukuhlawula inzala engakumbi ngeRefinancing kamva kwiNgxowa-mboleko
Kodwa masicinge ukuba uJoe wayeneminyaka engama-15 yeminyaka engama-30 ubudala yemali yakhe yokuthenga imali xa efumene ithuba lokuhlaziya. Akafuni ukuzinikela kweminyaka engama-30, ngoko uhlaziywa kwiminyaka eyi-15 yemali . Kwenzekani?
Ngaphandle kokunciphisa umlinganiselo wenzalo ukuya kuma-5 eepesenti, kunye nokukhawuleza iintlawulo nge-mortgage year-year-year-year, uJoe uhlawula inzala engakumbi ngokuhlaziywa kunokuba enze phantsi kwimeko yokuqala. Ngamanye amazwi, ukulungiswa kwempahla yinto ebalulekileyo yeJoe, kuba ude kakhulu kwi-mortgage yakhe.
Ngaphantsi
Ungacingi ukuba ukucoceka kuhlale kulungile okanye kukubi. Faka i-interest rate, imvumelwano yemali mboleko kunye neendleko zokuvala kwi-spreadsheet okanye i-calculator refinance calculator, ukubala ukuba i-intsebenziswano enokuthi inikezelwa ingenangqondo kwimeko ethile.
Njengomgaqo jikelele wesohlwayo, ukuba uneminyaka embalwa yokuqala ukwenza iintlawulo zempahla kwaye ungayinqanda inzala yexabiso kwisilinganiso se-0.75 pesenti okanye ngaphezulu, kufuneka uqikelele. Ngaphambili kwimali yakho yokubolekisa, ulunge.