Funda Le Ngaphambi kokuba Ufumane Imali Yemali Yokulungiswa
Umboleki ngamnye ubeka isigqibo sokuba mangaphi amanqaku aza kudibanisa kwisilinganiselo somlinganiselo. Ngokuqhelekileyo amanqaku eepesenti. Ngokomzekelo, ukuba izinga le-Libor lingama-0.5 ekhulwini, izinga le-ARM lingaba naphi na kwi-2.5% ukuya kuma-3.5 ekhulwini.
Abaninzi ababolekisi baya kugcina izinga kwilo xabiso elipapashiweyo kwixesha elithile. Emva koko isantya senyuka rhoqo. Oku kwaziwa ngokuba kusetyenziswa kwakhona. Kuxhomekeke kwimimiselo yomboleko. Iyakwenzeka rhoqo ngenyanga, ngekota, ngonyaka, minyaka emithathu okanye kwiminyaka emihlanu, kuxhomekeke kuhlobo lomboleko owufumanayo. Kufuneka ufunde ukuprintwa okuncinci ukuze uqaphele ukuba uya kukwazi ukuhlawula umyinge ophezulu.
Emva kokusetha kabusha, izinga liya kwanda njengoko uLibor enza. Oko kuthetha ukuba ukuhlawula imali yakho kungazelelwe ngokukhawuleza emva kokuba ixesha lokuqala leminyaka emihlanu linyuka. Ukuba i-Libor yenyuka ibe ngama-2.5 ekhulwini ngeli xesha, i-interest rate yakho entsha iya kuphakama kuma-4.5 ekhulwini okanye ama-5.0 ekhulwini. Ixabiso lembali laseLibor lityhila ukuba i-Libor yanda ngo-2006 nangonyaka ka-2007. Yenza ukuba kubekho ukulahlekelwa kwempahla ekhokelela ekubanjweni kwenkcitho yangaphandle .
Oko kuthetha ukuba kufuneka uqaphele utshintsho kwizinga lokuxhaswa kwemali kunye neentlawulo zebhanki zexesha elifutshane.
Kungenxa yokuba iLibor iguqula ngokutsha kwi-lockstep nayo. U-Nondyebo uvelisa xa kufuneke ukuba izibophelelo ziwa.
Iinkonzo
Ubungakanani bemilinganiselo yee-mortgages eziguquguqukayo kukuba izinga liphantsi kunee -mortgages eziphantsi . Lezo zerhafu ziboshwe kwiNqaku leNondyebo eli-10 . Oko kuthetha ukuba ungathenga indlu enkulu kuncinci.
Oku kukhangeleka kakhulu kwi-homebuyers yexesha lokuqala kunye nabanye abaneemali ezilinganisiweyo.
Umxhasi
Ingxaki enkulu kukuba inkokhelo yakho yenyanga iyakwazi ukukhawuleza ukuba ixabiso lentengo likhuphuke. Abantu abaninzi bayamangalisa xa inzala yenzalo ivuselela, nangona ikhonkonti. Ukuba ingeniso yakho ayizange ikhuphuke, ngoko awukwazi ukukwazi ukuhlawula ikhaya lakho, kwaye ungayilahleka.
Imilinganiselo yee-mortgages yahlaziywa ngo-2004. Yilapho i- Federal Reserve iqala ukuphakamisa izinga lokuhlawula imali . Ukufuna iimali-mboleko eziqhelekileyo kwawa njengoko amazinga enzala aphakama. Iibhanki zenze i-mortgage rate ehlawulekayo ukwenza iintlawulo zenyanga zantsi.
Iintlobo
Ngo-2004, iibhanki zenze ubuchule kunye neentlobo zemboleko zemali-mboleko ukuze zikhohlise abaninini. Nayi imimiselo yezona ziwayo.
Imali-mboleko kuphela . Zinamaxabiso aphantsi. Inkokhelo yakho yenyanga ihamba ngqo kumdla, kwaye akukho mgaqo, kwiminyaka yokuqala ukuya kwemihlanu yokuqala. Emva koko, uqala ukwenza iintlawulo eziphezulu ukugqithisa umgaqo. Okanye, mhlawumbi unokufuneka ukuba wenze inkokhelo enkulu ibhaluni.
Ukuba uyayazi indlela asebenza ngayo, le mboleko ingakwazi kakhulu. Ukuba unako ukuyithengisa, nayiphi intlawulo eyongezelelweyo iya ngqo ngqo kumgaqo.
Ukuba uqeqeshwe ngokwenza ezi ntlawulo, unako ukuhlawula ngakumbi ngokumalunga nomgaqo. Ngaloo ndlela uza kufumana ukulingana okuphezulu ekhaya ngaphandle kwendawo yokuthenga imali. Ezi mboleko ziyingozi ukuba awulungele ukulungiswa okanye ukuhlawula ibhaluni. Zinezinto eziphazamisekileyo ezifanayo naluphi na umrhumo wemali.
Iimpawu ze-ARM. Bavumela ababoleki ukuba bakhethe ukuba kufuneka bahlawule malini ngenyanga. Baqala ngamazinga "we-teaser" malunga neepesenti ukuya kweyesibini. Ezi ziyakwazi ukusetha kwakhona phezulu, nangemva kokuhlawulwa kokuqala. Uninzi (iipesenti ezingama-80) ukhetho lwababoleki be-ARM benza kuphela intlawulo encinci nganye ngenyanga. Bonke abanye bayongezwa kwi-balance of the mortgage, njengemali ebolekiswayo yokuboleka imali.
Abbolekayo bacinga ukuba iintlawulo zenziwa iminyaka emihlanu. Ukuba ibhalansi yokubolekwa kwemali ehlawulwayo ikhula ukuya kuma-110 ekhulwini okanye i-125 ekhulwini yexabiso lokuqala, umboleko wenziwa ngokutsha ngokuzenzekelayo.
Ingakhokelela ekuhlawuleni imali emithathu isixa sokuqala. Izigwebo ezinqabileyo zithintela abobolekayo ukuba bangahlanjululwa. Ngenxa yoko, abaninzi ababolekayo bawela ngokunyanisekileyo kwizikwere. Xa indlu ixabiseke ngaphantsi komyinge, okanye umbolekeki ulahlekelwa ngumsebenzi, bahamba phambili .
Le mboleko yayingumqhubi omkhulu emva kweengxaki zemboleko . Nangona kuphela iipesenti ezi-2 zazo zonke iimali-mboleko zasekhaya zaziyi-ARMS ye-option, zifanele i-$ 300 billion. Uninzi lwazo lwaphulukana. Okungenani ama-60 ekhulwini ase-California, apho amaxabiso asekhaya awa ngama-30-40 ekhulwini. Oku kungavumelekanga ukuba bathabathe iiprogram zokuguqulwa kwemali mboleko njenge- MakingHomesAffordable . (Umthombo: " Iimali ezikhuselekileyo ," iCentral for Lending Responsibility, ngoNovemba 5, 2007. "Iimali zokugcina izimpahla zobusuku," i-Businessweek, ngoSeptemba 11, 2006.)