Iziseko zeMali-mboleko yasekhaya yaseVinilla
Imilinganiselo yee-mortgages ezivumelekileyo zivumela umntu obolekayo ukuba aziphi na iintlawulo zenyanga ezizayo. Ngenxa yokuba izinga lomyinge lugqityiwe , iintlawulo zakho aziyi kuhluka xa usebenzisa i-mortgage rate rate.
Ngomyinge ongezantsi wemali, ubala ukuba uza kuthatha ixesha elingakanani ukuhlawula yonke inqununu kunye nomdla, kwaye ufika ngenkokhelo yenyanga. Uya kuhlawulela enye intlawulo yenyanga ngenyanga ngelixa elipheleleyo lexabiso elimiselweyo.
Ngokuqinisekileyo ukuba uthengisa ikhaya lakho ngaphambi kokuphela kwekota, unokwenza uhlawule umrhumo onetyala.
- Jonga i-Loan Amortization Calculator (njani inqununu kunye nenzala ihlawulwa ngexesha elide)
Iinqununu zokuThengiswa kwemali
Kukho iintlobo ezimbini eziphambili zeekhredithi zemali:
- Iminyaka-mali engama-30 e-Fixed Rate
- Iminyaka eyi-15 yeeMali-mboleko eziMiselweyo
Eminye imimiselo (njengama-Mortgages aMawaka angama-10 okanye angama-20) akhona kodwa ayenjalo ngokuqhelekileyo asetyenziswa.
UkuHlawulwa kweMali yokuThengiswa kweMali
Imilinganiselo ye-mortgages iyincedo kuba ivumela ukuba uqikelele oko kuza kuhlawulwa ngezindlu zakho kwikamva. Kungakhathaliseki ukuba kwenzekani ngexabiso lentengo, iintlawulo zakho aziyi kutshintsha ukuba usebenzisa i-mortgage rate rate. Nangona kunjalo, iintlawulo zinokutshintsha kunye nezinye iimali zokuhlala ezikhuselekileyo .
UkuHlawulwa kweMali yokuThengiswa kwemali
Ngomlinganiselo osisigxina wokubolekwa kwemali, uhlala unentlawulo ephezulu yenyanga ngaphezu kokuba unakho kunye nezinye izinto ezikhethiweyo.
Oku kungenxa yokuba isibonelelo semali esicwangcisiweyo sinikela ukhuseleko lokuba wazi ukuba iintlawulo zakho aziyi kunyuka. Ngenxa yokuba ababolekisi abazi ukuba kuya kwenzeka ntoni ngexabiso lentengo kwiminyaka eyi-15 ukuya kweyama-30 ezayo, bakuhlawula ngenxa yale nto yokunethezeka.
Ngaba kufuneka usebenzise i-Mortgage Rate Mortgage?
Kufuneka uxoxe ngeemeko zakho kunye nekhredithi enetalente kunye noncedo.
Ngokuqhelekileyo, uya kufumana ukuba i-mortgages yezinga elichanekileyo yinto efanelekileyo ukuba:
- Ucinga ukuba inzala yenzalo iphantsi
- Unako ukuhlawula intlawulo yendlu oyifunayo
- Kufuneka uhlahloye imali kwaye uqikelele iintlawulo zenyanga
- Uya kugcina ikhaya lakho ixesha elide
Ukufumana iMali yokuThengiswa kweMali eQinisekisiweyo
Ukufumana imali efanelekileyo yokugcina imali efunekayo ukuthenga kuyo kwaye wenze umsebenzi wesikolo. Cela izicatshulwa ezivela kubalimi abaninzi, kwaye ubuze bakho abahlobo kunye nabahlobo ukuba bangabhekisela kumboleki onyanisekileyo.
Imilinganiselo ye-mortgages yezinga elingahlawulwanga ingaba neendidi ezahlukahlukeneyo zentlawulo ezakhiwe kwinkokhelo yokugqibela ocatshulwayo. Cela ukubhalwa kwenkcazo ebhaliweyo, echazwe yinto ehlawulwayo-kwaye kutheni. Akumangalisi ukuba abuze ukuba ngaba umboleki uya kuhlawula umrhumo okanye ezimbini. Ukuba ungumboleki olungileyo okanye ukuba wenza ukuthenga okukhulu, amathuba akho angcono.
Buyela kwinqununu Qaphela iphepha lokuncedisa imali.