Iingcamango Ngomdla kuphela
Ngaba unokuthatha imali yokuthenga imali kuphela? Ezi ziyimali-mboleko engenakunciphisa ibhalansi yeqununu kwaye, ngelixa izalisekisa i-niche ethile, ayilona wonke umthengi. Kuthetha ukuba uya kuhlala uhlawula imali efana nantoni na uninzi lweintlawulo ozenzayo kuba uhlawula umdla.
Imali-mboleko yodwa-mboleko ibolekwa yi-real estate kwaye ihlala iqulethe inketho yokwenza inzala yentlawulo.
Unako ukuhlawula ngaphezulu kodwa abaninzi abantu abakwenzi. Abantu bathanda imali-mboleko kuphela ngenxa yendlela yokunciphisa ngokukhawuleza inkokhelo yakho yokuboleka. Iindaba zeentloko zivame ukuphazamisa inyaniso ngemali-mboleko yemali-mboleko kuphela, eyenza ibe yimali ebolekileyo okanye ebolekeleyo, ekude inyaniso. Njengoko naluphina uhlobo lweso sixhobo sokuxhaswa, kukho ubuchule kunye neengxaki. Imali-mboleko-kuphela yentshukumo-mboleko ayikho into ekhohlakeleyo ngokwabo.
Yiyiphi inzala-mboleko kuphela?
Intlawulo-kuphela yenzalo ayiqukethe inqununu. Ininzi yemali-mboleko yemali ekhoyo namhlanje ibonisa ukhetho lwentlawulo yenzalo kuphela. Nasi umzekelo:
- Imali mboleko yemali eyi-200,000, ethwele inzala kwi-6.5%. Imirhumo yemali yemali-mboleko yeminyaka engama-30 yayiza kuba yi-1,254 yeenyanga ngenyanga, iqulethe inqununu kunye nomdla.
- Intlawulo kuphela yintlawulo eyi-$ 1,083.
- Ukwahlula phakathi kwentlawulo yeP & I kunye nentlawulo yenzalo kukulondolozwa kwe-$ 170 ngenyanga.
Inzala Eqhelekileyo-kuphela Imali-mboleko
Imali-mboleko efunwa yintando-mali kuphela ayivumeli ababoleki ukuba benze inzala-ntlawulo kuphela.
Ngokuqhelekileyo, elo xesha likhawulelwe kwiminyaka emihlanu okanye elishumi yemboleko. Emva kweso sihlandlo, imali-mboleko ihlawuliswe kwithuba eliseleyo. Oku kuthetha ukuba iintlawulo zihambela kwixabiso elincinciweyo kodwa ibhalansi yemboleko ayikonywanga. Izibhengezo ezibini ezidumile zi:
- Imboleko yeminyaka engama-30. Inketho yokwenza intlawulo yenzalo kuphela yenyanga yokuqala 60. Kwimali mboleko engama-200 000 kwi-6.5%, umboleki unakho ukhetho lokuhlawula i-$ 1,083 ngenyanga ngaliphi na ixesha kwiminyaka emihlanu yokuqala. Iminyaka engama-6 ukuya ku-30, intlawulo iya kuba ngu-1,264.
- Imboleko yeminyaka engama-40. Inketho yokwenza intlawulo yenzalo kuphela yinyanga ezili-120 zokuqala. Kwimali mboleko engama-200,000 kwi-6.5%, umboleki unako ukhetho kwiminyaka elishumi yokuqala ukuhlawula intlawulo-nzala kuphela kwinyanga. Iminyaka eyi-11 ukuya ku-40, intlawulo iya kuba ngu-1,264.
Indlela yokuQinisekisa iNtlawulo-mboleko kuphela
Kulula ukufumana inzala yomhlalaphantsi . Thatha ibhalansi engabhokhwe imali engama-$ 200,000 uze uyiphindiselele ngenani lentengo . Kule meko, izinga liyi-6.5%. Inani liyi-$ 13,000 enomdla, yintoni umrhumo wonyaka wenzalo. Uhlula i-13,000 kwiinyanga ezili-12, eziza kulingana nentlawulo yakho yenyanga okanye i-$ 1,083.
Ngubani oza kuthatha inzala-mboleko kuphela?
Imali-mboleko kuphela yenzelwe inzuzo kubathengi basekhaya bokuqala . Abaninzi abanikazi bamakhaya bazama ukuzabalazela kunyaka wokuqala wobunini ngenxa yokuba abaqhelekanga ukuhlawula imali yokuboleka imali, ephezulu ephezulu kuneentlawulo zokuqeshisa.
Imali-mboleko kuphela efuna ukuba umninikhaya akhokhe intlawulo yenzalo kuphela. Oko kuyenzayo kukunika umntu obolekayo i-OPTION ukuhlawula intlawulo ephantsi ngexesha leminyaka yokuqala yemboleko. Ukuba umninikhaya ujongene nesilwayo esingalindelekanga - yithi, i-heater yamanzi kufuneka ithathelwe indawo - leyo inokuhlawula umnikazi we-$ 500 okanye ngaphezulu.
Ngokusebenzisa inketho ngaloo nyanga ukuhlawula intlawulo ephantsi, olo khetho lunokunceda ukulinganisa uhlahlo lwabiwo-mali lomnini.
Abathengi abanomvuzo wabo oguqukayo ngenxa yokufumana iikomishini, umzekelo, endaweni yomvuzo wecala, ufumana inzuzo yokuthenga imali kuphela. Ababolekayo bahlala behlawula intlawulo-mboleko kuphela ngexesha leenyanga ezincinci kwaye bahlawule ngakumbi kwiinqununu xa iibhonasi okanye ii-commissions zifunyenwe.
Ingakanani Inomdla-Ngaba Imali YeeNgxowa-mali kuphela?
Ngenxa yokuba abathengi banqabile ukuba benze nantoni na ikhululekile, indleko yemali-mboleko yodwa inokuba yinto ephakamileyo kuneemali eziqhelekileyo . Ngokomzekelo, ukuba i- mortgage-rate rate yeminyaka engama-30 ifumaneka kwizinga lokuhamba kwe-6%, inzala-mboleko kuphela inokuhlawula i-1/2 yepesenti okanye ibekwe kwi-6.5%.
Umboleki angahlawulisa nepesenteji yephuzu lokwenza imali mboleko.
Zonke iintlawulo zemali zentengo ziyahluka, ngoko ke zihlawulela ukuthenga.
Ziziphi iingozi kunye neengongoma ezidibaniswa noMboleko kuphela?
Umba obalulekileyo wemboleko-mboleko kuphela ukukhumbula ukuba ibhalansi yemboleko ayiyi kunyuka. Imali-mboleko ye-ARM yokukhetha iqulethe ukubonelelwa kwemali engalunganga . Imali-mboleko kuphela yenzalo.
Umngcipheko ophathelene nomyinge-mboleko wodwa unyanzelekile ukuba uthengise ipropati ukuba ipropati ayifumananga. Ukuba umntu obolekayo uhlawula umdla ngamnye ngenyanga, ekugqibeleni, uthi, iminyaka emihlanu, umbolekisi uya kubhatala umlinganiselo wokubolekwa kwemali-mboleko ngenxa yokuba ingancishwanga. Ibhalansi yemali-mboleko iya kuba semali efana nanjengoko umboleko ovela kuyo.
Nangona kunjalo, kwikhompyutheni yokuhlawula ngokubambiseneyo ayiyi kuhlawula ngokwaneleyo imali ebolekwe ngemali eyi-100% ukuze ihlawule iindleko zokuthengisa xa ipropati ayifumananga. Inkokhelo enkulu xa kuthengwa iyanciphisa umngcipheko ochaphazelekayo kunye nomhlala-mboleko wenzalo kuphela.
Ukuba ixabiso lepropati liwa, kunjalo, ukulingana okufunyenweyo kwipropati ngexesha lokuthenga kungaphela. Kodwa baninzi abaninikhaya, kungakhathaliseki ukuba umbolekisi udibeneyo, ubhekane nobungozi kumakethi aphantsi.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.