Ukuguqula iMithwalo-mboleko yokuThengiswa kweeNgxowa-mali ngokuSebenza
Icandelo lempesheni yokuhlawula imali liye laphazamiseka kwiminyaka ngenxa yokudideka, idibene neengxelo zabathengi abadlulayo abasondeza abantu abadala. Namhlanje, amaziko ahlawulisayo afuna ukuba ababolekayo bafumane iingcebiso malunga neengozi kunye nemingxobo ngaphambi kokuya kwi-mortgage. Ngelishwa, loo nto ayiqinisekisi ukuba umninikhaya akayi kunqumla.
Ukusebenza Ngaphandle Kwempahla?
Ukubuyiswa kwemali yesondlo kuvumele ukuba umninikhaya aboleke ukulingana.
Endaweni yokwenza iintlawulo kumbolekisi, umboleki-mboleko wenza iintlawulo kumboleki. Iintlawulo zenziwa ngolu hlobo lulandelayo:
- Isamba semali
- Ngenyanga, kuba nje umbolekayo ehlala ekhaya
- Ukuqhubela phambili ngexesha lomvuzo
- Ukudibana naluphi na oku ngasentla
Ubani onokulingana noMboleko weMali?
Nabani na oneminyaka engama-62 abanemakhaya abanakho ukufumana ilungelo lokubuyisela imali xa kukho ukulingana okwaneleyo ekhaya. Nguye umkhabi, onokulingana okwaneleyo ukufumana imali, njengokuba ngokuqhelekileyo, isikhundla sokulingana sama-20% asanele. Ukuba kukho ukulingana okwaneleyo, kwenzeka ntoni emva koko?
- Imali mboleko ekhoyo iya kuhlawulwa.
- Ukugcinwa / ukulungiswa okufunekayo kuya kufuneka, ukuba kuyimfuneko.
- Iziphumo ze-FICO azisebenzi kwaye imbali yeebhanki ayikho nto.
Uninzi Kangakanani Ukubuyisela Imali Imali?
Njengomboleko oqhelekileyo, abolekayo bahlawula imali ukuze bafumane imali. Ezi ntlawulo zinokufakwa kwi-mboleko kunye nezimali. Ngenxa yokuba akukho "iindleko eziqhelekileyo," iirhafu ziyahlukahluka ngokuxhomekeke kumboleki, abathengisi benkampani yesithathu kunye nohlobo lwemboleko ekhethiweyo.
Ngokuqhelekileyo, iifizi ziphezulu kakhulu. Ngokwenene, abolekayo bahlawula:
- Iimali-mali ze-inshurensi zemali. Le nshurensi ihlawula ilahleko kumbolekisi ukuba ikhaya lakho lixabiso elingaphantsi kwexabiso elifunekayo ekupheleni kwemboleko yakho.
- Iindleko zenyanga zenyanga. Ababoleki bahlawulisa umboleki ukuhlawula iintlawulo zenyanga.
- Iingongoma zemali okanye imali yesicelo. Le ntlawulo ikhulisa ukubuya kwe-mboleko kwi-mali. Yiyo le mirhumo ephantsi kohlolisiso oluninzi.
- Iindleko zokuvala eziqhelekileyo. Imali yokuvala iquka iintlawulo zokurekhoda, i-ejenti yokuvala okanye yokuvala, umgaqo-nkqubo , njl njl.
Ungakuboleka Kangakanani?
Inani lemali-mboleko ekhoyo lixhomekeke kuhlobo lwenkqubo yemboleko ekhethiweyo, ubuninzi belixa-mali lihlala emva kokuhlawula imali ekhoyo ekhoyo kunye nomntu obolekayo. I-Wells Fargo yiyona eyisiqalo esiphezulu semali yokuthenga imali.
Ndifumene i-calculator esebenzayo kwi-intanethi kwiWebhsayithi ye-Wells Fargo: I-Wells Fargo Loan Calculator. Ndaphakamisela ineminyaka engama-65 kwaye ikhaya elikhululekile nelisicacileyo libiza ama-500,000. Ukuhlawula i-HECM yonyaka (i-Equity Equity Conversion Mortgage) i-calculator ibuyele iindleko zokuvala ezilinganisiweyo ze-20,943 zamaRandi, kunye nenkokhelo yentlawulo efumanekayo ye-129,614 yezigidi, ephethe inzala yonyaka ka-8.67%, enokunyuka iphinde ibe ngama-13.67% ngaphezulu kwekota mboleko. Intlawulo nganye yenyanga ekhoyo kule mboleko i $ 949. Nangona kunjalo, kwiminyaka engama-75, loo ntlawulo yenyanga ihamba kwi-$ 1,401.
Ziziphi iintlobo zeeNkqubo ezifumanekayo?
Abambalwa ababolekisi banikezela ngemali-mboleko yesigxina. Ubuninzi bezinye iinkqubo zokubambisa imali zixhaswa ngemali ngokuhlawulwa kwemali mboleko . Inzala ingakwazi ukulungelelaniswa ngenyanga okanye ngonyaka.
- Ababoleki bahlawula umda, ohluka phakathi kwababolekisi.
- Umda, xa ufakwe kwireyithi yesahluli , iya kulingana nenani lentengo.
- Amanani omdla aqhelekile, oko kuthetha ukuba izinga lingeniswa kwizinga eliphezulu kwaye akukho phezulu. Iipops ziqala ukusuka kuma-5 ukuya kuma-6 ekhulwini kwizinga lokuguqula ngonyaka kunye neepesenti ezi-10 ukuya kuma-11 kwinqanaba elilungelelaniswayo ngenyanga.
Uhlobo oluthandwayo kakhulu lwemali yokubolekisa namhlanje yi-Home Equity Conversion Mortgage, eqinisekisiwe yiSebe leZindlu leMelika kunye noPhuhliso lweMihlaba.
"I-HomeKeeper Mortgage" isuka kuFannie Mae. UFannie Mae uthengisa iimali zokuhlala eziqhelekileyo, uzibuyisela kwakhona aze athengise njengezobambiso kubasomali. Ukusebenzisa i-Wells Fargo Reverse Mortgage Calculator kunye nemeko yangaphambili, kwiminyaka engama-65 ubudala, i-HomeKeeper mortgage iya kuhlawula i-$ 587 ngenyanga kunye ne-$ 1,381 kwiminyaka eyi-75.
Ungayifumana phi iNgxowa-mali yokuTshintshela?
Abaninzi bemali mboleko kunye namaziko amakhulu okubolekisa ngemali ahlawula iimveliso zempahla.
- I-National Reserve Mortgage Lenders Association ipapasha uluhlu, luhlanjwe ngurhulumente, ababolekisi abavunyiweyo abavela kwimithwalo-mboleko ye-reverse.
- Isebe leZindlu kunye noPhuhliso lweMihlaba lupapasha uluhlu lwababoleki abavunyiweyo be-HUD. Khumbula ukukhangela ibhokisi enqanda ukukhangela kubalimi abagqibile i-HECM mboleko kwiinyanga ezili-12 ezidlulileyo.