Ingaba isebenza kanjani
Intlawulo nganye nyanga ilingana nomyinge wenzalo ngeenqununu, kunye nepesenti encinci yenqununu ngokwayo.
Ekubeni enye yenqununu ihlawulwa inyanga nganye, leyo yenza intlawulo yenzalo kwiinqununu eziseleyo ziphantsi kakhulu. Ngenxa yoko, inkokhelo yakho yenyanga nganye iya kwinqununu nganye ngenyanga. Ngoko ke, ekuqaleni kokubolekwa kwemali, ininzi yentlawulo iya kwi-interest kodwa ininzi yayo iya kwinqununu ekupheleni komboleko.
Iimali zokuThengisa iMali
Umyinge wenzalo ngokuqhelekileyo uphakamileyo kakhulu kuneyo-30 yeminyaka- mboleko yeNondyebo ngexesha lokukhishwa kwemali. Kungenxa yokuba abatyali-mali bafuna into eyenza ukubuyisela ngaphandle kokufaka ingozi enkulu. Yileyo ndlela amanqaku kaNondyebo athinte ngayo ireyithi yokuthenga .
Inzuzo
Ukuxhamla kwezinga elimisiweyo lokuthengwa kwemali kukuba inkokhelo iyafana ngenyanga nganye. Oku kuqikelelwa kwenza kube lula ukucwangcisa uhlahlo lwabiwo-mali. Akufanele ukhathazeke ngeentlawulo eziphezulu zexesha elizayo njengawe ukwenza ngemali ehlawulwayo.
Uhlawula encinane inqununu ngenyanga. Oko ngokuzenzekelayo kwandisa ukulingana kwekhaya lakho. Oku akufani nomboleko wenzalo kuphela.
Unokwenza iintlawulo ezongezelelweyo ukuhlawula inqununu yakho ngaphambili. Iimali-mboleko ezininzi ezithe zazinzileyo azikho izigwebo zokuhlawulwa kwangaphambili . Kwakhona umboleko omkhulu ukuba ucinga ukuba inzala iya kunyuka kwiminyaka emininzi elandelayo.
Kungenxa yokuba isantya sakho sivalelwe.
Iingxaki
Ukungalindelekanga kukuba umyinge wenzalo uphezulu kunokuba umboleko wezinga lomlinganiselo okanye umboleko wenzalo kuphela . Oku kwenza ukuba kubize xa iirhafu zihlala zifana okanye ziwa kwixesha elizayo.
Enye inzuzo kukuba uhlawula inqununu ngezinga elincinci kuneemali mboleko. Kungenxa yokuba iintlawulo zeminyaka embalwa yokuqala zihamba ngokubhekiselele kumdla. Ngenxa yoko, oku akulungile ukuba uceba ukuthengisa indlu yakho ngaphakathi kweminyaka emi-5-10.
Kunzima ukufumana iimali-mboleko ezilinganisiweyo. Uya kuhlawula iindleko ezivaliweyo zokuvala umboleko oqhelekileyo. Zomibini zezi zizathu kukuba iibhanki zingaphulukana nemali xa amaxabiso ekhuphuka. Ingozi enkulu yokuba bathathe i-mboleko yeminyaka engama-30. Bafuna ukuhlawulelwa ukufihla loo mngcipheko. Ukuba uceba ukuhamba kwiminyaka emihlanu okanye ngaphantsi, fumana umboleko wezinga lomlinganiselo.
Qaphela
Abanye ababolekisi bemali mboleko baya kukuthengisa into ebizwa ngokuba yi-mortgage-rate mortgage apho ireyithi yenziwa kuphela kwiminyaka emihlanu yokuqala. Qinisekisa ukuba inzala yentsingiselo bayicacisa ukuba uyilungele ubomi bobolekiweyo.
Imboleko yemali engekho yindleko apho iindleko zokuvala zifakwa kwi-mboleko ngokwayo. Uvuselela ukuhlawula ngaphezu kokubaluleka kwemali mboleko ngenxa yokuba uhlawula umdla kulawo maxabiso okuvala.
Inkokhelo yakho yenyanga iyakhula xa iirhafu zezindlu, i-inshurensi yasekhaya, okanye i- inshurensi ye-mortgage yenyuka.
Iintlobo zeeNgxowa-mali eziHlomelo
- Iminyaka emi-5 engama-rate ye-mortgage-mortgage igcina inzala efanayo kwimihla yokuqala yesihlanu. Emva koko lijika libe ngumyinge we-mortgage rate. Inzuzo kukuba inzala yokuqala incinci kuneminyaka engama-30 ubudala. Ukungonakali kwenzeka ntoni emva kweminyaka emihlanu. Inzala yakho inokunyuka ngokukhawuleza, kuxhomekeke kwimivuzo engoku. Ngoko ke, le mboleko efanelekileyo ukuba uyaqiniseka ukuba uya kuthengisa ngaphakathi kweminyaka emihlanu.
- Imali -mboleko yeminyaka eyi-15 echanekileyo inomdla kakhulu kuba inexabiso elincinci lentlawulo. Kwakhona kukuvumela ukuba uhlawule inqununu ngokukhawuleza kunokuba umboleko weminyaka engama-30. Oko kuthetha ukuba ukwakha ubulungisa ngokukhawuleza. Ngakolunye uhlangothi, i-mortgages yeminyaka eyi-15 inemali ephezulu. Ngenxa yeso sizathu, kukho umngcipheko ophezulu wokungagqibekanga ukuba ingeniso yakho iyancipha.
- Imali -mboleko yeminyaka engama-30 yinto ehlawulwa kakhulu. Nangona inzala ephezulu, inkokhelo yenyanga iyaphantsi kuba ukuhlawulwa kwemali-mboleko kwandiswa ngaphezu kweminyaka engama-30. Le mboleko efanelekileyo ukuba uceba ukuhlala ekhayeni lakho ixesha elide. Kwakulungile ukuba iintsapho ezincinci zentlawulo kuba ivumela ukuba bathenge indlu eninzi ngeendleko zenyanga.
Inzala yomdla
Inzala yemithwalo yenzalo iyancipha ukususela ngo-1985. Kungenxa yokuba ukunyuka kwamaxabiso kuye kwalawulwa ukususela ngoko, ngenxa yemigaqo-mali yokwandisa ye-US Federal Reserve . Oku kuye kwabangela amaxabiso aphantsi kwiiBondle zeeNondyebo . Ngenxa yoko, izinga lentengo kwimali engama-30 engama-retirement rate liphantsi kwe-7 ekhulwini ukususela ngo-Matshi 2002.