Isiseko seMinyaka engama-40 e-Mortgages
Uninzi lwama-mortgages aneminyaka engama-40 ahlawulwa ngemali .
Zakhelwe ukuze uhlawule umboleko kwiminyaka engama-40. Oku kudala, kuba amaninzi amabhonti ayeneminyaka eyi-15 okanye engama-30 ubudala. Nangona awuyi kugcina iminyaka engama-40 yokubolekwa kwemali kwiminyaka engama-40, umbolekisi wenzelwe iminyaka engama-40 engqondweni.
Kutheni Usebenzisa iMali yokuThomba iminyaka engama-40?
Uninzi lwabantu abakhetha i-mortgage ngonyaka engama-40 benza njalo ngenxa yokuba bafuna ukuhlawula iinyanga eziphantsi. Ukuba usebenzisa i-mortgage yeminyaka eyi-15 okanye engama-30, intlawulo yakho yenyanga iya phezulu. Ngokudlulisa imali mboleko, iintlawulo zenyanga ziyancipha.
Unokubamba nge- calculator yokuthenga imali ukuze uzibonele indlela oku kusebenza ngayo. Sitshintsha ixesha elide ukusuka kwi- 15 ukuya kwi-30 ukuya kwiminyaka engama-40 kwaye ujonge indlela ukuhlawula kwenyanga ukutshintsha ngayo.
Iingxaki ngee-Mortgage Year 40
Nangona iintlawulo eziphantsi kwenyanga ziyakunqwenela, zihlala zihlala zorhwebo. Ukusebenzisa i-mortgage ngonyaka wama-40 kuthetha ukuba uya kuhlawula ngaphezulu kwaye uza kwakha ubulungisa ngokukhawuleza. Ngokusebenzisa enye yababala kwikhonkco elingentla ngasentla (okanye i-calculator loan calculation calculator) uya kubona ukuba iindleko zenzalo ezipheleleyo ziphezulu.
Akukhona nje ixesha elide elenza iindleko zenzalo. Iminyaka e-40 yemali yokubolekwa kwemali ifike ngezinga eliphezulu . Lindela ukuhlawula enye eyongezelelweyo .25% okanye ngaphezulu kunokuba ungayifumana iminyaka engama-30.
Ukuba ukhangele iminyaka engama-40 ubudala, kufuneka uzibuze: Ngaba ndiyithenga enye indlu kunokuba ndinako ukuthenga ?
Imali yokuThengiswa kwemali engama-40
Xa sithetha ngeemali-mboleko, njengama-mortgages eminyaka engama-30 okanye iimali-mboleko zeminyaka engama-40, sithetha ukuba kuya kuthatha ixesha elingakanani ukuhlawula umboleko. Ngentlawulo nganye yenyanga, uhlawula umdla kwaye uhlawula inxalenye yesikhaliso semali mboleko . Ngomyinge weminyaka engama-40, intlawulo yakho yokugqibela ngonyaka wama-40 iya kuhlawula ngokupheleleyo loo mboleko.
Inkqubo yokuhlawula i-mboleko ibizwa ngokuthi 'ukubuyiswa kwemali'.
Xa utshintshe inxalenye ethile yemboleko ( inzala okanye ixesha elide lokulibuyisela, umzekelo), utshintshe ukuba kungekudala uza kulungiswa njani. Ngokwandisa ixesha, umboleko uhlawulela ngokukhawuleza.
Eminye imiSebenzi yeMinyaka engama-40
Iminyaka engama-40 yemali yokubolekisa inokuphelela. Ukuba wenza umsebenzi wesikolo wasekhaya kwaye usebenze ngokusondeleyo kunye nomboleki wakho, unokugqiba isigqibo sokuba yinto ekhethekileyo . Nangona kunjalo, kufuneka uqwalasele ezinye iindlela kwaye ulawule ngaphambi kokuba uqhubeke phambili.
Ngokuxhomekeke kwiinjongo zakho kunye nekhredithi yakho, inzala-mboleko kuphela inokufezekisa into efana ne-mortgage ngonyaka engama-40. Unokufumana inhlanhla eninzi ukufumana umboleko-mboleko kuphela okanye u-mortgage ngonyaka wama-40 kuye kuxhomekeke kwimarike. Jonga ukuba iibhanki zinikela ngaphambi kokwenza isigqibo.
Kufuneka ujonge kwakhona ukuboleka ngaphantsi kwaye usebenzise umboleko wesikhashana omfutshane .
Ukuba uthe watyula ukuthenga okungaphezulu kunokuba ufanele, kulula ukuba ungene kwingxaki kamva.