Amaqiniso kunye neengozi zeeNgxowa-mali zeminyaka engama-50
Iminyaka-mali engama-50 yokubolekwa kwemali mboleko ihlawulwe ihlawulwe ngaphezulu kweminyaka engama-50. Ngenxa yokuba ixesha lokuboleka imali lide kakhulu, iintlawulo zenyanga ziphantsi kakhulu ngokwezinye iimali-mboleko. Imali-mboleko yeminyaka engama-50 isetyenziselwa nje njengethuluzi lokuhamba kwemali kwaye ayisoze yahlawulwa ngaphezu kweminyaka engama-50. Makhe sifumane iinkcukacha malunga nendlela yokusebenza kweminyaka engama-50 e-mortgages isebenza ngayo nokuba ingafanelekile.
Isiseko seMinyaka engama-50
Ubuninzi beminyaka engama-50 e-mortgages ehlawulwayo .
Zakhiwe ukuze uhlawule umboleko weminyaka engama-50. Oku kudala, kuba amaninzi amabhonti ayeneminyaka eyi-15 okanye engama-30 ubudala. Nokuba ngaba awuyi kugcina iminyaka engama-50 yemali mboleko yeminyaka engamashumi ama-50, umbolekisi udibene nexesha elingama-50 engqondweni. Kunzima ukufumana iimali-mboleko zasekhaya eziyilwe ngehora le-50 leminyaka (okanye ngaphezulu).
Kutheni uSebenzisa iminyaka engama-50?
Uninzi lwabantu lukhetha i-mortgage ngonyaka engama-50 ngenkokhelo ephantsi yenyanga. Ukuba usebenzisa i-mortgage yeminyaka eyi-15 okanye engama-30, intlawulo yakho yenyanga iya phezulu. Ngokudlulisa imali mboleko, iintlawulo zenyanga ziyancipha ngokukhawuleza.
Unokubamba nge-calculator yokuthenga imali ukuze uzibonele indlela oku kusebenza ngayo. Sitshintsha ixesha elide ukusuka kwi-15 ukuya kwi-30 ukuya kwiminyaka eyi-50 kwaye ubukele indlela inkokhelo yenyanga eguquka ngayo.
Iingxaki ngeeMali ezingama-50 zeminyaka
Nangona iintlawulo eziphantsi kwenyanga ziyakunqwenela, zihlala zihlala zorhwebo. Ukusebenzisa i-mortgage ngonyaka wama-50 kuthetha ukuba uza kuhlawula ngaphezulu kwaye uza kwakha ubulungisa ngokukhawuleza.
Ngokusebenzisa enye yababalawuli kwikhonkco elingentla (okanye i- calculator loan calculator ), uya kubona ukuba iindleko zenzalo ezipheleleyo ziphezulu kakhulu kunye ne-50 year mortgage.
Akukhona nje ixesha elide elenza iindleko zenzalo. Imali-mboleko yeminyaka engama-50 ifike ngezinga eliphezulu. Lindela ukuhlawula enye eyongezelelweyo .25% okanye ngaphezulu kunokuba ungayifumana iminyaka engama-30.
Ukuba ukhangele iminyaka engama-50 ubudala, kufuneka uzibuze: Ngaba ndiyithenga ngakumbi ikhaya elingenako ukufumana?
Ukuhlawula imali ephantsi: Imali
Xa sithetha ngeemali-mboleko, njengama-mortgages eminyaka engama-30 okanye i-mortgages yeminyaka engama-50, sithetha ukuba kuya kuthatha ixesha elingakanani ukuhlawula umboleko. Ngentlawulo nganye yenyanga, uhlawula umdla kwaye uhlawula inxalenye yesikhaliso semali mboleko. Ngomyinge weminyaka engama-50, intlawulo yakho yokugqibela ngonyaka wama-50 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 i-Mortgage Year
Umyinge weminyaka engama-50 ungaphelela. 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-50 yemali mboleko. Unokufumana inhlanhla eninzi ukufumana umboleko wenzalo kuphela okanye iminyaka engama-50 yemali mboleko ngokuxhomekeka 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.