Iziseko zeMali-mboleko yeHybrid
Imali-mboleko ye-Hybrid ivela ngeendlela ezahlukeneyo, kwaye ziyaziwa kakhulu kwiimali-mboleko zasekhaya.
Ziyi "hybrid" (okanye umxube) weemali-mboleko ezilinganiselweyo kunye neentengo zokubolekiswa kwee-mortgages (ARMs) -nokuba ufumana ezinye zeenzuzo zohlobo ngalunye lwemboleko.
Iimali-mboleko ezilinganiselweyo ziqikelelwa : Uyazi ukuba inzala yakho iya kuba yintoni ebomini yakho mboleko, kwaye uhlala uyazi ukuba iintlawulo zakho zenyanga ziya kuba ziphi. Imali-mboleko ye-hybrid inikezela ukuba ukuzinza iminyaka eyi-10 ngaphambi kokuba ulungiso luqale.
Iimali-mboleko ezilinganiswayo ngokuqhelekileyo ziyaqala ngezinga lentlawulo ephantsi, kwaye ixabiso elincinci liphumela ekuhlawuleni kwenyanga. Nangona kunjalo, ukuba ixabiso lentengo liphakama , iintlawulo zakho zenyanga ziyakhula, enenkinga xa ungenayo ukuhamba kwemali ukukhupha iintlawulo eziphezulu.
Xa Ba sebenza Ngcono
Le nqanaba ephantsi yokuqala ihamba nomngcipheko othile. Kodwa i-hybrids ingenza ingqiqo kwiimeko ezifanelekileyo.
Ixesha elifutshane: Ukuba uceba ukuhamba okanye ukuhlaziywa kwiminyaka embalwa nje, unokusebenzisa inqanaba elincinane ngaphambi kokuba ulungiso luqale.
Kodwa ukuba izicwangciso zitshintsha kwaye ugcina ingxowa-mboleko, icebo linokubuyela.
Ukuhlawulwa kwangaphambili: Unokunciphisa umngcipheko wakho ngokwenza iintlawulo ezongezelelweyo ezongezelelweyo- nangaphezulu nangaphezulu kweentlawulo zakho ezifunekayo ngenyanga. Ukuba uhlawula phantsi ibhalansi yakho mboleko ngokukhawuleza, unokukwazi ukukhupha amazinga aphezulu kwaye ugweme ukutshatyalaliswa okukhulu kwenkokhelo.
Amanani aphantsi: Ukuba amaxabiso ahlala abeka okanye ahamba ngaphantsi, uya kuxhamla kuloo nqanaba eliphantsi lokuqalisa kwixesha elide. Kodwa ukuxela kwangaphambili ilukhuni, ngoko yenza isicwangciso sokulondoloza xa kuthe kwavela amaxabiso.
Indlela Abasebenza ngayo
Imali-mboleko ye-Hybrid iqala ngezinga elingaphantsi komyinge weminyaka engama-30 ubudala, kodwa izinga lingatshintsha emva kweminyaka emininzi. Ababolekisi ngokuqhelekileyo banciphisa ukuba izinga lakho liguquka kangakanani ngonyaka kwaye ngaphezu kobomi bembolekiso, unikezela ukhuseleko xa ixabiso liphakama ngokuphawulekayo.
Umzekelo: Cinga inani lemali-mboleko ye $ 200,000.
- Imali-mboleko yeminyaka engama-30 enomyinge onomyinge we-interest rate ye-4.25 ekhulwini iya kubakho ukuhlawulwa ngenyanga ngenyanga ka-$ 983.88 (funda ukubala iintlawulo zenyanga , okanye usebenzise ispredishithi ukwenza njalo). Intlawulo nganye yenyanga ayiyi kutshintsha.
- I-5 / i-ARM inomyinge we-3.4 wepesenti uqala ngenkokhelo yenyanga ye-886.96 ye-$ 96.92 ngenyanga. Emva kweminyaka emihlanu, inzala kunye nenkokhelo yenyanga iyakwandisa okanye iyancipha.
Ixesha elixilisiweyo: I-ARM ye-hybrid isetyenziswa ngokuqhelekileyo kwisilinganiselo esinqunyiwe kwisithuba seminyaka emithathu, ezintlanu, ezisixhenxe, okanye ezi-10. Ngelo xesha, inzala yakho yokuqala yenzalo kunye neentlawulo zenyanga zihlala zifana. Xa uphando ngemali-mboleko ye-hybrid, inombolo yokuqala ibonisiwe ukuba ixesha elide lide lide lini.
Ukusebenzisa i-5 / i-ARM echazwe ngasentla, isantya sihlala sisinye kwiminyaka emihlanu yokuqala. Imali eyi-10/1 yokubambisa i-hybrid izakugcina isantya sokuqala iminyaka elishumi.
Ixesha lohlengahlengiso: Emva kokuba ixesha elimisiweyo liphelile, inzala inokutshintsha, kwaye inombolo yesibini egameni lomboleko lixelela ukuba kaninzi kwenzeka ntoni. I-5/1 i-ARM ingakwazi ukulungelelanisa yonke iminyaka (enye) iminyaka yobomi obuleleyo.
Iintlawulo zenyanga: Ukuba izinga lomyinge litshintsha, intlawulo yakho yenyanga iya kutshintsha. Iintlawulo zemboleko zibalwe ukuhlawula ityala lakho-kwaye ihlawule iindleko zenzalo-phezu kobomi obusalayo bakho mboleko . Iirhafu zenzalo ephakamileyo zifuna iintlawulo eziphezulu zenyanga, yaye ngokuqhelekileyo oko kuyimangaliso engabonakaliyo kubabolekayo. Kodwa iirhafu nazo ziyawa.
IiTshintshi zeeRhafu?
Izinto ezibini ezibalulekileyo zichaphazela izinga lakho. Umboleki wakho uqala ngezinga lokutsalathisa, kwaye wongezelela ukusabalala.
Ikhompyutheni: Iibhenkmarks kunye namazinga omdla kulo qoqosho olubanzi lichaphazela izinga lakho lokuguqula. Imali-mboleko ye-Hybrid idibaniswe nesalathisi, esinika indawo yokuqala yesilinganiso sakho. Umzekelo, umboleko wakho unokusebenzisa i- London Interbank Isilinganiselo (LIBOR) njengesalathisi. Njengoko lelo nqanaba lihamba liphezulu kwaye lihla, inani le-mboleko yakho linokuhamba kunye nalo.
Ukusabalalisa: Ababoleki bongeza imali eyaziwa ngokuthi "ukusasazeka" okanye "umda" ukufika kwizinga lakho lokugqibela. Le ntlawulo yenzalo eyongezelelweyo inikezela ukuhlawulwa kwabathengiweyo.
Umzekelo: Cinga ukuba unomboleko ohlambulukileyo owenziwe ngexesha lokulungiswa. U-LIBOR oneminyaka eyi-1 ngoku okwangama-2 ekhulwini. Ukusasazeka kwemali mboleko yakho ngu-2.25 ekhulwini. Inzala yemali yakho mboleko iya kutshintshela kuma-4.25 ekhulwini (2 ekhulwini kunye no-2.25 pesenti).
Iikhwi zexabiso: Uninzi lwemali-mboleko ye-hybrid linciphisa okanye "i-cap" ingaba inzala engakanani inokutshintsha. Ezi ntlobo zinciphisa umngcipheko kubbolekayo ngokuthintela ukunyuka kwezinga elingenamkhawulo.
- Iifowuni zokuqala zinciphisa ukuba izinga lakho lingatshintsha njani kwisilungiso sakho sokuqala emva kokugqiba ixesha elimisiweyo. Ngokomzekelo, ukuba isalathisi sihamba ngeepesenti ezingama-3 kodwa unayo i-cap yepesenti ye-2, izinga lakho liza kuhambisa i-2 ekhulwini.
- Iikhonkco zexesha elide likhawulela ukuba izinga litshintsha njani kwimeko nganye yokulungiswa. Ngokomzekelo, isantya sinako ukutshintsha akukho ngaphezu kweepesenti ezimbini ngonyaka.
- Iifowuni zokuphila zibeka umda osemgangathweni kwiinguqu ezipheleleyo malunga nobomi bakho. Ukuba amaxabiso aphakanyiswa ukuba athabathe eso sikhephe emva kokuba utshintsho oluthile, amaxabiso akayi kunyusa ngokuya phambili.
Iimali-mboleko ze-Hybrid ziyafumaneka kubaboleki abaqhelekileyo, kwaye ungasebenzisa iinkqubo zikaRhulumente ezifana ne-FHA kunye ne-VA iimali-mboleko ukwenza kube lula ukufaneleka. Iimali mboleko ezixhaswa nguRhulumente zingcono kakhulu ukuba uceba ukwenza intlawulo encinci okanye unemiba yakho kwimbali yakho yeebhanki, kodwa ungayihoyi imali mboleko.
Ukuba i-credit yakho idinga ukunyusa, unokuzuza kwiirhafu ezingaphantsi kwimihla yokuqala yemboleko ye-hybrid, kunye neentlawulo zakho zexesha kufuneka zikuncede ukuphucula i-credit yakho . Nangona kunjalo, ukufaneleka kwezinga elingcono phantsi kwendlela akuqinisekanga-ngakumbi ukuba amaxabiso aphakama ngokukhawuleza.