Indlela yokubala Intlawulo yakho yokuThengiswa kweMali: Fixed, Variable, and More

Izibalo neeSpredishithi zamahhala

Ukuqonda ukuthenga imali yakho kukunceda wenze izigqibo ezingcono zezezimali. Esikhundleni sokuba nje uthembele okulungileyo, uhlawulela ukubheka iinombolo ezimalunga nemboleko-ngakumbi ingxowa-mboleko efana nemali mboleko yasekhaya.

Ukubala i-mortgage, uzakufuna iinkcukacha ezimbalwa malunga nomboleko. Emva koko, unokwenza konke ngesandla okanye usebenzisa ama-calculator ase-intanethi kunye nama-spreadsheets ukuze udibanise amanani.

Uninzi lwabantu lujolise kuphela kwiintlawulo zenyanga, kodwa kukho ezinye iinkcukacha ezibalulekileyo oza kufuneka uziqwalasele.

Eli nqaku libonisa:

• Indlela yokubala intlawulo yenyanga nganye yeemali-mboleko ezahlukeneyo zasekhaya.
• Ingakanani uhlawula ngayo inzala nganye ngenyanga, nangaphezulu komboleki.
• Ingakanani uhlawula ngokwenene-okanye ubuninzi bendlu yakho oya kuba yeyakho na kunini na ixesha.

Iziphumo

Qalisa inkqubo ngokuqokelela ulwazi olufunekayo ukubala iintlawulo zakho kunye nezinye iinkalo zemboleko. Ufuna iinkcukacha ezilandelayo:

• Isixa- mboleko okanye "inqununu." Le yintengo yokuthenga ekhaya, nciphise nayiphi intlawulo, nangona ezinye iindleko zingeniswa kwiboleko.
• Inzala yemali mboleko. Oku akusiyo i-APR , ekwabandakanya iindleko zokuvala .
• Inani leminyaka kufuneka uhlawule, eyaziwa njengegama
• Uhlobo lomboleko : umyinge ochanekileyo, inzala-kuphela, ulungelelaniso, njl.
• Ixabiso lentengiso lekhaya
• Ingeniso yakho yenyanga

Izibalo zeeMali ezahlukeneyo

Ukubala oyisebenzisayo kuya kuxhomekeka kulolu hlobo lwemali mboleko.

Ininzi yemali mboleko yekhaya iyimali-mboleko yemirhumo . Ngokomzekelo, umyinge weminyaka engama-30 okanye iminyaka eyi-15 yemali-mboleko yokugcina imali igcina inzala efanayo kunye nenkokhelo yenyanga nganye yobomi bemboleko.

Kule mboleko, le ndlela:

Ukuhlawulwa kwemali-mboleko = Ixabiso / iNkcazo yokuThengisa
okanye
P = A / D

Uzakusebenzisa ezi zinto zilandelayo:

• Inani leentlawulo zemihla ( n ) = Iintlawulo zonyaka ngamaxesha enani leminyaka

• Intlawulo yeNzala ( i ) = Inqanaba lonyaka lihlukaniswe inani lenkokhelo nganye
• Isaphulelo ( D ) = {[(1 + i) ^ n] - 1} / [i (1 + i) ^ n]

Umzekelo: Cinga ukuba uboleka i-$ 100,000 kuma-6 ekhulwini ngeminyaka engama-30, ukuhlawulwa ngenyanga. Iyintoni intlawulo yenyanga ( P )? Intlawulo nganye ngenyanga i-$ 599.55.

• n = 360 (iminyaka engama-30 ngokuphindwe ngama-12 iintlawulo zenyanga ngenyanga)
• i =. I-005 (iipesenti ezi-6 ngonyaka zivakaliswe njenge -06, zahlula nge-12 iintlawulo zenyanga nganye. Ukuze uthole iinkcukacha ezingaphezulu, jonga indlela yokuguqula iipesenti ukuya kufomati yedatha )
• D = 166.7916 ({[(1 + .005) ^ 360] - 1} / [.005 (1 + .005) ^ 360])
• P = A / D = 100,000 / 166.7916 = 599.55

Hlola izibalo zakho nge-spreadsheet ye-Loan Amortization Calculator.

Unomdla Omkhulu Owuhlawulayo?

Intlawulo yakho yokubambisa ibalulekile, kodwa kufuneka kwakhona ukwazi ukuba ulahlekelwa phi umyinge inyanga nganye. Isabelo sentlawulo nganye yenyanga siya kwiindleko zenzalo, kwaye intsalela ihlawula ibhalansi yakho mboleko. Qaphela ukuba usenokuba neerhafu kunye ne-inshorensi equka kwinkokhelo yakho yenyanga, kodwa ezo zihlukileyo kwiimali zakho zokubala.

Itheyibhile yokwenza imali ingakubonisa -inyanga-ngenyanga-kanye nento eyenzekayo ngentlawulo nganye. Unokwenza iitafile zentengiso ngesandla, okanye usebenzise i-calculator ye-intanethi kunye ne-spreadsheet ukuze wenze umsebenzi kuwe.

Khawubhekisise ukuba unomdla onjani ohlawulayo ngobomi bemboleko yakho. Ngolwazi, unokugqiba isigqibo sokuba ufuna ukugcina imali ngokuthi:

• Ukuboleka ngaphantsi (ngokukhetha ikhaya elingabizi kangako okanye ukwenza inkokhelo enkulu)
• Ukuhlawula inyanga nganye
• Ukufumana inzala engaphantsi
• Ukukhethwa kwemali-mboleko yexesha elifutshane (iminyaka eyi-15 endaweni yengama-30, umzekelo)

Inzala-kuphela Imali yokuThengwa kweMali

Imali-mboleko kuphela- ke kulula ukubala. Ukuba bhetele okanye ngakumbi, awuyi kuhlawula phantsi imali mboleko ngemali nganye efunekayo. Nangona kunjalo, unako ukuhlawula rhoqo ngenyanga nganye ukuba ufuna ukunciphisa ityala lakho.

Umzekelo: Cinga ukuba uboleka i-$ 100,000 kuma-6 ekhulwini, usebenzisa imali-mboleko yenzalo kuphela ngeentlawulo zenyanga. Iyintoni intlawulo ( P )? Intlawulo yi-$ 500.

Ukuhlawulwa kwemali-mboleko = Inani x (Intlawulo yeNzala / 12)
okanye
P = A xi

P = i-100,000 x (.06 / 12)

P = $ 500

Hlola izibalo zakho ne-Interest Only Calculator kwi-Google AmaSpredishithi.

Kulo mzekelo ukhankanywe ngentla, inkokhelo yenzalo kuphela i-$ 500, kwaye iya kuhlala ifana de kube yile:

1. Ukwenza iintlawulo ezongezelelweyo, ngaphezulu nangaphezulu kweyona ntlawulo encinane. Ukwenza njalo kuya kunciphisa ibhalansi yakho yemali mboleko, kodwa imali yakho efunekayo ayinakuguqulwa ngokukhawuleza.
2. Emva kwenani elithile leminyaka, kufuneka ukuba uqale ukwenza ukuhlawulwa kweentlawulo ukuphelisa ityala.
3. Imboleko yakho ingadinga ukuhlawula ibhaluni ukuhlawula ngokupheleleyo imali.

I-Rate-adjustment Rate Mortgage Calculation

Amanani e-mortgages rate (ARMs) anomlinganiselo wenzalo onokutshintsha, obangela ukuhlawulwa kwenyanga nyanga. Ukubala loo ntlawulo:

1. Misela ukuba zingaphi iinyanga okanye iintlawulo ezisele.
2. Yakha ishedyuli entsha yohlengahlengiso ixesha elide (jonga indlela yokwenza oko ).
3. Sebenzisa ibhalansi ebolekileyo yemali njengemali entsha yemboleko.
4. Faka inzala entsha (okanye intsha).

Umzekelo: Unayo ibhalansi ye -ARM ye-ARM ye-$ 100,000, kwaye kukho iminyaka elishumi ebolekelwe ngemboleko. Umyinge wakho wenzala uphathelene nokulungelelanisa kuma-5 ekhulwini. Yintoni eya kuhlawulwa yenyanga? Intlawulo iya kuba ngu-1,060.66.

Yazi ukuba Uninzi kangakanani (Ubulungisa)

Kubalulekile ukuqonda ubuninzi bekhaya lakho ngokwenene. Ngokuqinisekileyo, unayo ikhaya-kodwa de ihlawulwe, umnini-mboleko wakho unomdla okanye umnxeba kwipropati , ngoko ayikho into ecacileyo-ecacileyo. Imali eyakho, eyaziwa njenge- equity home, iyinani lemarike yasekhaya ngaphandle kwanoma yiyiphi imali ehlawulwayo.

Unokuba ufuna ukubala ubulungisa bakho ngezizathu ezininzi.

Umlinganiselo wakho wemali-mboleko (LTV) ibaluleke kakhulu kuba ababolekisi bajonga ubuncinane ubuncinane ngaphambi kokuvuma iimali-mboleko. Ukuba ufuna ukuhlaziywa okanye ufumanisa ukuba inkulu kangakanani inkokhelo yakho yokuhlawula kufuneka ihlale kwikhaya lakho elilandelayo, kufuneka ukwazi isilinganiso se-LTV.

Umthamo wakho uselungelelanise kangakanani ubuninzi bakho kwikhaya lakho. Ukuba nekhaya elilodwa leedola leedola ayikuthandi kakhulu ukuba unetyala le-999,000 kwipropati.

Unako ukuboleka kwikhaya usebenzisa i-mortgage yesibini kunye nemigca yokulingana yasekhredithi (ii-HELOCs) . Ababolekisi badla ngokukhetha i-LTV engaphantsi kwama-80 ekhulwini ukuvuma imboleko, kodwa abanye ababolekisi baya phezulu.

Ngaba Unako Ukuthintela Imali?

Ababolekisi bahlala beninika imali ebolekayo yokuba baya kukuvuma ukuba basebenzise imigangatho yabo yemilinganiselo eyamkelekileyo yamatyala-ngeniso . Nangona kunjalo, akudingeki ukuba uthathe ixabiso elipheleleyo-kwaye ngokuqhelekileyo kuluvo oluhle lokuboleka ngaphantsi kobuninzi obukhoyo.

Ngaphambi kokuba ufake isicelo sokubolekisa okanye uvakashele izindlu, jonga uhlahlo lwabiwo mali lwenyanga yonke kwaye unqume ukuba ukhululekile ukuchitha imali kwi-mortgage payment. Emva kokuba wenze isigqibo, qalisa ukuthetha nababolekisi kwaye ujonge ukulingana kwamatyala-kuya-ngeniso. Ukuba ukwenza ngenye indlela, ungase uqale ukuyothengela imizi ebiza kakhulu (kwaye usenokungathenga enye-echaphazela uhlahlo lwabiwo-mali kwaye ushiye ukuba usengozini kwizinto ezixakekileyo). Kungcono ukuthenga ngaphantsi kwaye ujabulise elinye igumbi elincinci kunokuba uzame ukuqhubeka neentlawulo.

Funda kabanzi malunga nendlela yokuboleka ngaphandle kokusa .