Amanqanaba enzala ahlala ephantsi, athetha ngokudlulileyo. Intshayelelo ye-Mortgage Bankers Association (MBA) yakutshanje ifaka umfanekiso weemarike zangoku, kubonisa izinga elilinganiselwayo kunye neengongoma ezifunekayo ukuze zifumane ezo ntlawulo.
Uhlobo lwe mboleko | Avg. Umlinganiselo | Amaphuzu |
Iminyaka engama-30 echanekileyo (ihambisane) | 4.25 | 0.36 |
Iminyaka engama-30 egqibeleleyo (FHA) | 4.17 | 0.4 |
Iminyaka engama-30 egqibeleleyo (jumbo) | 4.13 | 0.21 |
Unyaka oneminyaka eli-15 | 3.65 | 0.34 |
5/1 ARM | 3.4 | 0.73 |
Uphando lwe-MBA luquka idatha esuka kuma-75 ekhulwini wee-mortgage izicelo, kwaye kuyisiqalo esihle se-ballpark rates. Kodwa ezo zicaphuno azikuxeleli oko ungayifumana-zingabantu ababolekileyo abahlukeneyo kunye neepropati ezahlukeneyo. Indlela yodwa yokufumana amaxabiso angcono okuhlaziywa okukhoyo kuwe kukungenisa izicelo. Ukuba unetyala elikhulu , ingeniso enamandla, kunye nobuninzi bokulingana, unokukwazi ukwenza okungcono kunamanani angentla.
Ukuthengwa kwiiRhafu zeRhafu eziNgcono
Ngamanye amaxesha i-shopping ithabile, kodwa loo nto ayifumanekanga xa kuthethwa kwimali-mboleko. Sekunjalo, kufuneka ufumane amanqaku amaninzi kwimithombo emininzi ukuze ufumane amaxabiso angcono okuhlaziya. Buza umboleki ngamnye kumlinganiselo wokuhlawula imali, oko kukubhaliweyo olusemthethweni abafunekayo ukuba bazukise.
Iingcaphulo ezintathu kufuneka zanele.
Qala kunye nekhredithi yakho ekhoyo, tyelela ibhanki yendawo okanye umanyano wekhredithi , kwaye ukhangele nabasunguli abazimele bemboleko. Ewe, intlungu yokuhamba kwinkqubo nganye, kodwa umele ugcine amawaka eedola kwiminyaka emininzi elandelayo. Ubuncinane umboleki omnye kufuneka afune ukukhuphisana nebhishini lakho.
Uya kufunda ezininzi ngethuba le nkqubo, kwaye uya kuziva ukuba yeyiphi i-lender yindlela efanelekileyo yokuhlaziya.
Ukuthenga ngeenxa zonke kubalulekile. Izibhengezo kunye nemilinganiselo kazwelonke inokuqalisa, kodwa awukwazi ukuba uyintoni na ukuba ufumane iingcaciso ezifana nekhredithi yakho, imali engenayo kunye nokulingana.
Lungiselela Iimali Zakho
Ukuze uhlaziywe kwizinga eliphezulu kakhulu ezikhoyo, thabatha amanyathelo okuphucula iphrofayili yakho. Ungaqalisa ngaphambi kokuba ugcwalise isicelo.
Yenza isivuno sakho kwisikwereti: Yenza ingxelo yekhredithi yehhafu kwaye ubuyekeze imbali yakho yekhredithi.
- Hlaziya naziphi na iimpazamo ezingakukhusela ukuba uvumeleke kwiiprogram eziphambili ezikhoyo. Ufuna ukufumana umlinganiselo ofanelekile.
- Gcina izilinganiso zekhadi lesikweletu phantsi, nangona ubahlawula ngokupheleleyo nyanga zonke. Ngokuxhomekeke ekubeni ngababolekisi bathabatha inkokhelo yakho, ibhalansi ephezulu ingalimaza amathuba akho okufumana umgangatho ophezulu.
Nciphise ityala lakho:
- Ukuhlawula izilinganiso kwimali-mboleko-kubandakanywa namakhadi-ngetyala-kwaye uhlawule ezinye iimali-mboleko njengemali-mboleko yemali kunye nemali mboleko yakho , ukuba kunokwenzeka. Oku kuya kunciphisa umrhumo obolekwa ngabanye bemboleko ngenyanga kwaye uphucule umlinganiselo wakho weetyala-kuya-ngeniso . Ulungelelaniso olungcono lubhekisela kumazinga angcono.
- Gwema ukuthenga okukhulu. Imboleko entsha yokuthenga imoto (okanye nayiphi na enye into) iya kubangela ubuhlungu bakho kubalo kunye nekhredithi yakho .
Ukwandisa ukulingana kwekhaya: Kunokwenzeka ukuhlaziywa ngokulinganayo kwii-digit-digit, kwaye ezinye iinkqubo zikaRhulumente zivumela ukuhlaziywa ngokulinganayo. Kodwa iirhafu ezingcono kakhulu kunye neenkqubo zemboleko zifumaneka kubabolekayo ngokulinganayo. Ukuzisa ukulingana kwakho ukuya kuma-20 ekhulwini okanye ngaphezulu kuya kukwandisa ukhetho olukhoyo kuwe kwaye kwenze kube lula ukufumana iinkqubo ezinjenge-jumbo mboleko . Njengobhonasi, akuyi kufuneka ukuhlawula i- inshurensi yokuthenga . Ukuba unayo imali ekhoyo, cela umboleki wakho ukuba ukuhlawula imali yakho yokuthenga imali kunokukunceda ufumane amazinga angcono.
Imali Ngamaxabiso aphantsi
Amanqaku akho kunye neirati zakho zamatyala zichaphazela amandla akho okuhlaziya. Kodwa ukuba ufumana inzala engcono kakhulu yinjongo yakho ephambili, ungasebenzisa iindlela zokubolekisa imali ezongezelela ixabiso lakho.
Zama amagama amancinci: I-classic -mortgage rate rate -year - level igcina iintlawulo eziphantsi.
Kodwa iimali-mboleko zexeshana ezimfutshane ziba neerhafu eziphantsi, nangona zikhokelela kwiintlawulo eziphezulu zenyanga .
- Imali-mboleko yeminyaka eyi-15: Ukususela kwi-survey ye-MBA ngasentla, umlinganiselo weminyaka eli-15 ngowama-0.6 ekhulwini ngaphantsi komyinge weminyaka engama-30. Ukuhlanganiswa kwexesha elincinci lokubuyisela kunye nezinga elincinci kunokubangela ukunyusa inzala ebalulekileyo kwixesha lakho lobomi.
- Imali-mboleko yemilinganiselo (ARMs): Unokufumana amaxabiso angaphantsi okuhlaziya kunye ne-ARM . Kodwa ukuba amaxabiso aphakama, izinga lakho lokuthenga ngemali lingahamba nabo , kwaye ubhekane neentlawulo eziphezulu zenyanga kunye neendleko zenzalo.
Cinga ngeeprogram zikaRhulumente: Iingeniso zenzalo zibophelelwe umngcipheko mngcipheko kubaboleki ziguqulela kwisilinganiso esincinane kuwe. Iinkqubo zemboleko zemali ezixhaswa nguRhulumente zikhusela ababolekisi, ngoko banokukunceda kakhulu xa unemiba kwiimbali zakho zemali okanye ngokulinganayo. Awukwazi ukufumana ixabiso lentengo ephantsi xa ulungiswa ngemboleko ka rhu lumente, kodwa uvumelekile ukuba ufumaneke, kwaye isantya sinokuba ngcono kunezinto ezifumaneka kwiimboleko eziqhelekileyo.
Bhatala indlela yakho: Kuzama ukukhetha iimali mboleko ngeendleko zokuvala eziphantsi (okanye akukho zindleko zokuvala ). Kodwa loo mboleko ayikho iindleko zokuvala ezihlawulelwayo mahhala ngaphandle kwe-pocket ikuvumela ukuba unciphise izinga lakho kunye ne-balance loan yakho. Isiphumo? Uya kuchitha imali encinane kwinzala kwiminyaka ezayo. Unako ukuhlawula amanqaku okuphuhlisa okukhethiweyo ukuze uhlawule umlinganiselo wakho-cela umnini-mboleko wakho oko okukhethwa kukho. Ukuba sele uceba ukugcina imali mboleko yakho, ingqiqo yenza ukuba uhlawule i-pocket.