Ngaba Ufanele Uhlaziye xa iiRhafu ziphantsi?
Ekugqibeleni, yintoni inqanaba lesenzalo elingaphantsi lithetha kuwe? Kule nqaku, siza kuxubusha umboleko wempahla omele uyenze uqikelele ngethuba lexesha lokunciphisa inzala.
Iimali eziNcinane zeNzala kunye neeMali eziPhakamileyo zeMali
Ukunciphisa amaxabiso enzala yi-Federal Reserve ayibangela ukuba kubekho amazinga angaphantsi kwee -mortgage rate . Oku kungenxa yokuba iinqununu zentlawulo, kungekhona ireyithi yeFund, ukuqhuba ireyithi yokubambisa imali.
Mhlawumbi uye wakuva ukuba kunengqiqo ukuhlaziya imali yakho yokuthenga imali ukuba inqanaba elitsha lomyinge ubuncinane ubuncinane beepesenti eziphantsi kwezinga lakho langoku. Ulibale le ngcebiso. Kungenzeka ukusebenza kwiintsuku xa unokufumana kuphela umyinge wemali engama-30 ubudala, kodwa awusebenzi kwiimarike zezimali zanamhlanje apho kukho iindlela ezininzi zokuxhasa imali yakho kwikhaya lakho, kubandakanywa iimali zokugcina imali ngokwemigangatho ye-15, 20, okanye iminyaka engama-30, iimali-mboleko zebhaluni zeminyaka emihlanu kunye nesikhombisa, kunye neentlobo ezahlukeneyo zee- Mortg Rate Rates (ARMs).
Nangona ungeke ukwazi ukuhlawula intlawulo yakho yenyanga ngokuhlaziya, kuya kusengqiqweni ukuba uhlaziywe ukuba unokutshintsha ukungakhuselekanga kwe-ARM ukuzinza kwezinga elimisiweyo.
UMarshall Loeb we-CBSMarketWatch.com unikeza izikhokelo zokukunceda ukuba unqume ukuba kulungiswe, kwincwadi yakhe yeeveki ezingama-52 ukuya kwi-Financial Fitness .
Iimali eziNcinane zeNzala kunye neNguqulelo yokuThengiswa kwemali (ARMs)
Izithintelo ezingenakuthi zihlawulwe, ixabiso lokuguqula imali elitshintshileyo lichaphazeleka ngakumbi kwiinguqulelo zeFed ngenxa yokuba le ntlobo yemboleko ilandela amanani omyinge wexeshana, njenge-Bill of Bill (T-bill), elandela i-Fed rate.
Kodwa nini i-ARM yenza ingqiqo? Ukuba uceba ukuhlala kwikhaya iminyaka embalwa kwaye unokufumana i-ARM ngokungaphantsi kwexabiso elithinteleyo lemali, ungaphuma phambili ngokuya kwi-ARM. Amanani e-mortgage agqityiweyo ayenziwa ngabantu abanokuba nobunzima bokufaneleka kwemali mboleko kwizinga eliphezulu. Isilinganiso se-ARM esezantsi sinciphisa intlawulo yabo yenyanga, okwenza kube lula ngabo ukuba bafanele ukuboleka imali mboleko kwindawo yokuqala.
Ukuba, ngakolunye uhlangothi, sele usenayo i-ARM kwaye uceba ukuhlala endlwini yakho ixesha elide, qwalasela ukungena kwii-today's attractive mortgage rates.
Iimali zenzalo ezantsi kunye neNkxaso-mali yeMakhaya
Izinga lokubolekwa kwemali yokulingana kwasekhaya lilandela izinga lokubaluleka, ngoko ke bachaphazeleka ngqo kwizinga le-interest le-Fed kwaye liyancipha, nangona lihlala liphezulu kunamazinga athengiswayo.
Xa ixabiso lentengo liphantsi, lixesha elihle lokuthatha imali mboleko yemali (kodwa kungenjalo i-home equity line credit, esebenza ngokuhlukileyo). Kodwa kufuneka uqaphele xa ucinga ngemali mboleko yemali kwaye uthabathe kuphela ngaphandle ukuba uqondakala ngemali.
Ukwenza iSigqibo soNyaka
Ukuba uthatha isigqibo sokuhlaziya, qha ga mshelana nomthengisi wakho wangoku ukuze ubone ukuba unokuxoxa nabo ukuba ulahle ezinye iindleko zokuvala.
Ukuba oku kungasebenzi, unako ukubiza ababolekisi basekuhlaleni ngolwazi lwezinga. Namhlanje, indlela engcono yokukhangela kunye nokuthelekisa i-mortgages ukwenza njalo kwi-intanethi kwenye yeewebhu ezininzi ezinikezela le nkonzo, njenge-quickenloans.com, okanye i-bankrate.com, ukubiza nje ezimbalwa. Uninzi lwee-brokerages kwi-intanethi luyakukuvumela ukuba ufake isicelo semali mboleko kwi-intanethi.
Ukuba amaxabiso aphantsi kwaye usemarikeni yesaxabiso esezantsi, ungathandabuzi ukuphanda ukuba unako ukugcina imali ngokuhlaziya.