Indlela Yokuthenga Ngaphantsi Umhlala-mboleko

Ukuthengwa kwemali yokuthenga imali kunokunciphisa iintlawulo zakho zenyanga

Kwabaninzi abakbolekayo , ukuthenga ngemali yokuthenga imali kunokuncedisa ngakumbi kunomboleko oguqulwayo kunye nenkokhelo yokuhlawula evumela ukuba kubekho ukuchithwa okungekho nto njenge- ARM yokukhetha . Ukuthengwa kwemali kuhlawulela rhoqo kubandakanya inqununu kunye nomdla kumvuzo wabathengi ngenyanga. Oku kuthetha ukuba onke amaxesha abanikazi bezindlu benza iintlawulo zemali yokubolekwa kwemali, izilinganiso zabo zemalimboli zikhula ezincinci kunokuba zikhudlwana. Ubuncinane bentengo yokuboleka imali kuthetha ukuba ukulingana kukhula, nangona xa uxabiso luphantsi.

UkuThengiswa kweMpahla yokuThengisa ngokuqhelekileyo

Ukuthengwa kwemali yokusebenza kwempahla kusebenza ngale ndlela:

• Iintlawulo ziyancitshiswa kwaye ziqikelelwe kwinqanaba elincinane lomdla kwixesha elithile.
• Umahluko phakathi kwesantya "sokunyanisekileyo" kunye nomyinge wehlawulelo owenyulweyo uhlawulelwa ngemali ngumdayisi okanye umthengi.
• Cinga nje nge-subsidy. Kufana nokucima i-$ 1200 ebhankini kwaye uhoxise i-$ 100 inyanga zonke kwiinyanga ezili-12 ukukunceda ukuhlawula imali yakho.

3-2-1 Ukuthengwa kwemali

• Le minyaka- engama-30 yemali ehlawulwa ngokupheleleyo .
• Umyinge wenzalo ukwanda ngama-1 ekhulwini ngonyaka kunyaka wokuqala weemithathu.
• Emva koko, inzala yenzalo isetyenziswe kwisithuba esisele.

Ngokomzekelo, bathi ibhalansi yakho mboleko i-$ 350,000 kwaye inzala yenzalo iyimfuneko kwi-6.75 yepesenti kwiminyaka engama-30. Umthengisi (okanye wena) unokuthi "uthenge" umyinge wenzala ngokuhlawula imali engama-15,853. Yiyo ndlela isebenza ngayo:

1. Inzala yomnyaka wokuqala yenzalo ye-3.75 ehlawulwa kwi-1,621 yeenyanga ngenyanga.

1. Inzala yesibini yomnyaka i-4.75 ipesenti ehlawulwa kwi $ 1,826 ngenyanga.
2. Inzala yonyaka wesithathu i-5.75 yepesenti ehlawulwa kwi-$ 2,043 ngenyanga.
3. Iminyaka emine ukuya kwi-30 inomyinge we-6.75 wepesenti ehlawulwa kwi-$ 2,270 ngenyanga.

Nje ngeziphumo:

• Ukulondolozwa konyaka wokuqala (xa kuthelekiswa no-$ 2,270 ngenyanga) yi-$ 649 ngenyanga okanye i-$ 7,790.

• Ukulondolozwa konyaka wesibini (xa kuthelekiswa no-$ 2,270 ngenyanga) yi-$ 444 ngenyanga okanye i-$ 6,332.
• Ukulondolozwa konyaka wesithathu (xa kuthelekiswa no-$ 2,270 ngenyanga) yi-$ 228 ngenyanga okanye i-$ 2,731.

Yongeza imali yokonga yonyaka: $ 7,790 + $ 6,332 + $ 2,731 = $ 15,853. Ngako oko, kubiza i-$ 15,853 ukuthenga ixabiso lentlawulo kunye nentlawulo yeminyaka emithathu epheleleyo.

3-2-1 IiNzuzo zokuThengwa kweMali

• Umboleki uyafaneleka ukuba le mboleko ku-3.75 yepesenti yentengo kunye nenani lentlawulo ye-1,670 yee-dollar ngokumalunga nomyinge we-6.75 wepesenti kunye nentlawulo ye-$ 2,270.
• Esikhundleni sokuhlawula ngokukhawuleza konke kwangoko, kuya kunyuka kwiincinci ezincinane, malunga ne-$ 200 ngamnye ngonyaka, kwiminyaka emithathu yokuqala.
• Igcina iintlawulo eziphantsi kweenyanga ezingama-36 kubabolekayo abanomvuzo wabo kulindeleke ukuba bandise kamva. Mhlawumbi iqabane libuyela emsebenzini emva kwe-hiatus okanye umntu ulindele ukugqwesa kwaye athathe umsebenzi ophezulu wokuhlawula kunye neli nqanaba elitsha.

2-1 Ukuthengwa kwemali

• Lo ngowama-30 weminyaka epheleleyo.
• Inzala yenzalo iyanda iipesenti ezi-1 ngonyaka ngamnye kwiminyaka emibili yokuqala.
• Emva koko inzala yenzalo isetyenziswe kwixesha elisele.

Ngokomzekelo, bathi ibhalansi yakho mboleko i-$ 350,000 kwaye inzala yenzalo iyimfuneko kwi-6.75 yepesenti kwiminyaka engama-30. Umthengisi (okanye wena) unokuthi "uthenge" umyinge wenzala ngokuhlawula isamba semali eyi-8,063.

Yiyo ndlela isebenza ngayo:

1. Inzala yomnyaka wokuqala yenzalo ye-4.75 ekhulwini ehlawulwa kwi $ 1,826 ngenyanga.
2. Inzala yesibini yomnyaka ngowama-5.75 epesenti ehlawulwa kwi-$ 2,043 ngenyanga.
3. Iminyaka emithathu ukuya kwi-30 ithwala umyinge wama-6.75 epesenti ehlawulwa kwi-$ 2,270 ngenyanga.

Nje ngeziphumo:

• Ukulondolozwa konyaka wokuqala (xa kuthelekiswa no-$ 2,270 ngenyanga) yi-$ 444 ngenyanga okanye i-$ 6,332.
• Ukulondolozwa konyaka wesibini (xa kuthelekiswa no-$ 2,270 ngenyanga) yi-$ 228 ngenyanga okanye i-$ 2,731.

Ukongeza imali yokugcina imali: $ 6,332 + $ 2,731 = $ 8,063. Ngako oko, kubiza i-$ 8,063 ukuthenga ixabiso lentengo kunye nentlawulo yeminyaka emibili epheleleyo.

UkuThengiswa kweMali ehlala njalo

Ukuthengwa kwemali ehlala phantsi kwakho kwenzeka xa uthengela umyinge wezinga lentengo ekuqaleni ngokuhlawula izikwere zemali mboleko. Abathengi abaninzi abafuni ukuthatha imali ngaphandle kwipokethi ukuze bathenge izinga, kodwa ngamanye amaxesha kunengqiqo.

Kwakhona, cinga ukuba umdayisi uhlawula iindleko zemali zokuvala ezi-4 kwipesenti kumthengi, kwaye iindleko zokuvala zomthengi zifikelela kuma-2 ekhulwini. Sebenzisa i-credit engaphezulu kweepesenti ye-2 ukuthenga umlinganiselo wenzala!

Qaphela: Ababoleki bafuna ukuhlawula okuphezulu kwe-3-2-1 Ukuthengwa kunye nokuncinci ukuthengwa kwe-2-1. Kukho ezinye iintlobo zemali yokuthenga imali yokuthenga imali, kodwa ezi zibini ziyaziwayo.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.