Uninzi lwekhaya lakho Ngaba Unene ngempela?
Faka enye indlela; Umlinganiselo we-LTV uxelela ukuba ubuninzi bepropati ngokwenene bayiqhathanise nomlinganiselo onjani. Umyinge usetyenziselwa iintlobo ezininzi zemali-mboleko, kuquka nekhaya kunye nemali-mboleko yemali (kokubili ukuthenga kunye nokucoca).
Indlela yokubala
Ukubala isilinganiso se-LTV, ukwahlula inani lemali mboleko kwixabiso elipheleleyo le-asethi yokufumana imboleko.
Umzekelo: Cinga ukuba ufuna ukuthenga ikhaya elixabisa i-$ 100,000. Unayo imali engama-20,000 ehlawulwa ukuhlawula imali , ngoko kuya kufuneka uboleke i-$ 80,000.
Isilinganiso sakho se-LTV siya kuba ngama-80 ekhulwini kuba inani lemali-mboleko liyi-80 ekhulwini yexabiso lezindlu. Ama-80,000 ayi-$ 100,000 ahlukaniswe ngama-100,000 alingana no-0.80 (okufana neepesenti ezingama-80 - jonga ukuba ama-decimals kunye neepesenti zihambelana njani ).
Bala inani le-LTV ngokuhlula ixabiso lemali mboleko kwixabiso lepropati: 80,000 / 100,000 = 0.8.
Indlela elula yokubala i-LTV kukusebenzisa i-calculator yakho yekhompyutha okanye uphendule i-Google usebenzisa i-slash ("/") yokwahlula.
Ngokomzekelo, ikhonkco elandelayo "iya kuphanda" impendulo: 80,000 / 100,000, okanye ungayibhala loo nto kwibhokisi lokukhangela (kuquka iBing kunye ne-Yahoo).
Kutheni le mibuzo
Isilinganiso se-LTV sinceda abanini-mboleko bavavanye ingozi: Xa baninzi ababolekayo, ingozi eyithathayo. Umngcipheko ophezulu kumboleki uthetha:
- Kunzima ukufumana imvume yokuboleka imali.
- Kufuneka uhlawule ngaphezulu ( ngezinga eliphezulu lomdla ).
- Kufuneka uhlawule iindleko ezongeziweyo, ezifana ne-inshurensi yokubolekisa.
Ukuba ubala i-LTV, mhlawumbi ujongene nemboleko ekhuselekile ngoluhlobo oluthile lokubambisa . Umzekelo, xa uboleka imali ukuthenga ikhaya, umbolekiso ugcinwe ngelapha endlini . Umboleki-mali angayithatha indlu kwaye ayithengise nge-foreclosure ukuba uyahluleka ukuhlawula umboleko. Okufanayo kuya kwimali-mboleko yemoto - yakho imoto inokubuyiswa kwakhona xa uyeka ukwenza iintlawulo.
Ababoleki abafuni ngokwenene impahla yakho-bafuna ukufumana imali yabo ngokukhawuleza. Ukuba batyala kuphela i-80% (okanye ngaphantsi) kwexabiso lepropati, banokuthengisa ipropati ngaphantsi kwe-dollar ephezulu ukuze bafumane imali yabo. Kulula kunokuba uphumelele kwisipho esikhulu.
Ngokufanayo, nantoni na oyithengayo ingahle ilahlekelwe yixabiso njengoko uthenge yona, ngoko ukubolekisa ipesenti ezili-100 okanye ngaphezulu kwenza ababolekisi besengozini.
Ekugqibeleni, xa ubeke enye yemali yakho ekuthengeni, unokukwazi ukuyixabisa kwaye uqhubeke uhlawula. Unesikhumba kumdlalo, ngoko awuyi kuhamba ngaphandle ngaphandle kokuba ukhethe.
Iimpawu ezilungileyo ze-LTV
Yintoni efanelekileyo ye-LTV enokuthi inokukunceda ukuba ufumane imvume yemboleko?
Kuya kuxhomekeka kwintengiso yakho kunye nomhlobo wemboleko. Ngokuqhelekileyo uya kuba nenhlanhla engcono kunye nokulingana okutyalomali (okanye umlinganiselo we-LTV ophantsi ).
Ngemali-mboleko yasekhaya, ama-80 ekhulwini ngumbolo yomlingo. Ukuba uboleka ngaphezu kwama-80 ekhulwini kwindleko yekhaya, kufuneka ufumane i-inshurensi yangasese yemali (PMI) ukukhusela umboleki wakho. Le yindleko eyongezelelweyo, kodwa unako ukurhoxisa i-inshurensi xa ufumana ngaphantsi kwama-80 ekhulwini kwi-LTV. Olunye inani eliphawulekayo li-97 ekhulwini. Abanye ababolekisi bakuvumela ukuba uthenge ngamaphesenti amathathu phantsi ( iimali-mboleko ze-FHA zifuna iipesenti ezi-3.5) - kodwa uya kuhlawula i-inshurensi yokubolekwa kwemali, mhlawumbi ngenxa yobomi bemboleko yakho.
Ngeemali-mboleko zemoto, ii-LTV zihlala ziphezulu, kodwa ababolekisi bangasetha imida (okanye ama-maximums) kwaye utshintshe iirhafu zakho kuxhomekeke kwindlela umlinganiselo wakho we-LTV ophezulu uza kuba ngayo. Kwezinye iimeko, unako ukuboleka kwi-100% ye-LTV.
Ngaphantsi kwamanzi: Xa inani le-LTV liphezulu ngaphezu kweepesenti eziyi-100, umboleko mkhulu kunenani lexabiso lokubambisa imali (okanye unako ukulingana okungafanelekanga). Ngokuqhelekileyo ayikho imeko efanelekileyo kuba kufuneka ubhale isheke (okanye uhlawule) ukuthengisa i-asethi - awuyi kufumana imali ngaphandle kwento. Emva kwexabiso lekhaya eliye lahla ngexesha leengxaki zemali , ukubolekwa kwezindlu zangaphantsi kwamanzi kwakuyingxaki enkulu. Iimali mboleko zemali engaphantsi kwamanzi zihlala zikhupha. Ukuba uboleka ngezinga eliphezulu le-LTV, qiniseka ukuba kukho isizathu esihle sokuthatha umngcipheko.
Gcinani engqondweni: Ubulungisa bakho abufanele ukuba lube uhlobo lwemali ozisa kuyo. Ukuba unempahla (okanye isahlulo sepropati), inzala yakho ingasetyenziselwa ukulingana, kwaye ixabiso leloo nzala linokutshintsha ngexesha elide. Umzekelo, xa uboleka indlu yakho ngemali mboleko yemali , usebenzisa ixabiso lekhaya lakho kwaye ukwandisa ngokulinganayo umlinganiselo wakho we-LTV xa ufumana mboleko. Ukuba ikhaya lakho lifumana ixabiso kuba amaxabiso ezindlu aphakama, i-LTV yakho iya kuncipha (nangona ungadinga ukuvavanya ukubonisa oko). Ngokufanayo, ukuba uboleka imali ukwakha ikhaya elitsha, ungasebenzisa umhlaba owakhayo ngokulinganayo kwimali-mboleko yokwakha.
Umfanekiso Omkhulu
Iimpawu ze-LTV zibaluleke kakhulu. Kodwa bayingxenye yomfanekiso omkhulu, oquka:
- Amanqaku akho ekhredithi (kunye nekhredithi enhle kulula ukufumana imali ephezulu ye-LTV)
- Ingeniso yakho iyafumaneka ukwenza iintlawulo zenyanga
- Impahla oyithengayo (Ngaba yindlu efanelekileyo okanye iyunithi yezinto ezininzi? Ingaba iyisithuthi esitsha okanye esetyenziswayo? I-Motorcycle okanye i-RV?)
Ukongeza kwi-credit yakho, enye yezinto ezibaluleke kakhulu kubathengi ityala lakho kwinani lentlawulo. Leyo yindlela esheshayo yokuba bafumane indlela enokuhlawuleka ngayo nayiphi na imali mboleko-ngaba unako ukuthatha ngokukhawuleza kwiintlawulo zenyanga zenyanga, okanye ungena phezu kwentloko yakho?