Ngokungafani nokuqeshisa kwindlu, ehlawulwa kwangaphambili, inzala yomhlalaphantsi iyahlawulwa emva kweemali. Ukuhlawulwa kweembuyiselo kubangelwa xa usenza intlawulo yokuboleka kwempahla ngo-Ephreli 1, umzekelo, njengoko uhlawula umdla kwinyanga kaMatshi.
Andifani neRhafu
Intlawulo ihlawulwa ukusuka ngowokuqala ukuya ekupheleni kwenyanga, kwiimeko ezininzi eziqhelekileyo. Ngamanye amaxesha, ukuba uhamba kwikhaya iveki yokugqibela yenyanga, umphathi wepropati angenza i-renti ukuya kwinyanga yokuqala, kwaye ukuqokelela inyanga enye kunye nesahlulo se-pro-week yeeveki ezongezelelweyo, kodwa ihlala ihlawulwa phambili. Njengokuba bengathembi umqashi ukuba akhokhe. Yiyo kutheni ngamanye amaxesha ibhanki ibonwa njengeyithemba ngakumbi, nangona bengenjalo. Ngenxa yokuba inzala yomhlala-mboleko ihlawulwa kwiimbuyiselo kumbolekisi.
Abbolekayo baxhaphaza inzala xa bethabatha imali mboleko ukuba bathenge ikhaya okanye bahlaziye imali ekhoyo. Umboleki okanye umthengi womthengi omtsha uya kuhlawula umyinge kuze kube yimini engama-30 iintsuku ukusuka kwintlawulo yokuqala yokuboleka imali.
Kuthetha ukuba uvala umthengi, uthi, ngo-Matshi 15, intlawulo yakho yokuqala yokuhlawulwa kwemali iya kuhlawulwa ngo-Meyi 1. Kungathi ngathi u-whoa, uEpreli ukhululekile, kodwa akunjalo.
Kungenxa yokuba inkokhelo kaMeyi iya kuhlawula umdla ngo-Apreli. Nangona kunjalo, imali efunekayo ngexesha eliphakathi kuka-Matshi 15 no-Matshi 31 iya kuhlawulwa ngumbolekeki ekupheleni. Lelo qephu libizwa ngokuba ngumdla ohlawulwa kuqala.
Xa intlawulo ihlawulwa ngoMeyi, ukuba intlawulo ibangelwa ngowokuqala ngoMeyi, inzala iya kuhlawulwa kuze kube ngowokuqala kaMeyi, kwaye inxalenye eyintloko iya kuncitshiswa kwi-bhanti elingabhawulwanga yemboleko, okubangela ukuhlawulwa kwentlawulo entsha. Ukulinganisela okulungileyo kuMeyi 1 (ngenjongo yokunceda).
Umzekelo
Ngokomzekelo, masithi ibhanki yokuqala engabhawulwayo yemali mboleko yemali mboleko i-$ 200,000, ephethe inzala kwi-5% ngonyaka, inenqununu kunye nentlawulo yemali eyi-1,703,64. Emva kokuhlawula iinyanga ezili-11, ibhalansi engakhokhelwa ngoku i $ 197,300.83. Uhlawula ngo-Disemba 1 ngoDisemba 1 we-$ 1,073.64. Ukuba uthatha ibhalansi ye-nqununu engaphatywanga imali engama-197,300.83 x 5% kwaye uhlula ngeenyanga ezili-12, uza kufumana inxalenye entsha yenyanga yemali ye-822.09.
Njengoko ixesha liqhubeka, umninikhaya uhlawula ipesenteji enkulu kwinkokhelo kwinqununu nganye nyanga kunomdla. Iinqununu zokuhlawula iinqununu ziphakama, kwaye inxalenye yentlawulo yenzalo iyancipha. Ngoku, ukuba ususa inzala entsha yenyanga yenyanga ye-822.09 ukusuka kwi-PI yokuhlawula i-$ 1,073.64, inxalenye yakho entsha yenqununu ehlawulwe kwibhalansi yohlukwano phakathi kwala manani amabini, okanye i-$ 251.56.
Ngoku, uthatha ibhalansi eyinqununu engakhokhelwa ukusuka ngo-Novemba ka-197,300.83 kwaye uchithe inxalenye yesininzi ngoDisemba, kunye ne-nqununu yakho entsha engakhokhelwa ukuya kuDisemba 1 ngu-197,049.27.
Masithi emva kokuhlawula i-December 1 yakho; uthatha isigqibo sokuba ngoku uhamba kwaye uthengise ikhaya lakho ngenxa yokuba ngokukhawuleza ukukhawuleza ukuxabisa ummelwane wakho ngokungalindelekanga kwenza ikhaya lakho libe li-$ 300,000.
Hayi, ungaphupha, kunjalo? Xa kuthengiswa, ibhanki iya kufuna umrhumo owongezelelweyo ohlawulwa ngomhla wokufumana imali. Oku kuthetha ukuba uya kuhlawulisa i-197,049.27 ye-$ 27.37 kwi-bhanki, kuze kube ngumhla wokugqibela xa ibhanki ithola imali.
Ukuphinda ubambelele, inzala ehlawulwa kuqala iyahlawulwa ekuqalweni kwemboleko yakho kuze kube yintlawulo yokuqala yokuqala, kwaye inzala eyongezelelweyo iyahlawulwa xa umboleko wakho uhlawulwa, ukuya kutsho mhla umbolekisi ehlawulwa.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.