Ukuhlaziywa kweMali yokuThengiswa kweMali ayikufaneleki ngamnye kumnini wekhaya
Ukuhlaziywa kwemali yokuqhawula ngempahla yonke ingqumbo xa isantya senzalo sihla. Amaxabiso akufanele ahlawule kakhulu, nokuba, ngaphambi kokuba amanqaku abanikazi basekhaya anqume ukuba ukuhlaziywa kwemali yokubolekwa kwemali kubonakala kunengqiqo. Kodwa ayisoloko isenza ingqiqo yemali ukuze ihlaziywe . Ngamanye amaxesha, ukulungiswa kwempahla yokuthenga impahla yinto eyona nto ungayenza.
Yintoni iRefinancing Mortgage?
Ukuhlaziywa kwemali mboleko kuthetha ukuba abanikazi bahlawula imali yabo ekhoyo kwaye bafaka endaweni leyo mboleko ngemboleko entsha.
Ngokuqhelekileyo, iindleko ezinxulumene nokuhlaziywa kwemali yokubolekwa kwempahla zifakwa kwi-mboleko, oku kuthetha ukuba zongezwa kwibhalansi ekhoyo, ukwandisa inani lemboleko.
Xa inani lemali-mboleko linyuka, ubulungisa bomnini buncipha.
Kunokwenzeka ukwandisa ibhalansi yenqununu yomhlalaphantsi kunye nokunciphisa imali ekhoyo yokuhlawula imali. Yingakho abaninzi ababolekayo bakha kwi-mortgage refinancing. Ukunciphisa ukuhlawulwa kwemali ekhoyo, ixesha lokubolekwa kwemali mboleko liyandiswa. Kodwa inkokhelo ephantsi ayinakho ukuhlawula ngexesha elide. Ngokuqhelekileyo isisombululo esifutshane.
Kutheni i-Mortgage Refinancing yandisa ixesha lokuThengisa kwakho imali
Xa ixesha lemali-mboleko liyakwandiswa, kuya kuthatha ixesha elide ukuhlawula loo mboleko ngokugcwele. Ukuba uthe watyala imali xa uthenge ikhaya lakho, mhlawumbi umboleko weminyaka engama-30. Yithi uthathe isigqibo sokuhlaziya imali yakho yemali ekupheleni kweminyaka emi-5. Endaweni yokujonga phambili ukuhlawula imali yakho mboleko kwiminyaka engama-25 kweli nqanaba, ngoku uya kuhlawula kuloo mboleko kwithuba elipheleleyo leminyaka engama-35.
Ukuba imali yakho yasekuqaleni yahlawulwa iminyaka engama-30 kwi-100,000 yenzuzo yemali kwi-6% yemali, inkokhelo yakho yenyanga i-$ 599.55. Ukuba uhlaziya ukuba ukuthenga imali kwi-$ 103,000, kwi-5.5%, intlawulo yakho entsha ngu-584.82. Imboleko yakho iya kubuyiselwa kwisithuba seminyaka engama-30. Uninzi lwababolekayo bakhetha ixesha lokumiswa kweminyaka engama-30.
Uza kwenza iinyanga ezingaphezulu ezingama-60 zeentlawulo kwaye uhlawule ngaphezu kweerhafu ezingama-35,065 ngaphezu kobomi bembolekiso, ukuba uhlala kwindawo leyo ixesha elide ukwenzela ukuhlawula umboleko wakho.
Ukuba ugqiba ukuthengisa emva kokubuyiswa kwemali, uzakulahlekelwa ngu-3,000 wemali yokulingana, kunye naliphi na ibhalansi enqununu oye uyihlawula kwi-original $ 100,000.
Iindleko eziHlanganisiweyo neMali yokuThengiswa kwemali
Uya kuhlawula iindleko zokubuyiswa kwempahla ngenani lemali ephezulu okanye loo mali iya kufakwa kwi-balance balance mortgage yakho ngenxa yokuba abambalwa abaninikhaya bahlawula loo ndleko ngemali. Akukho uhambo olukhululekile. Oku kulandelayo zihlawulwa iintlawulo ezihlawulwa ukufumana ukuhlaziywa:
- U vavanyo
- Umgaqo Wesihloko
- I-escrow
- Iingxowa Zemivuzo
- Umvelaphi
- Ukucwangciswa
- Kubhala phantsi
- Ifowuni
- Umxhasi weMfuno
- Isicelo
- Lawulo
- Ukugqithiswa
- Ingxelo yeMali
- Notary
- I-imeyile doc
- Inkonzo yentela
- Ukurekhoda
Akukufanelekanga ukuba uhlaziye imali yakho yokugcina imali ukuze ugcine i-$ 15 ngenyanga phantsi kwezi meko. Iingcali ezininzi zengxowa-mali zithi kufanele ukwazi ukubuyisela iindleko zakho kwi-mortgage refinancing ngaphezu kweminyaka emithathu. Ukuba ugcine imali eyi-15 kuphela ngenyanga kwaye ubiza i-$ 3,000 kwiimirhumo, bekuza kuthatha iinyanga ezingama-200 ukuba uphule.
Nangona kunjalo, ukuba iindleko zakho ezipheleleyo ukulungiswa kweendleko zakho zokuthenga imali u-$ 3,000, umzekelo, kwaye usindise i-$ 50 ngenyanga kwintlawulo yakho yokubolekisa ngemali ngokuyinciphisa loo mali, uya kuphinda uqhekeke ekupheleni kweminyaka emi-5. Ngamanye amaxesha, abantu bajika baba ngabahlaziyi be-serial, kwaye onke amaxesha amanqanaba enzala alahleka isiqingatha kwinqanaba okanye iphuzu, bayakukhawuleza ukuhlaziya, becinga ukuba benza into ehlakaniphile xa kudla ngokuphambene.
Ukongezelela, imeko yakho ingaba yinto ekhethekileyo, kwaye ukuhlaziywa kunokuba kunengqiqo kuwe xa kwakungeke kubenze kwabanye abantu. Ngokomzekelo, uthi unomzi wesibili kunye ne-mortgage balance of $ 200,000. Ukuhlawulwa kwemali kunokuhlawulelwa kwisantya esincinci kunamazinga namhlanje. Ukuba i-home home mortgage yakho yinto engakumbi, yithi, uhlaziywe iminyaka engaphezu kwe-15, mhlawumbi unokuhlaziya ikhaya lakho eliphambili ngaphezu kweminyaka engama-30, gcina inkokhelo efanayo, kwaye uhlawule umboleko kwikhaya lakho lesibili.
Ukuba ungathandabuzeki, cela ubuchwepheshe bezindlu ezingenalo inja emncintiswaneni, njengomphathi we-appraiser, okanye igosa lokuhlawula, okanye i-agent ye-real estate yokuqulunqa izibalo kuwe. Kungenxa yokuba ukuba ucela i-mortgage lender ukuba ufanele uhlaziye, ngokuqhelekileyo impendulo yalo mbuzo nguwebo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.