Ababuyiselwa ekhaya bafumana inyanga yomsindo ngaphambi kokuba benze intlawulo yokuqala
Umfundi uyabuza: "andiyiqondi kakuhle indlela iintlawulo zemali ezithengiswa ngayo, kodwa igosa lam lixelela ukuba andiyi kuyenza intlawulo ixesha elide emva kokuba ndivale kwikhaya lam elitsha. ikhule yam ingxowa kwaye ayifuni ukuthatha ithuba lokuyilahla. Ndingayazi njani xa imali yokuqala yokuthenga imali ifunekayo? "
Impendulo: Kulula kunokuba ucinge ukuba ufumene xa ukuhlawulwa kwakho kokuqala kwempahla kubangelwe.
Ungavumeli ukuba igama lokuhlaziywa litshitshise . Ukuqonda ukuchithwa kwemali kukubalulekileyo ekuqondeni indlela umboleko wempahla osebenza ngayo. Imali yegama elibhekiselele ekubhekeleni ibhalansi yakho engakhokhelwa ibalwa kwakhona ngenyanga nganye ngokusekelwe kwiintlawulo kwinqununu kunye nomdla. Ekupheleni kwenkcitho yakho yokuhlala, ngokuqhelekileyo iminyaka engama-30, imali yakho mboleko ihlawulwa.
Inzala yomhlala-mboleko ihlawulwa kwiiNkcitho
Iimbuyiselo zibhekisela kwimali efunekayo kwixesha elidlulileyo. Inzala yomhlalaphantsi ihlawulwa emva kokuba iqokelele, kungekhona ngaphambili. Ngoko ke, intlawulo yakho yokuqala yokuhlawula ihlawulwa ekuqaleni kweenyanga yokuqala epheleleyo emva kokuvala kunye nenyanga nganye emva koko .
Ngakolunye uhlangothi, ukuba urenta ikhaya ngoJuni 1, umzekelo, irenti yakho iya kuba ngo-Juni 1 kuba ihlawula inyanga kaJuni kwangaphambili. Kodwa inzala yomhlalaphantsi ihlawulwa kwiimbuyiselo, ngoko-ntlawulo ye-mortgage ye-Juni 1 ihlawula inzala yenyanga yonke kaMeyi.
Uyenza nini iNgxowa-mali yakho yokuqala yokuThengwa kwemali?
Xa uthengela ikhaya uze ufumane i-mortgage, i-ejenti yokuvala izakuqokelela umdla ukusuka kuwe ukuya kutsho kweentsuku ezingama-30 phambi kwenyanga yokuqala epheleleyo.
Inzala ibhaliwe kwisitatimende sakho sokuvala kwaye ihlawulwe njengendleko yokuvala.
- Inkokhelo yokubolekwa kwemali inamalungu amabini: inzala kunye nenqununu.
- Inzala ihlala ihlawulwa iintsuku ezingama-30 kwimbuyekezo.
- Inxalenye eyintloko yenkokhelo yakho yokubambisa imali inciphisa ibhalansi yakho enqununu ngomhla ofuneka ngawo.
Masithi usuku lwakho lokuvala nguMatshi 15.
Uya kuhlawulwa umrhumo wentsuku zonke ukusuka ngoMatshi 15 ukuya kuMashi 31 kwisitatimende sakho sokuvala. Inzala eqokelelwe ekuvaleni iya kubhala umdla ngenxa yokubambisa imali yakho kwiintsuku ezili-16 zokugqibela ngoMatshi. Emva koko, intlawulo yakho yokuqala yokuhlawulwa kwemali iya kuhlawulwa ngoMeyi 1, kwaye loo ntlawulo iya kuhlawula umrhumo ngo-Ephreli.
UkuQala ukuThengwa kweMali yokuThengiswa kweMali
Masithi uboleka i-$ 200,000 kwi-5% inzala. Intlawulo yakho yenyanga iya kuba yi-$ 1,073.64, ihlawulwe kwiimvenge zenyanga ezilinganayo iminyaka engama-30.
Umrhumo wakho wenqanaba lomdla - kwithuba elingaphambi kweentsuku ezingama-30 phambi kwentlawulo yokuqala - uqikelelwe ngokuthatha ama-$ 200,000 ngamaxesha e-interest rate ka-5%. Emva koko, hlukana ngeenyanga ezili-12 - $ 833.33 - kwakhona ngeentsuku ezingama-30.
Inzala yakho yemihla ngemihla i-$ 27.78. Ukuba uvala ngo-Matshi 15, unomvuzo weentsuku ezili-16 okanye i-$ 444.48, ohlawula ngokuvala.
Xa wenza intlawulo ye-$ 1,073.64 ngomhla we-Meyi 1, ukuba intlawulo yokubolekwa kwemali iya kubhatala umdla ngo-Ephreli njengalandelayo:
I $ 1,073.64 - $ 833.33 (Inzala ka-Apreli) = $ 240.31 ( ukunciphisa inqununu ). Susa iRandi 240.31 ukusuka kwii-200,000 zamaRandi, kwaye ibhalansi yakho entsha engabhawulwa ngomhla ka-Meyi 1 ngoku i $ 199,759.69.
Uyakwamukela i-breather yexesha phakathi kokuvala kunye nentlawulo yakho yokuqala yokubolekwa kwemali, unikezele ngemali enkulu enokuyihlawula ngokuvala.
Kodwa ngelixa kubonakala ngathi ufumana inyanga ngaphandle kwentlawulo yezindlu xa uvala ngo-Matshi 15, akunjalo ngokwenene.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.