Yiyiphi i-Rate Adjustable Mortgage?
Isamba semali-mboleko esithintekayo , esibizwa ngokuba yi-ARM esifutshane, yinto yokubolekwa kwemali enomyinge onomyinge odibeneyo kunye ne-index index. Inzala yomyinge, kunye neentlawulo zakho, zilungiswa ngokukhawuleza okanye ziphantsi njengoko isalathisi sitshintsha.
ARM I sigama
Index
Isalathisi siyisikhokelo sokuba abathengi basebenzise ukulinganisa utshintsho lwentengo. Izikhombo eziqhelekileyo ezisetyenziswe ngababoleki zibandakanya umsebenzi omnye, abathathu, kunye nobuncinci beminyaka emihlanu.
I-ARM nganye idibene nesicatshulwa esithile.
Umgama
Cinga ngomda njengemali yomboleki. Inzala yenzalo emele iindleko zeendleko zentengo yokwenza ibhizinisi kunye nenzuzo abaya kuyenza ngemboleko. Umda wongezwa kwinqanaba lesiteyibrari ukujonga inani lakho lentlawulo . Ngokuqhelekileyo zihlala zifanayo ngexesha lobomi bemboleko yakho yasekhaya .
Ixesha lohlengahlengiso
Ixesha lohlengahlengiso lixesha eliphakathi kohlengahlengiso lwezinga lomlinganiselo.
Ungabona i-ARM ichazwe ngamanani afana ne-1-1, 3-1, kunye no-5-1. Umbolo wokuqala kwisethi nganye ubhekiselele kwixesha lokuqala lokubolekwa kwemali mboleko, ngelixesha apho inzala yakho inomdla iya kuhlala ifana nanjengomhla owasayina amaphepha akho mboleko.
Inombolo yesibini yixesha lokuhlengahlengiswa, kubonisa ukuba kulungelelaniswa kaninzi kangangoko kwisantya emva kokugqibela kwexesha. Imizekelo engeyiyo yonke i-ARM kunye nohlengahlengiso lwamaxesha-ukutshintshwa kweentsingiselo kunokuthi kwenzeke ngonyaka.
Ukuba iintlawulo zam ziyakhuphuka, kutheni kufuneka ndiqwalasele i-ARM?
Inqanaba lokuqala lomdla we-ARM liphantsi kunelo li-mortgage rate rate , apho inzala yomhlala- phantsi iyahlala enye ngexesha lomboleko. Ixabiso eliphantsi lithetha iintlawulo eziphantsi , ezinokukunceda ukuba ufanele ukufumana imali mboleko enkulu.
Kuze kube nini uceba ukwenza indlu?
Ukwenzeka kwenyuka kwinqanaba akuyona into eninzi xa uceba ukuthengisa ikhaya ngaphakathi kwiminyaka embalwa.
Ngaba ulindele ukuba ingeniso yakho yanda? Ukuba kunjalo, imali eyongezelelweyo ingabhekisela kwiintlawulo eziphezulu ezibangelwa ukwanda kwamazinga.
Amanye ama-ARM angaguqukela kwi-mortgage rate rate . Nangona kunjalo, iimali zokuguqulwa zingaba ziphakamileyo ngokwaneleyo ukuba zisuse yonke imali oyilondolozile ngezinga lokuqala eliphantsi.
IArm Indexes
Ngelixa ungeke ukwazi ukuba uluphi uxwebhu olusebenzisa umboleki, unokukhetha umbolekisi kunye neentengo ezixhomekeke kwisalathisi esiya kusebenza kwimboleko. Buza umnini-mboleko ukuba ngasinye isalathiso esisetyenzisiweyo senze ntoni ngaphambili. Injongo yakho kukufumana i-ARM edibeneyo nesalathisi esele sizinzile kwiminyaka emininzi.
Xa kuthelekiswa nabathengisi , qwalasela ixabiso lenkcazo kunye nezinga lokungena kwemida.
IiRhafu ezithengiweyo kunye neAlldowndowns
Xa uthengisa ikhaya ungabonisana nabathengisi abanikezela ukuhlawula imali yokuthengwa kwempahla evumela ukuba umnini-mboleko akunike isilinganiselo sokuqala esingaphantsi kwesibalo sesalathisi kunye nomda. Abanye abakhi bakha abathumba ngamanye amaxesha banikela loo hlobo lokuthenga ipakethe ukuze bancede abantu bafumane amakhaya abo.
Ireyithi yokuthenga-mali iya kugqitywa kwaye iintlawulo zakho ziyakhula ngokukhawuleza ukuba ireyimu ye- ARM ihlonyelwe phezulu ngelixa elinye isaphulelo siphelelwa yisikhathi.
Gcina ukhumbule ukuba abathengisi ngamanye amaxesha baphakamisa intengo yekhaya ngemali abayihlawula ukuthenga umboleko wakho. Iindleko ezongezelelweyo zingadlulela ixesha elizeleyo kunoma yiyiphi imali yokugcina isaphulelo sokuqala.
Amanani amaKhokhelo
Imilinganiselo yemilinganiselo ibingakanani umdla onokuhlawulwa ngawo. Kukho ezimbini iindidi zeerhafu ezinomdla ezinxulumene nee-ARM.
- Iikhonkco zexesha elikhawulezileyo likhawulele umlinganiselo wakho umyinge wesantya sakho sinokunyuka ukusuka kwelinye ixesha lokulungiswa ukuya kwesinye. Akunabo bonke i-ARM abanamaxabiso e-perio.
- Iifowuni ezipheleleyo zikhawulela ukuba inani lentengo linokunyuka ngaphaya kwempilo yomboleko. Iifowuni ezipheleleyo zifunwa ngumthetho ukususela ngo-1987.
Iikopi zokuhlawula
Inkokhelo yentlawulo ibeka umlinganiselo wokuba inkokhelo yakho yenyanga iyakwandiswa njani kwisilungiso ngasinye. Ii-ARM kunye neefowuni zentlawulo kaninzi azikho ii-caps zamazinga.
Carryovers
Ukuba i-rate rate yenzalo ibambe inzala yakho phantsi kohlengahlengiso nangona isalathisi senyuka, inani lokunyuka lingaqhutyelwa kwixesha elilandelayo lokulungiswa.
Qaphela ukunyaniseka kweMali
Imali eyenzekayo xa kwenzeka iintlawulo zikhulu ngokwaneleyo ukuhlawula umrhumo ngenxa yeyona nxalenye yinqununu.
Ukuhlawulwa kwentlawulo engekhoyo kwenzeka xa iintlawulo zingabonakali iindleko zomdla. Imali engakhokhelwa yongezwa kwimboleko, apho ivelisa inzala enomdla. Ukuba oku kuqhubekayo, unokwenza iintlawulo ezininzi, kodwa unetyala elingaphezu kwakho okwenziwe ekuqaleni kwemboleko.
Ukuhlawulwa kwemali engalunganga ngokuqhelekileyo kwenzeka xa umbolekisi unesimboli sokuhlawula esenza iintlawulo zenyanga zize zifake iindleko zomdla.
Ababoleki kufuneka bakunike ulwazi olubhaliweyo ukukunceda uqhathanise kwaye ukhethe umboleko. Unganqikazi ukubuza imibuzo eninzi njengoko kuthatha ukukunceda uqonde zonke iinkalo ze-ARM kunye nezinye iimali-mboleko zasekhaya ezinikezelwa zona.
Fumana Amaqiniso Ngama-Mortgages Amanani Alungisiweyo
Ziziphi iingozi zomlinganiselo wokuboleka kwemali? Ukunciphisa ingozi yakho qwalasela le micimbi elandelayo ngaphambi kokuba wamkele i-ARM.
Ixabiso elithengiweyo - Ukuthengwa
Abanye abathengisa ngamanye amaxesha bahlawula umrhumo ovumela ukuba umboleki-mali anike isilinganiselo sokuqala esingaphantsi kwesixa sesalathisi kunye nomda. Ireyithi yokuthenga-mali iya kugqitywa.
- I-Double Whammy
Iintlawulo zakho zinokunyuka ngokukhawuleza ukuba isilinganiselo sakho sichitshiyelwa phezulu ngelixa elinye isaphulelo siphelelwa yisikhathi. - Ingaba Ixabiso Elixabisekileyo?
Abathengisi banokuphakamisa intlawulo yekhaya ngemali abayihlawula ukuthenga umboleko wakho. Iindleko ezongezelelweyo zingadlulela ixesha elizeleyo kunoma yiyiphi imali yokugcina isaphulelo sokuqala.
Amanani amaKhokhelo
Imilinganiselo yemilinganiselo ibingakanani umdla onokuhlawulwa ngawo. Kukho ezimbini iindidi zeerhafu ezinomdla ezinxulumene nee-ARM.
- Iikhonkco zexesha elikhawulezileyo likhawulele umlinganiselo wakho umyinge wesantya sakho sinokunyuka ukusuka kwelinye ixesha lokulungiswa ukuya kwesinye. Akunabo bonke i-ARM abanamaxabiso e-perio.
- Iifowuni ezipheleleyo zikhawulela ukuba inani lentengo linokunyuka ngaphaya kwempilo yomboleko. Iifowuni ezipheleleyo zifunwa ngumthetho ukususela ngo-1987.
Iikopi zokuhlawula
Inkokhelo yentlawulo ibeka umlinganiselo wokuba inkokhelo yakho yenyanga iyakwandiswa njani kwisilungiso ngasinye. Ii-ARM kunye neefowuni zentlawulo kaninzi azikho ii-caps zamazinga.
Carryovers
Ukuba i-rate rate yenzalo iye yabamba umdla wakho phantsi nangona isalathisi senyuka, inani lokunyuka lingaqhutyelwa kwixesha elilandelayo lokulungiswa.
Ukungabi nantoni
Iimali zenzekile xa iintlawulo zikhulu ngokwaneleyo ukuhlawula umrhumo ngenxa yeyona nxalenye yomgaqo.
- Ukuhlawulwa kwentlawulo engekhoyo kwenzeka xa iintlawulo zingabonakali iindleko zomdla. Imali engakhokhelwa yongezwa kwimboleko, apho ivelisa inzala enomdla. Ukuba oku kuqhubekayo unako ukwenza iintlawulo ezininzi, kodwa unetyala elingaphezulu kunokuba wenzayo ekuqaleni komboleko.
- Ukuhlawulwa kwemali engalunganga ngokuqhelekileyo kwenzeka xa umbolekisi unesimboli sokuhlawula esenza iintlawulo zenyanga zize zifake iindleko zomdla.
- Ukuchithwa kwemali engalunganga ayinayo impembelelo xa ixabiso lezindlu lixabisa kakuhle, ngoko ke iintlawulo ezantsi zingaba mnandi kuwe kunokuba uhlawule umgaqo.
Ababoleki kufuneka bakunike ulwazi olubhaliweyo ukukunceda uqhathanise kwaye ukhethe umboleko. Unganqikazi ukubuza imibuzo eninzi njengoko kuthatha ukukunceda uqonde zonke iinkalo zemboleko yakho