Ingaba intengo yokuthengisa ibaluleke ngakumbi kunokuba izinga lentengo lixhomekeke kwimbono yakho. Zonke izakhiwo zendawo. Oku kuthetha ukuba nantoni na eyenzekayo kwiimakethe zendawo yasePhoenix, umzekelo, iyakwazi ukuhluka ngokusuka kuyo, ithi, imarike eManhattan. Kunzima kakhulu ukufumana ixesha lemarike yendawo yokuhlala , kodwa unokuzama ukusebenzisa indlela yokuthengisa.
NjengoBono uhlabelela, " uhamba ngendlela engaqondakaliyo ," awukwazi ukuhlala uqikelele ukuba i-market iya kuhamba njani.
Kodwa unokwazi ukubukela. Makhe sijonge kwiirhafu zomdla zembali kwiminyaka emashumi amathathu engama-30. Ngokuqhelekileyo, ukulawulwa kwesigqabha kukuba ixabiso lentengo likhuphuka, ixabiso lokuthengisa liyehla ukuya kuhlawulela, kodwa kungekho rhoqo.
Ukunyuka kwamaxabiso okuthengisa kunye nokunciphisa amaRhafu enzala
Yithi uthelekisa ikhaya lasePhoenix elalixabisa i-$ 240,000 kunye nesantya sakho somyinge ngu-4.5%. Ukuba uthengisa kwiimarike ezinciphisa kwaye ulindwe dela elo xabiso lalingama-$ 210,000 kodwa ixabiso liye lafikelela ku-6.5%, unokube ngcono xa uthengwa ngentengo ephezulu. Ewe, kuyinyaniso. Intlawulo kwi- mortgage ye-80% ye-LTV yokuhlala eyi-240 000 yekhaya kwi-4.5% eyi-$ 972.84.
Intlawulo kwi-mortgage ye-80% ye-LTV yokuhlala kwi-$ 210,000 ekhaya kwi-6.5% yi-$ 1067.87.
Faka enye indlela, ukuba uhlawule imali engama-30,000 kwikhaya ngokuhlawula ii-240,000 zamawaka kwaye wahlala kuloo ndlu iminyaka engama-30, ngelixesha ohlawula ngayo imali yakho mboleko, uza kuhlawula i-$ 350,222.24.
Ukuba ukhokhe imali engama-30,000 engaphantsi ngokuhlawula i-$ 210,000 kodwa uhlawule kwizinga eliphezulu lemali iminyaka engama-30, ngelixesha ohlawula ngayo imali yakho mboleko, uza kuhlawula i-$ 384,433.20.
Kulo mzekelo, akukuhle ukuhlawula imali encinci ngokutshintshiselwa inzala ephezulu.
Ingakanani Ulahlekelwa Ngamaxabiso Okuthengiswa Ngamanye Ngama - 50%?
Masiqhathanise elo khaya kwi-240,000 yeeRhafu ukuba amaxabiso ayenyuka kwi-1/2 kwinqanaba kwaye ufuna ukugcina inkokhelo yakho ifanayo. Ukuqulunqwa kwemithwalo-mboleko yamanqaku angaphezulu kweminyaka engama-30.
Ukuba imali yakho yokuhlawula i-20% yentengo yokuthengisa, ingaba ungayithenga kangakanani ikhaya ukuba ugcine intlawulo yakho malunga ne-$ 975?
- I-240,000 x 80% kwi-4.5% inzala ilingana nentlawulo ye-$ 972.84
- I-226,260 i-X i-80% kwi-5.0% inzala ilingana nentlawulo ye-$ 971.65
- $ 214,062 X I-80% kwi-5.5% inzala ifana ne-972.34
- I $ 202,500 X X% kwi-6.0% inzala ifana ne-$ 971.27
- I-192,188 i-X 80% kwi-6.5% inzala ifana ne-$ 971.80
Unokubona ukuba ukwanda kwe-2% kwinqanaba lomdla liya kukulahleka malunga ne-$ 50,000 yamandla okuthenga kule xabiso lemali. Ukuba ubuye wongeza kabini intengo yokuthengisa, uya kulahlekelwa ngu-100,000 wamandla okuthenga nge-2% ukusasazeka kwenzalo.
Yingakho isantya somdla sithatha into enkulu kubathengi basekhaya bokuqala. Ukuba usulele kakhulu kumgca wokugqibela wexabiso lakho lamanani kunye namaxabiso aphakanyisiwe, ungeke ukwazi ukuthenga loo ndoda ekhaya elifunayo ngenxa yokuba awuyi kuphinda ufanelekele loo xabiso lokuthengisa. Kwaye, ngoko nje uyazi, ukwenza isipho se- lowball akusiyo yonke impendulo.