Unokuba Unokukhetha Phakathi Kwe-Car neNdlu Ngaba uye wacinga ukuba unokwenza ukhetho phakathi kwemoto yakho entsha okanye entsha kunye nekhaya lakho? Abaninzi abaselula bafumanisa indlela ekhuselekileyo yokuba kaninzi omnye okanye omnye. Imoto kunye nendlu.
Makhe ndikubonise ukuba imoto yakho ingakugcina njani ukuba ufanelekele ukuthenga imali. Imimiselo esetyenzisiweyo iya kusekelwe kwiingcamango ezifumaneka phantsi kweli phepha.
Ndiza kuphosa amaninzi amaninzi ngeenxa zonke, kodwa undibeke. Ingqiqo ngokwenene ilula, kwaye ukuqonda ingenza umehluko phakathi kokufaneleka kwemali mboleko, okanye kungekhona. Ekupheleni komzekelo oboniswe apha, uya kubona ukuba kutheni abantu abaninzi bephelile ukuba bakhethe phakathi kweemoto zabo ezintsha kunye nekhaya labo, kwaye ungathini ukuphepha ukuba ungomnye wabo.
Indlela Ababoleki Abajonga Ngayo Imali Engakanani Imali Owufanelekelayo
Ababolekisi basebenzisa ii-ratios ezimbini ezilula ukucacisa ukuba ungakanani imali onokuboleke ukuthenga ikhaya. Nantsi indlela yokubala ngokukhawuleza.
Umlinganiselo # 1: Ixabiso leendleko zenyanga zenyanga lifaniswa nomvuzo wenyanga
Inyathelo 1: Bhala umvuzo wakho werhafu ngokupheleleyo ngenyanga, phambi kokuncitshiswa kweerhafu, i-inshurensi, njl.
Inyathelo 2: Yandisa inani kwinqanaba lika-1 .28 (28%). Le yimalini ababolekisi abaninzi baya kuyisebenzisa njengesikhokelo sokuba iindleko zakho zendawo yokuhlala (inqununu, inzala, iirhafu zepropati , kunye ne- inshurensi yabanini , okanye i-PITI) kufuneka ibe.
Abanye ababolekisi bangasebenzisa ipesenteji ephakamileyo (ukuya kutsho kuma-35%, kodwa abaninzi abantu abakwazi ukuhlawula ngokukhawuleza oku kubhekiswa kwindlu, kwaye ukulinganisa # 2 ngokuqhelekileyo kwenza le nto ibe yi-moot point).
Umzekelo weMilinganiselo # 1:
Ingeniso ehlangeneyo kuwe kunye neqabane lakho li $ 70,000, okanye i-$ 5,833 ngenyanga. $ 5,833 x 28% = $ 1,633. I-PITI yakho yonke ayifanele idlule le mali.
Umlinganiselo # 2: amatyala kwiholo
Isinyathelo soku-1: Bhala phantsi zonke iintlawulo zakho zenyanga zemali ezongezela kwiinyanga ezingaphezu kwe-11 kwixesha elizayo, njengemali-mboleko yemoto, ifenitshala okanye nezinye iimali-mboleko zentengo, iintlawulo zekhadi lesikweletu, iimali-mboleko zabafundi , njl.
Inyathelo 2: Yandisa inani kwinqanaba le-1 .35 (35%). Iingxowa-mali zakho zenyanga, kuquka oko ukulindele ukuhlawula kwi-PITI, akufanele kudlule le nombolo.
Umzekelo weMilinganiselo # 2:
Wena kunye neqabane lakho ninokuhlawulwa kwekhadi lesikweletu ngamadola angama-200 ngenyanga, iintlawulo zeenqwelo zeenqwelo-mali ze-$ 436 kunye ne-508 yeeRhafu (jonga iingcamango), iintlawulo zemali-mboleko zabafundi ezingama-$ 100 kunye ne-$ 75, iintlawulo zedola ezili-100 ngenyanga ngefenitshala oyithengile kwi-akhawunti ekhredithi ye-credit kwaye uya kuhlawula ngaphezu kweeminyaka emibili ubudala, ukuhlawulwa kwetyala ngenyanga yenyanga eyi-1,419.
Yandisa inani lakho lemali ngenyanga ngenyanga ka-5,833 ngenyanga .35 (35%). Inkokhelo yakho yenyanga, kuquka ne-PITI, ayifanele idlule i-$ 2,041. Ukukhupha iintlawulo zakho zenyanga zemali eziyi-1,419 ezivela kwii-2,041 zama-$. Oku kukushiya i-$ 622 ngenyanga ngenyanga yePITI. Yenza iirhafu zakho eziqikelelweyo kunye ne-inshurensi (jonga iingcinga) kwaye ushiye i-$ 386 ngenyanga ukuya kwinqununu kunye nomdla kwi-mortgage.
Indlela Ukuhlawula Kwemoto Yakho Ingakugcina Kwenelungelo Lokuthenga Imali
Ngaphantsi komzekeliso ongezantsi, unokufanelekela indlu ebiza i-$ 61,000 (kwi-interest in 6.5%).
Uyabona ingxaki? Kukho iindawo ezimbalwa eziseleyo eUnited States apho ungathenga khona i-$ 61,000. Yintoni ekugcinayo ukuba ufanele ukufumana imali efanelekileyo yokuthenga imali? Iimoto zakho zeentlawulo! Ngaphandle kwabo, ufanelekile ukufumana intlawulo ye-mortgage (PITI) ye-$ 1,565 ngenyanga (i-$ 2,040 yezigidi ezipheleleyo ezivunyelwe ukuhlawulwa kwetyala zenyanga, zingaphaya iintlawulo zakho zemali zenyanga, kungabandakanywa iintlawulo zemali, i-$ 475). I-1,565 yeerhafu yerhafu yepropati, i-inshurensi yabanini, kunye ne-inshurensi yangasese yemali ye-mortgage, ishiya i-1,074 iinyanga ngenyanga ukuya kwinqununu kunye nentlawulo yenzalo. Ngaphandle kweentlawulo zemoto onokufanelekela indlu ebiza i-$ 169,000.
Indlela onokuyiphepha ngayo ingxaki yokukhetha phakathi kweemoto ezintsha kunye nokufumana ikhaya
Ngoku, ngokucacileyo kufuneka ube nezothutho, ngoko ke ingongoma apha ayiyi kuhamba ngaphandle kweemoto, kodwa ukuqwalasela impembelelo yokuthenga iimoto ezintsha ngokukwazi ukuthenga indlu ukuze ukwazi ukucwangcisa phambili ngokwenza izigqibo zobulumko zokuthenga imoto.
Uninzi lweemoto lihlawule ngokuxabisa ngokukhawuleza, ngoko ukuthenga imoto eneminyaka elilodwa okanye emibini esetyenziswayo kunokukugcina phakathi kwe-$ 5,000 kunye ne-15,000 zamawaka (ukucinga ukuba imoto ixabisa i-$ 25,000 entsha). Oku kuya kuphucula kakhulu umlinganiselo wakho wesikweletu-kuya-ngeniso kwaye uvumele ukuba ufanelekele ukuthenga imali enkulu, ngelixa uvumela ukuba ube ngumntu omhle, phantse iimoto ezintsha.
Ukuthenga okufanayo kunye nemodeli yemodeli esetyenziswe kwimifanekiso engentla, kodwa ukuthenga iimoto ezineminyaka emibili endaweni yokutshintsha izithuthi ezimalunga ne-$ 183 kunye ne-$ 350 ngenyanga ngaphandle kwe-$ 436 kunye ne-$ 508, ukugcinwa kwe-$ 411 ngenyanga. ukukhankanya oko ungasindisa kwi-inshurensi yemoto). Uyakufanelekela i-$ 65,000 indlu eyongezelelweyo, malunga nama-128,000. Unokukwazi ukufumana izindlu ezingama-128 000 zama-$ 61,000!
Ngaphantsi
Umgca weyona nto: uyonwabile (kwaye uzama) ukuba ube neemoto ezintsha, kodwa xa ucinga nge-trade-offs phakathi kwintsha kunye ne-phantse entsha kunye nefuthe elinakho ekuthengeni ikhaya okanye ukuhlangabezana nezinye iinjongo zemali, uyayixabisa?
Iingcinga ezisetyenziswe kweli nqaku Iingqiqo ezisetyenziswe kweli nqaku ngenjongo yomzekeliso:
Omnye umlingane uthenge i-Toyota Tundra Truck ka-2003 nge-4dr Access Cab SR5 4WD SB (4.7L 8cyl 4A) kwixabiso elisezantsi le $ 26,775, kunye ne-Premium 3-in-1 I-Combo Radio w / CD Inguqu ye $ 490, kunye ne-off- ipakethe yendlela ye-1,005 yeeRhafu, kwixabiso elitsha lama-28,270. Omnye umlingane uthenge u-Nissan Altima 3.5 SE-4dr Sedan ka-2003 (3.5L 6cyl 4A) ngexabiso elisezantsi le-$ 23,149, kunye nephakheji yezemidlalo (i-sunroof yamandla kunye ne-spoiler yangemuva) eyi-$ 1,249, eyi-$ 24,398.
Le xabiso yemoto isondele kwixabiso lemoto eliqhelekileyo elihlawulwa ngo-2002.
Unemali-mboleko enhle kwaye inkulu, kwaye unelungelo lokufumana inzala engaphantsi kwe-4.5% ( umlinganiselo wakho wekhredithi uthintela inzala yakho). Imali-mboleko yemoto yakho iyiminyaka emihlanu kwaye ucinga ukuba ukhokhe imali eyi-$ 1,000 kwi-car nganye, ekhokelela ekuhlawuleni i-$ 436 kwi-Nissan Altima kunye ne-$ 508 kwiToyota Tundra.
Ukuba uthengela uNissan Altima oneminyaka emibili endaweni entsha, ixabiso eliqhelekileyo liya kuba malunga needola ezili-10,400 endaweni ye-$ 24,398 kunye nentlawulo yakho yenyanga iya kuba nge-$ 183 kwi-interest ye-6.3% kunye ne-$ 1,000 phantsi (iirhafu kwiimoto ezisetyenziswayo ngokubanzi ziphakame kunamazinga emotweni emitsha).
Ukuba iqabane lakho lithenga iloli yeToyota Tundra elineminyaka emibili esikhundleni se-entsha entsha, i-$ 19,000 esikhundleni se-$ 28,270 (i-Toyotas ayihlazi ngokukhawuleza njengemoto yaseMerika), intlawulo yakho yenyanga iya kuba nge-$ 350 kwi-6.3% inzala kunye ne-$ 1,000 .
Imirhumo yakho yepropati i-$ 2,000 ngonyaka, okanye i-$ 166 ngenyanga kunye ne-inshurensi yakho yomnini-mali i-$ 300, okanye i-$ 25 ngenyanga.
Awukwazi ukuhlawula inkokhelo elingana ne-20% yexabiso lentengo oyithengayo, ngoko kuya kufuneka uhlawule i- inshurensi yangasese yemali , eqikelelwe kwi-45 yezigidi ngenyanga.