Iinkonzo kunye neNgcembelelo yokwenza ukuhlawula phantsi
- Intlawulo yokuqala
- Ukuhlawula rhoqo iintlawulo (iintlawulo zenyanga, umzekelo)
- Kwezinye iimeko, iintlawulo ezongezelelweyo zemali (iintlawulo ezikhethiweyo zokunciphisa ityala lakho okanye ukuhlawula umboleko ngokupheleleyo)
Njengokuba kukho izinto ezininzi, indlela eqala ngayo izinto yinto eyakunceda okanye ikunyamezela iminyaka ezayo, ngoko ke kubalulekile ukuqonda intlawulo yokuqala. Emva kokuba wenze oko, qalisa ukugcina ukuze icebo lakho liphumelele .
Yiyiphi Intlawulo ephantsi?
Inkokhelo ephantsi yintlawulo ephezulu phambi kwakho ukuthenga into. Ingumlinganiselo wexabiso lokuthenga ozihlawulayo (ngokuchasene nokuboleka). Le mali ivela kwi-yakho imali yokugcina imali kunye nekheshi ozisa kule tafile. Ewe, ukuhlawula iintlawulo akunqabile ngohlobo lwemali ekhoyo. Kwiimeko ezininzi uzakuzisa isheke okanye wenze intlawulo yekhompyutha .
Iintlawulo eziphantsi zidla ngokuphindaphindiweyo, kodwa kungekho njalo, inxalenye yemboleko. Xa ubona "zero down" izibonelelo, akukho ntlawulo yokuhlawula iyadingeka, kodwa kunokusilumko ukwenza enye. Ukuhlawula ngokuhlawula ngokuqhelekileyo kubandakanya ipesenteji enentsingiselo yemali yokuthenga (njengama-20%). Intsalela yemali mboleko ihlawulwa ngokuhamba kwexesha kunye neentlawulo zentlawulo rhoqo- ngaphandle kokuba uhlawula umboleko ngokukhawuleza ngokubhala isheke esikhulu okanye ukuhlaziya .
Umzekelo: uthengela indlu i-$ 100,000 (ukungahoywa iindleko zokuvala ). Ukhusele ngenyameko i-$ 20,000 kule njongo, kwaye uzisa i- checksheet yokukhangela imali engama-20,000 ehlawula intlawulo (okuyi-20% yentengo yokuthenga). Ngenxa yoko, uya kuboleka i-$ 80,000, onokuyihlawula ngemali engama-30 ngonyaka.
Ingakanani ukuhlawula?
Unokukhetha ngokubanzi indlela enkulu yokuhlawula inkokhelo yokwenza, kwaye isigqibo asikho lula ngaso sonke isikhathi.
Abanye abantu bakholelwa ukuba baninzi kulunge, ngelixa abanye bekhetha ukuhlawula iintlawulo ezincinane kangangoko kunokwenzeka. Uya kufuneka uhlalutye i-pros and cons and uzinqume wena.
Inkokhelo enkulu egcina ibolekisa ubuncinci. Xa uhlawula phambili, inkokhelo yakho encinci. Oko kuthetha ukuba uza kuhlawula imali encinci kwiindleko zentshisekelo ebomini kwimboleko yemali mboleko, kwaye uya kunandipha iintlawulo eziphantsi zenyanga . Ukubona indlela oku kusebenza ngayo wena, thabatha amanani ukusuka kuyo nayiphi na imali mboleko oyicingayo kwaye uyifake kwi-calculator yemboleko . Zama ngokutshintsha ibhalansi yemboleko kwaye ubukele indlela amanye amanani alungisa ngayo.
Intlawulo enkulu inokukunceda ukunciphisa iindleko ngendlela engaphezulu kweyodwa. Umzekelo, unokufumana inzala engaphantsi xa ubeka ngaphezulu. Ababoleki bathanda ukubona iintlawulo ezininzi ngenxa yokuba banokufumana imali yabo ngokulula xa ungekho phantsi kwemali mboleko (kwaye bahlawula ngaphezulu xa umngcipheko omkhulu). Ungakhohlisa kwakhona i-inshurensi yokubolekwa kwemali kunye neminye imirhumo ngeentlawulo ezinkulu.
Ukuba neentlawulo eziphantsi zenyanga zenza ubomi bube lula kwixesha elizayo. Ukuba ingeniso yakho inguqu (ngenxa yokulahlekelwa ngumsebenzi, umzekelo), iintlawulo eziphantsi ezifunekayo zenyanga zinikeza enye indawo egumbini. Ngaphezu koko, iintlawulo eziphantsi kwenza kube lula ukufumana iimali-mboleko ezongezelelweyo kwixesha elizayo.
Ababoleki bathanda ukubona ukuba unemali engenayo okwaneleyo ukuhlangabezana neembopheleleko zakho zenyanga, kwaye bavavanya oku ngetyala kwinani lentlawulo .
Kuthekani ukuba ufuna ukufikelela kwimali? Kwezinye iimeko unokuboleka kuyo nayiphi na into oyithengileyo. Kulo mzekelo ungentla, mhlawumbi ungeke udibanise kwi $ 20,000 otyalomali ekhaya lakho kuba ababolekisi banqikaza ukuya ngaphezulu kwe-80% mboleko ukuxabisa . Kodwa ukuba okokuqala ubeka phantsi ngaphezu kwe-20% okanye uzuze ngokwaneleyo ukunandipha ukuxabisa intengo, unokutsala enye yale mali ngaphandle kwemali mboleko yemali .
Inkokhelo encinci yokuhlawula ilungile ngenxa yezizathu ezicacileyo: akudingeki ukuba uze nemali eninzi. Ukulondoloza i-20% yokuthenga ikhaya kungathatha iminyaka. Ukuba ukwenzeka ukuba ulondoloze imali eninzi, uyatshwenyeka ukuba uyingxenye nayo yonke imali - yintoni ukuba kukho into ephakanyayo (imoto yakho iyahla, iphakame iingxaki zempilo, njalo njalo)?
Ukubeka yonke imali yakho kwindlu okanye imoto kuthetha ukuba unayo yonke imali eboshwe kuyo into enokuba nzima ukuyithengisa, kwaye abanye abantu abakhathazekiyo.
Ngokukodwa xa kuthengwa kuthengwa kwekhaya, iintlawulo ezincinci ezithintekayo zizama. Unokuthenga iminyaka emininzi kwangaphambili, kwaye ugcina imali esandleni sakho ngenxa yokuphuculwa okungenakupheka nokulungiswa. Kodwa ukubeka ngaphantsi kwe-20% phantsi kungakubiza (ubuncinane okwethutyana - jonga ngezantsi).
Ekugqibeleni, uya kufuna ukujonga iindleko zithuba. Unokukhetha ukusebenzisa imali ngezinye iinjongo, ezifana nokulondoloza umhlalaphantsi okanye ukwandisa ishishini lakho.
Ngokuqinisekileyo, isigqibo singasese, kwaye ukhetho olufanelekileyo luxhomekeke kwiimeko ezininzi. Ngokufanelekileyo unemali exakeka ngokukhawuleza ukuba ujongane nayiphi na into emangalisa, kwaye awuphangi kweso sikhwama ukwenzela ukuhlawula imali.
Izidingo zeLender
Akuqhelekanga kubabolekisi ukubeka ubuncinane bentlawulo efunekayo (kodwa ngokuqinisekileyo unakho ukuhlawula ngaphezulu xa uthanda). Kwakhona, ukuhlawula okukhudlwana kunciphisa umngcipheko wendleko: ukuba ngaba bangaphaya kwekhaya lakho okanye baphinde bahlawule umbane wakho, akudingeki ukuba bathengise i-dollar ephezulu ukuze bahlawule imali.
Iintlawulo eziphantsi kakhulu zinokuba nefuthe leengqondo. Bonisa ukuba "unesikhumba emdlalweni" - kwaye wenza njalo . Ngenxa yoko, unako ukuqhubeka uhlawula iintlawulo (ukuhamba kude kuya kuba kubi). Ukusuka kwimiba eyahlukileyo, inkokhelo yokuhlawula ibonisa ababolekisi abazimisele ukuba bakwazi ukuza kunye nenxalenye yentengo yokuthenga, ngoko bazimisele ukuvuma iimali-mboleko.
Ziziphi ezinye iimfuno eziqhelekileyo? Xa kuthengwa ngekhaya, i-20% iyinombolo ebalulekileyo. Ukuhlawula okungenani i-20% kukuvumela ukuba ugweme ukuhlawula i-inshurensi yangasese yangasese (PMI), ekhusela umboleki wakho xa ungekho phantsi kwemboleko. Ukuba awukwazi ukuzisa i-20% etafileni, umboleko we-FHA unokuba yindlela efanelekileyo, efuna kuphela u-3.5% phantsi (kodwa uya kuhlawula i-inshurensi, kwaye uya kufuna ukuvavanya ukuba ungena isithuba esihle sokuthenga).
Ukubolekisa ngemali mboleko, ababolekisi bangadinga ubuncinane i-10% phantsi. Nangona kunjalo, abanye ababolekisi bazimisele ukuvumela ukuya kwi-110% ye-LTV (ngokusekelwe kwixabiso leKelley Blue Book).
Kwiimeko ezininzi, iintlawulo eziphantsi ziza "njengekheshi" (okanye mhlawumbi isheke, umyalelo wemali okanye ukutshintshela i-wire). Kodwa imali ayisoloko ifunekayo. Ngokomzekelo, umhlaba ungasetyenziselwa ukuhlawula xa kuthengiswa umboleko wokwakha .