Indlela yokunciphisa iintlawulo zakho kunye ne-Mortgage Recast
Indlela yokuHlanywa kwemisebenzi
Uninzi lwemali-mboleko yasekhaya (njenge-15-year-old or 30-year- based mortgage rates ), uhlawula umboleko ngeenyanga ezihlawulelwayo. Ezi ntlawulo aziguquli ngaphezu kobomi bakho mboleko ngaphandle kokuba usebenzise i-rate rateable mortgage- ukuba uhlawula i-$ 1,500 ngenyanga ngenyanga, uya kuhlala uhlawula umlinganiselo ofanayo.
Xa uhlawula imali mboleko, wenza inkokhelo enkulu, kwaye umboleki wakho uhlaziya kwakhona iintlawulo zakho zenyanga. Oku kunokuba luncedo kwiimeko ezininzi:
- Iintlawulo zenyanga zantsi:
- ukuba iintlawulo zakho ezifunekayo ziphezulu kakhulu, ukukhawuleza kunokubangela ukuhlawulwa kwenyanga ngenyanga elula
- Hlawula ityala:
- Ukuba unomthamo omkhulu wemali kwaye ufuna ukunciphisa ityala lakho, i-recast ikuvumela ukuba wenze njalo kwaye ujabulele intlawulo ephantsi
Iintlawulo zemali zibalwa ngokusekelwe kwizinto eziliqela :
- Inani lemali-mboleko - ubuninzi obubolekayo
- Inzala yemali mboleko
- Isixa sexesha oza kuthatha ukuhlawula imali mboleko (eyaziwa njengegama)
Ukuba utshintshe nayiphi na igalelo, inkokhelo yenyanga nganye iya kutshintsha. Nangona kunjalo, iintlawulo zemboleko ngokuqhelekileyo ayitshintshi emva kokubolekwa kwemboleko . Ungathumela imali eyongezelelweyo nganye ngenyanga okanye ubhale isheke esikhulu, kodwa umboleki wakho akayi kuguqula intlawulo yakho yenyanga ngaphandle kokuba ucele (kwaye ufumane imvume).
Ukufumana uhlaziyo
Ukuhlawula imali mboleko yakho, thetha nomboleki wakho. Qala ukubuza malunga nenkqubo ekuqaleni kuba ufuna ezinye iinkcukacha ezibalulekileyo:
Ngaba Umthengisi Wakho Uvumela Ukunyuka Kwemali?
Abanye abakwenzi, kwaye akufanelekile ukuchitha ixesha lakho ukuba akuyiyo inketho.
Yintoni Eyona Ncinci Yokuhlawulwa Kwe-Lump-Sum Payment ukulungelelaniswa kwakhona?
Ungadinga ukulinda nokugcina ixesha elide.
Ubuncinane be $ 5,000 aqhelekanga.
Zingakanani iindleko zokuhlaziya?
Uya kufuneka uhlawule umrhumo weedola eziliqela. Ingqinamba oku ngelixa ucinga ukuba uza kuhlala ungakanani umboleko. Kwakhona, unokufuna ukulinda kwaye wenze inkokhelo enkulu (ukuba imeko ilungile) ukuze ufumane ibhongo yakho ngaphezulu.
Yiyiphi Intlawulo Yakho entsha?
Fumana indlela eninzi ngayo impembelelo yakho yokwenza imali. Akunakube lukhulu njengoko unethemba.
Unokulondoloza Kangakanani Umdla?
Uninzi lwabantu lujolise kwiintlawulo zenyanga, kodwa iindleko zenzalo zibalulekile . Enyanisweni, unako ukusindisa ngakumbi xa wenza imali yentlawulo kwaye awuyi kuphinda uhlawule umboleko. Ukunciphisa ukuhlawula inkokhelo yakho (emva kokunciphisa ityala) ukuze uhlawule umboleko kwimini ebekwe ekuqaleni. Nangona kunjalo, ukuba uyaqhubeka ukwenza intlawulo yokuqala - emva kokuba wenze intlawulo-mali yokunciphisa ibhalansi yemboleko - uza kuhlawula phantsi imali yakho mboleko ngokukhawuleza kwaye ulondoloze imali kumdla.
EziMiselweyo
Xa usulungele ukuqhubela phambili, yinto nje yokuzalisa ifom nokuthumela imali. Qinisekisa ukuba uyazi ixesha lokunciphisa intlawulo yakho kwaye ulinde uze uqiniseke ukuba ukhuselekile ukwenza njalo. Emva koko, fumana into enokuyenza enokuyenza ngemali eyongezelelweyo inyanga nganye: gcina umhlalaphantsi okanye ezinye iinjongo ezibalulekileyo.
Sebenzisa iiNombolo
Umboleki wakho wemali mboleko unokukunika ulwazi oluncedo. Nangona kunjalo, unokukhetha ukucoca ngeenombolo ngokwakho. Ukuze wenze njalo, kuya kufuneka ulandele indlela umboleko ohlawulwa ngayo emva kwexesha. Oku kwaziwa ngokuba yimpazamo - kwaye akunzima ukwenza.
Unako ukubala inkqubela yomboleko wakho ngesandla, kodwa ispredishithi yenza inkqubo ibe lula. Khetha usuku xa uza kwenza imali yentlawulo yemali kunye nokunciphisa ibhalansi yakho mboleko ngokufanelekileyo. Emva koko, kubala ukuba inkokhelo entsha iya kuthatha ixesha elifanayo lomvuzo (ngamanye amagama, ukuba uneminyaka eyi-12 esele uboleka imali, kubala iminyaka eyi-12 - ungaqali nge-mboleko yeminyaka engama-30).
Emva koko, jonga amanani ukuze ubone ukuba ulondoloze kangakanani. Zama ngeemali ezahlukileyo zokuhlawula uze ufumane oko kukusebenzayo.
Ukuhlaziya okanye ukuphinda?
Kwakhona, ukuhlaziya akusoloko kuyona nto ingcono.
Enye indlela elula kukukwenza nje ukuhlawula imali kwaye uqhubeke neentlawulo zakho zenyanga (ezinkulu). Ukuxhaswa kwemali mboleko ngenye indlela.
Ngamanye amaxesha kunceda ukuthelekisa nokwahlukana, ngoko nantsi indlela ekuqhathaniswa ngayo nokuqhathaniswa:
- Imirhumo iyancipha ngokukhawuleza
- Imali (okanye "iwashi") ayiqali xa uhlawula (kule minyaka yokuqala yemali-mboleko yeminyaka engama-30, uhlawula inzala engaphezulu kunokuba uhlawula ityala lakho)
- Iindleko zokuvala zihlawulwa kuphela xa uhlaziya, nangona kukho imali yokuhlaziya
- Inkqubo ingaba lula kwaye ikhawuleze ngenxa yokuba awuyidingi ukuhlolwa kwee-appraisal, ukuhlolwa kwekhredithi, okanye ukubhala phantsi okufunekayo kumboleko omtsha
- Inzala yemali oyihlawulayo ayitshintshi ngokutsha, kodwa inokutshintsha xa uhlaziya
Ekugqibeleni, ukulungelelanisa kunengqiqo xa unemali engaphezulu kwaye unemboleko efanelekileyo. Ukuhlaziywa kwemali kuyimpendulo xa unokwenza ngcono ngokusula imali ekhoyo kwaye uqale utsha - qi ni sekise ukuba awupheli umvuzo wakho ngokunyusa ubomi bakho.