Iimali eziphantsi kweMali yokuThengiswa kweMali zingenza ukuba zikhangeleke kwiRhafu, kodwa zikho iindleko
Imilinganiselo yeeNgxowa-mali
Ukuba unomyinge onokulungiswa kwemali kwaye izinga lakho libuye lisetyenziswe kwisilinganiso esiphezulu kunezinga lokuqala eliphantsi, ngokuqinisekileyo lifanele lijonge ekuhlaziyweni. Iindaba ezilungileyo kukuba i-mortgage rate eguquguqukayo inokutshintsha amaxabiso omdla kwixesha lemali-mboleko, kwaye xa amaxabiso ehla, oku kulungile. Kodwa ingxaki yangempela kukuba kunjalo, usenokufumana ukuba uhlawula ngaphezu kokuba uya kuba ne-mortgage rate rate.
Amanqaku e-Mortgage-Rate
Umgangatho omdala xa kuziwa kwimali-mboleko yasekhaya, imali ehlawulwa ngokuthenda imali ingenye yezindlela ezifanelekileyo zokufumana imali yokuthengwa kwekhaya. Oku kungenxa yokuba isantya senzala ayitshintshi ixesha, oko kuthetha ukuba inkokhelo yakho iyahlala iyafana. Ukuzinza kwentlawulo kukhulu, kodwa kukho amaxesha apho ingaba yintsilelo.
Ukuba iirhafu zemali zithengwa kwixesha elizayo, unokufumana uhlawula umdla ongaphezulu kunokuba ungayifumana kwi-mortgage yangoku.
Oku kunokuthetha ukuphonsa imali kude nomdla onokukuphepha. Kodwa i-reverse iyinyaniso. Ukuba uvale kwizinga elimisiweyo elisezantsi, ukuba amazinga aya kunyuka, uyazi ukugcina imali eninzi phezu kwabanye abakufumana iimali-mboleko zangoku kumazinga aphezulu.
Cinga ngeendleko
Xa uqwalasela ukuba okanye ungayinakulungiseli imali yakho yokuthenga, ufuna ukujonga ngokukhawuleza ukuba uceba kangakanani ukuhlala ekhaya. Ekubeni kukho iindleko zokuvala ezingaba ngamawaka eedola, ukhangele ukuba uza kuthatha ixesha elide ukudiliza nangona ufanele uhlaziye.
Ngokomzekelo, masithi inqanaba elingu-1% lentlawulo ephantsi liza kunciphisa intlawulo yakho yenyanga yokuhlawulwa kwemali nge-$ 100. Akuyonto into yokukrazula, kodwa masithathe iindleko zakho zokuvala ekuhlaziyeni i-$ 3,000. Oko kuthetha ukuba uya kufuneka uhlale endlwini kwiinyanga ezingama-30 ukuze udibanise nakwi-refinance. Ukuba izicwangciso zakho zingaphumelela kwiminyaka emithathu okanye ngaphantsi, unokubona apho ukuhlaziywa okunokukuhlawula khona.
Inani leMali
Enye into ekufuneka uyiqwalasele yindlela enokulinganayo ngayo ekhaya. Uninzi lweebhanki luya kufuna ukulingana kwe-20% ukwenzela ukulungiswa kwemali yakho. Kusenokukwazi ukuhlaziywa ngaphandle kokulingana okulinganayo, kodwa uya kufumana i-best deal if you have a 20% equity equity.
Ukongeza, ukuba uhlala kwindlu kwithuba elithile kwaye wakha inani elilinganayo lokulingana, unako ukusindisa imali engakumbi kuba unokukwazi ukuhlaziya imali engaphantsi kwesixa-mali sokuqala.
Oku kunokunciphisa iintlawulo zakho zenyanga ukususela ngoku uhlawula imali encinci.
Musa ukulibala malunga neMigqaliselo emitsha
Enye into abantu bayalilibala kukuba ukuhlengahlengisa kuya kwandisa ixesha lokuboleka imali. Ukuba uye wenza iintlawulo kwi-30 yakho yeminyaka eyiminyaka edlulileyo, ubeneminyaka engama-20 kuphela. Kodwa ukuba uhlaziywa, ukuba ukhetha omnye umhlala-phantsi weminyaka engama-30, ubuyele ekuqaleni. Kodwa oko abanye abantu abakwenzayo ngokwenene bahlaziywa ukususela kwiminyaka engama-30 ukuya kwiminyaka eyi-15 ukuba sele beneminyaka emininzi yeentlawulo phantsi kweebhanti zabo.
Ukuqwalaselwa kokugqibela
Njengoko ubona, kukho izinto ezininzi zokuqwalasela phambi kokuqhuma kwibhanki. Ewe, izinga lokunciphisa imali elincinci lilungile, kwaye liyakusindisa imali, kodwa akunjalo lula. Kufuneka uqinisekise ukuba uya kuhlala kwindlu ixesha elide ukwenzela ukuba uzuze, kwaye unqume ukuba mhlawumbi ukutshintsha imigaqo-mboleko kuwufanele.
Akunjalo nje, kodwa imbali yakho yemboleko ibaluleke ngakumbi kunanini ngaphambili. Ukuba i-credit yakho ayigqibekanga okanye unamanqaku angabonakali kwingxelo yakho, unokufumanisa ukuba awukwazi ngisho nokusebenzisa amaxabiso angcono.
Ngoko, ukuba ixabiso elincinci unomdla wokuhlaziywa, kubalulekile ukujonga. Qinisekisa ukuba awuthatyathwa yinqanaba leyodwa kwaye ukuba uya kubuya umvuzo wokuhlaziywa.