Funda i-pros and cons of points points
Uninzi Kangakanani Iindleko?
Iindleko zepasi ngalinye lilingana nepesenti enye yemali mboleko. Ngokomzekelo, imali ehlawulwa ngemali eyi-100 000, inqaku elinye lokuphuhlisa lilingana ne-1,000.
Unomdla Omncinci Kangakanani?
Ixabiso ngalinye elihlawulelwayo elihlawulwa ngemali -mboleko yeminyaka engama-30 ngokunciphisa umlinganiselo wenzalo ngamaphesenti angama-0.25, ngo-2016. Ukuhlawulwa kweengongoma kunciphisa umlinganiselo wakho wenzala, kuba umboleki uyayifumana ingeniso kwisixa semali ekuvalweni kunokuqokelela umdla njengoko ukuhlawula imali yakho mboleko.
Ngaba Ndithenga Amaphuzu?
Ingaba okanye ungayikhokheli amaphuzu anengqiqo kuwe kuxhomekeke ekubeni uceba kangakanani ukugcina imali mboleko. Sebenzisa i- calculator yokuboleka imali ukukunceda wenze isigqibo.
- Bala inani lokuhlawula kwenyanga yakho kwinqanaba lentlawulo uza kuhlawulwa xa ungathengi amaphuzu.
- Bala inani lokuhlawulwa kwenyanga nganye kwizinga eliphantsi ukuba uhlawula amaphuzu.
- Ukukhipha intlawulo engaphantsi kwintlawulo ephezulu ukufumana imali egcinwe inyanga nganye.
- Hlukanisa imali ehlawulwe ngamaphuzu ekuvalweni kwenyanga egcinwe. Isiphumo siyinani leenyanga kufuneka ugcine umboleko ukuba uphule-nakwiindawo zokuhlawula.
Uphule Ngomzekelo
Imali-mboleko eyi-100 000 yeeRhafu - Ixesha leMinyaka eli-30
- 7.5% Inzala, akukho ndawo = $ 699.21 intlawulo yenyanga
- Ukuthenga inqaku eli-1 kwi-$ 1,000 = intlawulo nganye ngenyanga 690.68
- Isindleko seNyanga = $ 8.53
- $ 1000 / $ 8.53 = iinyanga ezili-117
Ikhefu lakho-kwinqanaba ezili-117 - okanye malunga neminyaka eyi-10 ukubuyisela indleko yokuthenga ixabiso lesaphulelo, ngokuqwalasela kuphela ukubala okulula kwale mali kwixabiso la namhlanje.
Ekugqibeleni, sigqibo malunga nokuba uceba kangakanani ukuhlala ekhaya. Ukuba uceba ukufumana ikhaya ixesha elifutshane, amanqaku okuphuhlisa angenakukuxabisa indleko.
Ukucwangcisa okuNcinane kweNqununu
Ukuba ukhangele iishedyuli zamashishini ukuthelekisa ezimbini zemali-mboleko, uza kubona ukuba imali ebolekisayo yemali engenayo inesixa esincinane sezantsi ekupheleni kweenyanga ezili-117, i-87,024 i-87,024 kwi-87,259 kwi-mboleko ye-7.5%. Ngoko unokufuna ukuqwalasela umlinganiselo wokulondoloza ukuba uthathe isigqibo sokuba uthenge amaphuzu.
Ngaba uMthengisi angakwazi ukuhlawula amaPhuzu Amaphulelo am?
Mhlawumbi. Thetha nomboleki wakho malunga noko kuvunyelwe ngemboleko yakho. Umthengisi mhlawumbi ufuna ixabiso eliphezulu lokuthengisa ukuba uhlawule inxalenye yemirhumo yakho, kodwa unako ukungena endlwini ungenayo imali encinane ekuvaleni .
Ngaba iRhafu yeNkcazo iReductible?
Ewe, amaphuzu ahlawulwe kwi-real estate yokuhlala ahlawule irhafu kunyaka abahlawulwa ngawo. Abathengi banokuthi bathathe imali ehlawulwayo nokuba umthengisi uyahlawula amaqaku ekuvalweni.
Ngaba Amaphuzu Aphuculwayo Afana Namaxabiso Okuqala?
Imirhumo yemvelaphi yintlawulo ehlawulweyo yokujongana nemboleko yakho. Ngokuqhelekileyo iindleko ezifanayo kunye nenqaku elinye, kodwa luhlobo lwemirhumo eyahlukileyo. Buza umnini-mboleko wakho ukuba uza kuhlawulwa intlawulo yemvelaphi.