Isihloko sokuThengiswa asikho mboleko
Yintoni Ukuthenga Isihloko?
"Ukuthenga kwisifundo" kuthetha ukuthenga isifundo sekhaya kwi-mortgage ekhoyo.
Kuthetha ukuba umdayisi akakhokheli imali ekhoyo kwaye umthengi uthatha iintlawulo. Ibhalansi engabhawulwayo ye-mortgage ekhoyo ibalwa njengenxalenye yentengo yomthengi.
Kutheni Umthengi angathenga isiGaba seKhaya ku-Mortgage?
Isizathu esiyinhloko sokuthenga phantsi kukuthatha inzala yomthengisi okhoyo. Ukuba amaxabiso enzala ayenama-7% kwaye umthengisi unesilinganiso se-interest-fixed-5%, ukuba ukuhluka kwe-2% kunokwenza umehluko omkhulu kwintlawulo yenyanga.
- Ukuhlawulwa kwemali engama-200 000 kwi-interest rate ye-5% ihlawulwe ngokuhlawulwa kwe-$ 1,073.64 ngenyanga.
- Imali engama-200,000 yokubolekwa kwintlawulo yemali yenzalo ye-7% ihlawuliswe ngentlawulo ye-$ 1,330.60 ngenyanga.
- Ukulondolozwa kwenyanga nganye phantsi kwezi meko ku-$ 256.96 okanye i $ 3,083.52 ngonyaka.
Isizathu sesibini: abathengi abaqhelekanga ukuthenga ikhaya xa besetyenziselwa ukuxhaswa ngaphandle kokuba umdayisi anqume ukutsala ingxelo yengxelo yomthengi.
Ukuba umthengisi uzimisele, nokuba umthengi ngekhredithi embi angayithenga isifundo sekhaya.
Iintlobo ezintathu zeSihloko kwiinketho
Isihloko esithengiswayo asibandakanyi ukuxhaswa kwemali kodwa kungenjalo. Ingaba umthengisa uthetha nayiphi na uhlobo lokuxhaswa kwemali kuxhomekeke ekubeni umthengisi uyayifaka ingxowa-mboleko kunye / okanye isixa sokuhlawula phantsi kwexabiso lokuthenga.
- Umxholo ochanekileyo kumboleki-mali-mboleko: Olunye uhlobo oluqhelekileyo oluxhomekeke kuyo xa umthengi ehlawula imali ngemali phakathi kwentengo yokuthenga kunye ne-balance balance loan. Ngokomzekelo, ukuba ibhalansi yemalimboleko ekhoyo i $ 150,000 kwaye intengo yokuthengisa i-$ 200,000, umthengi kufuneka anike umthengisi imali engama-$ 50,000 ngemali.
- Umxholo ochanekileyo kunye nomthengisi uphendule: Umthengisi othwala imali , owaziwa ngokuba ngumthengisi okanye umnini-mali, uninzi lufumaneka kwimeko yesibini . Umthengisi we-backback angaba yintraki yomhlaba okanye itywala yokuthengisa indawo yokuthengisa.
Ngokomzekelo, ukuba intengo yokuthengisa i-$ 200,000, ibhalansi ebolekileyo i-$ 150,000, kwaye umthengi uhlawula i-$ 20,000, umthengisi uya kuthwala ibhalansi eseleyo eyi-30,000 kwi-interest rate ehlukeneyo kunye nemigomo ethethathethwano phakathi kwamaqela. Umthengi uya kuvuma ukwenza inkokhelo enye kumthengisi womthengisi kunye nentlawulo ehlukeneyo kumyinge we-interest rate kumthengisi.
- Ukugoba-ngeenxa zonke : Isihloko sokujikeleza ukunika umthengisi ukuba angaphezu komdla kuba umthengisi wenza imali kwi-balance balance mortgage. Masithi imali ekhoyo ekhoyo ithatha inzala ye-5%. Ukuba intengo yokuthengisa i-$ 200,000 kwaye umthengi ubeka i-$ 20,000, umthengisi uya kubuyisa i-$ 180,000. Ngezinga le-6%, umthengisi wenza i-1% kwi-mortgage ekhoyo ye-150,000 kunye no-6% kwi-30,000 ye-$. Umthengi uya kuhlawula i-6% kwi $ 180,000.
Ukwahlukana phakathi koMxholo kunye neNgxowa-mboleko
Kwimeko yokuthengiselana, akukho umthengisi okanye umthengi utshela umboleki-mali okhoyo ukuba umthengisi uthengise ipropati kwaye umthengi ngoku wenza iintlawulo. Umthengi akafumananga imvume yebhanki yokuthatha imali mboleko. Ababolekisi babeka i-verbiage ekhethekileyo kwiimali zokubolekwa kwemali kunye nezenzo zithemba ezinika umnini-mali ilungelo lokukhawulezisa umboleko xa kwenzeka ukuhlukaniswa .
Ngaba iibhanki zibiza ezi mboleko ezifanele kwaye zihlawulwe xa zidluliselwa? Kuyaxhomekeka. Kweemeko ezithile, ezinye iibhanki zonwabile kukuba umntu-nabani na - wenza iintlawulo. Kodwa iibhanki zinelungelo ngenxa yesigatya sokukhawuleza kwi-mortgage okanye ngezenzo zokwethemba. Yiloo nto eyenza imeko ibe yingozi kumthengi. Ukuba umthengi akakwazi ukuhlawula imali mboleko kwi-bhanki yemfuno, ibhanki inokuqalisa ukuchithwa .
Ukuba umthengi wenza into yokubakhombisa imali , umthengi uhlawula ngemboleko ngemvume yebhanki. Oku kuthetha igama lomthengisi lisuswa kwimboleko, kwaye umthengi ufanelekela ngembolekiso, njengawo nawuphi na umboleko wemali yokuthenga . Ngokuqhelekileyo, iibhanki zithenga umthengi imali yokuthatha ingqalelo ukulungiselela ukuhlawulwa kwemali mboleko, kodwa umrhumo ungaphantsi kweemali zokufumana umboleko oqhelekileyo . Iimali-mboleko ze-FHA zivumelekile ukuba inkokhelo yokubolekwa kwemali mboleko kodwa ininzi yemali mboleko ayikho.