Ubuninzi buntengiselwano onokuwuphatha kakuhle?
Yonke imibuzo engqiqo, engqiqweni. Uninzi lwababuyiselwa ekhaya luye luchaza ukuba bangakanani ukufikelela.
Unokuqikelela ngokulinganisela ukuba ingakanani imali engenayo kunye nebhajethi yakho inokukwazi ukufumana xa uqonda yonke imiqathango echaphazelekayo kunye nendlela echaphazela ngayo amandla akho okuthenga.
I-Front-End Debt Ratios
Okokuqala, jonga umvuzo wakho wenyanga. Ingeniso yakho ngaphambi kwentela kunye nezinto ezifana neminikelo yokuthatha umhlalaphantsi zithathwe. Oku kungakanani okwenzayo ngenyanga, kungekhona ukuba uthatha kangakanani ekhaya. Sebenzisa le nombolo ukubala ezimbini.
Ababoleki basebenzisa oko kubizwa ngokuba yi-front-end ratio, ebonakaliswa njengepesenti yengeniso yakho yenyanga yenyanga, ukucacisa ukuba ungakanani umboleko onokuwufumana. Ubungakanani bokugqibela bokugqibela bubonisa intlawulo onokuyithenga ngokufanelekileyo kwi-point of view, nangona oku akutsho ukuba awukhethanga inkokhelo ephantsi.
Umlinganiselo wokugqibela we-FHA mboleko i-31 ekhulwini ngonyaka ka-2017. Ngokomyinge wesiqhelo, umlinganiselo wokugqibela-phambili ngowama-28 ekhulwini. Oku kuthetha ukuba ukuba ingeniso yakho yenyanga ngenyanga i-$ 4,000, inqununu yakho yenyanga, inzala, irhafu kunye nentlawulo yinshuwalense , ebizwa nge- PITI , ayikwazi ukudlula i-31 ekhulwini yee-4,000, okanye i-$ 1,240.
Iphuma kwi $ 1,120 i-PITI ngemboleko eqhelekileyo.
Iimali ezixhasayo zeMali-mboleko
Umlinganiselo wokugqibela wokugqibela ukhombisa intlawulo yakho entsha yentlawulo kunye nayo yonke inkohlakalo yakho. Kwakhona, kubalwa, kubalwa kwimali engenayo yenyanga. Inani lokugqibela lokugqibela lihlala liphezulu kunomlinganiselo wokugqibela. Isiqingatha sokugqibela siphezu kwama-43 ekhulwini ngo-2017 kwi- FHA mboleko kunye nama-36 ekhulwini ngemali-mboleko.
Oku kuthetha ukuba ukuba inkokhelo yakho yemoto uyi-$ 300 kwaye uhlawula i-$ 100 ngenyanga phakathi kwamakhadi amabili e-credit, i-debt yakho yenyanga ephindaphinda i-$ 400. Ityala lakho lilonke liza kuba ngu-1,640 yeeRhafu kubandakanya ukuhlawulwa kwe-FHA yemali eyi-1,240 ye-PITI kunye ne-$ 400 kwi-deb. Inombolo yokugqibela yokugqibela i-$ 1,720, okanye iipesenti ezingama-43 zama-4,000. Ityala lakho lilonke lingaphantsi kwamaRandi 1,720 ukuze ufaneleke.
Kwimali-mboleko eqhelekileyo, phinda i-$ 4,000 ngama-36 ekhulwini ukufika kwi-$ 1,440. Ingxowa yakho epheleleyo ye-$ 400 kunye nentlawulo yakho entsha yokubambisa i-$ 1,120 yemali-mboleko eqhelekileyo ilingana ne-$ 1,520. Oku kungaphezulu kwesilinganiso sokugqibela se-$ 1,440, ngoko ungeke ufanelekele ukubolekwa kwemali mboleko.
Intengo yokuThengiswa kweNdlu Ukungaqiniseki
Ngoku ukuba uyazi ukuba uninzi lweentlawulo zempahla onokuthi ufanele ukufumana, ungaziqonda ukuba uhambelana njani nentengo yokuthengisa. Uyakuva iingcali zithi kufuneka uhlawule naphi na amaxesha amabini ukuya kwisithandathu umvuzo wakho wonyaka, kodwa unengqiqo ukujonga inani lemali yokuboleka imali onokufumana ngayo intlawulo yenyanga.
Inani lakho lokuthenga imali liya kuxhomekeka kwixabiso lentengo. Amanani omdla atshintsha imihla ngemihla, ngezinye iiyure. Yithi ufuna ukuhlawula i-$ 1,000 ngenyanga ye-PI. Inzala ye-6 yepesenti kwimali-mboleko yeminyaka engama-30, unokuboleka i-$ 170,000, ehlawulwa kwi-1,019 yeenyanga ngenyanga.
Kwimivuzo ye-7 ekhulwini, nangona kunjalo, unokuboleka i-$ 150,000 kuphela, ehlawulwa kwi-$ 998 ngenyanga. Kulo mzekelo, ulahlekelwa yimali engama-20,000 ebolekayo xa isantya sisuka kwi-6 ukuya kuma-7 ekhulwini.
Uhlawulo oluphantsi
Inani lokuhlawula phantsi lixhomekeka kwiimeko ezininzi. Okokuqala, uziva ukhululekile ukubeka phantsi? Ngokuqhelekileyo kucetyiswa ukuba abathengi bexesha lokuqala bekhaya bagcina indawo yokugcina impilo kwaye bangalahleli yonke ikhefu enye abanakho ukuhlawula ekhaya.
Ukuba unelungelo lokufumana inkxaso-mali ye-100%, ukuhlawula kwakho phantsi kuya kuba yinto. Iimali-mboleko ze-VA ziyafumaneka kubadala be-anti-cash-down. Ezinye iinkqubo zomthengi zasekhaya lokuqala ziyamkela ababolekekisi ngemali engancinci isipho phantsi kweenkqubo zokuhlawula , ukubonelela ukuba banokuhlangabezana nemingcele ethile yokufumana imali. Awunakufaneleka ukuba ufumana imali eninzi.
Iintlawulo eziphantsi kwe- FHA phantsi kweepesenti ezingama-3.5 zexabiso lokuthengisa ngo-2017.
Intengo yakho yokuthengisa yayiyi-$ 155,440 kwaye imali yakho yokuhlawula iya kuba yi-$ 5,440 xa uboleka i-$ 150,000. Ezinye iinkqubo zokuthengwa ekhaya zangaphambili ziyakunceda ekuhlawuleni xa zisetyenziswa ngokubambisana ne-FHA.
Nayiphina imboleko engaphezulu kwama-80 ekhulwini kwixabiso lokuthengisa liza kufuna i- PMI okanye i-inshurensi yangasese yecredit mortgage, kwaye oku kuya kwandisa intlawulo yakho yenyanga. Iintlawulo ezisezantsi zi-5 ekhulwini, iipesenti ezili-10 okanye i-15 ekhulwini yexabiso lokuthengisa. Ukuba uceba ukubeka phantsi ama-5 ekhulwini kwaye uboleka i-$ 150,000, intengo yakho yokuthengisa yayiyi-$ 157,900 kwaye ukuhlawula kwakho kuya kuba yi-$ 7,900.
Kwaye kukho iindleko zokuvala. Abanye abathengisa ngamanye amaxesha baya kuhlawula ezinye okanye zonke iindleko zokuvala zomthengi , kodwa unako ukufumana ukuba baya kwengeza ukuya kuma-2 ukuya kwe-3 ekhulwini lexabiso lokuthengisa. Kwintengo yokuthengisa ye-150,000, iindleko zakho zokuvala zingahamba malunga ne-4,500 zamaRandi kwimali yokuthengisa eyi-$ 150,000, eyongezelelekileyo kunye nentlawulo yakho.
Inqanaba lokuThuthukiswa kweNtlawulo
Ngaphambi kokuba ungene kwi-homeownership, kutheni ungabeki bucala imali eyongezelelweyo oyayihlawula imali yokuthenga imali nganye ngenyanga ukuze ubone indlela oyenzayo? Umzekelo, ukuba irenti yakho i-$ 800 kwaye uceba ukuhlawula i-$ 1,200 yokuhlawulwa kwe-PITI, wabeka eceleni i-$ 400 ngenyanga malunga neenyanga ezintathu ukuya ezintandathu. Ngamanye amazwi, zenzele ukuba wenza inkokhelo yokuboleka imali. Ukuba i-$ 1,200 ngenyanga ayifaki ukuba ufumane imali, unokufumana imali eninzi yokuhlawulwa kwemali.
Ukuba uziva ukhululekile ukuboleka ngaphantsi kwexabiso eliboniswe ngetyala lepropathi yakho , yenza njalo. Musa ukwenza iphutha lokuthabatha imali eyoba ngumzabalazo wokugcina. Yenza into evakalelwa ngayo.
Ikhaya lephupha linokulinda. Mhlawumbi akudingeki ukuba uthenge ikhaya elibiza kakhulu elifanelekileyo ukuthenga. Cinga ngekhaya lokuqala njengendlu yakho yokuqala. Qala usebenze ngokukwakha ubulungisa kunye nokukhuseleko wena kunye nosapho lwakho. Yintoni umthengi we- boomerang ?