Ukubala okulula kukuvumela ukuba ubone into onokuyisebenzisa kwi-mortgage
Ucinga ukuba oku kuya kubandakanya ukubalwa okunzima okubandakanya ukubuyiswa kwentela emininzi yeminyaka, kwaye mhlawumbi iqondo eliphambili kwezoqoqosho. Kodwa eqinisweni, ukufunda imilinganiselo yakho yokuthenga ekhaya kuthatha imizuzu embalwa kunye nematriki elula.
Umthetho weNgxowa-mali
Eyona nto ibalulekileyo ababolekisi basebenzise njengomthetho wesityhubo sokuba unokubakhoda kangakanani umlinganiselo wakho wetyala-kuya-ngeniso, ebonisa ukuba ingakanani imali yakho engenayo efunekayo ukuhlawula iimbopheleleko zakho zetyala, njengemali yakho yokuboleka imali, ikhadi lakho lesikweletu iintlawulo, kunye nemali mboleko yakho.
Ababolekisi abafunanga ngaphezulu kwama-28% enkcitho yakho yonke (oko kukuthi, phambi kwentela) ingeniso yenyanga ngenyanga ukuya kwiindleko zakho zezindlu, kubandakanywa intlawulo yakho yokuboleka imali, irhafu yepropati kunye ne-inshurensi. Emva kokuba ungeze kwiintlawulo zenyanga nyanga kwenye ityala, ixabiso alifanele lidlule i-36% yengeniso yakho yonke.
Oku kubizwa ngokuthi "umyalelo wokuboleka imali," okanye ngamanye amaxesha "umgaqo we-28/36."
Ukuba umlinganiselo wakho wemali-ngeniso ungaphezulu kwezi mida kwindlu ocingela ukuyithenga, ngoko awukwazi ukufumana imali mboleko, okanye unokufuneka uhlawule umlinganiselo ophezulu.
Ukubala Ukulinganiswa Kwetyala-kuya kuNgeniso
Njengoko ndathi, oku kulula ukubala.
Into yokuqala okufuneka uyenze ukuyifumana ingeniso yakho yenyanga yenyanga - inzuzo yakho ngaphambi kwentela kunye nezinye iindleko zithathwe. Ukuba utshatile kwaye uya kufaka isicelo sembolekiso kunye, kufuneka udibanise ndawonye zombini imali yakho.
Emva koko thabatha inani kwaye uliphindise kuqala ngo-0.28, kwaye emva kwe-0.36.
Ngokomzekelo, ukuba wena kunye neqabane lakho ninemali engenayo yenyanga nganye yee-7,000 zamaRandi:
$ 7,000 x 0.28 = $ 1,960
$ 7,000 x 0.36 = $ 2,520
Oku kuthetha ukuba imali yakho yokuboleka imali, irhafu kunye neentlawulo ze-inshorensi ayinakudlula i-R9,9 ngenyanga, kwaye iintlawulo zakho zenyanga zemali zihlawulwe zingabi ngaphezu kwama-2,520 e-$, intlawulo yokubolekwa kwintlawulo ifakiwe.
Ngelishwa, kufuneka ugcine iintlawulo zakho zenyanga phantsi zombini wale mida. Ngoko isinyathelo esilandelayo kukubona ukuba zeziphi ezinye iinjongo zakho. Yongeza inkokhelo yakho yenyanga yentlawulo engekho-mboleko, njengekhadi lesikweletu yenyanga okanye iintlawulo zemoto.
Kulo mzekelo siya kuthatha iintlawulo zakho zenyanga zetyala ziza ku-$ 950. Ukuqulunqa umrhumo wokuhlawula imali:
I-$ 2,520-$ 950 = $ 1,570
Ekubeni kulo mzekelo unemali ephezulu engekho-mboleko, unqunyelwe ukuchitha imali eyi-1,570 yee-mortgage, irhafu kunye ne-inshurensi kwikhaya elitsha. Ukuba, ngakolunye uhlangothi, ube ne-$ 500 kuphela kwiintlawulo zeentlawulo zenyanga zenyanga ezingekho mboleko, ungasebenzisa i-$ 1,960 epheleleyo ekhaya lakho, ukususela kwi $ 1,960 + $ 500 = $ 2,460 (okanye ngaphantsi komyinge wakho wenyanga yentlawulo ye-$ 2,520).
Khumbula, Nguwo kuphela uMyalelo weNgqimba
Kubalulekile ukukhumbula ukuba ngenxa yokuba ibhanki iya kuboleka kuloo mali, akufanele ubolekise imali eninzi.
Le nto nje isikhokelo ongasisebenzisa xa uthengela ikhaya, ngoko unako ukugxila kumakhaya aphakathi kwexabiso lakho lentengo.
Enyanisweni, imeko yakho yezemali iya kuchaza ukuba luhlobo luni lwekhaya kunye neentlawulo zokubolekwa kwempahla eziza kubakho.