Oku kunyuka ngo-2011 xa umyinge waseMelika ukhokhela i-$ 1,015. Uphando, olutsha luhlaziywa ngo-2015, luquka iintlawulo kunye ne-inshorensi njengenxalenye yentlawulo epheleleyo yenyanga. Inkokhelo yokubolekwa kwemali-mboleko yenqununu kunye nenzala kuphela yayingama-853 ngenyanga.
Yintoni Umyinge omelayo?
I-US Census Bureau ibika ingxelo yokuhlawula okuphakathi, okungafani nokokuphakathi.
Umyinge unokufumana ixabiso eliphezulu kakhulu okanye elisezantsi, kodwa umlambo unika ukubonakaliswa okubhetele kwendawo ephakathi kwintlobo ebanzi yabanini bezindlu.
Imilinganiselo kazwelonke: Ukujonga umyinge ukusuka komnye umthombo wedatha, i-2017 Inkcazelo kaZwelonke yabathengi baseKhaya kunye nabathengisi ibonisa intengo yokuthenga yamazwe angama-235,000 kunye nokuhlawulwa komyinge we-10 wemali yentengo. Ngaloo ngcaciso, unako ukubala ubungakanani bemali engama-211,500. Ukusebenzisa iirhafu zemali-mboleko zangoku, ungalinganisa le ntlawulo yenyanga elandelayo:
$ 1,022 ngenyanga ngenyanga yemali - mboleko yeminyaka engama-30 kwi-4.10 ekhulwini
I-1,505 yeenyanga ngenyanga ngemali-mboleko yeminyaka eyi-15 engama-3.43 ekhulwini
Abathengi basekhaya bokuqala: Isiqingatha selizwe siquka bonke abanikazi bezindlu, kubandakanywa nalabo abakhele ukulingana , basebenze indlela yabo phezulu kwinqanaba lokuhlawula kunye nokusekwa kwamanani ekhredithi aphezulu . Abo bantu banokuthi bathathe iitalente ezinkulu kwaye bafumane imvume.
Abathengi basekhaya bexesha lokuqala bafumana izinto ezincinci ezikhoyo kwaye bathenge izindlu ezincinci. Ngokombutho weSizwe we-Realtors, abaqeshanga bokuqala bathenga izindlu ezixabisekileyo kwi-182,500 zamaRandi kwaye zenza iipesenti ezi-5 zintlawulo. Ngenxa yokuba loo nkcukacha, iintlawulo eziqhelekileyo ziya kuba:
$ 838 ngenyanga ngenyanga yemali-mboleko yeminyaka engama-30 kwi-4.10 ekhulwini
I-$ 1,233 ngenyanga ngenyanga yemali-mboleko eyi-15 engama-3.43 ekhulwini
Nangona kunjalo, ubuncinane kwisinye sezihlanu abathengi basekhaya bahlawula imali engaphezulu kwama-20 ekhulwini. Ukuba inkokhelo enkulu incedisa ukuhlawula ngokukodwa imali yokuhlawula imali . Kuthatha i-20 yeepesenti phantsi kwentlawulo, iinombolo ziya kutshintsha:
I-708 yeenyanga ngenyanga ngemali-mboleko yeminyaka engama-30 engama-4.10 ekhulwini
$ 1,042 ngenyanga ngenyanga yemali-mboleko yeminyaka eyi-15 engama-3.43 ekhulwini
Ukuhlawulelwa kwemali yabathengi abanokuhlawula okukhulu kunokuba kuphuculwe ngama-130 eenyanga ngenyanga ngemali-mboleko yeminyaka engama-30 kunye ne-191 yeenyanga ngenyanga ngemali-mboleko yeminyaka eyi-15.
Iimarike zemizi: Amanani angentla ajonga kwixabiso lekhaya eliphakathi. Intlawulo yakho yenyanga yokuhlawula imali iya kuxhomekeka kwiimarike othenge kuyo. Amakhaya angaselunxwemeni namadolophu amaninzi aphezulu, kwaye phakathi kweMelika, izindlu zibiza ngexabiso. Ukuthelekisa intlawulo yakho kwisihlawulelo somyinge we-mortgage (average mortgage payment) esingenakho ukubonelela ngolwazi oluncedo.
Ngokomzekelo, i-Zillow iingxelo ukuba intengo yasekhaya yaseSan Diego, eCalifornia i-$ 586,000 eyi-$, engaphezulu kwe-national median. Ngaphandle kweepesenti ezingama-20 phantsi kwentlawulo, inkokhelo yenyanga nganye kwimali-mboleko yeminyaka engama-30 kwi-4.1 ekhulwini yayiza kuba yi-2,265 yezigidi.
Okwangoku, intengo yasekhaya e-Omaha, i-Nebraska i-$ 156,600.
Ngama-20 eepesenti phantsi kwentlawulo, abahlali base-Omaha bahlawula i-$ 605 kuphela kuloo mboleko yeminyaka engama-30.
Iimpahla zokuhlawula imali
Inkokhelo yenyanga yokuhlawula imali ixhomekeke kwizinto ezintathu:
Imali mboleko
Inzala yemali mboleko yakho
Ixesha , okanye inani leminyaka de ukubolekwa kwemali mboleko kusetyenziswa intlawulo ehleliweyo
Ngolwazi, kulula ukubala intlawulo nganye yenyanga efunekayo ukuhlawula inqununu kunye nomdla kwimboleko . Kodwa abanini-mali bangabakhokhela iindleko zenyanga zongezelelweyo ezingahambelani ngqo nomboleko. Ngokomzekelo, iindleko ezilandelayo zihlala zibandakanywa kwizibalo zokuhlawulwa kwemali ephantsi:
Iirhafu zepropati
Yinshurensi yabanini
I-inshurensi yangasese ye-mortgage (PMI)
Imiba Yemali
Ababoleki abaneenqaku eliphezulu zeetyala bayafumana amaxabiso amanqaku aphezulu, kwaye inzala yenzalo yinye yezona zinto ziphambili kwi-calculation monthly mortgage calculation.
Amanani amanqanaba afanelekileyo, afana namanqanaba acatshulwe ngasentla, ayafumaneka kubabolekayo ngeenqaku ze-FICO ngaphaya kwe-760. Abbolekayo ngekhredithi engalunganga, echazwe njengamanqaku angaphantsi kwe-620 okanye i-650, unokufumana ixesha elinzima ukufumana imboleko yemali ephantsi kunye umgangatho wenzala.
Kwabo abaneengxelo zemali ezibi, kunye nabantu abaye baphila ngaphandle kokusebenzisa iitaliti, kusenokwenzeka ukuboleka. Khangela ababolekisi abanikezela ngokubhala phantsi kwaye baya kuba nomnye umntu ophonononga imbali yakho yezemali "yokunye" ukuvavanya ukuboleka kwekhredithi.
Ngaphezulu kweNtlawulo yenyanga
Ukuba uzama ukujonga ukuba ungakanani ukuchitha ekhaya, khumbula ukuba kukho ngaphezulu kokuthengwa kwakho kwekhaya kunokuhlawulwa kwemboleko.
Imirhumo kunye ne-inshorensi zihlala zongezwa kwintlawulo yakho yenyanga ngokuzenzekelayo. Umboleki wakho uqokelela imali evela kuwe, ubeka imali kwi-escrow , kwaye ukhokhe iindleko ezifunekayo egameni lakho.
Umninimzi wabanini-makhaya (ii-HOA) kunye neendleko ezinokuthi zingabakho iindleko zenyanga. Ezi ndleko zihlanganisa iinkonzo ezahlukeneyo kwindawo okanye ulwakhiwo lwakho, kwaye ukweqa ezo ntlawulo kunokukhokelela kwizibambiso kwipropati yakho , kwaye kungenokwenzeka nokuba nokuchithwa .
Ezinye iindleko zobunini bekhaya zingamangalisa kakhulu. Akunakho ukuhlawula loo ndleko rhoqo ngenyanga, kodwa kunceda abanye abantu ukuba bahlalutye imali yesondlo nganye ngenyanga. Uzakufuna ukugcina ipropati yakho, ukubuyisela iifowuni ngezixhobo ngezikhathi ezithile, nangaphezulu.
Abanye abantu bacetyisela uhlahlo lwabiwo lwepesenti yexabiso lakho lempahla ngamnye ngonyaka ukwenzela ukugcinwa, kodwa kulula ukuhamba phezulu kunoko, ngakumbi kwiipropati ezindala. Ukuba ufuna ukuthenga ifenitshala okanye ukuphuculwa ngaphambi kokungena kuyo, uya kuhlangabezana neendleko ezongezelelweyo.