Ukuba uneminyaka engama-30 engama -mortgage rate rate kwaye wenze inkokhelo yenyanga nganye nyanga zonke kwiinyanga ezingama-30, ekupheleni kweminyaka engama-30, uya kuba ngumzi wakho ngaphandle kwaye ucace.
Iimpawu ezikhululekile kunye necacileyo ukuba uthengise ikhaya kwaye ufuna ukunika imali kumnini umthengi omtsha, awuyi kuba nababolekisi bangaphantsi abanokuthintela olo khetho.
Ukuxhaswa koMnini-mali xa i-Home ayifumanekanga kwaye icime
Ikhululekile kwaye icacile yindlela elula yokubonelela ngemali xa kuthengisa ukuba umthengi akanako okanye akafuni ukufumana mboleko. Ingxaki eninzi yokuthengiselana ngemali ngumnini ipropati sele isenayo imboleko enye. Phantse yonke imithwalo yempahla ekhoyo namhlanje iqulethe isahlulo sokuhlukanisa esifuna ukukhawuleza kwemali mboleko xa kuthengiswa ipropati. Eli gatya lisoloko libhekiswa njengelinye "isigwebo esithengiswayo".
Ngama-1970 kunye nakwiminyaka ye-1980, ezininzi iimali zokuhlala zangenanto yayingenayo i-verbiage eyathintela isifundo kwintengiselwano (kungekhona ukudideka kunye nokuthatha imali). Oku kuthetha ukuba abathengisi banganika umnini-mali kwaye bavumele umthengi ukuba athathe iintlawulo kwi-mboleko ekhoyo ngaphandle kokuba elinye iqela lingene enkingeni okanye liphule nayiphi na imithetho.
Namhlanje, ezi ntlobo zentengiselwano ayilula. Ababoleki namhlanje bafuna ukuhlawulwa.
Uninzi luya kusebenzisa ukhetho lokubiza imali ehlawulwayo kwaye iyahlawulwa ukuba iirhafu zanda. Kungenxa yokuba bafuna imali yabo ukuze bakwazi ukuboleka kwakhona kwizinga eliphezulu lomdla.
Vverage Vs. Ukuhlawula imali kwiKhaya
Enye indlela yokufumana ikhaya elikhululekile nelisicacileyo kukuhlawula imali yekhaya .
Esikhundleni sokuhlawula intlawulo yokubolekwa kwemali nganye ngenyanga, abanye abathengi basekhaya bathetha ukuthenga ngokuthe ngqo ngokunikezela ngentlawulo yemali. Kutyalo-mali olulungileyo ukuhlawula imali ngemali, kodwa likhusela umthengi ekuthengeni ikhaya kunye nokusebenzisa umgangatho. Yintoni ephakamileyo? Yithi unayo imali eyi-100,000 eyi-$ 000 kwaye ufuna ukuyithenga indlu eyi-$ 100,000. Ukuba uthe wasebenzisa umlinganiselo, unokubeka phantsi ama-25,000 wama-dollar uze uthenge amakhaya amane, usebenzisa i-80% yokuthengwa kwemali-mboleko. Okanye, unokuthenga enye ikhaya nge $ 100,000 kwaye ungenzi nto.
Iinzuzo zeFree and Clear
Ukufumana ikhaya ngokuchanekileyo kukuva abantu abaninzi. Kukhuseleko lwangokomzwelo ukuba ikhaya lingowomnini ikhulwini leepesenti. Asikho ukukhuselwa kwe-100%, nangona kunjalo. Ngokomzekelo, ayithethi ikhaya alikwazi ukuthathwa phantsi kwesizinda esiphezulu ngu rhu lumente. Akuthethi ukuba ikhaya alikwazi ukucinywa ngephango okanye umkhukula.
Ukukhulula kunye nokucacileyo kuthetha ukuba umnini ukhululekile ekwenzeni iintlawulo zempahla, kodwa usadinga ukuhlawula izinto ezifana ne -inshurensi yasekhaya , iirhafu zepropati, izibonelelo kunye nokugcinwa ngokubanzi.
Uyakuva kwakhona igama elithi "cacile" ngokubhekiselele kwisihloko. Kucinga ukuba akukho ifu kwisihloko kwaye ufumene umgaqo-nkqubo womshuwalense xa uthenge ikhaya, unokufumana umdla ocacileyo ekhaya.
Nangona kunjalo, ukuba uhlawula umboleko wendlu, loo nto ngokwayo ayinayo kwaye icacile.
Nika ingqalelo kwiintlawulo zerhafu yokuhlawula imali. Kuze kube kutshanje ikhefu kwimali yokunciphisa inzala yayiyizigidi, kodwa phantsi kweTrump Tax Overhaul, eyancitshisiwe ibe yinqwelo ye $ 750,000.
Ukuthenga ikhaya lokuphumla mahala kunye nokucaca
Enye intsapho yenza isigqibo sokuxhasa imali yeholide eHawaii. Xa iirhafu zepropati zonyuka ngenxa yokungabi nendawo yokuhlala, ukwanda kwenzelwe ukuhamba kwemali yenyanga. Isisombululo kwimeko kwakukuhlaziywa kwezindlu zokuqala, okwangoku-mboleko weminyaka eli-15, ihlawulwe ngaphaya kweminyaka eyi-10 kunye neminyaka emihlanu. Intsapho ihlaziywe kwimali-mboleko yeminyaka engama-30 kunye nentlawulo enye yenyanga kwaye isebenzise imali yokufumana imali kwiHawaii, ikhululekile kwaye icacile.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.