Ubulungisa bekhaya: Yintoni kunye nendlela yokuSebenzisa ngayo
Beka enye indlela, ukulingana kwekhaya ngumlinganiselo wepropati yakho "ngokwenene." Ngokuqinisekileyo ungumnini wakho, kodwa ukuba uboleka imali ukuthenga loo propati, umboleki wakho unomdla kwipropati uze uhlawule umboleko. .
Ubulungisa bekhaya ngokuqhelekileyo ngumnini-mali oxabisekileyo. Le mali ingasetyenziswe kamva ebomini, ngoko kubalulekile ukuqonda indlela isebenza ngayo nendlela yokuyisebenzisa ngokuhlakanipha.
Umzekelo wezeNgingqi
Indlela elula yokuqonda ukulingana kukuqala ngexabiso lekhaya kwaye isuse imali ehlawulwa kuyo nayiphina imali. Ezi mboleko zingathengwa ngemali ekuthengwa kuyo indlu okanye i- mortgages yesibili ithathwe emva koko.
Cinga ukuba uthenge indlu ngama-$ 200,000, wenza i- 20 yeepesenti phantsi kwentlawulo , kwaye uboleke imali yokubambisa i-$ 160,000 ekhoyo. Kulo mzekelo, inzala yakho ye-equity interest is 20% yexabiso lekhaya: Ikhaya lixabisa i-$ 200,000, kwaye unikele nge $ 40,000-okanye i-20 ekhulwini yexabiso lokuthenga. Unayo ikhaya, kodwa uqobo "uqobo" kuphela lwamaxabiso angama- $ 40,000.
Umboleki wakho akanalo nayiphi na isahlulo sekhaya - ngezobuchwepheshe, unayo yonke into - kodwa indlu isetyenziselwa ukuxhamla umboleko wakho .
Umboleki wakho ugcina umdla wabo ngokufumana i-link kwipropati .
Ngoku, thatha ixabiso lekhaya lakho eliphindwe kabini (akunakwenzeka, kodwa liya kugcina amanani alula). Ukuba kuxabisa i-$ 400,000 kwaye usenayo imali eyi-160,000, unama-60 ekhulwini. Unokubala ukuba ngokuhlula ibhalansi yemboleko ngexabiso lemarike kwaye ususe umphumo kwisinye (iGoogle okanye nayiphi na ispredishithi iya kubala oku ukuba usebenzisa i-1- (160000/400000), kwaye kufuneka uguqule i-decimal ukuya ipesenti ).
Ibhalansi yakho mboleko ayikatshintshi, kodwa ukulingana kwendlu yakho kwanda .
Ukwakha Ubulungisa
Njengoko ubona, ukulingana okunye kukulungileyo. Ngoko ukwandisa njani ukulingana kwakho?
Ukuhlawulwa kwemali mboleko: Njengoko uhlawula ibhalansi yakho yemalimboleko, ukulingana kwakho kwandisa. Ininzi yemali mboleko yemali yimali-mboleko emiselweyo epheleleyo kunye neentlawulo zenyanga zenyanga eziya kumdla kunye nenqununu yakho. Ngethuba lexesha, inani eliya kwi-reytha eyinhloko yanda - ngoko ukwakha ubulungisa kwinqanaba elikhulayo ngonyaka.
Ukuba kwenzeka ukuba ube nemboleko-mboleko kuphela okanye olunye uhlobo lwemboleko engenzi-mali, awuyikwakha ukulingana ngendlela efanayo. Kufuneka wenze iintlawulo ezongezelelweyo ukunciphisa ityala kunye nokwakha ubulungisa.
Ukuxabisa ngexabiso: Unokwakha ubulungisa ngaphandle kokuzama. Xa ikhaya lakho lifumana ixabiso (ngenxa yeeprojekthi zophuculo okanye iimarike ezithengileyo zentengiso), ukulingana kwakho kwandisa.
Ukufumana iinkcukacha ezingakumbi, funda malunga nokwakha ubulungisa (kunye nokukhawuleza inkqubo) .
Ukusebenzisa i-Equity Ekhaya
Ubulungisa buyimpahla, ngoko ke inxalenye yentlawulo yakho yenani elipheleleyo. Unokuthatha imali engenayo okanye imali yokurhoxa kwi-equity yakho ngelinye ilanga ukuba ufuna, okanye ungadlulisa ubutyebi kwiindlalifa zakho. Kukho iindlela ezininzi zokubeka loo asethi ukuze isebenze.
Thengisa ikhaya elilandelayo: Mhlawumbi awuyi kuhlala kwindlu enye.
Ukuba uhamba, ungayithengisa ikhaya lakho langoku kwaye ubeke loo mali ekuthengeni kwikhaya lakho elilandelayo. Ukuba usalutyala imali kuyo nayiphina imali, ungayi kusebenzisa yonke imali kumthengi wakho, kodwa uya kusebenzisa ukulingana kwakho.
Ukuboleka malunga nokulingana: Unokufumana imali kwaye uyisebenzise malunga nantoni na usebenzisa i-loan equity loan (eyaziwa ngokuba yimali yesibini). Abanini bezindlu bavame ukusebenzisa le mali yokuphucula ikhaya, ukuxhasa imali ephakamileyo, okanye ezinye iinjongo. Nangona kunjalo, kubulumko ukubeka loo mali kwixesha elizayo lokutyalomali kwixesha elizayo-ukuhlawula iindleko zakho zangoku kuyingozi.
Umhlala-phantsi weNgxowa-mali: Ungaphinda uchithe ubulungisa bakho kwiminyaka yakho yegolide usebenzisa i-mortgage mortgage . Ezi mboleko zibonelela ngengeniso kumhlala-phantsi kwaye azidingi iintlawulo zenyanga-mboleko ihlawulwa xa umninikhaya ephuma endlwini.
Nangona kunjalo, le mboleko iyinkimbinkimbi kwaye inokudala iingxaki kubaphathi bezindlu kunye neendlalifa .
Imali yeMali Yezindlu
Imali-mboleko yokulingana yasekhaya iyakulingela kuba unako ukufikelela kwisibini esikhulu semali-kaninzi kwizinga lentengo ephantsi. Kwakhona kulula ukuba afumaneke ngenxa yokuba iimali-mboleko zigcinwa yi-real estate. Ngaphambi kokuba uthabathe imali ngaphandle kwekhaya lakho, jonga ngokukhawuleza ukuba le mboleko isebenza njani kwaye iyayiqonda ingozi.
Ukugqithisa: Umngcipheko omkhulu wokusebenzisa ukulingana kwekhaya kukuba ikhaya lakho likhonza njengetyala lomboleko. Ukuba awukwazi ukuhlawula imali mboleko yakho, umnini-mboleko wakho unokuthabatha indlu kwindawo yokuchithwa kwempahla aze ayithengise ukuze abuyele imali. Oko kuthetha ukuba wena kunye nosapho lwakho kuya kufuneka ukuba ufumane ezinye iindawo zokuhlala - mhlawumbi ngexesha elibi - kunye nekhaya lakho mhlawumbi ngeke lithengise nge-dollar ephezulu.
Ukuboleka: Ukufumana imali mboleko yemali, uya kusebenza nabathengi, njengaye nawuphi na umboleko. Umboleki uya kuhlalutya ixabiso lemarike yasekhaya lakho, kwaye baya kunika imali enokuyiboleka. Kwiimeko ezininzi, ababolekisi banciphisa imali-mboleko kuma-80 ekhulwini okanye ngaphantsi kwexabiso lekhaya lakho (le nto yaziwa njengemboleko yokuxabisa umlinganiselo ). Oko kuthetha ukuba imali yakho yokuqala yokuthenga (mortgage) kunye neyiphi na imali eyongezelelweyo oyithathayo kufuneka ibe ngaphantsi kwe-80 ekhulwini yexabiso elithengisiweyo. Ababoleki nabo bavavanya ingeniso yakho kunye nembali yakho yemali xa uvuma iimali-mboleko.
Iintlobo ezimbini zeNgxowa-mali yeMali yasekhaya
Imboleko yemali yokulinganisa ekhaya iyimali-mboleko yemali-ufumana yonke imali kanye, kwaye uyabuyisela ngenkokhelo yenyanga nganye ezayo. Umlinganiselo wakho wenzala uhlala uhleli .
Umgca we-credit equity line (i-HELOC) ikuvumela ukutsala imali njengoko kufuneka. Ngokufana nekhadi lesikweletu, unokuboleka kuphela oko kukufunayo xa uyidinga "ngexesha lokudweba" (ixesha elide umgca wakho wekhredithi uhlala uvulekile). Uya kufuneka wenze iintlawulo ezithobekileyo kumatyala ngeli xesha. Emva kweminyaka emininzi (iminyaka eyi-10, umzekelo), ixesha lakho lokudweba liphelile, kwaye uya kuhlawula ixesha lokuhlawula apho uhlawula ngokugqithiseleyo lonke lelo matyala. I-HELIK zidla ngokufaka umlinganiselo wenzala .