Yintoni yoHlelo lweMimiselo yeeMori?
Iingqungquthela zeemali zikunceda ukuba uqonde indlela umbolekisi osebenza ngayo, kwaye unokukunceda ukuba uqikelele ibhalansi yakho eseleyo okanye iindleko zenzalo naliphi na ixesha elizayo.
Le ngcaciso inokunceda ukuba uhlole ukuba kunengqondo ukuboleka, ukuba ufanele ukuhlawula amatyala kwangaphambili, kwaye yiyiphi imali ebolekayo ebiza ngaphezu kwexesha.
Kutheni umboniso weTable Table?
Skrolela phantsi ngomzekelo wendlela uhlalutyo lwenkqubo yokubambisa ngayo , okanye ukufakela amanani amanani kwi-calculator yamashishini e-intanethi kwaye ufumane itafile ekhethiweyo. Uza kubona izinto ezingezantsi.
Intlawulo yenyanga: Itafile ibonisa yonke intlawulo oyenzayo, oko kuthetha ukuba iintlawulo zakho zenyanga zifunekayo zifakiwe. Ngaphandle kwintlawulo, inxalenye iya kufikelela kwiindleko zenzalo , kwaye intsalela iya kusetyenziswa ukuhlawula imali yokuboleka imali.
Iindleko zenzalo : inzala ihlawulwa ngokubanzi ngemboleko yakho ngenyanga. Ibhalansi yakho yokuhlala ebolekileyo iyaniswa yintlawulo yakho yenyanga yenzalo ukubala intlawulo yenzalo. Ngokukodwa ngeemali-mboleko zexesha elide, unokubona ukuba umdla uthatha ininzi yentlawulo kwiminyaka yokuqala.
Inkokhelo eyintloko: emva kokuba uthathe iirhafu zomdla, intsalela yentlawulo yakho iya kuhlawula ityala lakho.
Kufuneka ubone uhlawulelo lwemali-mboleko yakho yehla kwithuba xa uhamba kwishedyuli yohlengahlengiso.
Inzala ebalulekileyo: ezinye iitafile zokufakelwa kwamanani ziquka ukusetyenziswa kwamanqaku afaka inzala kunye nentlawulo ngexesha. Umzekelo, nayiphi na ishedyuli yohlengahlengiso ibonisa indlela ochitha ngayo inzala ngenkokhelo nganye - kodwa kuthekani ukuba ufuna ukwazi ukuba inzala epheleleyo yenzalo ingaphezulu kweyiphi yokuqala (okanye yokugqibela) iminyaka emithathu yemboleko?
Ukuba itheyibhile yakho ibandakanya ikholomu ethile into efana "nomdla wokunyusa," kulula ukuyifumana. Ukuba akunjalo, unokuyikopisha uphinde unamathisele itafile kwispredishithi kwaye ungeze iikholomu ezongezelelweyo kule nkcazelo.
Iintlawulo ezongezelelweyo? Uninzi lweetrafti zetekisi aluyi kubhalisa iintlawulo ezongezelelweyo. Kodwa oko akuthethi ukuba awukwazi ukuhlawula ngaphezulu - kwaye unako ukubala inzuzo yezo ntlawulo. Ukwenza njalo, unokufuna ukwakha itafile yakho yokwenza imali , kodwa ayikho nzima njengoko ivakalayo.
Imali (ngaphandle kwemfuno)? Iishedyuli zeemali azibonakali imali eyongezelelweyo enokuyihlawula ngemboleko yakho. Umzekelo, ukuba uhlawula iimali zokuqala okanye ezinye iindleko zokuvala ukufumana imali yokuthenga imali, kufuneka uhlolisise ezo ntlawulo ngokwahlukileyo. Enye indlela yokwenza oko kukujonga i- APR yemali-mboleko ( ngezinye izihlandlo ingakhohlisa ). Iindleko zezemali ezihlawulwa kwi-balance balance yakho, kunokwenzeka ukwakha itafile zakho kwaye zibandakanye ezo ntlawulo - jonga indlela yokubala Iintlawulo zeKhadi leMatyala kunye neendleko .
Ukwenza isigqibo
Ngolwazi olungentla, kulula ukuvavanya iindlela ezahlukeneyo zemboleko (nokuba zivela kubabolekisi abahlukeneyo, unquma phakathi kwemali-mboleko yeminyaka eli-15 okanye engama-30, okanye unquma ukuba ingahlawulwanga umboleko okhoyo ) okanye isigqibo sokuba ingahlawulwanga okanye ayibolekanga nantoni na.
Abaninzi abakboleki abaze babone indlela abahlawula ngayo inzala - bajolise kuphela kwiintlawulo ezihlawulwa rhoqo ngenyanga - ezingenakuthatha umfanekiso omkhulu.
Iintlobo Zemivuzo
Itheyibhile yokwenza imali ihamba phambili kwimali mboleko ngeempawu ezilandelayo:
- Ziyimali-mboleko (okanye zonke-at-once)
- Ziye zazinyusa inzala
- Zihlawulelwa phantsi kwexesha (inkqubo yokuhlawula i-mboleko ibizwa ngokuthi "ukulungiswa kwemali")
- Inkokhelo yenyanga yonyanzelo (uyenza intlawulo efanayo ngenyanga)
Oku kubandakanya i-mortgage rate engagqithisileyo , imali ebolekisiweyo yemali mboleko, iimali-mboleko zemali , iimali mboleko zemali , kunye nemali-mboleko efanayo.
Ezinye iintlobo zemali-mboleko - ngokukodwa ukuboleka kwemirhumo yemirhumo kunye nemigca yemboleko- kunzima ukusebenzisana nayo. Ngokomzekelo, amakhadi enkoleko aqoqayo: uboleka ngaphaya kwexesha (xa uthetha ukuthenga), kwaye wenza iintlawulo ezingekho phantsi (unokuhlawula ubuncinci, ibhalansi yonke okanye nayiphi na phakathi).
Imilinganiselo yee-mortgages iyingxaki . Umyinge wenzalo unokutshintsha kwinqanaba elingaziwa kwixesha elizayo, ngoko kunzima ukwenza ukubalwa kwemali (ngaphandle kokuba unokuqikelela ikusasa).
Itheyibhile yoLungiso lweMamori
Cinga ukuba uboleke i-$ 100,000 kwi-6% kwiminyaka engama-30 ukuba ubuyelwe ngenyanga. Ihedyuli yakho yokubambisa iyakubonwa njani? Ngezantsi uzakubona imigca yokuqala ye-12 (ukubonisa unyaka wakho wokuqala weentlawulo) uze uphume ukuya ekupheleni kwemboleko.
| Inyanga | Ibhalansi yokuQala | Intlawulo ehleliweyo | Nqununu | Inzala | UkuGqiba kweMali | Inzala epheleleyo |
| 1 | 100,000.00 | 599.55 | 99.55 | 500.00 | 99,900.45 | 500.00 |
| 2 | 99,900.45 | 599.55 | 100.05 | 499.50 | 99,800.40 | 999.50 |
| 3 | 99,800.40 | 599.55 | 100.55 | 499.00 | 99,699.85 | 1,498.50 |
| 4 | 99,699.85 | 599.55 | 101.05 | 498.50 | 99,598.80 | 1,997.00 |
| 5 | 99,598.80 | 599.55 | 101.56 | 497.99 | 99,497.24 | 2,495.00 |
| 6 | 99,497.24 | 599.55 | 102.06 | 497.49 | 99,395.18 | 2,992.48 |
| 7 | 99,395.18 | 599.55 | 102.57 | 496.98 | 99,292.61 | 3,489.46 |
| 8 | 99,292.61 | 599.55 | 103.09 | 496.46 | 99,189.52 | 3,985.92 |
| 9 | 99,189.52 | 599.55 | 103.60 | 495.95 | 99,085.92 | 4,481.87 |
| 10 | 99,085.92 | 599.55 | 104.12 | 495.43 | 98,981.79 | 4,977.30 |
| 11 | 98,981.79 | 599.55 | 104.64 | 494.91 | 98,877.15 | 5,472.21 |
| 12 | 98,877.15 | 599.55 | 105.16 | 494.39 | 98,771.99 | 5,966.59 |
| ... | ... | ... | ... | ... | ... | ... |
| 354 | 4,114.16 | 599.55 | 578.98 | 20.57 | 3,535.18 | 115,776.07 |
| 355 | 3,535.18 | 599.55 | 581.87 | 17.68 | 2,953.31 | 115,793.74 |
| 356 | 2,953.31 | 599.55 | 584.78 | 14.77 | 2,368.52 | 115,808.51 |
| 357 | 2,368.52 | 599.55 | 587.71 | 11.84 | 1,780.81 | 115,820.35 |
| 358 | 1,780.81 | 599.55 | 590.65 | 8.90 | 1,190.17 | 115,829.26 |
| 359 | 1,190.17 | 599.55 | 593.60 | 5.95 | 596.57 | 115,835.21 |
| 360 | 596.57 | 599.55 | 593.58 | 2.98 | - | 115,838.19 |