Imali YesiBhuloli isebenza njani?
Umzekelo, xa umthengi wekhaya uthengisa elinye ikhaya ngaphambi kokuthengisa ikhaya elikhoyo, ezimbini iindlela eziqhelekileyo zokufumana intlawulo ephantsi kwendlu yokufuduka kukuxhasa ngemali okanye i- loan loan equity home (okanye i- home equity line credit) ).
Ndiyacebisa abathengisi ukuba balinde ngaphambi kokuthenga ikhaya baze bathengise ikhaya lokuqala, kodwa abaninzi banomdla wokufumana ukunyuka kwabo ekhaya kuqala.
Ukuba uqinisekile ukuba ikhaya lakho elikhoyo liza kuthengisa, liya kunciphisa ukwesaba malunga noko kwenzekayo ukuba akunjalo. Unokufuna ukuthetha nomcebisi othembekileyo ngaphambi kokuba uqhube umboleko webhuloho. Inzuzo ebalulekileyo kumboleko webhuloho kukugwema isithembiso esiphezulu kwaye wenze ukunyuka kwakho kunikeze konke okukhangayo kumthengisi.
Ngokuqhelekileyo, imali mboleko yemali ingabizi kakhulu, kodwa iimali-mboleko zebhanti ziqulethe ezinye iinzuzo kwabanye ababolekayo. Ukongeza, ababolekisi abaninzi abayi kuboleka imali mboleko yemali xa ikhaya lisemarike. Ababolekisi be-Smart baya kuqhathanisa inzuzo phakathi kweemali ezibolekileyo ukuba baqinisekise ukuba yiyiphi imeko engcono kwaye bahlele ngaphambi kokuba benze isithembiso sokuthenga elinye ikhaya.
Inzuzo enkulu kwibhanti yebhanti yinyaniso ikuvumela ukuba uthenge ikhaya elitsha ngaphandle komgudu wokuthengisa .
Kwiimarike zathengisi, abathengisi abaninzi abayi kwamkela isipho esiphezulu. Ukuba unayo ikhaya lokuthengisa, oko kuthetha ukuba unako ukuthenga indlu nayiphi na enye indlela ngaphandle kokungabikho.
Ziziphi Iimali Zesikhokelo?
Imali-mboleko yeBhanki iyimali-mboleko yesikhashana eya kubhalisa ixabiso phakathi kwexabiso lokuthengisa elitsha kwikhaya elitsha kunye nomthengi omtsha wendlu , xa kwenzeka ukuba indlu yomthengi ayithenganga.
Imboleko yebhuloho igcinwe kwikhaya lomthengi. Imali evela kwimboleko yebhulophu isetyenziselwa njengentlawulo yokuhlawula ekhaya.
Imali YesiBhuloli isebenza njani?
Abanini-mali abaninzi abafaki izikhokelo ze- FICO ubuncinci okanye ama - ratios -income-income . Imali ikhokelwa yinto engakumbi "yokuqonda" indlela yokubhala phantsi . Icandelo lepuzzli efuna izikhokelo yenkxaso-mali ede elide efumaneka kwikhaya elitsha.
Abanye ababolekisi abenza iimali-mboleko ezivumelanisiweyo abafaki ukuhlawulwa kwemali yebhanti ukwenzela iinjongo ezifanelekileyo. Oku kuthetha ukuba umntu obolekayo ufanelekile ukuthenga ikhaya lokunyuka ngokufaka kunye kunye nentlawulo yemali ekhoyo , ukuba kukho na, kwikhaya lomthengi elikhoyo kwintlawulo entsha yokubolekwa kwemali yendlu yokufuduka. Izizathu ezininzi zokubolekisa umthengi kwiintlawulo ezimbini kukuba:
- Uninzi lwabathengi banomhlala-mali wokuqala okhoyo kwikhaya langoku.
- Umthengi uya kuphelisa ukuthengwa kwekhaya ekuthengeni ngaphambi kokuthengisa indawo yokuhlala.
- Ngexesha elifutshane, umthengi uya kuba nemizi emibini.
Ukuba indlu entsha yokubolekwa kwemali iyimali-mboleko ehambelanayo , ababolekisi banamathuba amaninzi ukuba bamkele isilinganiso esiphezulu semali-to-income ngenkqubo yokubolekwa kwemali yokubolekwa ngemali ngokweprogram yokubhala phantsi . Ukuba i-home mortgage entsha yimboleko ye- jumbo , ababolekisi abaninzi baya kunqanda umthengi wekhaya ukuya kumlinganiselo we-50% we-debt-to-income.
Umyinge weMali yeMali yeBhanki
Amaxabiso ayahluka phakathi kwababolekisi, kodwa oku kulandelelwaniso oluqhelekileyo lwemali yebhanti eCalifornia. Amanani omdla atshintsho, kodwa kulo mzekelo, masisebenzise i-8.5%. Le mboleko yebhanti ayiyi kuthwala iinyanga ezine; Nangona kunjalo, inzala iyakukhula kwaye ihlawulwe xa umboleko uhlawulwa ngokuthengisa kwipropati. Nazi iimali zeesampula, ezithunyelwe ngumthengisi wangempela wempahla:
- Imali yolawulo: i-$ 850
- Imali yovavanyo : ii-475 zamaRandi
- Imali yokuhlawula: $ 450
- Intlawulo yomgaqo-nkqubo : $ 450 +
- Imali engabhalisi : $ 40
- Imali yokurekhoda: $ 65
- Umnxeba / umrhumeli / umzobo wokudweba: i-$ 75
Ukongezelela, kukho imali yokuqala yemali mboleko kwimali-mboleko yebhuloho esekelwe kwisixa semboleko. Inqaku ngalinye lilingana ne-1% yemali yemboleko. Nazi iirhafu eziphakathi, ezifakwe ngumthengisi wemboleko *. Kwakhona, iintlawulo ziyahluka.
- $ 25,000 ukuya kuma-100,000,000 = .50 amanqaku
- $ 100,000 ukuya kwii-150,000 = .75
- $ 150,000 ukuya kwii-250,000 = = 1,0
Ekhaya Ukuthenga iiNzuzo zeMali-mboleko
- Umthengi unokukhawuleza ukubeka ikhaya lakhe kwimarike kwaye uthenge ngaphandle kwemimiselo.
- Imalimboleko yeBhanki ayinakufuna iintlawulo zenyanga ngenyanga.
- Ukuba umthengi wenza isithembiso esiphezulu sokuthenga kwaye umthengisa uthengisa iSaziso sokwenza , umthengi angasusa umcimbi wokuthengisa nokuqhubeka nokuthenga.
Ekhaya Ukuthenga izinto ezingabonakaliyo ngeeNgxowa-mali
- Ukubolekwa kwebhanti kwindleko ngaphezu kweemali mboleko zemali.
- Abathengi baya kuba bafaneleke ngababolekisi ukuba babe namakhaya amabini kunye nabaninzi abanakho ukuhlangabezana nale mfuno enzima.
- Ukwenza iintlawulo ezimbini zeentengo zemali, kunye nomdla okhulayo kwi-bridge loan, kunokubangela uxinzelelo.
* Qaphela: Siyabonga ku-Evelyne Jamet kwi-Vitek Mortgage ngokubonelela ngemali yesibonelelo sebhanti.
UKUQALA: I-Vitek Mortgage ngumthengisi okhethiweyo kumqeshi wam othengisa kwaye ujabulele ubudlelwane obunxulumene neLyon Real Estate.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.