Iminyaka eyi-15 kunye nama-Mortgages aneminyaka engama-30
Imali-mboleko yeminyaka eyi-15 iyanciphisa iindleko zakho zokubolekisa ngokupheleleyo kwaye ikuvumela ukuba unqunyulwe ngokukhawuleza amatyala.
Kodwa imali-mboleko yeminyaka engama-30 ineentlawulo eziphantsi kwenyanga, ekuvumela ukuba ugcine ezinye iinjongo kwaye uhlawule iindleko ezingalindelekanga.
Ayikwazi ukugqiba? Siza kugubungela i-pros kunye neengxaki ngokubanzi ngezantsi. Kodwa ukuba ukuhlawulwa kweminyaka eli-15 kunesabisayo, unokufumana imali-mboleko yeminyaka engama-30 kwaye uhlawule ngaphezu kwenyanga . Qalisa ukubala iintlawulo zakho ngokungathi uneminyaka engama-15 ubudala, kwaye wenze loo ntlawulo ephakamileyo kude kube yimeko engxamisekileyo ekuthintela ukwenza njalo. Esi sicwangciso sikwenza ukuba sikhuphe ngokukhawuleza kwetyala, kwaye uza kuhlawula inzala encinane kunokuba ungayifumana iminyaka engama-30. Nangona kunjalo, ukuba ufuna ukuchitha ubuncinci obuncinci kwimali, yenza kwi-mortgage yeminyaka eli-15 ukuze ufumane umlinganiselo ophantsi .
Intlawulo yenyanga
Ekuboneni kokuqala, ukuhluka okubonakalayo phakathi kwemali-mboleko yeminyaka eli-15 kunye neminyaka engama-30 yintlawulo nganye yenyanga. Imali-mboleko yeminyaka engama-30 ibonisa intlawulo ephantsi-nangona oko kungabenze ngcono. Enye, ingabonakali kangako, ukwahlukana kubalulekile.
Iintlawulo ezingenakuhlawulekayo: Ngokuxhomekeka kwingeniso yakho kunye nobukhulu bentlawulo yakho yokuhlawula , umhlala-mboleko oneminyaka eyi-15 ungeke ufikeleleke.
- Ukuba unomdla malunga nokuhamba kwemali yakho yenyanga, kunokuthakazelisa ukululalisa iintlawulo zakho ngaphezu kweminyaka engama-30 esikhundleni se-15.
- Ababolekisi bayayivuma isicelo sakho semali-mboleko esekelwe, ngokuyinxalenye, ngokukwazi kwakho ukubuyiselwa kwemboleko. Ukuze wenze njalo, baqhathanisa ingeniso yakho yenyanga ngenyanga kwiintlawulo zakho zetyala. Nangona uziva ukhululekile kunye nentlawulo yeminyaka eyi-15, umlinganiselo wakho wetyala-kuya-ngeniso unokukungafaneleka ngenxa yale mboleko.
Ezinye iinjongo: Ukuba ulondoloza ezinye iinjongo, njengomhlalaphantsi, i-mortgage iminyaka engama-30 yenza kube lula ukuxhasa ezo njongo. Esikhundleni sokwenza inkokhelo enkulu yokubolekwa kwemali nganye ngenyanga, uya kuba nemali ekhululekile kwibhajethi yakho ukubeka kwiinjongo zexesha elide. Ewe, ukuba uhamba ngemali-mboleko yeminyaka engama-30 kwaye uchitha imali "ekufuneni" nyanga zonke, unokube ngcono xa uboleka ngeminyaka eli-15.
Ukunyaniseka: Imali-mboleko yeminyaka engama-30 inceda ugcine ikhetho zakho zivule kwaye zithintele iingxaki zempilo. Ukuba utshintshe imisebenzi (okanye ulahlekelwe ngumsebenzi), uya kuqonda ukuba inkokhelo yenyanga ephantsi.
Izibalo zokuhlawula: Ukubona umatshini emva kwentlawulo yakho yenyanga yokuhlawula imali, funda izinto ezisisiseko zokubala zokuhlawula kunye nokusebenzisa iincwadi zokubala zamahhala kwi-intanethi ukuzama iindlela ezahlukeneyo zokuhlawula.
Ukukhawuleza Ukuhlawula
Imali-mboleko yeminyaka eyi-15 inceda ukuhlawula ngokukhawuleza imali yokuboleka imali. Ngentlawulo nganye yenyanga, uza kwenza udoti olukhulu kunetyala lakho kunokuba ungayimboleka ngeminyaka engama-30. Ngaliphi na iphuzu elinikeziweyo, uya kubakhokhelwa imali engaphantsi, enika izibonelelo ezininzi:
- Ukwakha ubulungisa ngokukhawuleza , ongayisebenzisa ekuthengeni kwakho ekhaya okanye kwezinye iimfuno.
- Kulula ukuhlaziya kunye nomlinganiselo ophantsi we- loan-to-value ratio .
- Ukuba udinga ukuthengisa ikhaya lakho, unganamathuba okuba ungaphantsi kwamanzi .
Ngaphezulu, ukuba uhlala ekhaya lakho, unokuyeka ukwenza iintlawulo zemali emva kweminyaka eyi-15 endaweni yokuba uvumele ukuba bahlale behlala iminyaka engama-30.
Iindleko zenzalo
Xa uneminyaka engama-15 ubudala, uhlawula inzala encinane kunokuba ungayifumana iminyaka engama-30. Izinto ezibini zisebenza kuwe:
- Inzala: Imali-mboleko yeminyaka eyi-15 inomdla ongaphantsi kweemali-mboleko zeminyaka engama-30, zonke ezinye izinto zilingana. Ngoko uya kuhlawula inzala encinci ukuqala kunyaka wakho wokuqala.
- Iindleko zobomi bexesha elizeleyo: Xa uboleka ixesha elide, unomdla onokuwuhlawula . Ngaphezulu, kunye nentlawulo encinci yenyanga ngenyanga yemali-mboleko yeminyaka engama-30, ibhalansi yakho yemali-mboleko (kunye nemali oyihlawula inzala) ihlala iphakamileyo ixesha elide. Ukubona indlela le nkqubo isebenza ngayo, jonga itafile yeempazamo ezibonisa iintlawulo zenyanga, iintlawulo zenzalo zenyanga, kunye ne-balance balance loan.
Umzekelo: Umnyaka we-15 kunye no-Unyaka wama-30
Ukuze sibone ukuba zonke iinkalo ezingentla zisebenza kunye, masihambe ngomzekelo.
Cinga ukuba uboleke i-$ 200,000 ukuthenga ikhaya, kwaye unokukhetha phakathi kweminyaka eyi-15 kunye neminyaka engama-30 yokuthenga imali.
- Kucinga imboleko yeminyaka engama-30 echanekileyo kunye nereyithi ye-4.10 ekhulwini.
- Cinga imali-mboleko yeminyaka eyi-15 enomyinge we-3.43 ekhulwini.
Intlawulo yenyanga: Imali-mboleko yeminyaka engama-30 inomvuzo ophantsi ngenyanga.
- Ukuhlawula iminyaka engama-30: i-$ 966
- Ukuhlawula iminyaka eyi-15: i-$ 1,432
Ukunciphisa amatyala: Uya kuhlawula ngokukhawuleza ngokukhawuleza ngemali-mboleko yeminyaka eli-15.
- Ukuhlawulwa kwemali mboleko kwi-30 yeminyaka-mboleko emva kweminyaka eyisixhenxe: $ 172,513
- Ukuhlawulwa kwemali mboleko kwi-15 yeminyaka-mboleko emva kweminyaka eyisixhenxe: $ 119,674
Iindleko zenzalo : Uya kuhlawula inzala encinane ngomboleko weminyaka eli-15.
- Ngemali-mboleko yeminyaka engama-30, uya kuhlawula i-$ 147,903 ngeendleko zomdla kwi-mboleko yakho. Kwakhona, kuya kufuneka uhlawule imali engama-200,000 yemali mboleko.
- Ngemali-mboleko yeminyaka eli-15, uya kuhlawula kuphela i-56,122 yezigidi kwiindleko zenzalo.