Inkcazelo: Inkokhelo yokubhalwa kwebhalo yilapho ibhalansi yonke yemali ehlawulwayo ihlawulwa kwaye iyahlawulwa. Kuyenzeka xa umboleko ungaqeshwanga. Imboleko ngokwayo iqulethe umhla wokugqibela, okubandakanya ukufumana umvuzo we-loan balance. Imali-mboleko-kuphela eyaziwayo, eyaziwayo njengamanqaku achanekileyo, ngokubanzi iqulethe ukuhlawula ibhaluni, kodwa ungayifumana le miqathango kwiimali-mboleko zemali- mboleko.
Nangona kunokwenzeka ukuba inkontileka yenkxaso-mali ibandakanya ukuhlawula ibhaluni kwimali-mboleko engahambelani neze-estate, ukusetyenziswa ngokuqhelekileyo kwintlawulo yebhaluni kuhambelana nemali yokubolekisa indlu . Indlela ezi ntlobo zeentlawulo ezenzeka ngayo kuxhomekeke kuhlobo lomboleko.
Xa ndiqala ukuthengisa i-real estate ngasekupheleni kweminyaka yee-1970, bekuqhelekile ukubona iilwimi zokuhlawula ibhaluni njengenxalenye yoxhasomali. Ukwenza ikhaya "ipensela" kumtyalo-mali, intsingiselo yokubonelela ukuhamba kwemali okanye iphuzu lokuphulaphula, kwakungekho siqhelo ukuthatha isihloko phantsi komboleko okhoyo kwaye unike umthengisi i-mortgage yesibini ngaphandle kweentlawulo. Oku kwaziwa njengegama elichanekileyo.
Ngaphandle nje kokuba i-mortgage yesibili yayincinci, mhlawumbi ngaphantsi kwe-10% yentengo yokuthenga, ukungenzi naliphi na intlawulo kwimboleko yindlela enye yokuvelisa imali. Umtyalo-mali unokufumana ukuhamba kwemali efanelekileyo ngale ndlela ngenxa yokuhlawula imali ekhoyo, kunye ne-inshurensi kunye nentlawulo, ngokubanzi bephantsi ngokwaneleyo ukuba umtyalo-mali unokubona uhlobo oluthile lokubuyiselwa kwintlawulo yokuqeshisa emva kokuhlawulwa kweendleko.
Lo mkhuba ucinga ukuba ipropati iya kuxabisa ngaphezu kwexesha leyesi-mortgage, eyayiyiminyaka emithathu. Ekupheleni kweminyaka yee-1970 kwakukho ixesha lokuncoma amaxabiso aphezulu phezu kwezinga eliphezulu lentlalo. Isizathu sokuba le nto isebenze kakuhle kukuba i-90% yexabiso lepropati lalixabisa, ngelixa i-10% kuphela yexabiso liye lahlanjululwa.
Ngoko ikhaya elingu-100 000, ngokwenza oko, lingaba lixabisa i-$ 133,100 kwi-10% yokuxabisa emva kweminyaka emithathu, okwakungaphezulu kokwaneleyo ukuhlawula i-$ 10,000 yenqaku elikhuthazayo kwinzala ye-10%, kwanomdla oqingqiweyo.
Umngcipheko ongokoqobo okwenzekayo ukuba akukho nto ixabiso okanye, ngakumbi, i-market? Yiloo ndlela abanye abanikazi bezindlu ngo-2007 bangene emanzini ashushu ngenxa yokujongana nabanikezeli bemali mboleko. Enye yezinto ezikhethiweyo zokuxhaswa ngemali ngoko-ke i- ARM yokukhethwa kwemali ekhokhwayo, equlethe inketho yenzalo kuphela, kunye nokuhlawula ibhaluni.
Umnini-mali ngexesha laloo minyaka angathengisa ikhaya elingenamali phantsi, athathe imali-mboleko yemali engama-80/20, kwaye zombini iimali-mboleko zinokuhlawulwa kwaye zihlawulwe ngebhaloon yokuhlawulwa ekupheleni kweminyaka emi-5 okanye-7. Ekunciphiseni iimarike, kwenze ukuba akunakwenzeka ukuthengisa ikhaya kunye nokuhlawula iimali mboleko ngaphandle kokusebenzisa ukuthengisa okufutshane . Enye inketho, ngokuqinisekileyo, ukuba abantu abaninzi babamba ukuhamba kude nekhaya.
Akukho nanye kwezo zikhetho kwakukho izinto ababolekayo abacinga ngazo xa bethenga ikhaya. Bakholelwa ukuba i-estate estate iya kuhlala isenyuka, loo milinganiselo ayisoze yawa. Emva koko baphela ukuhlawulwa ngaphezu kwekhaya kwaye babenakukwazi ukuhlangabezana nexanduva lokuhlawula ibhaluni.
Ngethuba nje ababolekayo baqonda ingozi kwaye bazimisele ukuxhaswa ibhaluni ukuhlawulwa ngaphandle kwe-pocket, ngaphandle kokubethemba ithemba kwixabiso, umboleko wokubhalwa kwebhaluni unokuba yimpendulo. Ngokomzekelo, ukuba ufumana ilifa elithatha ixesha lokusebenza ngokucwangcisa.
Imizekelo: Imali-mboleko yemali eyi-100 000 ingahlawulwa iminyaka engama-30, kodwa ihlawulwe kwaye ihlawulwe kwiminyaka emihlanu. Oku kuthetha ukuba umthengi uya kwenza iintlawulo ezithintekayo , ngokusekelwe kwisicwangciso sokuhlawulwa kweminyaka engama-30, kodwa ibhalansi yemboleko iya kuhlawulwa kwiminyaka emihlanu esikhundleni se-30, oku kubangela ukuhlawula ibhaluni .
Ngenxa yokuba inxalenye enkulu yenqununu kunye nentlawulo yenzalo kwiminyaka yokuqala yokubolekwa kwemali mboleko inomdla, inkokhelo yokubhalwa ibhaluni yeminyaka emihlanu iya kuba kufuphi ne-bhaleni yokuqala engakhokhelwa. Ukuba kuphela iintlawulo zenzalo-mali zihlawulwa, ibhalansi engabhawulwayo yonyango iya kuba ngumlinganiselo ngenxa yokuphela kwexesha lesimboleko .
Kwakhona Kubizwa ngokuba: ukuhlawula isamba semali
Iimpazamo eziqhelekileyo eziqhelekileyo: ukuhlawula i-baloon, ukuhlawula ibhola
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.