- Ubunzima: Kulula
- Ixesha elifunekayo: imizuzu emi-5
- Okukufunayo: I- Calculator
Nantsi indlela
Ukusebenzisa intengiso yokuthengisa okanye ixabiso lexabiso lepropati, qinisekisa ukuhlawulwa kwentlawulo efumanekayo okanye efunwayo kunye nexabiso elifunayo lokuthenga imali eliza kufuneka. Ukuthengiswa kwasekhaya kweedola ezingama-300 000 kunye nabathengi banama-40,000 ama-$ atholakalayo.
I-300,000-$ 40,000 = $ 260,000 ifuna imali yokuthenga imali.
Ulwahlula umthamo wemali ngemali yokuthengisa kwaye uguqula umphumo kwipesenteji.
U-260,000 / $ 300,000 = 0.87 okanye i-87% eyi-LTV.
Iingcebiso
Nangona ungathengisa ipropati engaphantsi kwexabiso elithengisiweyo, kwaye uyicinga ngolu hlobo, umboleki uya kusebenzisa intengo ephantsi yokuthenga kule kubalo.
Iintlobo zempahla kunye neMisebenzi
Umlinganiselo wokubolekwa kwemali-mboleko kusetyenziswa kwiinkqubo ezininzi ezifanelekileyo, nangona kunjalo nje kuphela kwezinto ezininzi ezahlukileyo. Kakade ke, iimali-mboleko zorhwebo zinemilinganiselo eyahlukileyo kuneemali-mboleko zokuhlala. Kukho ukhetho lwemali, kwaye iimpawu ziya kuba yinxalenye yesigqibo sakho, kungekhona nje inzala kunye nenkokhelo.
Iimali zokuThengiswa kwemali
Le yintlawulo yokubambisa ngokulinganayo kunye nentlawulo elinganayo nganye nyanga de ihlawulwe ngokupheleleyo. Intlawulo yeP & I elula yenziwe ngamacandelo amabini, inqununu, kunye nomdla. Njengoko umboleko uhlawulelwa phantsi, inxalenye yenzalo iyahla inyanga nganye kwaye isixa-mali esiyintloko siyakhuphuka, songeza ubulungisa kwipropati.
Kukho unyaka odlulileyo oneminyaka engama-30 u-mortgage rate kwaye enye isetyenziswa rhoqo ngeminyaka eyi-15 yemali-mboleko. Ngaloo nto, i-mortgage ihlawula isiqingatha sexesha kunye neentlawulo eziphezulu kunye nomdla omncinci ohlawulwa ngaphezu kobomi bemboleko.
I-ARM, i-Adjustable Rate Mortgage
Imali-mboleko ye-mortgage rate (ARM) ngumboleko kunye nenqanaba lomdla elitshintshayo. Ii-ARM zingaqala ngeentlawulo eziphantsi zenyanga kunee-mortgage rate rate, kodwa khumbula oku kulandelayo:
- Iintlawulo zakho zenyanga ziyakutshintsha.
- Bangakwazi ukunyuka - ngamanye amaxesha ngamaninzi-nangona amazinga enzala ayenyukeli.
- Iintlawulo zakho zingahle zinciphise kakhulu, okanye nakwezinye-nangona ukuba iirhafu zihla.
- Unokuphelisa imali eninzi ngaphezu kokuboleka- nokuba ngaba wenze zonke iintlawulo zakho ngexesha.
- Ukuba ufuna ukuhlawula i-ARM yakho yokuqala ukukhusela iintlawulo eziphezulu, unakho ukuhlawula isohlwayo.
Umzekelo ube ngu-ARM weminyaka engama-7 kunye nomdla wokubuyisela iminyaka eyisixhenxe phantsi komgwaqo. Kuxhomekeke kwiirhafu ngelo xesha, ukuba ngubani na umntu oqiqayo apho uya kuhlawulwa. Esinye isizathu sokufumana i-ARM ngaphandle kokubheja kumaxabiso aphantsi kuya kufumana inkokhelo ephantsi kwiminyaka yokuqala yobunini.
Imboleko yeMboleko
Abatyalomali basebenzisa iimali zokugcina iimpahla xa bephethe iimpahla ezininzi kunye nokulingana.
Bangakwazi ukuvula umgca wekhredithi kwibhankini okanye bafumane le mboleko ngokuvumela umboleki ukuba asebenzise ezinye iipropati njengebhondi. Iipropathi zibuyiselwe umboleko kunye nemali ingasetyenziselwa olunye utyalo-mali.
Ukubuyiswa kwemali
Ukutshintshwa kwemali yokuthenga imali iya kuba yintando ngaphandle kokuguga. Ingakumbi xa besondela kumhlalaphantsi, abanini bezindlu abanokulingana okubalulekileyo banokufumana imali yokuboleka imali ehlawulwayo yenyanga ehlawulela intlawulo nganye ngenyanga. Imali yenyanga yokuhlawula isekelwe kwixabiso lekhaya, ubulungisa kunye nobudala bomboleki. Kulapho unamanye amaqela athandwayo kakhulu, kwaye nganye yazo isebenzisa ngenye indlela i-LTV, iNgxowa yokuThengiswa kwexabiso.