Kutheni abathengi basebenzisa i-Blanket Mortgages
Abathengi, ngokukodwa kwiimarike zentengiso zentengiso, sebenzisa iimali zokubolekwa ngeengubo ngezizathu ezininzi. Ababolekisi benza imali ngemali mboleko. Ukuba amanani asebenza kwaye athola ukhuseleko olwaneleyo, ababolekisi bezentengiso baya kuvela kwimali yokubolekwa kweengubo ezisebenzisayo kwintengiso yepropati. Mhlawumbi utyalo-mali olulandelayo luya kulungiswa ngakumbi usebenzisa i-mortgage mortgage.
Kufuneka udityanise iimpahla zokuhlaziya
Umtyalo-mali unokuba neendawo ezininzi ezixhaswa ngemali ngamaxesha ahlukeneyo kunye nemigangatho ehluke kakhulu yemithwalo yemali.
Ukuba amaxabiso aphantsi, kunokwenzeka ukuba iqela iipropati kunye kunye nokuhlaziywa nge-blanket mortgage. Ngokwenza njalo, iintlawulo zingaphantsi. Kungavumela umnini ukuba athathe imali ukuze isetyenziswe ngokutsha. Ingakumbi ukuba umnini-mali uphethe amakhaya amaninzi athengwa ngamaxesha ahlukeneyo kwiirhafu zemali ezahlukileyo, oku kungenokukhetha ukuba kukho ubulungisa. Kwiipropati ezigcinwe okwesikhashana, kunokubonakala ngathi:
- Ipropati Ixabisa i-$ 165,000, ukulingana kwemali eyi-125,000 kwi-6.5%, ukuhlawula i-$ 847 / mth
- Ipropati B ibaluleka i-$ 172,000, i-loan balance $ 122,000 kwi-6.75%, ukuhlawula i-$ 809
- Ipropati C ixabisa i-149,000 ye-149,000, ibhalansi yemali eyi-118,000 kwi-6.0%, ukuhlawula i-$ 746
- Ixabiso elipheleleyo li-468,000, ixabiso elipheleleyo li-$ 365,000, iintlawulo ezipheleleyo ze-$ 2,402
- Ubulungisa bungama-23%, ngoko ke imali-mboleko inokwenzeka.
- Imali entsha yokuboleka ingubo ye-365,000 ye-$ engama-5.0% isamba intlawulo ye-$ 1,959
- Ukunyuka kwama-443 kwi-cash flow ngenyanga
Ukwandisa Ukuxhaswa kweeNtshontsho ezintsha
Masithi umtyalo-mali ufuna ukuphuhlisa okanye ukuhlaziywa kwipropati yorhwebo. Inani lemali efunekayo ekuthengeni kwaye umsebenzi mkhulu kunokuba unokuboleka kuloo propati yedwa. Umthengi unokubonelela ngezinye iipropati kwi-blanket mortgage transaction transaction.
Ngaphantsi kweemeko ezifanelekileyo, umthengi unokufumana ngaphezulu kwemali efunekayo kule projekthi entsha. Njengoko unokubona kumzekelo wangaphambili, sisebenza kunye neepropati eziphantsi kwexesha okanye zineentlawulo ezinkulu. Umboleko omtsha uza kufuna ukulingana okubalulekileyo, ngakumbi xa uthabatha imali.
Imigaqo yeMboleko engcono
Ngokubandakanya ezinye iipropati kwi-mortgage mortgage, umbolekisi uvikeleke kangcono ngexabiso elongezelelweyo njengokhuseleko. Oku kusenokusetyenziswa rhoqo njengesisityebi sokuxoxisana neerhafu zentsingiselo engcono okanye ezinye iimali zemboleko. Ukuba inkokhelo ephantsi ivumela ukuhamba kwemali ebonakalayo evela kwii-rents, le nto ingaba yindlela yokuhamba nayo. Masithi iindleko zandile, mhlawumbi irhafu. Ukusebenzisa le ndlela umtyalo-mali unokubuyela kwimpumelelo yangaphambili yemali kunye nengeniso yokuboleka kwengubo.
Abathengisi banokukhusela kwiZakhiwo ezingaphezulu kwiPhepha lokuGcina
Ukuba uthengisa ipropati kwaye wabuza ukuba athathe ezinye zezimali, umthengisi angakhusela indawo yabo engcono xa befumana umthengi ukuba asebenzise ezinye iimpahla ezinawo njengokhuseleko olongezelelweyo lomboleko. Mhlawumbi omnye usapho oqashisayo wezindlu oqashisayo kunye neepotifoliyo ebalulekileyo uzama ukunyuka kwi-investment investment.
Iprojekthi ifunyenwe, kodwa umdayisi kufuneka abuyisele enye yemali. Basenokukwenza kuphela xa umthengi esebenzisa ezinye iipropati ukunika umthengisi ukwandisa ukhuseleko.
Njengoko sikwazi ukubona, kukho izizathu zoshishino ezichanekileyo zokusebenzisa ingubo yokuthenga impahla. Ukuba ezinye okanye zonke ezi ndlela zikhoyo, abathengi, abathengisi, nabathengi kufuneka baqwalasele oku okunye.