- Ukuvalwa ngomhla we-15 kuJuni kuya kufuna ukuba inzala ihlawulwe ngaphambi kwenyanga ukususela ngoJuni 16 ukuya kuJulayi 1.
- Intlawulo yokuqala iya kuba ngo-Agasti 1, kunye nomdla kwimbuyekezo emva kwenyanga kaJulayi.
Njengomzekelo, masibe nemali yokuthenga imali ye-272,000 ye-dollar ngenani lentengo ye-7.0%, kunye nemihla ingentla.
- $ 272,000 X .07 = $ 19,040 ngonyaka
- Iintsuku zekhalenda ezingama-19040/365 = $ 52.16 / ngosuku ngomdla
- I-52.16 i-X iintsuku ezili-15 ngoJuni = i-782.40 yezigidi ngenjongo yokuhlawula
- Intlawulo ye-1 ku-Agasti iya kubandakanya inzala kwimbuyiselo ka-Julayi
Makhe sijonge kwii-Mortgages & Lending
Kukho inkokhelo yokubolekwa kwemali kunye nababalawuli benzala kulo lonke iWebhu ngoku. Kukho ii-smartphone zokusebenza ezenzayo ngokunjalo. Makhe sijonge amanye amanqaku eenkcukacha ngeemali zokuthenga kunye nokubolekisa ngeenxibelelwano zophando olungakumbi.
I-Fixed Rate Loans isebenza njani
Intlawulo nganye nyanga ilingana nomyinge wenzalo ngeenqununu, kunye nepesenti encinci yomgaqo ngokwawo. Ekubeni enye yenqununu ihlawulwa inyanga nganye, leyo yenza intlawulo yenzalo kwiinqununu eziseleyo ziphantsi kakhulu. Ngenxa yoko, inkokhelo yakho yenyanga nganye iya kwinqununu nganye ngenyanga. Ngoko ke, ekuqaleni kokubolekwa kwemali, ininzi yentlawulo iya kwi-interest kodwa ininzi yayo iya kwinqununu ekupheleni komboleko.
Uneminyaka eyi-15 ngokumalunga neminyaka eyi-30 yemali
Nangona kukho iintlobo ezininzi zeemali zokuthenga imali ezifumanekayo kubathengi basekhaya, abaninzi baseMerika bacinga ngokuxhasa imali yabo yokuthenga ekhaya ngokubhekiselele kwi-archetypal yeminyaka engama-30. Xa kunikwe enye inketho, njengomntu oneminyaka eli-15 ubudala, umthengi uya kubheka njengento ekhethileyo. Kodwa yintoni enye ininzi yabathengi basekhaya baseMerika abayaziyo kukuba kwixesha elide, imali ebolekelwe kwiminyaka eyi-15 inokuthi ikwazi ukuhlangabezana neenjongo zabo zemali.
I-ARM, i-Adjustable Rate Mortgage
Imali-mboleko ye-rate-rate (ARMs) zibolekwe ekhaya kunye nezinga elihluka. Njengoko ixabiso lentengo liphakama kwaye liwela ngokubanzi, amaxabiso okulandelwa kwee-mortgage rate alandelayo. Ezi zinokuba yimali-mboleko encedisayo yokungena ekhaya, kodwa nayo iyingozi. Eli phepha lijongene neziseko ze-mortgage rate eguqukayo.
Iimveliso kunye nemiSebenzi yeeNgxowa-mali eziHlonjiweyo
Imali-mboleko ye-rate-rate (ARMs) zibolekwe ekhaya kunye nezinga elihluka. Njengoko ixabiso lentengo liphakama kwaye liwela ngokubanzi, amaxabiso okulandelwa kwee-mortgage rate alandelayo. Ezi zinokuba yimali-mboleko encedisayo yokungena ekhaya, kodwa nayo iyingozi. Eli phepha lijongene neziseko ze-mortgage rate eguqukayo.
I-Blanket Real Estate Mortgage
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.
Imboleko yokubuyisela imali inokubonelela ngemali xa uyayidinga, kodwa yenza umsebenzi wesikole ngaphambi kokufaka isicelo sokubuyisela imali. Ukuba ingeniso yakho kwiimali zomhlalaphantsi, ukugcina imali kunye neNtlalo-ntle inzuzo ayifuni iindleko zakho, okanye ungathanda inkululeko yemali ukuba ujonge iminyaka yakho yokuthatha umhlalaphantsi ngaphezulu, ungasebenzisa ubulungisa ekhaya lakho ukuba ufake isicelo sokubuyisela imali .
Imarike yokubolekwa kwemali ithatha inkulu enkulu kwintlekele eyaqala ngo-2006. Nangona kunjalo, malunga no-2015, ababolekisi kunye nee-arhente eziqinisekisa ukubolekwa kwemali ziphuma ngaphandle kwendlela yokuxhomekeka ngokugqithiseleyo kwaye imali yayiphuphuma kakuhle.