Nangona kunjalo, sisixhobo sokuhlola esiphumelele sokuqala ukuba sibone ukuba ngaba ngaphezulu, uhlalutyo oluthe ngqo luncedo. Ngamanye amagama, ukuba i-GRM iphakame kakhulu okanye iphantsi kakhulu kakhulu xa kuthelekiswa nepropati ezithengiswayo zakutshanje, mhlawumbi ibonisa ingxaki kwipropati okanye kwixabiso eliphezulu.
Abatyali-zimali bempahla abahlala befuna iipropati banamaqela amaninzi kunye neeninzi kwi-radar yabo. Bafuna ukufumana indlela yokukhawuleza ukubeka amathuba ukuze bachithe ixesha labo ekuhlalutyo olujulile kumathuba angcono kuqala.
Ukusebenzisa i-Gross Rent Multiplier kuvumela ukuba bangene kuphando olunzulu kwiipropati ezibhekiselele kuzo ... mhlawumbi. Njengoko kubonisiwe kakade, akuyona inombolo echanileyo, ngoko akufanele uxhomekeke kuyo kakhulu ukuba awuhlolisise ezinye iipropati nge-GRM ezingcono.
- Ubunzima: Kulula
- Ixesha elifunekayo: 5 imizuzu
Nantsi indlela
- Ukufumana i-GRM kwiipropati ezithengiswa ngokutsha:
Ixabiso leMarike / iNgeniso ye-Gross yonyaka = I-Multiplier yeRhafu epheleleyo (GRM)
Ipropathi ithengiswa nge-$ 750,000 / i-110,000 yeNgeniso yonyaka = GRM ye-6.82
- Ukuxabisa ixabiso lepropati esekelwe kwi-GRM:
Masithi uthe wahlalutya iipropati ezithengiswayo zakutshanje kwaye wafumanisa ukuba, njengalowo ukhankanywe ngasentla, ama-GRM aphakathi kwama-6.75. Ngoku ufuna ukuqikelela inani lepropati ethathwa njengento yokuthenga. Uyazi ukuba ingeniso yayo yonke yokuqashisela i-$ 68,000 ngonyaka.
I-GRM X Imali Yonyaka = Ixabiso lentengiso
6.75 X $ 68,000 = $ 459,000
Ukuba idibene ukuthengiswa kwi-$ 695,000, ungase ufune ukuchitha ixesha elide ekujonge kuyo ukuthenga.
Izakhiwo zengeniso zentengiso zengqesho zivandlakanywa ngokusekelwe kwinani lamanani kunye neenkcazo zemboleko. Kungenxa yokuba bajonga ingeniso kunye nenzuzo yepropati njengenye yezinto, ukuba akunjalo, i-criteria yokubaluleka imfuno ebaluleke kakhulu.
Abafaneki babhekise okanye banakekele ngeengxelo zeentengo zemboleko.
Basenokunyamekela ngeempahla zabo ukuba abafanelekanga ngezinye izinto. Bangasebenzisa ezinye iimpahla ukuze baqinisekise ukuboleka kwemali ngaphezu kwepropathi ngokwayo.
Ukuboleka ngorhwebo kunemilinganiselo eyahlukileyo kakhulu, kodwa injongo yonke iyafana. Umboleki ufuna i shishini. Bafuna ukubolekisa ngemali, njengokuba ibhizinisi labo. Ama-Mortgages kwipropati yorhwebo enemigangatho eyahlukileyo yemigangatho kunye nenkqubo, kodwa ivela kumbono omkhulu wemifanekiso, ofana nayo nayiphi na indawo yokuhlala okanye enye imali.
Okungakumbi Ngama-Mortgage Agencies
Iintlobo zokubolekwa kwemali ezisetyenzisiwe ngabasomali bezindlu eziqhelekileyo zifana nokusetyenziswa kwanoma yimuphi umthengi we-real estate. Nangona kunjalo, kukho ezinye iindlela zokufumana imali zokuthenga imali. Ikhonkco iya kukuthatha kwiinkcazo zezi zikhetho.
Kwezinye iimeko, iingubo zokubophelwa kwezindlu zangasese zingaba yinto efanelekileyo yokuxhasa imali. Xa iimeko ezifanelekileyo zikhoyo zikhoyo zingakhokhwa nge-blanket mortgage loan. Xa umthengi wezindlu eziqingqiweyo uyayiqonda ukungahambi kakuhle kwengubo yokuthenga impahla yangaphandle, kukho izizathu ezininzi zokuba kutheni kusenokuba lukhetho olukhethekileyo.
Ukufumana umboleko ongcono kakhulu kubandakanya ukuthelekisa iimali-mboleko ezinjengeengqungquthela, i-jumbo, i-FHA / VA, kwakunye nokuxhamla kwemithwalo-mboleko yemali phakathi kwezinga elimisiweyo, izinga lokulungiswa kunye nezinye iindlela zokuthenga imali.
Inzala kuphela yemali-mboleko yemali-mboleko yemali-mboleko ivumela umnini-mali-mali ukuba athathe iintlawulo zeenqununu.
Oku kunokuba kukuphephe ukuhamba kwemali kwangaphambili, ukufakela ipropati, okanye ukubonelela ixesha lokulungiswa kweendleko eziphezulu ukwenzela ukwandisa ukuhamba kwemali kwiintlawulo eziqhelekileyo kunye nenzala. Abatyalomali banamathuba amaninzi amaninzi kwizicwangciso zenkxaso-mali. Ngokuqhelekileyo ukhetho luyakwenza okanye luphule utsalo-mali.