01 - Inzala kuphela Imali-mboleko - Ikhethelo ekhethekileyo ngexesha leeNkcazo zokuHlola eziPhakamileyo
- Umboleki uyanelisa inqununu ngenkokhelo yokubhalo
- Imboleko ibuyiselwa kwakhona kwaye umboleki uya kuba neyona ntlawulo entsha, ephezulu
- Ipropathi ithengiswa.
Inzuzo kukuba umhlala-mboleko kuphela wokubolekwa kwemali-mboleko ivumela umntu obolekayo ukuba ahlawule iintlawulo zeenqununu kule minyaka emi-5 ukuya kwe-10 egcina iintlawulo zenyanga zantsi, kwaye enokuzikhupha imali ngezinye iimali-mali, okanye ukuhlangabezana neendleko zenyanga. Kwakhona, ngeli xesha, inzala kuphela yintlawulo yerhafu echithwayo (qhagamshelana neengcali zakho zerhafu, nceda).
Umdla kuphela Umhlala-mboleko / Ixesha eliPhakamileyo lokuBaluleka
Imali-mboleko kuphela yinto ethandwa ngabantu abatyali-mali kwiindawo apho ukunyuka kwexabiso lepropati, okanye ixesha elixabisekileyo, lenze ukuba kufumaneke utyalo-mali oluthile.
Nasi umzekelo, ukhangele ikhaya. Imilinganiselo yexabiso lempahla kunye namaxabiso aphakama kwindawo okhangele kuyo. Ngexesha elifanayo, ezinye iimali-mali ziyenzi kakuhle. Unokucinga ngentshisekelo yempesheni kuphela njengeqhinga elingcono. Kodwa khumbulani, ababolekisi bajonga inzala kuphela kwi-mortgage kwaye bayakuxabisa.
Umzekelo: umboleko weminyaka engama-30 kuphela kwimali eyi-100,000 kwi-interest rate ye-7.0%:
• Inzala kuphela intlawulo: i-583 / ngenyanga, i-$ 7,000 / ngonyaka
Ukuhlawulwa ngokuqhelekileyo: i-665.30 / ngenyanga, i-$ 7,984 / ngonyaka
• Ukugcina imali kwiminyaka elishumi yokuqala: i-$ 82 / inyanga, i-$ 984 / ngonyaka
02 - Iimpawu zeeNgxowa-mali-mali kunye nezizathu zoNomdla kuphela
Inzala kunye neNtlawulo yeNtloko
Umzobo 1, ngasentla, ubonisa ishedyuli yenyanga yokuhlawulwa kwemboleko. Umtyalo-mali uhlawula umdla kuphela ngexesha lokuqala kwemboleko, emva koko umboleko uphinde uhlawule ukuhlawula ibhalansi eyi-100 000 eyiyo eyinqununu kwiminyaka eseleyo.
Umzobo wesi-2 ubonisa ukuba ibhalansi yeqununu ihlala iplati ngexesha lenzalo kuphela, kwaye iqala ukuhla xa umtyalomali eqala ukuhlawula inqununu. Imboleko-kuphela yenzalo ingafaneleka kumtyalo-mali othi:
- Uzama ukukhusela ukungena kwemali engafanelekanga kwiminyaka yokuqala yotyalo-mali,
- Izicwangciso zokufakela ipropati,
- Uneminye imveliso yenkcitho ehlawulwa njengenqununu, okanye
- Ngaba ulindele amazinga aphezulu okuxabisa umhlaba.
Ingozi
Umngcipheko omkhulu kumtyalo-mali ushiywe ngokulingana okungafanelekileyo ukuba ixabiso lemarike lepropsi liyancipha, kuba akukho nqununu ehlawulwa ngexesha lexesha elijongene nomdla.
Ezinye izingozi ezibandakanya:
- Ingeniso yakho ayikanyanga njengoko ilindeleke
- Kukho ukuhlawulwa kwentlawulo
- Inzala emininzi kuphela yokuhlawulwa kwee-mortgages rate (ARMs) iintlawulo zokuqala zingaphantsi, kodwa ukuba ixabiso lentengo likhuphuka, iintlawulo
- Awunayo imali xa kuhlawulwa intlawulo yintloko
- Imarike jikelele yexabiso lempahla iyancipha kwaye ithengisa ayikho ngokukhawuleza.
- Kunzima ukuqikelela ukuba izithintelo zenzalo ziya kuba yintoni ukuba inqununu ibuyelelwe kwakhona.
Umlobi: UChris Smith ungumtyalo-mali, umseli-ntetho ye-intanethi kubalimi-mali kunye nabaqeqeshi bezindlu kunye nepapashwe amanqaku kwi-Corporate Finance Magazine, e-Euromoney kunye ne-Business Journal Network.
Ukuhlaziywa kwe-03 ukusuka ku-Crash Mortgage
QAPHELA:
Ndifuna ukuhlaziya le nqaku emva kokuphazamiseka. Ngoku i-2016 kwaye i-market yeemakethe isaphuma kwi-crash eyaqala ngo-2006. Kwakukho amaninzi amanqaku okukhomba ukubeka ityala lokuphazamiseka, kwaye enye yeethagethi yayingumgaqo-nkqubo wokuboleka imali. Iinkampani zemboleko zetyala zahlawuliswa ngokuboleka abantu abangenakufumana imali yokubolekwa kwemali, okanye abo bafumana imali yokubambisa.
Andiyithandi inzala-mboleko kuphela yinto ebalulekileyo, njengokuba i-niche ekhethekileyo isetyenziswe kakhulu ngabatyalo-mali. Nangona kunjalo, abanye babo bahamba phantsi ngenxa yokuba bebaninzi kakhulu. Njengokuba kuninzi lweentlobo zemboleko zokudala, umboleko wenzalo kuphela waba yinto engekho emva kokuphazamiseka, kodwa ubuyela kule mihla. Iyakwenza izicwangciso ezithile zokutshala imali ngokusemthethweni.