Ukujonga iNombolo
Ukubonisa amanani njengepesenti yemali yeemali-mboleko, makhe sibheke ezinye iinombolo. Xa igosa lemali-mboleko likhuluma ngento enye kwi-mboleko yemali eyi-100 000, igosa le mboleko lithetha malunga nepesenti enye yemboleko, elingana ne-1,000.
Ukuhlawulwa kwemali engama-300,000, enye inqaku lilingana ne-3,000 ehlawulwayo xa uvala imboleko yakho.
Ababoleki banikela ngemilinganiselo yemigangatho eyahlukeneyo kwimali-mboleko ngamanqaku ahlukeneyo. Kukho izinto ezintathu eziphambili ozenzayo malunga namaphupha. Unokugqiba ukuba awufuni ukuhlawula okanye ukufumana amaphuzu kuzo zonke. Oku kubizwa ngokuba ngumboleko wendawo.
Unokuhlawula amanqaku ekuvaleni ukufumana inzala engaphantsi. Okanye unokukhetha ukuba neepaliti ezihlawulwe kuwe (ezibizwa ngokuba yi-credit credits) kwaye zizisebenzise ukuhlawula ezinye iindleko zokuvala.
Isimo Sokuqonda
Masisebenzise ezinye iinombolo zokucatshulwa kwimiba yokuhlalutya (aka Engineer). Umzekelo ungezantsi ubonisa ukuhweba phakathi kwamaphuzu njengenxalenye yeendleko zokuvala kunye neenzala.
Ngokomzekelo, uboleka i-$ 180,000 kwaye unelungelo lokuhlawulwa kwemali engama-30 engama-mortgage loan kwi-interest rate ka-5.0% kunye neengongoma zendawo uza kuba nale ngxaki elandelayo:
Umgangatho wenzala | 4.875% | 5.0% | 5.125% |
Amaphuzu okuphuhlisa | +0.375 | 0.0 | -0.375 |
Imeko Yakho | Uya kugcina imali yakho yokuthenga ixesha elide kwaye ufuna ukugcina intlawulo ngokuphantsi. | Uthanda umyinge wesantya kwaye mhlawumbi uza kubamba ikhaya elingaphantsi kweminyaka emi-5 | Ufuna ukugcina imali ukuvala ngaphantsi kunokwenzeka kwaye unokufumana inkokhelo ephezulu |
Isiphumo | Ngoku: Uhlawula i-$ 675 ngaphezulu xa uvala Ngaphezu kobomi bembolekiso: Bhatala i-$ 14 ncinane inyanga nganye | Akukho zilungiso kuyo nayiphi na indlela, Kulula ukuqonda oko u hlawula kunye ukuthelekisa amaxabiso. | Ngoku: Ufumana I-675 yee-credit loan Ngaphezu kobomi bembolekiso: Bhatala imali engaphezulu kweenyanga ezili-14 ngenyanga |
*** Iimali ezikhoyo ngoku ziyahlukahluka kunezinto eziboniswa kulo mzekelo
Njengoko unokubona ngokucacileyo, ixesha oceba ukufumana ikhaya liyinxalenye enkulu ye-equation ukuba uhlalutyo "luphule-nokuba" lubalulekile kuwe.
Uphulo-naluhlalutyo lulula. Thatha indleko yeengongoma zokuphuhlisa kwaye uhlule ukuba imali yokugcinwa kwenyanga / iindleko kwaye uza kubona ukuba zingaphi iinyanga eziza kuthatha ukuba udilize-nokuba.
I $ 675 kwiindleko / i-$ 14 ngenyanga yokugcina imali iya kubangela ukuphuka-kwinqanaba leenyanga ezingama-48.21.
Ukuba uceba ukugcina imali yakho yemali engaphezulu kweminyaka engama-4.1, okanye iinyanga ezingama-48.21, ngoko ke ukuhlawula amaphuzu okuphuhlisa kuqale ukuqonda. Nantoni na ngaphantsi koko kwaye unokuba wenze isigqibo sezimali esingalunganga.
Sisebenzisa igama elithi "mhlawumbi senze isigqibo sezimali esingalunganga" kuba i-mortgage ineenzuzo zerhafu nemiphumo ekufuneka iqwalaselwe xa uqhuba amanani.
Ixabiso lesibini kunye namaphuzu okuphuhlisa anenzuzo yokunciphisa irhafu kubantu abaninzi abanokuboleka. Ingakumbi kuxhomekeka kwimeko yokuhlala ekhaya lakho elitsha, inani leepropati ezinomnini kunye nomyinge wenzala oye uyanciphisa.
Kukulungele ukuqwalasela zonke iinkcukacha xa wenza isigqibo sakho malunga nokuhlawula amaphuzu okuphuhlisa okanye cha.
Ukunyamekela kwakho ekusebenziseni imeko yakho yezemali kuwe ukhetho lwemali kunokuthatha isigqibo esinokuchaphazela iminyaka engama-30.
Yenza ngokuhlakanipha.