Kufanele ngithole malini ukuthenga indlu e-USA? Uma uthenga ikhaya, ukonga imali ekhokhelwa kakhulu ngokuvamile ngeke kwanele ukuvikela imali mboleko.
Ngidinga isikweletu esingakanani ukuthenga indlu?
Ababolekisi futhi balindele ukuthi ababoleki babe ne- amaphuzu wesikweletu ahloniphekile : i 90% kwe abathengi yezindlu zazine- amaphuzu okungenani angama-650 kwikota yokuqala yonyaka wezi-2020, nemali engenayo ephezulu ngokwanele ukuze uqiniseke ukuthi uzokwazi ukukhokha imali yakho yempahla ngayinye. inyanga.
Imali engenayo kuzwelonke efanelekile ukuthenga ikhaya $ 55,575 nge 10% phambili futhi $ 49,400 kusengaphambili kwe amashumi amabili% , ngokusho kwedatha kusuka ku- inkomba kusuka amanani endawo yedolobha eliphakathi nendawo nokutholakala kusuka kuNational Association of Realtors ngekota yesine yowezi-2020.
Imininingwane ithatha isilinganiso semali mboleko engu-3.67% wemali mboleko engaguquki yeminyaka engama-30, kanye nenhloko yanyanga zonke kanye nokukhokha inzalo kunqunyelwe ku-25% wemali engenayo yomhlali.
Kodwa-ke, kuya ngokuthi uhlala kuphi, umholo owudingayo ukuze ufanelekele ukuthola imali-mboleko uhluka kakhulu. Nayi imali oyidingayo oyikhokhela ikhaya ezindaweni ezingaphezulu kwezingu-15 zaseMelika, ezibalwa kusukela entengo ephansi kakhulu ukuya phezulu.
Isilinganiso sase-US
Itafula lemali engenayo lokuthenga indlu . Ngidinga malini ukuthenga indlu e-USA.
- Kudingeka umholo nge-10% yokukhokha phansi: $ 55,575
- Kudingeka umholo nge-20% yokukhokha phansi: $ 49,400
- Intengo yasekhaya yaseMedian: $ 233,800
I-Tulsa, Oklahoma
- Kudingeka umholo nge-10% yokukhokha phansi: $ 35,237
- Umholo uyadingeka ngokukhokha okuphansi okungama-20%: $ 31,322
- Intengo yasekhaya yaseMedian: $ 174,300
IDetroit, eMichigan
- Kudingeka umholo nge-10% yokukhokha phansi: $ 39,361
- Kudingeka umholo nge-20% yokukhokha phansi: $ 34,988
- Intengo yasekhaya yaseMedian: $ 194,700
ENew Orleans, eLouisiana
- Kudingeka umholo nge-10% yokukhokha phansi: $ 45,184
- Kudingeka umholo nge-20% yokukhokha phansi: $ 40,163
- Intengo yasekhaya yaseMedian: $ 223,500
E-Atlanta, eGeorgia
- Kudingeka umholo nge-10% yokukhokha phansi: $ 46,902
- Umholo uyadingeka ngokukhokha okuphansi okungama-20%: $ 41,691
- Intengo yasekhaya yaseMedian: $ 232,000
IPhiladelphia, ePennsylvania
- Kudingeka umholo nge-10% yokukhokha phansi: $ 48,883
- Kudingeka umholo nge-20% yokukhokha phansi: $ 43,452
- Intengo yasekhaya yaseMedian: $ 241,800
IChicago, e-Illinois
- Kudingeka umholo nge-10% yokukhokha phansi: $ 51,491
- Kudingeka umholo nge-20% yokukhokha phansi: $ 45,770
- Intengo yasekhaya yaseMedian: $ 254,700
Dallas, eTexas
- Kudingeka umholo nge-10% yokukhokha phansi: $ 54,301
- Kudingeka umholo nge-20% yokukhokha phansi: $ 48,268
- Intengo yasekhaya yaseMedian: $ 268,600
ENashville, eTennessee
- Kudingeka umholo nge-10% yokukhokha phansi: $ 56,566
- Umholo uyadingeka ngokukhokha okuphansi okungama-20%: $ 50,281
- Intengo yasekhaya yaseMedian: $ 279,800
IPhoenix, e-Arizona
- Kudingeka umholo nge-10% yokukhokha phansi: $ 83,069
- Kudingeka umholo nge-20% yokukhokha phansi: $ 73,839
- Intengo yasekhaya yaseMedian: $ 295,400
EPortland, e-Oregon
- Kudingeka umholo nge-10% yokukhokha phansi: $ 59,719
- Kudingeka umholo nge-20% yokukhokha phansi: $ 53,084
- Intengo yasekhaya yaseMedian: $ 410,900
ENew York, eNew York
- Kudingeka umholo nge-10% yokukhokha phansi: $ 86,526
- Kudingeka umholo nge-20% yokukhokha phansi: $ 76,912
- Intengo yasekhaya yaseMedian: $ 428,000
IDenver, eColorado
- Kudingeka umholo nge-10% yokukhokha phansi: $ 92,591
- Umholo uyadingeka ngokukhokha okuphansi okungama-20%: $ 82,303
- Intengo yasekhaya yaseMedian: $ 458,000
IBoston, eMassachusetts
- Kudingeka umholo nge-10% yokukhokha phansi: $ 97,605
- Kudingeka umholo nge-20% yokukhokha phansi: $ 86,760
- Intengo yasekhaya yaseMedian: $ 482,800
ISan francisco California
- Kudingeka umholo nge-10% yokukhokha phansi: $ 200,143
- Kudingeka umholo nge-20% yokukhokha phansi: $ 177,905
- Intengo yasekhaya yaseMedian: $ 990,000
ISan Jose, eCalifornia
- Kudingeka umholo nge-10% yokukhokha phansi: $ 251,897
- Umholo uyadingeka ngokukhokha okuphansi okungama-20%: $ 223,900
- Intengo yasekhaya yaseMedian: $ 1,246,000
Ngingakhokha malini ngempahla ebanjiswayo?
Ukubala inani lendlu ongakwazi ukuyikhokhela, sibheka izinto ezithile ezibalulekile, njengeholo lakho lomndeni, izikweletu zanyanga zonke (ngokwesibonelo, izimalimboleko zemoto nezinkokhelo zemalimboleko yabafundi) kanye nenani lokonga elitholakalayo lokukhokha phansi. Njengomthengi wasekhaya, uzofuna ukuba nezinga elithile lokunethezeka ekuqondeni izinkokhelo zakho zanyanga zonke zasekhaya. imali ebanjiswayo .
Ngenkathi imali yakho engenayo yasekhaya kanye nezikweletu zanyanga zonke zingazinza, izindleko ezingalindelekile nezindleko ezingahlelwanga zingathinta ukonga kwakho.
Umthetho omuhle wesithupha wokukwazi ukukhokhela ukuthi ube nezinyanga ezintathu zokukhokha, kufaka phakathi imali oyikhokha ekhaya nezinye izikweletu zanyanga zonke. Lokhu kuzokuvumela ukuthi ukhokhele ukukhokhelwa kwempahla yakho uma kwenzeka umcimbi ongalindelekile.
Ingabe isilinganiso sakho sesikweletu-kuya-engenayo sikuthinta kanjani ukufinyeleleka?
Imethrikhi ebalulekile ibhange lakho eliyisebenzisayo ukubala inani lemali ongayiboleka yi Isilinganiso se-DTI , efanisa inani lezikweletu zakho zanyanga zonke (ngokwesibonelo, izinkokhelo zakho zempahla ebanjiswayo, kufaka phakathi umshwalense kanye nezinkokhelo zentela yempahla) nomholo wakho wenyanga ngaphambi kwentela.
Ngokuya ngesilinganiso sakho sesikweletu, ungafaneleka ngezinga eliphakeme, kepha ngokujwayelekile, izindleko zakho zezindlu akufanele zeqe ama-28% emholo wakho wenyanga.
Isibonelo, uma inkokhelo yakho yanyanga zonke yemali mboleko, ngentela nomshuwalense, ingu- $ 1,260 ngenyanga futhi unemali engenayo yenyanga engu- $ 4,500 ngaphambi kwentela, i-DTI yakho ingama-28%. (1260/4500 = 0.28)
Ungaguqula futhi inqubo ukuthola ukuthi isabelomali sakho sezindlu kufanele sibe yini ngokwandisa imali yakho engenayo ngo-0.28. Esibonelweni esingenhla, lokho kuzovumela ukukhokhelwa kwempahla ebanjiswayo engu- $ 1,260 ukufeza i-28% DTI. (4500 X 0.28 = 1,260)
Ngingakhokha Malini Ikhaya Ngemalimboleko ye-FHA?
Ukubala inani lendlu ongakwazi ukuyikhokhela, sicabange ukuthi okungenani ngenkokhelo ephansi engu-20%, ungathola imalimboleko ejwayelekile . Kodwa-ke, uma ucabanga ukukhokha okuphansi, kuze kufike kubuncane be-3.5%, ungacela i- Imali mboleko ye-FHA .
Izimalimboleko ezisekelwa yi- FHA Futhi banamazinga wokukhulula akhululekile, into okufanele uyikhumbule uma unamaphuzu wesikweletu aphansi.
Izimalimboleko ezijwayelekile zingafika nezinkokhelo eziphansi ezingaphansi kuka-3%, noma ukufaneleka kufanele kube nzima kakhulu kunokubolekwa imali kwe-FHA.
Ngingathola malini ekhaya ngemalimboleko ye-VA?
Ngokuxhumeka kwezempi, ungakwazi ufanelekele ukubolekwa imali ye-VA . Leyo yinkinga enkulu, ngoba imali ebolekwa ngemali esekelwa nguMnyango Wezilwane Zase-Veterans ngokuvamile ayidingi ukukhokhelwa phansi. I-NerdWallet Home Affordability Calculator ithatha leyo nzuzo enkulu uma ibala izici zakho zokufinyeleleka ngokwezifiso.
Umthetho wama-28% / 36%: Uyini nokuthi kungani ubalulekile
Ukubala ukuthi yimalini indlu engingakwazi ukuyikhokhela, umthetho omuhle wesithupha ukusebenzisa umthetho wama-28% / 36%, othi akufanele usebenzise imali engaphezu kuka-28% yemali yakho engenayo yanyanga zonke ezindlekweni ezihlobene nomuzi no-36% ku isikweletu esiphelele.
Isibonelo: Uma wenza u- $ 5,500 ngenyanga futhi unama- $ 500 ezinkokhelweni zezikweletu ezikhona, inkokhelo yakho yanyanga zonke yekhaya lakho akufanele yeqe ama- $ 1,480.
Umthetho we-28% / 36% uyisiqalo esamukelwa kabanzi sokunquma ukutholakala kwekhaya, kepha usazofuna ukucubungula sonke isimo sakho sezezimali lapho ubheka inani lezindlu ongazikhokhela.
Yiziphi izinto ezisiza ukunquma ukuthi ngingakwazi ukuthenga indlu engakanani?
Izici ezibalulekile ekubaleni ukufinyeleleka yilezi 1) umholo wakho wenyanga; 2) imali ebekiwe ukukhokhela izindleko zokukhokha nokuvala; 3) izindleko zakho zenyanga; 4) iphrofayili yakho yesikweletu.
- Imali engenayo: imali oyithola njalo, njengomholo wakho noma imali oyitshalile. Iholo lakho lisiza ukusungula isisekelo salokho ongakwazi ukukukhokhela inyanga ngayinye.
- Izimali ezigciniwe: Leli inani lemali onalo lokukhokha phansi kanye nezindleko zokuvala. Ungasebenzisa imali oyongile, oyitshalile noma eminye imithombo.
- Izikweletu nezindleko: izibopho zanyanga zonke ongahle ube nazo njengamakhadi wesikweletu, izinkokhelo zezimoto, izimalimboleko zabafundi, okuthengwayo, izinsiza, umshuwalense, njll.
- Iphrofayili yesikweletu: Isikweletu sakho nenani lesikweletu onalo kuthonya umbono walowo obolekayo ngawe njengomboleki. Lezo zinto zizosiza ekunqumeni ukuthi ungaboleka imali engakanani nesilinganiso senzalo yempahla oyibolekayo.
Ukutholakala kwekhaya kuqala ngezinga lakho lokuthenga ngempahla
Cishe uzobona ukuthi noma ikuphi ukubalwa kokutholakala kwekhaya kufaka phakathi isilinganiso senzalo yemali mboleko oyokhokhiswa yona. Ababolekisi bazonquma ukuthi ufanelekile yini ukuthola imali mboleko ngokuya ngezici ezine eziyinhloko:
- Isilinganiso sakho sesikweletu semali engenayo, njengoba sibonile ekuqaleni.
- Umlando wakho wokukhokha izikweletu ngesikhathi.
- Ubufakazi bemali engenayo njalo.
- Inani lokukhokha phansi olilondolozile, kanye nomsizi wezezimali wokuvala izindleko nezinye izindleko ozozithola lapho uthuthela ekhaya elisha.
Uma ababolekisi benquma ukuthi ufanele ukubanjiswa ngempahla, khona-ke bazobiza inani lemalimboleko yakho. Lokho kusho ukunquma inani lenzalo oyolikhokhiswa. Amaphuzu akho esikweletu anquma kakhulu isilinganiso sempahla oyothola.
Ngokwemvelo, ukwehla kwesilinganiso senzalo yakho, kwehlisa inkokhelo yakho yanyanga zonke.
Okuqukethwe
- Ngidinga isikweletu esingakanani ukuthenga indlu?
- Isilinganiso sase-US
- I-Tulsa, Oklahoma
- IDetroit, eMichigan
- ENew Orleans, eLouisiana
- E-Atlanta, eGeorgia
- IPhiladelphia, ePennsylvania
- IChicago, e-Illinois
- Dallas, eTexas
- ENashville, eTennessee
- IPhoenix, e-Arizona
- EPortland, e-Oregon
- ENew York, eNew York
- IDenver, eColorado
- IBoston, eMassachusetts
- ISan francisco California
- ISan Jose, eCalifornia
- Ngingakhokha malini ngempahla ebanjiswayo?
- Ingabe isilinganiso sakho sesikweletu-kuya-engenayo sikuthinta kanjani ukufinyeleleka?
- Ngingakhokha Malini Ikhaya Ngemalimboleko ye-FHA?
- Ngingathola malini ekhaya ngemalimboleko ye-VA?
- Umthetho wama-28% / 36%: Uyini nokuthi kungani ubalulekile
- Yiziphi izinto ezisiza ukunquma ukuthi ngingakwazi ukuthenga indlu engakanani?
- Ukutholakala kwekhaya kuqala ngezinga lakho lokuthenga ngempahla