Ukuphinda unike imali imali mboleko yakho kusho ukuthi ushintshanisa imali mboleko yakho endala uthole entsha futhi mhlawumbe ibhalansi entsha.
Uma wenza kabusha imali yakho ebolekiwe, ibhange lakho noma umbolekisi ukhokha imali yakho ebolekiwe endala nalena entsha; lesi yisizathu se unika imali kabusha ukuze isikhathi.
Iningi lababoleki likhetha ukwenza imali ukuze banciphise inzalo yabo futhi banciphise isikhathi sokukhokha, noma basebenzise ithuba lokuguqula ingxenye yemali abayitholile ekhaya labo ibe ukheshi.
Kunezinhlobo ezimbili eziyinhloko zokuxhaswa kabusha kwemali: isilinganiso namanani wokuphinda unike imali futhi ukukhipha imali futhi.
Kuyini ukuphinda unike imali?
Ukuxhaswa kabusha yinqubo yokufaka esikhundleni semalimboleko entsha ekhona ngemali mboleko entsha. Imvamisa, abantu bafaka kabusha imali yabo ebanjiswayo ukuze behlise izinkokhelo zabo zanyanga zonke, behlise isilinganiso senzalo yabo, noma bashintshe uhlelo lwabo lwemalimboleko kusuka kubambiso elingaguquguquki lokuthenga ngempahla kubhekiswe emalini ebanjisiwe. Ngokwengeziwe, abanye abantu badinga ukufinyelela kukheshi ukuxhasa amaphrojekthi wokuvuselela amakhaya noma ukukhokha izikweletu ezahlukahlukene, futhi bazosebenzisa imali yabo yasekhaya ukuthola imali.
Akunandaba ukuthi uyini umgomo wakho, inqubo yangempela yokuxhasa kabusha imali isebenza ngendlela efanayo naleyo ebisebenza ngayo lapho ufaka isicelo semali mboleko yakho yokuqala - uzodinga ukuthatha isikhathi sakho ucwaninge ngezinketho zakho zemalimboleko, uqoqe amadokhumende afanele ezezimali, bese uthumela isicelo sempahla yokubuyiselwa imali. ngaphambi kokuthi ivunyelwe.
Izinzuzo zokuvuselelwa kwekhaya
Kunezizathu eziningana zokuphinda ubuyise imali yakho ebolekiwe. Ezinye izinzuzo ezingaba khona zifaka:
- Nciphisa inkokhelo yakho yanyanga zonke *. Ngokusho Ucwaningo , umninikhaya ojwayelekile angonga u- $ 160 noma ngaphezulu ngenyanga ngokukhishwa kwemali kabusha. Ngenkokhelo ephansi yanyanga zonke, ungabeka ukonga kwezinye izikweletu nezinye izindleko, noma usebenzise leyo mali oyikhokhile ekukhokhelweni kwempahla yakho yanyanga zonke bese ukhokha imalimboleko yakho ngokushesha.
- Susa umshuwalense wangasese we-mortgage (PMI). Abanye abaninikhaya abanemali eyanele yemali noma imali ekhokhelwe ngeke badingeke ukuthi bakhokhele umshwalense wempahla oyokwehlisa inani labo lokukhokha nyangazonke.
- Nciphisa isikhathi semalimboleko yakho. Kubaninikhaya abathathe imali yokubolekwa imali ekuqaleni kwemisebenzi yabo, imali ebanjiswayo yeminyaka engama-30 kungenzeka ukuthi yaba nengqondo ethe xaxa kwezezimali. Kepha kulabo abafuna ukukhokha imali yabo yokubambisa ngaphambi kwesikhathi, ukunciphisa isikhathi semalimboleko kungaba yindlela ekhangayo.
- Ukushintsha kusuka kubambiso lesilinganiso semali eguqukayo kuya kwimali mboleko yamanani amisiwe. Uma unesilinganiso semali mboleko ongayishintsha, inkokhelo yakho ingashintsha noma yehle njengoba amazinga wenzalo eguquka. Ukushintshela emalini ebolekiwe enesilinganiso esinqunyiwe ngezinkokhelo ezithembekile nezizinzile zanyanga zonke kunganikeza abaninikhaya ukuphepha kokwazi ukuthi inkokhelo yabo ayisoze yashintsha.
- Hlanganisa umugqa wakho wokuqala wesikweletu (HELOC). Ngokuziguqula zibe inkokhelo eyodwa yanyanga zonke, ungenza imali yakho ibe lula futhi ugxile esikweletini esisodwa. Ama-HELOCs avame ukuba namanani angaguquguqukayo, ngakho-ke ukuphinda unike imali kwimali mboleko yamanani amisiwe kungakongela imali ngokuhamba kwesikhathi.
- Sebenzisa imali ekhayeni lakho ukuthola imali. Ngokukhuphuka kwamanani asekhaya, ungahle ube nokulingana okwanele ukuthola ukukhishwa kwemali futhi. Le mali ingasetshenziselwa ukukhokhela ukuthuthukiswa kwekhaya, ukukhokha isikweletu, noma ukukhokhela ukuthenga okukhulu.
Izingozi zokubuyiselwa kwemali mboleko
Ngokuya ngezinjongo zakho kanye nesimo sakho sezezimali, ukunikezwa imali kabusha kungahle kungabi yindlela enhle ngaso sonke isikhathi. Ngenkathi ukuphinda unike imali kunikeza izinzuzo eziningi, kuzofanela futhi ukuthi ulinganise ubungozi.
Isibonelo, ukuphinda unike imali imali yakho ebanjiswayo kuvuselela inqubo yokukhokha. Ngakho-ke uma uneminyaka emihlanu ukukhokha imalimboleko yeminyaka engama-30 bese unquma ukuthatha isikweletu esisha seminyaka engu-30, uzobe ukhokha imali yokubambisa ngempahla iminyaka engama-35. Kwabanye abaninikhaya, lolu uhlelo oluhle, kepha uma usuvele unayo, yithi, iminyaka eyi-10 noma engama-20 ekubambeni kwakho kwempahla, inzalo yempilo yonke kungenzeka ingazifanele izindleko ezingeziwe.
Kulezi zimo, abaninikhaya abaningi benza kabusha ngemalimboleko yesikhashana engeke ikhulise ukukhokhelwa kwabo kwempahla, njengemali mboleko yeminyaka engama-20 noma engu-15 (okubuye kunikeze ngamanani aphansi kunemali mboleko yeminyaka engama-30.).
Ngokuvamile, ukufaka imali kabusha kuyindlela enhle uma isilinganiso senzalo esisha siphansi kunenani lenzalo yemali mboleko yakho yamanje, futhi inani lilonke lokonga lidlula izindleko zokuxhaswa kabusha kwemali. Isibonelo, uma ushiye u- $ 390,000 ku- $ 400,000 loan ku-4.25%, ukufaka esikhundleni sempahla yakho yamanje engu-3.75% kungaholela ekulondolozweni kwe- $ 162 ngenyanga uma kuqhathaniswa nemalimboleko yakho yangaphambilini. *
* Uma wenza imali mboleko yakho ekhona, imali oyikhokhayo ingase ibe ngaphezulu empilweni yemalimboleko.
Ibeka kabusha ama-FAQ
Ngaphambi kokukhetha ukwenza kabusha, kubalulekile ukuthi uzilungiselele. Ukukala ukulungela kwakho ukuphinda unike imali, cabanga ngale mibuzo elandelayo.
Ngabe kufanele ngiphinde ngichaze uma ngihlela ukuhlala ekhaya iminyaka embalwa nje?
Njengasikhathi uqala ukuthenga ikhaya lakho, kuzofanela ukhokhe imali, izintela, nezindleko zokuvala ekubambiseni imali yakho. Kubalulekile ukunquma ukuthi kuzothatha isikhathi esingakanani ukuphula ngisho nalapho unika imali kabusha imali ebanjiswayo. Iphuzu lokuqhekeka yiphuzu lapho ukonga kwanyanga zonke okwenziwe ngokukhokhela kabusha imali ebanjiswayo kudlula izindleko zokukhokhelwa kabusha.
Ngokuya nge-Consumer Financial Protection Bureau, udinga ukuthi ucabangele ukuthi kuzothatha isikhathi esingakanani ukulondolozwa ngenyanga ukukhokha izindleko zokukhokhelwa kabusha kwemali. Buyekeza izindleko zokuvala ozikhokhele kwimalimboleko yakho yokuqala yekhaya. Izindleko zokukhokha kabusha zingacishe zifane. Umthetho ojwayelekile wesithupha uqhubeka kuphela uma isilinganiso senzalo esisha sikongela lelo nani cishe iminyaka emibili (ngamanye amagama, uma wephula ngisho cishe eminyakeni emibili).
Ngakho-ke qiniseka ukwenza izibalo futhi uqonde ukuthi imali mboleko entsha izokuthinta kanjani.
Ukuxhaswa kabusha kuthinta kanjani amaphuzu wami wesikweletu?
Amaphuzu akho esikweletu awasizi kuphela ekunqumeni ukuvunyelwa kwakho kwemali ebanjwayo, futhi kunquma nezinga lenzalo umbolekisi wakho azokunikeza lona. Kalula nje, ukukhuphuka kwesikweletu sakho, kwehla isilinganiso senzalo yakho.
Isibonelo, umboleki onenani lemalimboleko elinganiselwa ku- $ 250,000 nesilinganiso sesikweletu se- 640 angakhokha cishe ama- $ 2,500 ngaphezulu ngonyaka ngezinkokhelo zenzalo kunomuntu obolekayo onamaphuzu esikweletu 760 . Uma isilinganiso sakho sesikweletu sehlile selokhu waqala ukuthola imali mboleko yakho, ungalindela ukukhokha amanani aphakeme, angaphikisa noma yiziphi izinzuzo ezingaba khona ngokuxhaswa kabusha kwemali.
Iyini ibhalansi esele kwimalimboleko yami?
Ngaphambi kokusayina imalimboleko entsha, kuzodingeka uhlole ibhalansi yakho yemalimboleko yamanje. Uma njengamanje usunyakeni wakho we-15 wemalimboleko yakho yeminyaka engama-30, ungahle uthande ukuhlola izinketho zakho zokuphinda usebenze ngemali emfushane. Lokhu kunengqondo kubaninikhaya abaningi ngoba kubavumela ukuthi basebenzise amanani aphansi ngokomlando ngaphandle kokubambezela usuku lwabo lokukhokha, okungahlinzeka ngokulondolozwa okukhulu. *
Ngabe ngidinga ukuguquguquka noma uhlelo lokukhokha oluqinile?
Ukusetshenziswa okuvamile kokuxhaswa kabusha kwemali ukunciphisa impilo yesikweletu nokuyikhokha ngokushesha. Uma amanani wenzalo yemali mboleko yakho ephansi kunesilinganiso sakho senzalo samanje, kuvamile ukuba nemali ekhokhwayo efanayo yanyanga zonke ngenkathi unciphisa iminyaka yemalimboleko yakho.
Isibonelo, abaninikhaya abanesibambiso seminyaka engama-30 bangakwazi ukuboleka imali mboleko yeminyaka engu-15. Lokhu kungaba ukukhetha okuhle, kepha kunezinto okufanele uzicabangele:
Okokuqala, ababolekisi abaningi bazokuvumela ukuthi ukhokhe imali yakho yokubambisa ngaphambi kwesikhathi. Ngakho-ke uma ufuna ukukhokha imalimboleko yakho yeminyaka engama-30 eminyakeni eyi-15 ngezinkokhelo ezingeziwe, ungahle ukwazi. Lokhu kungakusiza wakhe uthishanhloko ngokushesha futhi wonge izinkokhelo zenzalo. Uma izimo ziguquka futhi izikhathi ziba nzima, ukhululekile ukubuyela enkokhelweni yokuqala yeminyaka engama-30.
Ngakolunye uhlangothi, imalimboleko yeminyaka engu-15 ngokuvamile inikeza ukonga inzalo enkulu kakhulu futhi ingakusiza nokuthi wakhe imali ngokulingana ngokushesha, ukuze ukwazi ukuba nomuzi wakho mahhala futhi ungakhokhi ngokushesha.
Ngabe ukukhokhelwa kabusha kuyatholakala kwemali mboleko ye-FHA, VA, Jumbo, noma i-USDA?
Yebo, kuye ngesimo sakho samanje, enye yalezi zinketho ingaba nengqondo kuwe. Ngokwengeziwe, uma njengamanje unesibambiso esivamile, i-FHA, i-VA, i-Jumbo, noma i-USDA, kunezinketho ezitholakalayo ezibandakanya izinhlelo eziningi zokwenza imali lula. Izinhlelo ezinikezwe kabusha zokunikezwa kwemali zinikeza inqubo evunyelwe yokunciphisa ngokunciphisa noma ngokuqeda iningi lemali engenayo, isikweletu, noma ukubuyekezwa kokufakwa okufakiwe ezinhlelweni ezijwayelekile zokwenza imali.
Uhlelo lokusebenzisa i-VA lubizwa ngokuthi yi-Interest Rate Reduction Refinancing, noma i-IRRRL. Kubalulekile ukusho ukuthi imali mboleko yokulungiswa kwemali efanele ingavumela inketho yokukhipha imali. Futhi, njengezinye izinketho ze-refinance, imali mboleko elula yokwenza imali ingangeza kuzindleko zakho eziphelele ngempilo yemalimboleko.
Ngabe manje yisikhathi esifanele sokucwengwa kabusha?
Ekugcineni, kubalulekile ukuhlunga izinombolo ukubona ukuthi ukuphinda unike imali kunengqondo kuwe. Noma ungakwazanga ukwenza imali esikhathini esedlule, izinhlelo zemalimboleko namanani zihlala ziguquka. Lezi zinguquko, kanye nokwanda kwamanani asekhaya ezimakethe ezahlukahlukene, kungakuvumela ukuthi wehlise isilinganiso sakho noma izinkokhelo zakho zanyanga zonke.
Kepha akudingeki ukwenze wedwa! Izikhulu zemalimboleko zePennyMac zihlala zikulungele ukuphendula imibuzo yakho futhi zikuqondise endleleni eya ekuhlanzeni ngempumelelo.
Linganisela futhi uphinde ukhokhe isikhathi
Kwi ukuxhaswa kabusha kwe- isilinganiso nethemu, uvame ukuthola imali ebanjiswayo entsha enenzalo ephansi, futhi mhlawumbe nesikhathi esifushane sokukhokha (iminyaka engama-30 ishintshiwe yaba yiminyaka engu-15).
Ngamanani wenzalo aphansi ngokomlando, ukuphinda unike imali yemalimboleko yakho yeminyaka engama-30 ekubambeni kwemali engu-15 kungagcina sekukhokhwa nyangazonke okufana nemalimboleko yakho yoqobo. Lokhu kungenxa yenani eliphansi lenzalo ongayikhokha ekubambeni kwakho kwempahla entsha, yize izinkokhelo zeminyaka engu-15 zokubolekwa kwemali zivame ukwedlula imali mboleko yeminyaka engama-30.
Iqiniso mayelana neMali mboleko lithi kubalulekile ukuthi uqiniseke ukuthi uyalithola iphuzu lakho lokwehlukanisa ngaphambi kokuthatha isinqumo sokuphinda ubuyise inani lakho lamanje lokubolekwa kwemali. Lokhu kwenzeka lapho izindleko zokubuyiselwa kwemali zitholwa ngokukhokhwa kwemali mboleko yenyanga ephansi kunazo zonke.[1].
Ukuxhaswa kabusha ngokukhishwa kwemali
Ngokuphinda ukhiphe imali, ungaphinda uqoqe kuze kufike kumaphesenti angama-80 wenani lamanje lekhaya lakho ngokheshi. Yingakho ibizwa ngokuthi yi-cash-out refinancing. Ngakho-ke ake sithi ikhaya lakho linenani elingu- $ 100,000 futhi ukweleta u- $ 60,000 kwimalimboleko yakho. Ibhange lakho noma umbolekisi angakunika, njengomboleki ofanelekayo, u- $ 20,000 ngokheshi, okwenza imali yakho ebolekiwe engu- $ 80,000.
Ngokuphinda ukhiphe imali, awusoloko njalo wonga imali ngokukhokhela kabusha imali, kepha uthola uhlobo lwemalimboleko ngenzalo ephansi kwimali edingekayo. Izizathu zokuthatha ukukhishwa kwemali kungaba ukuthi ungahle uthande ukumba ichibi elisha lokuthatha umhlalaphansi ngemuva kwegceke lakho noma uye eholidini lamaphupho.
Yazi ukuthi ukuthatha imali ebolekiwe yokuphuma kwemali kukhulisa inani lamanga akho[2]. Lokhu kungasho izinkokhelo ezinkulu kanye / noma zesikhathi eside. Khumbula ukuthi lena akuyona imali yamahhala futhi kufanele uyibuyisele kumbolekisi wakho.
Ukuthatha isinqumo sokuphinda ubuyise imali yakho ebolekiwe akuyona into okufanele ithathwe kalula. Cabanga ngezindleko zokuphinda unike imali ngokuqhathaniswa nokulondolozwa ngokubuyiselwa. Khuluma nomhleli wezezimali uma ukhathazekile ngokuthi kufanele uphinde wenze imali noma cha, kanye nezinye izinketho ongazithola.
Okuqukethwe
- Kuyini ukuphinda unike imali?
- Izinzuzo zokuvuselelwa kwekhaya
- Izingozi zokubuyiselwa kwemali mboleko
- Ibeka kabusha ama-FAQ
- Ngabe kufanele ngiphinde ngichaze uma ngihlela ukuhlala ekhaya iminyaka embalwa nje?
- Ukuxhaswa kabusha kuthinta kanjani amaphuzu wami wesikweletu?
- Iyini ibhalansi esele kwimalimboleko yami?
- Ngabe ngidinga ukuguquguquka noma uhlelo lokukhokha oluqinile?
- Ngabe ukukhokhelwa kabusha kuyatholakala kwemali mboleko ye-FHA, VA, Jumbo, noma i-USDA?
- Ngabe manje yisikhathi esifanele sokucwengwa kabusha?
- Linganisela futhi uphinde ukhokhe isikhathi
- Ukuxhaswa kabusha ngokukhishwa kwemali
- Usizo Kubathengi Bokuqala Bekhaya EFlorida
- Imiphi Imibhalo Engiyidingayo Ukuthenga Indlu Ku ...
- Ngidinga isikweletu esingakanani ukuthenga indlu?
- Izidingo Zokuthenga Ikhaya Lamaselula e-United States
- Izidingo Zokuthenga Ikhaya E-United States - Umhlahlandlela
- Isibonelo sokwenza ukunikezwa kwekhawunta yokuthenga ekhaya