Ukuxhasa kwakhona imali mboleko yakho yobambiso kuthetha ukuba utshintshisa ngento yakho entsha yobambiso ngento entsha kwaye unemali eseleyo.
Xa uhlawula kwakhona imali mboleko yakho, ibhanki yakho okanye umbolekisi uhlawula ityala lakho elidala ngento entsha; Esi sizathu se Ukuxhasa kwakhona imali kwi Ixesha.
Uninzi lwababolekisi lukhetha ukwenza imali kwakhona ukuze banciphise inzala yabo kwaye banciphise ixesha lokuhlawula, okanye basebenzise ithuba lokuguqula inxenye yemali abayifumene ekhayeni labo ibe yimali.
Zimbini iintlobo eziphambili zokuphinda uxhase imali: umyinge kunye nexesha lokuphinda uxhase ngemali kunye nokuphuma kwemali kwakhona.
Yintoni imali kwakhona?
Ukuxhaswa kwakhona yinkqubo yokubuyisela imali mboleko esele ikhona kunye nemali mboleko entsha. Ngokwesiqhelo, abantu baphinda babuyise imali mboleko yabo ukuze banciphise intlawulo zabo zenyanga, banciphise inzala yabo, okanye batshintshe inkqubo yemali mboleko yabo ukusuka kumanqanaba obambiso obambekayo ukuya kwiqondo lobambiso olumiselweyo. Ukongeza, abanye abantu bafuna ukufikelela kwimali ukuze baxhase iiprojekthi zokuhlaziywa kwamakhaya okanye bahlawule amatyala awahlukeneyo, kwaye baya kuthi basebenzise imali yabo kwikhaya labo ukuze bafumane imali kwakhona.
Nokuba uyintoni na injongo yakho, eyona nkqubo yokuphinda unike imali isebenza ngendlela efanayo xa ubusenza isicelo semali mboleko yakho yokuqala- kuyakufuneka uthathe ixesha lokuphanda ukhetho lwakho lwemali mboleko, uqokelele amaxwebhu ezemali achanekileyo, kwaye ungenise isicelo sokubuyiselwa kwemali mboleko. phambi kokuba ibe nokuvunywa.
Izibonelelo zokuhlaziywa kwakhona kwekhaya
Kukho izizathu ezininzi zokuphinda uhlawule imali mboleko yakho. Ezinye zezibonelelo ezinokubakho zibandakanya:
- Nciphisa intlawulo yakho yenyanga *. Ngokutsho Isifundo , Umninimzi ophakathi unokugcina i-160 yeedola okanye nangaphezulu ngenyanga ngentlawulelo. Ngentlawulo ephantsi yenyanga, ungabeka ukonga kwamanye amatyala kunye nezinye iindleko, okanye usebenzise olo londolozo kwintlawulo yakho yenyanga yenyanga kwaye uyihlawule kwangoko imali mboleko yakho.
- Ukuphelisa i-inshurensi yobambiso lwabucala (PMI). Abanye babaninikhaya abanemali eyaneleyo yokuthenga izindlu okanye i-equity-in-equity equity abayi kucelwa ukuba bahlawule i-inshurensi yobambiso eya kunciphisa intlawulo yabo yenyanga.
- Ukunciphisa ixesha lemali mboleko yakho. Kubanini bamakhaya abathathe imali yokubolekwa imali kwangoko kwimisebenzi yabo, imali-mboleko yeminyaka engama-30 isenokuba nemali ngakumbi. Kodwa kwabo bafuna ukubhatala imali mboleko yabo kwangaphambi kwexesha, ukunciphisa ixesha lemali mboleko kunokuba lukhetho olunomtsalane.
- Guqula ukusuka kumanqanaba obambiso obambekayo kwixabiso lemali mboleko. Xa unemali ehlengahlengisiweyo yobambiso, intlawulo yakho inokuhlengahlengisa okanye yehle njengoko inzala itshintsha. Ukutshintshela kwimali mboleko emiselweyo kunye neentlawulo ezithembekileyo nezinzileyo zenyanga zinokunika abaninimzi ukhuseleko lokwazi ukuba intlawulo yabo ayinakuze itshintshe.
- Dibanisa imali yakho yokuqala yokubolekwa kwemali kunye nomda wokulingana kwetyala (HELOC). Ngokuziguqula zibe yintlawulo enye yenyanga, unokwenza lula imali yakho kwaye ujonge kwityala elinye. Ii-HELOCs zihlala zinamaxabiso ahlengahlengisiweyo, ke ukuphinda unike imali kwimali mboleko emiselweyo kunokukugcinela imali ekuhambeni kwexesha.
- Sebenzisa ubulungisa ekhayeni lakho ukufumana imali. Ngokunyuka kwamaxabiso asekhaya, unokufumana imali eyaneleyo yokufumana imali kwakhona. Le mali ingasetyenziselwa ukuxhasa ngemali uphuculo lwasekhaya, ukuhlawula ityala, okanye ukuxhasa ngemali ukuthenga okukhulu.
Umngcipheko wokuphinda uhlawule imali mboleko
Kuxhomekeke kwiinjongo zakho nakwimeko yemali, ukuphinda unike imali akunakusoloko kuyindlela elungileyo onokukhetha ngayo. Ngelixa ukuphinda unike imali kunika izibonelelo ezininzi, kuya kufuneka uphinde ulinganise umngcipheko.
Umzekelo, ukuphinda uxhase imali yakho yobambiso ngokubanzi iqala kwakhona inkqubo yokuhlawula. Ke ukuba uneminyaka emihlanu yokuhlawula imali-mboleko yeminyaka engama-30 kwaye uthathe isigqibo sokuthatha imali-mboleko entsha yeminyaka engama-30, uyakube uhlawula ityala lobambiso kangangeminyaka engama-35. Abanye abaninimzi, esi sisicwangciso esihle, kodwa ukuba sele unayo, yithi, iminyaka eli-10 okanye engama-20 kwimali mboleko yakho, inzala yobomi ayinakulunga iindleko ezongezelelweyo.
Kule meko, uninzi lwabanini bamakhaya luphindaphinda imali mboleko yexesha elifutshane engazukuyandisa intlawulo yemboleko yakho, njengemali mboleko yeminyaka engama-20 okanye eli-15 (ehlala ikwabonelela ngamaxabiso asezantsi kunemali-mboleko yeminyaka engama-30.).
Ngokubanzi, ukuphinda unike imali yindlela elungileyo ukuba inzala entsha ingaphantsi komyinge wenzala kwimali mboleko yakho yangoku, kwaye inani lilonke lokonga lingaphezulu kwexabiso lokuphinda unike imali. Umzekelo, ukuba unama-390,000 eedola ashiyekileyo kwimali mboleko engama- $ 400,000 kwi-4.25%, ukubuyisela imali mboleko yakho yangoku kwi-3.75% kunokubangela ukonga i-162 yeedola ngenyanga xa kuthelekiswa nemali mboleko yakho yangaphambili. *
* Xa uphinda unika imali mboleko yakho esele ikho, iindleko zakho zizonke zingangaphezulu kubomi bemali mboleko.
Imibuzo ebuzwa rhoqo malunga nokuphinda unike imali
Ngaphambi kokukhetha ukuphinda usebenze kwakhona, kubalulekile ukuba uzilungiselele. Ukulinganisa ukulungela kwakho ukuphinda unike imali, jonga le mibuzo ilandelayo.
Ngaba kufanelekile ukuba ndiphinde ndicoce ukuba ndiceba ukuhlala ekhayeni lam iminyaka embalwa?
Njengasekuqaleni xa wawuthenga ikhaya lakho, kuya kufuneka uhlawule iifizi, iirhafu, kunye neendleko zokuvala kwimali mboleko yakho yokwenza imali kwakhona. Kubalulekile ukumisela ukuba kuya kuthatha ixesha elingakanani ukwahlula naxa uphinde wahlawula imali mboleko. Inqaku lokophuka yindawo apho ulondolozo lwenyanga olwenziwe kukuphinda uxhase ubambiso lubambe ngaphezulu kweendleko zokuphinda unike imali.
Ngokwe-Ofisi yoKhuseleko lwezeMali yabaThengi, kuya kufuneka uthathele ingqalelo ukuba kuya kuthatha ixesha elingakanani ukugcina inyanga nenyanga ukuhlawula iindleko zokuphinda unike imali. Ukuphonononga iindleko zokuvala ozihlawule kwimali mboleko yakho yekhaya yoqobo. Iindleko zokuphinda zinike imali zinokulingana ngokufanayo. Umgaqo oqhelekileyo wesithupha uqhubeka kuphela ukuba inqanaba lenzala elitsha likugcinela loo mali kangangeminyaka emibini (ngamanye amagama, ukuba wophula nokuba kukwiminyaka emibini).
Qiniseka ukuba wenza izibalo kwaye uqonde ukuba imali mboleko entsha iza kukuchaphazela njani.
Ngaba ukuxhasa ngemali kwakhona kuchaphazela njani amanqaku am etyala?
Ayisiwo kuphela amanqaku akho etyala anceda ekuqinisekiseni ukuvunywa kwemali yakho yokuthenga kwakhona, ikwamisela umyinge wenzala oza kukubonelela umbolekisi wakho. Ukubeka ngokulula, aphezulu amanqaku akho etyala, ezantsi izinga lenzala yakho.
Umzekelo, umboleki ngenani eliphakathi lemali mboleko ye- $ 250,000 kunye nenqaku lokuthenga ngetyala 640 angahlawula malunga ne- $ 2,500 ngaphezulu ngonyaka kwintlawulo yenzala kunomboleki onamanqaku etyala 760 . Ukuba amanqaku akho etyala ehlile okoko ufumene imali mboleko yakho, unokulindela ukuhlawula amaxabiso aphezulu, anokulahla naziphi na izibonelelo ezinokubakho ekuxhaseni imali kwakhona.
Ithini intsalela eseleyo kwimali mboleko yam?
Ngaphambi kokuba utyikitye ityala elitsha lobambiso, kuya kufuneka uvavanye ibhalansi yakho yemali mboleko. Ukuba okwangoku ukwiminyaka ye-15 yemali-mboleko yakho yeminyaka engama-30, unokufuna ukuphonononga ukhetho lwakho lokuphinda uhlaziye ixesha elifutshane. Oku kusengqiqweni kubanini bamakhaya abaninzi kuba ivumela ukuba basebenzise amaxabiso asezantsi ngokwembali ngaphandle kokulibazisa umhla wabo wokuhlawula, onokuthi uhlale unika ukonga okukhulu. *
Ngaba ndifuna ubhetyebhetye okanye ishedyuli yokuhlawula engqongqo?
Ukusetyenziswa okuqhelekileyo kokubuyiselwa kwemali kukunciphisa ixesha lokubolekwa kwemali kwaye uyihlawule kwangoko. Ukuba amaxabiso wenzala yemali mboleko angaphantsi kunenqanaba lenzala yakho yangoku, kuqhelekile ukuba ube nemali efanayo yenyanga xa unciphisa iminyaka yobambiso lwakho.
Umzekelo, abaninimzi abanemali-mboleko yeminyaka engama-30 banokuboleka kwimali-mboleko yeminyaka eli-15. Olu inokuba lukhetho olukhulu, kodwa kukho izinto ekufuneka ziqwalaselwe:
Okokuqala, uninzi lwababolekisi luya kukuvumela ukuba uhlawule ityala lakho lobambiso kwangoko. Ke ukuba ufuna ukuhlawula imali-mboleko yakho yeminyaka engama-30 kwiminyaka eli-15 ngentlawulo eyongezelelweyo, unokukwazi ukwenza njalo. Oku kunokukunceda wakhe iinqununu ngokukhawuleza kwaye ugcine kwintlawulo yenzala. Ukuba iimeko ziyatshintsha kwaye amaxesha aba nzima, ukhululekile ukubuyela kwintlawulo yemvumelwano yeminyaka engama-30.
Kwelinye icala, imali-mboleko yeminyaka eli-15 ngokubanzi ibonelela ngokonga inzala nangakumbi kwaye inokukunceda ukuba wakhe ubulungisa ngokukhawuleza, ukuze ube nelakho umzi mahhala kwaye ungahlawuli kwakamsinya kunangoku.
Ngaba ukuxhasa ngemali kwakhona kuyafumaneka kwi-FHA, VA, Jumbo, okanye kwi-USDA mboleko?
Ewe, kuxhomekeke kwimeko yakho yangoku, enye yezi zikhetho inokuba nengqondo kuwe. Ukongeza, ukuba okwangoku unesiqhelo, i-FHA, i-VA, iJumbo, okanye i-USDA mboleko, kukho iindlela ezikhoyo ezikhoyo ezibandakanya iinkqubo zokucoca ulula. Iinkqubo zokuhlaziya ezenziwa ngokulula zibonelela ngenkqubo yokuvunywa okucwangcisiweyo ngokunciphisa okanye ukuphelisa uninzi lwengeniso, ikhredithi, okanye ukuphononongwa kokuvavanywa okubandakanyiweyo kwiinkqubo zokuhlaziya kwakhona.
Inkqubo yokwenziwa kwe-VA ibizwa ngokuba yi-Reduction Reduction Refinance, okanye i-IRRRL. Kubalulekile ukuba uchaze ukuba ukubolekwa kwemali mboleko okuphuculweyo akunakuvumela ukhetho lokurhoxa kwemali. Kwakhona, njengolunye ukhetho lokuphinda ucofe imali, ukubolekwa kwemali eyenziwe lula kunokongeza kwiindleko zakho ezipheleleyo kubomi bemali mboleko.
Ngaba ngoku lixesha elifanelekileyo lokuhlaziya?
Ekugqibeleni, kubalulekile ukuba uhlunge amanani ukuze ubone ukuba ukuphinda unike imali kuyavakala kuwe. Nokuba khange ukwazi ukuphinda uhlaziye izinto ngaphambili, iinkqubo zemboleko kunye namaxabiso ahlala etshintsha. Olu tshintsho, kunye nokunyuka kwamaxabiso asekhaya kwiimarike ezahlukeneyo, kunokukuvumela ukuba wehlise iqondo lakho okanye iintlawulo zakho zenyanga.
Kodwa akufuneki uyenze wedwa! Amagosa emali mboleko kaPennyMac ahlala ekulungele ukuphendula imibuzo yakho kwaye akukhokele kwindlela eya kulungiswa ngempumelelo.
Ireyithi kunye nexesha lokuphinda unike imali
Kwi Ukuxhaswa kwakhona kwe ireyithi kunye nexesha, uhlala ufumana ityala elitsha lobambiso ngenqanaba eliphantsi lenzala, kunye nexesha elifutshane lokuhlawula (iminyaka engama-30 itshintshiwe yaya kwiminyaka eli-15).
Ngamaxabiso enzala asezantsi amva nje, ukuphinda uxhase ubambiso lwakho lweminyaka engama-30 kwi-mortgage yeminyaka eli-15 unokuphelela kwintlawulo yenyanga efanayo nemali mboleko yakho yoqobo. Oku kungenxa yemali esezantsi yomdla onokuyihlawula kwimali mboleko yakho entsha, nangona iminyaka eli-15 yokuhlawula imali mboleko iphakeme kunemali-mboleko yeminyaka engama-30.
Inyaniso malunga neMali mboleko ithi kubalulekile ukuba uqiniseke ukuba uyayifumana inqaku lakho lokwahlula ngaphambi kokuthatha isigqibo sokuphinda ubuyekeze inqanaba lakho lobambiso. Oku ikakhulu xa iindleko zokubuyiselwa kwemali zifunyenwe ngentlawulo ephantsi yanyanga mboleko.[1].
Ukuxhasa kwakhona ngokurhoxiswa kwemali
Xa uhlaziya ukuphuma kwemali, unokuphinda uhlaziye ukuya kwiipesenti ezingama-80 zexabiso langoku lekhaya lakho ngemali. Kungenxa yoko le nto ibizwa ngokuba kukuhlawulwa kwemali kwakhona. Ke masithi ikhaya lakho lixabisa i-100,000 zeedola kwaye unetyala le- $ 60,000 kwimali mboleko yakho. Ibhanki yakho okanye umbolekisi angakunika, njengomntu obolekayo ofanelekileyo, i-20 000 yeedola ezinkozo, ukwenza imali yakho mboleko entsha ibe ngama-80,000.
Kwimeko yokuphuma kwemali ezinkozo, awusoloko ugcina imali ngokuxhasa kwakhona, kodwa ufumana uhlobo lwemali mboleko kwinzala esezantsi kwimali efunekayo. Izizathu zokuthatha ukuhlawulwa kwemali ngaphandle kwemali kukuba unokufuna ukumba iphuli entsha yokuthatha umhlala-phantsi ngasemva kwendlu okanye uye kwiholide yamaphupha.
Yazi ukuba ukuthatha imali-mboleko yokuphuma kwemali kukonyusa inani lokuxoka kwakho[2]. Oku kunokuthetha ukuba kuninzi kunye / okanye ukuhlawulwa kwexesha elide. Khumbula ukuba ayiyiyo imali yasimahla leyo kwaye kufuneka uyihlawule kumbolekisi wakho.
Ukuthatha isigqibo sokuhlaziya ubambiso lwakho ayisiyonto ethathwa kancinci. Cinga ngendleko zokuphinda unike imali xa kuthelekiswa nolondolozo ekubuyiseni. Thetha nomcwangcisi wezezimali ukuba ukhathazekile malunga nokuba kufuneka uphinde ucwangcise imali, kunye nezinye iindlela onokukhetha kuzo.
Iziqulatho
- Yintoni imali kwakhona?
- Izibonelelo zokuhlaziywa kwakhona kwekhaya
- Umngcipheko wokuphinda uhlawule imali mboleko
- Imibuzo ebuzwa rhoqo malunga nokuphinda unike imali
- Ngaba kufanelekile ukuba ndiphinde ndicoce ukuba ndiceba ukuhlala ekhayeni lam iminyaka embalwa?
- Ngaba ukuxhasa ngemali kwakhona kuchaphazela njani amanqaku am etyala?
- Ithini intsalela eseleyo kwimali mboleko yam?
- Ngaba ndifuna ubhetyebhetye okanye ishedyuli yokuhlawula engqongqo?
- Ngaba ukuxhasa ngemali kwakhona kuyafumaneka kwi-FHA, VA, Jumbo, okanye kwi-USDA mboleko?
- Ngaba ngoku lixesha elifanelekileyo lokuhlaziya?
- Ireyithi kunye nexesha lokuphinda unike imali
- Ukuxhasa kwakhona ngokurhoxiswa kwemali
- Uncedo lwaBathengi beKhaya lokuQala eFlorida
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