Bathi ukuthenga ikhaya lolona tyalo mali lukhulu wakha walwenza. Kwaye, ngelixa ijaji iphumile nokuba ingaba loluphi na utyalo-mali oluhle lwexesha elide kuwo wonke umntu, kubalulekile ukuba ufunde i-lingo ukuze uphathe esi sigqibo sikhulu-kunye nemali enkulu ehamba nayo-ngobulumko.
Enye yezona zinto zibaluleke kakhulu ukuba wazi ngezemali yasekhaya kukulingana. Ukwaphula ngokuchanekileyo ukuba yintoni ubulungisa kwaye kutheni kubalulekile, sithethile neengcali ezimbini zokuthengiswa kwezindlu. Nazi izinto ezintlanu abathi bazazi:
1. Yintoni ubulungisa?
Ubulungisa basekhaya ngumahluko phakathi kwexabiso elilinganisiweyo lekhaya lakho kunye nemali yakho eseleyo yokubambisa ngempahla, ngokutsho Ibhanki yaseMelika . Ngokusisiseko, yinxalenye yekhaya ongumnini, ngokwasemalini, ngokusekwe kwimali oyihlawule kuyo ukuza kuthi ga ngoku (ngaphandle kwesixa-mali esihlawulelwe inzala).
Ke, ukuba ikhaya lakho lixabisa i-300,000 yeedola kwaye ibhalansi yakho yangoku yemali mboleko iyi- $ 200,000, ke ubhatale i-100,000 yeedola kwimali-mboleko yakho, oko kuthetha ukuba une- $ 100,000 kwimpahla ekhayeni lakho.
2. Ngaba zikhona ezinye iindlela zokulinganisa oku?
Ewe ngamanye amaxesha abantu basebenzisa umyinge wemali mboleko-ukuya kwixabiso (i-LTV) ukuveza ubungakanani bento ekhayeni, ngokwe Ibhanki yaseMelika . Nantsi ifomula yesiseko semali mboleko ukuya kwixabiso: ibhalansi yangoku yemali mboleko value ixabiso elilinganisiweyo langoku = LTV. Ke, kwimeko ekhankanywe ngasentla, i-equation iya kuba: i-200,000 yeedola 300 $ 300,000 = 0.67. Lowo ngumlinganiselo wemali-mboleko kwixabiso lama-67 eepesenti.
3. Ulakha njani ubulungisa?
Zimbini iindlela zokwakha ukulingana ekhayeni, ngokutsho kwengcali malunga nemali mboleko yendlu uRichard Barenblatt ka Ungathenga okanye uthengise izabelo GuardHill Financial Corp. kwisiXeko saseNew York Ngenye indlela, xa uhlawula imali mboleko yakho, unetyala elincinci ebhankini. Eyona yangaphambili yeyona ndlela ixhaphakileyo yokwenza oko.
Ukuba ufuna ukwakha ubulungisa ngokukhawuleza, unokuhlawula imali mboleko yakho, oko kuthetha ukwenza intlawulo eyongezelelweyo kwimali mboleko yakho eyintloko, ngokwe Ibhanki . Ukongeza, oku konga imali ngaphezulu kwexesha elinomdla. Nangona kunjalo, abanye ababolekisi bemali mboleko bohlwaya intlawulo zaphambi kwexesha, ke qiniseka ukuba ujonga ukuprinta okuhle.
4. Kutheni kubalulekile ukulingana?
Okokuqala, uninzi lwababolekisi beendawo zokuhlala zifuna ukuba uhlawule iipesenti ezingama-20 kwimali yendlu yakho entsha xa uyithengile ngendlela yokubhatala. Ababoleki abanamalungelo angaphantsi kweepesenti ezingama-20 kwiipropathi zabo kufuneka ukuba bafumane i-PMI (i-inshurensi yabucala yemali mboleko), ekhusela umbolekisi kwintlawulo yokungabhatali komboleki kwezi meko zibeka emngciphekweni omkhulu, utshilo uMark A. Hakim, igqwetha I-SSRGA ifemu yomthetho. Intsingiselo, ukuba awukwazi ukuhlawula isixa esikhulu ekhayeni lakho kanye kwi-bat, uthathwa njengethemba eliyingozi, ke umbolekisi ufuna ukhuseleko olongezelelekileyo lokuqinisekisa ukuba abaqineki ukuba awukwazi ukuhlawula.
UHakim wongeza ukuba iindleko ze-PMI ziyongezwa kwaye azibali ukuhlawulwa kwenzala okanye inqununu kwimali mboleko (yiyo loo nto, ayakhi nayiphi na imali) kwaye ngokubanzi inokucelwa ukuba isuswe xa umntu obolekayo efumana ngaphezulu kwe-20. ipesenti yokulingana kwipropathi yabo.
5. Zeziphi ezinye iindlela zokusebenzisa ubulungisa ekhaya?
Xa uhlawule isixa semali-mboleko sakho sendlu kwaye wakha imali efanelekileyo kwikhaya lakho, ungaphinda uyikhuphe loo mali-nokuba uyakuxhasa ngezimali ulungiso-mali okanye utyalomali kushishino lweshishini-nokuba kungokubolekwa kwemali-mboleko yekhaya (kwaziwa njenge ubambiso lwesibini ), umgca wokulingana kwamatyala (HELOC), okanye ukucocwa kwemali ephumayo, ngokwe INerdWallet .
Kwangaphambili, ukuba usenayo imali mboleko, uya kuthi ubhatale intlawulo yesibini yemali mboleko yokulingana ekhaya, ngokwe INerdWallet . Okwangoku, ukuba uthatha isigqibo malunga nokuphuma kwemali ezinkozo, imali mboleko yakho yangoku iya kufakwa kwikota entsha, inzala, kunye nentlawulo yenyanga.
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- Urenta njani kwigumbi elinetyala elibi, ngokukaBanini-mihlaba
- Ezona Zindlu Zangoku Zintle Zefama Kwimarike Okwangoku
- Iikiti ezi-5 ze-A-Isakhelo seNdlu onokuzithenga ungaphantsi kwe- $ 60K
- Indlela endiyifumene ngayo indlu yam eNtsha yokuNuka njengeKhaya
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