Ingabonakala njengeXesha elilunge ngokwenyani lokuthenga indlu ngoku. Kodwa Nantsi Into Ofanele Uyazi

Fumana Inombolo Yakho Yengelosi

Kwixesha likaxakeka elijolise ekuvuseleleni uqoqosho oluhlaselwe sisifo secoronavirus, iFederal Reserve isike uphawu lwayo inzala ukuya phantse kwi-zero , ezinokuthi zingenise nexabiso eliphantsi lenzala kwiibambiso.



Ngaba oko kuthetha ukuba wena — umntu oza kuthenga okokuqala ekhaya — ngaba ufanele ulixhakamfule eli thuba lokuthenga indlu? Impendulo emfutshane: Qhubeka ngononophelo. Kuninzi okudlalelayo kuqoqosho ngoku, iingcali zithi, kwaye akufuneki uzive unyanzelekile ukuba wenze ukuzibophelela okukhulu kwezemali, ngakumbi ukuba awuqinisekanga malunga nokhuseleko lwakho lomsebenzi njengoko ubhubhane we-COVID-19 ubumba ubomi baseMelika kwakhona.



Ngokuqinisekileyo ayililo ithuba lokuthenga kanye, utshilo u-Holden Lewis, ingcali yekhaya kunye nezezindlu INerdWallet . Kuza kuhlala kukho amakhaya okuthenga. Kungcono ukuthenga xa wena buqu kwaye ukulungele ukuhlala phantsi. Sukuthenga indlu ngoku, kuba amazinga obambiso aphantsi.



Ke, ukuphefumla okunzulu. Awudingi ukuba ube ne-FOMO enkulu eMnyama ngolwe-Sihlanu ukuba ubhobokiswa ngolwazi malunga nenqanaba lenzala ukuba liphantsi kakhulu, ukanti awunakukwazi ukuzinikezela kwisigqibo esona sikhulu kwezobomi bakho. Nangona kunjalo, ukuba ukhuselekile ngokwezezimali kunye neakhawunti yokonga esempilweni enokuthi ibhekane noqhwithela lwezezimali (kwaye enkulu, ngelo xesha), ukuthenga ikhaya ngoku kunokuba luncedo.

U-Andrina Valdes, inkokheli yokuthengisa elawulayo kunye ne-CEO ye-30 ICornerstone Home Lending, Inc. . Izinga eliphantsi lokubolekwa kwemali mboleko, isezantsi intlawulo yanyanga mboleko kulindeleke ukuba ibe yiyo. Ke, nabani na ocingweni kwaye ocinga ngokuthenga ikhaya angazuza ngokwenene ngoku ngokuthenga ngexabiso eliphantsi.



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Nantsi enye into ekufuneka uyazi malunga nokuthenga indlu kwimeko yanamhlanje engazange ibonwe.

Ukuhla kumazinga enzala ngoku

Izinto zokuqala kuqala: Abathengi basekhaya abava i-buzz malunga ne-0 ukuya kwi-0.25 yeepesenti yenqanaba lenzala kufuneka bazi ukuba inzala yemali mboleko ngekhe iphantsi . Endaweni yoko, iqondo lemali yomdibaniso liqondo elihlawulwa ziibhanki ukuboleka imali ubusuku bonke, kwaye iifidi zilinqumle elo nqanaba kabini kwiiveki ezimbini ezidlulileyo kumzamo wokukhuthaza uqoqosho. Ireyithi yemali yomdibaniso, nangona kunjalo, iyabachaphazela abathengi, nayo, kuba iibhanki zihlala zandisa amaxabiso asezantsi, anokwenza ukuboleka okungabizi kakhulu kuyo yonke into ukusuka kwimali mboleko ukuya kwimali mboleko yomfundi ukuya kumakhadi etyala.

Nangona kunjalo, amaxabiso obambiso asele ekho, kwaye kufutshane, kwimbali esezantsi. Abanini bamakhaya abakhoyo ngoku baxhamle kula maxabiso asezantsi, izikhukhula zababolekisi ngezicelo zokucoca. Njengababolekisi besebenza ngokudodobala kwezo zicelo, iminyaka engama-30 yemali-mboleko yemali esisigxina inyukile ukusuka kwiveki ephelileyo, ngokusho UFreddie Mac . Inkqubo exhaswa ngurhulumente yemali mboleko ka-Matshi 12 ingxelo ibonisa i-30 yeminyaka ehleliweyo yemali mboleko kwi-3.36 yeepesenti, eyi-0.07 ukusukela kwiveki ephelileyo, kodwa iphantsi phantse ipesenti ukusuka kunyaka ophelileyo.



Masenze izibalo, nangenxa yokulula, hayi ukubeka iindleko njenge-Inshurensi yabucala yokuBambisa okanye irhafu (kuya kufuneka wenze uhlahlo-lwabiwo lwezo ndleko zibalulekileyo, kodwa ngaphezulu koko kamva). Ukuba uneminyaka engama-30 yemali ebekiweyo kwi-3.36 yeepesenti kwimali mboleko eyi- $ 300,000, intlawulo yakho yenyanga iya kuba yi- $ 1,324. Ukuba amaxabiso ebeyipesenti enye ephezulu, kwiipesenti ezingama-4.36, ukuhlawulwa kwakho ngenyanga kwimali mboleko efanayo bekuya kuba yi- $ 1,495, okanye i-171 yeedola ngaphezulu.

Kukho enye into abathengi bokuqala basekhaya abanokuyijonga: Iirhafu ozibona kwiindaba zisenokungabi liqondo elithile olifaneleyo, utshilo uGuy Troxler, igosa eliyintloko lemali mboleko Amaziko eMali-mboleko yeFedHome .

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Izinto ezininzi zinokuchaphazela inzala yakho ethile, njengekhredithi yakho, umvuzo, uhlobo lwekhaya olithengayo, kunye nobungakanani bentlawulo yakho esezantsi, utshilo. Ke, nangona inzala yeminyaka engama-30 yemali ebekiweyo ikwiipesenti ezingama-3.36 ngoku, usenokungakulungeli ukufikelela kwinqanaba eliphantsi.

UPatrick Boyaggi, i-CEO yendawo yentengiso yemali mboleko Uphezulu , uyacacisa ukuba, ewe, ngelixa inzala iphantsi, imigangatho yokubhaliswa kwemali mboleko ihlala iphezulu kwaye kwezinye iimeko ziyaqina, ngakumbi abathengi bekhaya bokuqala . Konke oku kwenza kube nzima ukukhusela imali efunekayo ukuthenga ikhaya.

lithetha ntoni 10 10
Thumela umfanekiso Gcina Ncamathisela Bona eminye imifanekiso

Ityala: IBreno Assis / Unsplash

Ukuthenga indlu ngexesha lokwehla kwezentlalo

Omnye umceli mngeni kubathengi bokuqala bekhaya abanokufumana uluhlu olusezantsi, ngakumbi kwintengiso yasekhaya. Kwelinye icala, amaxabiso aphantsi enza intlawulo ifikeleleke ngakumbi, kodwa amakhaya ambalwa kwimarike anokubangela ukuba amaxabiso asekhaya abe phezulu kunesiqhelo, utsho umthengisi UMark Brace kunye neZindlu zaBantu abaXhomekeke eBrkshire Hathaway eMichigan.

Nangona kunjalo abantu abaninzi bephambuka ekuhlaleni kunye nokuzimela bodwa ngexesha lokuqhambuka kwe-coronavirus, iintlanganiso ezinjengezindlu ezivulekileyo kunye nemiboniso ziya kuncipha rhoqo. Abo bangadingi ukuthengisa amakhaya abo kwangoko bangazithatha iipropathi zabo kwintengiso okwethutyana kwaye babone ukuba kwenzeka ntoni, ngelixa abo bafuna ukuthengisa kwangoko banokuwisa amaxabiso, balindele UChristina Leavenworth , Umrhwebi eFlorida.

Oku akuyi kuchaphazela kuphela amaxabiso asekhaya, kodwa kunokuvela kwimarike yerente yeholide. Ukuba abahambi bayaqhubeka nokucima izicwangciso zabo, abanini beeholide zokurenta izindlu banokuba nexesha elinzima lokugcina iindleko zabo kwaye sinokubona loo makhaya efika kwimarike ngamaxabiso asezantsi, utshilo uLeavenworth.

Ukuba amaxabiso ayehla, ngokudibeneyo nerekhodi yamazinga enzala asezantsi, isenokuba lelo thuba lokuthenga kanye ebomini, utshilo. Kodwa ngoku, ngumdlalo nje wokulinda.

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Kwaye ukuba inani elikhulu labathengi likubeka ekuzingeleni indlu iinyanga ezimbalwa, kuyakwenza ukuba lo nyaka ube uxakekile intengiso yasentwasahlobo ngaphantsi kukhuphiswano ngokubanzi. Lo ngomnye umqondiso wethamsanqa kwabo baceba ukuhlala ekhosini.

Ukuvavanya uzinzo kwezemali

Ubhubhane we-coronavirus ngokungathandabuzekiyo ubangele uxinzelelo lwezezimali, ngaphezulu kwesiqingatha semisebenzi yaseMelika kumngcipheko ophezulu okanye ophakathi, ngokweNgxelo yeMoody Analytics icatshulwe yi-CNN . Abantu baseMelika bakhathazekile malunga nokuncitshiswa kweeyure, ukudendwa, kunye neenkampani zabo ukuvala ngokupheleleyo.

Ukungaqiniseki kweemarike zezemali kuyinto enegalelo kumanqanaba obambiso asezantsi esiwabonayo, utshilo uTroxler.

Kungenzeka ukuba amazinga emali-mboleko azokunyuka xa ukungaqiniseki ngalo bhubhane kudlulile, utshilo. Umzekelo, emva kokuba iyeza lokuphuhlisa iyeza okanye emva kokuthintela okanye ukunyanga iiprotokholi zibonisiwe zisebenza.

Xa kufikwa kwintlawulo ezantsi, uBoyaggi uthi abathengi okungenani beepesenti ezili-10 ezantsi bakwisimo esihle sokucinga ngokuthenga indlu.

Intsingiselo yokomoya ye-1010

Nangona kunjalo, ukuba ucwangcisa ukusebenzisa inkqubo yemali mboleko ephantsi, unokufuna ukulinda ukuze ubone ukuba intengiso yezindlu ichaphazeleka njani yi-COVID-19, utshilo. Ukuba ubeka kuphela iipesenti ezi-3 ezantsi kwaye amaxabiso ezindlu ehla ngaphezulu kwepesenti ezintathu, unokuzifumana ungaphantsi kwamanzi. Ukuba uthenga ikhaya lakho ixesha elide- i-10-kunye neminyaka-nangona kunjalo, amaxabiso exabiso elifutshane asekhaya ayabi yinto.

Nokuba unayo imeko yokhuseleko lomsebenzi phakathi kobhubhane kunye nentlawulo enkulu esezantsi ekulungeleni, kukho izinto ezithile oya kufuna ukuzijonga xa unesisindo ukuba ngoku lelona xesha lililo lokuthenga. Ngokubanzi, iindleko zezindlu-ezingabandakanyi nje kuphela indlu yakho, kodwa iirhafu, i-inshurensi, izixhobo, imirhumo yolondolozo, iimanyano zabanini bamakhaya-akufuneki idlule ngaphezulu kweepesenti ezingama-35 zomvuzo wakho wokugoduka ukuze uzive wonwabile ngokwezemali, itsho iqinisekisiwe. IsiCwangciso soBuchule UCynthia Meyer .

Ukuba unekhredithi elungileyo, amathuba okubolekwa kwemali mboleko uza kukulungela ukuboleka ngakumbi, kodwa oko akuthethi ukuba kuya kufuneka uboleke imali eninzi, utshilo.

Enye ingcebiso evela kuMeyer: Cinga ukubiwa kwendlu Ngokuthenga ipropathi encinci, eneentsapho ezininzi, ukuhlala kwiyunithi enye kunye nokuqeshisa okuseleyo. Unokuqesha igumbi elisecaleni kwikhaya lakho elitsha okanye kwikhondomu, enokuba lula kubathengi abangenabo abantwana, kwaye ingeniso eyongezelelweyo iya kunceda ukuhlawula imali mboleko yakho kwaye ikunike omnye umthombo wengeniso ngexesha lokudodobala koqoqosho.

Ukuziva uzithembile kwisigqibo sakho, kungangcono ungathethi nje kuphela nombolekisi, kodwa uphinde usebenze nomcwangcisi wezemali ukumisela ukuba ukuthenga indlu ngoku kunengqiqo kwezemali kwisikhundla sakho esikhethekileyo.

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