Ukunyuka kweendleko zokufunda ekholejini kushiye uninzi, ngakumbi iimillennials, zibotshelelwe lilonke ityala lemali mboleko yomfundi. Ngokomndilili, ziyi- $ 34,504 emngxunyeni, ngokwe-a funda kwiziko lamatyala amava . Ayisiyo kuphela ukubuyisa imali mboleko yomfundi eyenza ukuba kube nzima kwesi sizukulwana ukugcina imali ubeka imali phantsi kwikhaya, kodwa iimali mboleko ezingekahlawulwa zichaphazela umlinganiselo wetyala nengeniso — eyona nto ibalulekileyo kubabolekisi xa bevuma imali mboleko. Isiphumo? Malunga neepesenti ezingama-83 zabanini bamakhaya bacaphula ityala lemali mboleko yomfundi njengeyona nto ibabambayo ekuthengeni amakhaya, ngokwe Umbutho weSizwe weeRealtors .
Ukanti ukuthenga indlu ngemali mboleko yomfundi kunokwenzeka, iingcali zithi. Ubungqina bunamanani, nawo: Iipesenti ezingama-40 zabathengi bokuqala bemakhaya banamatyala emali mboleko yomfundi, ngokutsho kwesifundo se-NAR. Ngelixa ityala lisenza ukuba kube nzima ukutshintsha ukusuka kwirenti kuye kumninikhaya, kunokwenzeka ngokwenene.
Ityala lalo naluphina uhlobo lunokuchaphazela amandla akho okuthenga indlu, kodwa ityala lemali mboleko yomfundi linzima ngakumbi kuba uninzi lwababolekisi banamalungiselelo okubuyisa anokwandisa intlawulo ngaphezulu kweminyaka engama-20, okanye nangaphezulu, utsho uBrittney Castro, umcwangcisi wezemali oqinisekisiweyo Njengoko kwaye Turbo . Intsingiselo, ababoleki abanakulinda nje ukuthenga indlu de baphume ematyaleni, kuba ezo ntlawulo zemboleko zabafundi zihlala ixesha elide.
Ngaphambili, iingcebiso malunga nendlela yokuthenga ikhaya elinamatyala emboleko yomfundi kubo bobabini abacebisi bezezimali nakwabo bakwenzileyo ngaphambili.
Yiba sengqiqweni ngohlahlo-lwabiwo mali
Sukulinda umbolekisi okanye iarhente yokuthengisa izindlu nomhlaba ikuxelele ukuba ungafikelela phi, endaweni yoko sebenzisa uhlahlo-lwabiwo mali lwakho njengomgangatho wento eyiyo kwaye inokufezekiseka kwimeko yakho yezemali, utshilo uCastro, kunye ne-CEO ye Wise Wise Inc. , inkampani yase-Los Angeles esekwe kwisicwangciso sezemali. Ungasebenzisa isibali-mali sobambiso kwi-intanethi ukukunceda uqikelele intlawulo yakho yenyanga kwaye ujonge ukuba ingayichaphazela njani imali yakho. Inkqubo yezemali yobuqu efana Njengoko , eziza kukunceda usete kwaye unamathele kuhlahlo-lwabiwo mali, utshilo.
Kunokuba kukuhenda ukucinga ukuba uhlawula i-1,500 yeedola kwirente unokuhlawula i- $ 1,500 yokubambisa. Kodwa uShannon Clark, umqeqeshi wezemali , ilumkisa ngale nto. Yena nomyeni wakhe babene- $ 60,000 kwityala lemali mboleko yomfundi xa bathatha imali eyi- $ 300,000 yokubolekwa kwemali eSeattle, eWashington kwaye bathi iphantse yasibhanga kuQoqosho Olukhulu.
Cinga ukuba athini amaxabiso okurenta kwindawo yakho xa kuthelekiswa neendleko zobambiso lwakho, iirhafu, i-inshurensi, iifizi ze-HOA kunye nolondolozo, utshilo. Ukuba ngequbuliso awukwazanga ukuhlawula imali mboleko, unganakho ukurenta ikhaya lakho ukuze uhlawule intlawulo? Ukuba impendulo ngu-'hayi, 'cinga kabini ngaphambi kokuthenga. Ukurenta kunokuba ngexabiso eliphantsi kuwe.
UClark, kunye nezinye iingcali zezezimali, bathi kuya kufuneka ukuba ube nengxowa-mali engxamisekileyo yeenyanga ezintandathu igcinwe, ngenxa yoko ngekhe ufune ukuyigqiba ngokupheleleyo imali oyigcinileyo xa usenza intlawulo.
Beka intlawulo yemali mboleko yakho yomfundi kwingxowa mali yokuhlawula ngexesha le-COVID-19
Ngenxa ye-COVID-19, urhulumente wobumbano umise okwethutyana inzala yemali mboleko yomfundi kunye neentlawulo kwiinyanga ezintandathu mboleko zomfundi . Eli ingalixesha elihle lokusebenzisa iintlawulo obuzenza ukugcina intlawulo, utshilo uCastro. Qinisekisa ukuba ungaqala ukubuyisa imali mboleko yakho yomfundi xa iphinda ifanelekile, njengoko intlawulo enye ephosiweyo inokuphazamisa ikhredithi yakho.
Cinga ukuphinda uhlawule imali mboleko yakho yomfundi
Ngelixa amanqaku akho etyala anokukunceda ukuba ubenomyinge ongcono, i umlinganiselo wamatyala ukuya kwingeniso (okanye i-DTI) iya kugqiba ukuba ungakulungela na ukubambisa ngento mboleko. Umyinge wakho wengeniso-mali (i-DTI) umyinge kufuneka ubuncinci ube ngama-43 epesenti okanye ngaphantsi, oko kuthetha ukuba izibophelelo zakho zanyanga zonke akufuneki zidlule kwiipesenti ezingama-43 zengeniso yakho, eyingeniso yakho ngaphambi kokutsalwa kwerhafu. Ukufumana umyinge nokuba usezantsi kunokubangela inzala ephantsi.
Imali mboleko yomfundi yeyona nto iphambili kumyinge we-DTI yakho, uyacacisa uTravis Hornsby, uCFA kunye noMsunguli we Umcwangcisi wemali mboleko yomfundi Umbutho onika abantu izicwangciso zokunceda ukuhlawula iimali-mboleko zabafundi.
Kuxhomekeka kwimeko yakho, ukuphinda uxhase imali mboleko yakho yomfundi kungayinciphisa intlawulo yakho yemali mboleko yomfundi kwaye kuncede ukuphucula umyinge we-DTI, utshilo.
Uya kuba kwindawo efanelekileyo Ukuhlaziya imali mboleko yakho yomfundi ukuba unamanqaku okuthenga ngetyala kuma-600s aphezulu kunye nengeniso ethe chu.
Hlawula ibhalansi yemali mboleko
Ngelixa unganakho ukulungela ukufumana ikhaya eline-DTI yeepesenti ezingama-43 okanye ezantsi, abacebisi abaninzi bezezimali baxelela abathengi babo ukuba mabangathengi ukuba i-DTI yabo ingaphezulu kweepesenti ezingama-38, utshilo uPatrick Boyaggi, i-CEO yemarike yemali mboleko yobambiso Uphezulu . Ngelixa kukho izibonelelo zemali ekuthengeni ikhaya, njengokwakha ubulungisa, ayilulo ukhetho olululo kumntu wonke, uBoyaggi ulumkisa, kwaye unokuba kwimeko entle wakube ulisusile ityala lakho.
Thatha ixesha lokuhlawula loo mali incinci yemali mboleko okanye elinye ityala ngaphambi kokuthatha ityala elikhulu lokuthenga indlu, u-Castro ucebisa njalo. Ixabiso elisezantsi letyala, ngaphambi kokuthenga, linokuthetha ukonyuka kwinqanaba lakho lokuthenga ngetyala kwaye likuncede ufanelekele elona zinga liphezulu lemali mboleko mboleko, utshilo.
Ngokufanelekileyo, ukukunika awona manqaku aphezulu okuthenga ngetyala, akho Ukusetyenziswa kwekhadi letyala uhlala phantsi kweepesenti ezingama-30.
Yenza ulungelelwaniso
Ngelixa uhlahlo-lwabiwo mali lomntu wonke lohlukile, ukuba ufuna ukuba ngumninikhaya, yeka ukuthatha imali mboleko enkulu yemoto kwimoto ebiza kakhulu okanye ukuhlawula ityala lekhadi letyala emva kokuba uphumelele, ucebisa uBrittany Hovsepian. Yena nomyeni wakhe babenetyala lemali mboleko yomfundi efikelela kwi-36,000 yeedola xa bathenga ikhaya labo lokuqala nge-136,000 yeedola ngo-2016 ngaphandle kwe-Oklahoma City.
IHovsepian, ngoku otyalomali lokuthengisa izindlu nomhlaba kunye Ingcali kubathengi basekhaya , ikwacebisa ukwehlisa ulindelo lwakho kwikhaya lakho lokuqala kwaye unamathele ekujongeni amakhaya ngaphakathi kuluhlu lwamaxabiso akho.
Kuya kufuneka ujonge ukuthenga kwiimarike ezifikelelekayo, kuba ityala lemali mboleko yomfundi liya kwenza ukuba kube nzima ukugcina intlawulo ephantsi, utshilo u-Holden Lewis, ingcali yekhaya kunye ne-mortgage INerdWallet .
Ekugqibeleni, kuya kufuneka uye kwindawo efikeleleke ngakumbi, njengeDallas endaweni yeLos Angeles, utshilo uLewis.
Imali mboleko ye-FHA, inkqubo eyaziwayo yabathengi bexesha lokuqala, ikuvumela ukuba wenze intlawulo ezantsi njengepesenti ye-3.5. Xa uhlawule imali eyi- $ 7,915, ungangena kwikhaya laseDallas, apho Ixabiso lasekhaya eliphakathi li- $ 226,145 , ngokukaZillow. Kodwa, eLos Angeles, apho Ixabiso lasekhaya eliphakathi li- $ 752,508 , uya kufuna i $ 26,337 yokuhlawula phantsi.
Ke, ngelixa iimali mboleko zabafundi ngokuqinisekileyo ingumqobo kubanini bamakhaya, kusenokwenzeka ukuba ubenemali mboleko yokuhlawula ngelixa uhlawula imfundo yakho.
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