Ithetha Ntoni iMboleko-mali yesiBini?

Fumana Inombolo Yakho Yengelosi

Uya kuhlala uliva ixesha lesibini lokuboleka imali xa ubukele imovie okanye umboniso weTV xa umlinganiswa engekho kwimeko entle yezemali. Kwakufuneka bathathe imali-mboleko yesibini endlwini yabo, umntu ohlebayo uya kuhlebeza, echaza ukuba ubundlobongela babo buwe njani ngamaxesha amabi. Kodwa iimali-mboleko zesibini zifumana i-rap embi-nangona iyingozi, zihlala zisixhobo esihle sokusombulula iingxaki zemali okanye nokuba phambili ngobulumko.



Inkcazo yesibini yemali mboleko:

Ngaphambi kokuba singene kwi-nitty gritty yemali-mboleko yesibini, masifike kwiphepha elinye nokuba yintoni kanye kanye. Imali mboleko yakho yokuqala yimali mboleko enceda ukuxhasa ukuthengwa kwekhaya ukuze kungafuneki ubeke amakhulu amawaka eedola ngaxeshanye (kuba masibeyinyani: Ngubani onolu hlobo lwemali?)



Kodwa ubambiso lwesibini ngokuqinisekileyo likuvumela ukuba uboleke imali kwityala lekhaya lakho. I-equity sisabelo esingaxhaswa ngezimali sexabiso lekhaya lakho, ke ngoku ngokuyintloko wenza imali oyihlawule kwikhaya lakho ukuba isetyenziselwe ezinye izinto. Masithi indlu yakho ixabisa i-250,000 yeedola namhlanje, kwaye unetyala le-150,000, utshilo u-Holden Lewis, INerdWallet 'S ingcali yemboleko ngemali. Thabatha ityala kwixabiso lekhaya kwaye bubulungisa bakho: $ 100,000. Ilungelo lekhaya lakho linokukhula kwaye linciphise ngaphandle kwentlawulo yakho yemali mboleko: Ixabiso elifunyenwe kwimarike eqinileyo yezindlu okanye uphuculo olwenzileyo lunokuguqula ulingano. Oko kwathiwa, ungaphulukana nokulingana ukuba ikhaya lakho lihle ixabiso okanye intengiso yezindlu yengozi.





Nangona kunjalo, awunakuhlala usikhupha sonke isixa semali ekhayeni lakho: Uninzi lwababolekisi bamakhaya balwela ukubamba ityala lilonke (kubo bobabini babambiso) ukuya kwiipesenti ezingama-80 zexabiso lekhaya, okanye ngamanye amaxesha iipesenti ezingama-90, Ucacisa uLewis, ke kulo [mzekelo], ikhaya lixabisa i-250,000 yeedola, kwaye iipesenti ezingama-80 zoko ziyi- $ 200,000. Ukuba ubole i-150,000 yeedola kwimali mboleko ephambili, oko kukunika ukuya kuthi ga kwi-50,000 yeedola onokuboleka kuyo.

Njengobambiso lwakho lokuqala, ikhaya lakho libanjelwe njengesibambiso semali mboleko yakho yesibini. Ukuba uyasilela ekubambiseni imali mboleko yakho, ibhanki inegunya lokuthatha umzi wakho njengentlawulo.



Kutheni uthatha imali mboleko yesibini?

Kulungile, ngoku ukuba uyayiqonda into eyiyo eyona nto ibambekayo, masikhe siphicothe ukuba kutheni ufuna enye. Ngamanye amaxesha, unokuba unayo Ngobundlongondlongo uhlawule imali yakho yobambiso ukonga kwiintlawulo zenzala, kwaye ufuna ukukhulula ezinye iimali oza kuzisebenzisa kwimeko kaxakeka. Kananjalo unokufuna ukwenza uhlaziyo olukhulu ukuze unyuse imali yakho kodwa, kwakhona, awunayo imali ezandleni zakho ukuyifumana. Kwezinye iimeko, kusenokuba sengqiqweni ukusebenzisa ubulungisa kwikhaya lakho ukudibanisa amatyala (aka ahlawule amatyala amaninzi ngenzala ephezulu ngemali mboleko enkulu enkulu enerhafu encinci), ahlawule imfundo, okanye amatyala amakhulu ezonyango. Kwabanye, ukongeza imali mboleko yesibini yeyona ndlela yokufumana ikhaya ngaphandle kweepesenti ezingama-20 zokuhlawula.

Ithetha ntoni i-555?

Iindidi zobambiso lwesibini:

Ngoku, ukuba bekungadideki ngokwaneleyo ukuba kukho imali-mboleko yokuqala neyesibini, eneneni kukho iindidi ezimbini eziphambili zobambiso lwesibini: Imali mboleko yokulingana kwamakhaya kunye nomda wokulingana kwetyala (HELOC). Makhe sithethe ngomahluko:

Imali mboleko yekhaya

Imali mboleko yokulingana ekhaya yimali mboleko yexesha elinye ebonelela ngesixa semali onokuyisebenzisela nantoni na oyifunayo. Ngolo hlobo lwemali mboleko, uya kuyibuyisa imali mboleko ngokuthe ngcembe ngokuhamba kwexesha. Imali mboleko yamashishini asekhaya inenqanaba lesantya lenzala kunye nemali mboleko, kwaye uhlawula imali enye ngenyanga. Ngokusisiseko, basebenza ngokuchanekileyo njengobambiso lwakho lokuqala, nangona kunjalo bahlala benenzala ephezulu kunemali yakho mboleko yokuqala kuba usongeza umngcipheko ngakumbi kwimali-mboleko yakho yasekhaya, uPatrick Boyaggi, CEO we ngxngcngceng.com , utsho.



Umda wokulingana kwetyala ngetyala:

Umgca wokulingana kwekhaya lekhredithi (i-HELOC), ewe, ubulungisa bekhaya lakho bujika baba ngumgca wekhredithi. Nabani na obolekayo uza kuseta umda wokuboleka, kwaye ungaboleka nangona kunjalo nangaliphi na ixesha de ube ufikelele kwelona liphezulu. Kananjalo unokuba ne-HELOC kwaye ungaze uyisebenzise, ​​kodwa ikhona ukuba uyayifuna. Kungenxa yoko le nto imigca yekhredithi ihlala ithelekiswa namakhadi etyala- kwaye zihlala zinamazinga enzala asezantsi kuneplastikhi yakho. Kananjalo abayikhuphi imali, njengemali mboleko yokulingana ekhaya. Nangona kunjalo, ii-HELOCs ziza kunye neerhafu ezinokuhlengahlengiswa, ngenxa yoko iintlawulo zanyanga zonke zinokuphakama okanye zehle, kuxhomekeke kumazinga olondolozo lomdibaniso.

Ngoku ukuba uyayiqonda into eyi-HELOC, nantsi i-doozy: Ukuba ukufutshane kakhulu ekuhlawuleni imali mboleko yakho kwaye ufuna ukukhupha inzala (ukuba uyakhumbula, kuba imali mboleko ihlawulwe, uhlawula inzala ngakumbi ngaphambili Iminyaka engama-30) ungathatha umboleko wesibini ngendlela ye-HELOC, uhlawule imali yakho yokubambisa, emva koko usebenzise i-HELOC njengendawo yakho yokubambisa kwaye unciphise loo nzala. (Ukuba udidekile yile ngcamango, mhlawumbi awukakulungeli ukuyenza okwangoku.)

xa ubona i-333

Ubambiso lwesibini okokuqala kubathengi basekhaya, okanye iimali mboleko ze piggyback:

Kulungile, kulungile, kulungile, nangona oko kunokuba yinto edidayo, nantsi into enokusebenza kuwe: Nangona kuvakala kungaphikisani, abaninimzi ekudala befuna ukusebenzisa ubulungisa ayingobona bantu banesibambiso sesibini. Abathengi bokuqala bekhaya banokukhetha ukuthatha iimali-mboleko ezimbini ngaxeshanye ukuba abanako ukuhlawula iipesenti ezingama-20 zokuhlawula ngaphandle kokuthatha i-PMI. Ezi zihlala zibizwa ngokuba zii piggyback mboleko. Ezi zihlala zinikezelwa njengemali mboleko engama-80/10/10 okanye engama-80/5/15. Oku kuthetha ukuba baboleka iipesenti ezingama-80 zexabiso labo lasekhaya kwimali mboleko yokuqala ngenqanaba elinye elimiselweyo, iipesenti ezili-10 okanye ezi-5 zexabiso labo lasekhaya kwimali mboleko yesibini kunye nenye, inqanaba eliphezulu elimiselweyo, kunye nokubonelela nge-10 okanye kwiipesenti ezili-15 njengobulungisa babo intlawulo yokuhlawula.

Kwezinye iimeko, oku kunokusebenza njengeyona ndlela ilungileyo yezemali kwabanye. Kuba iibhanki zijonga iimali mboleko ngaphezulu kweepesenti ezingama-80 zexabiso lasekhaya njengemali mboleko ephezulu yomngcipheko, zihlala ziza nenqanaba lenzala ephezulu kwaye zifuna i-PMI ngokungafaniyo neepesenti ezingama-20 ezantsi zokuhlawula okanye ngaphezulu. Ubambiso lwemali mboleko yesibini inokunceda ukuthoba le nzala kunye nokulahla i-PMI ngokwaphula imali mboleko enkulu: Endaweni yokuboleka imali eninzi ngenzala ephezulu kakhulu, abanye abantu bafumana imali-mboleko yokuqala ngaphakathi kwemali ehambelana nemali mboleko (zeziphi iiarhente ezinje ngoFannie Mae kunye UFreddie Mac usete) kunye nemali mboleko yesibini yokuhlawula iindleko zemali mboleko eseleyo. Akuqhelekanga ukuba iintlawulo ezidibeneyo zibe ngaphantsi komboleko omnye kunye ne-inshurensi yempahla, u-Boyaggi uthi. Ukongeza, okwangoku, inzala kwimali mboleko yakho yesibini irhafiswa (ngokuxhomekeke kuthintelo lokutsalwa kwenzala), kodwa iintlawulo zeinshurensi yobambiso azikho.

Iingozi:

Xa kuziwa kwinkqubo yesibini yobambiso-nokuba uyisebenzisela ntoni-kubaluleke kakhulu ukukhumbula ukuba ulibeka ngokoqobo ikhaya lakho. Ukongeza, gcinani engqondweni ukuba kuyakufuneka uhlawule iindleko ezininzi zovavanyo lwentsebenzo, itshekhi, njl.njl. .

Ukongeza, cinga malunga nokuba kutheni ufuna enye. Ukuba ufuna ukuthenga iTesla entsha, ukubolekwa kwemali yesibini mhlawumbi ayisiyondlela yokuhamba. Endaweni yoko, zezona zilungileyo zisetyenzisiweyo ukuphucula ubume bemali (ukudibanisa ityala okanye ukuphucula ubulungisa) endaweni yokudala iingxaki ezintsha zemali.

Ewe kunjalo, musa ukusekela izigqibo zakho zemali kweli nqaku: Elona cebiso lililo xa kuziwa ekuqwalaseleni ukuba ngaba ukubambisa ngento yesibini kukulungele na kukuthetha negosa lemali mboleko elaziwayo. Ngelixa sifuna ukukunika lonke ulwazi esinokuthi sikwazi, uluvo lwabo lobuchwephesha lubaluleke kakhulu. Ikwangumbono olungileyo ukuthetha nomlungisi wakho werhafu ngaphambi kokuba uqale ukuthatha imali xa usikhupha (okanye ucwangcisa ukukhupha) imali mboleko yesibini.

Ekupheleni kosuku, ukubambisa ngento yesibini kunokuba yinto efanelekileyo kwabanye abantu. Qiniseka nje ukuba wenza isigqibo esibaliweyo, esifundisiweyo kunye nesobuchwephesha ngaphambi kokuba usayine kumgca ochaziweyo.

U-Anna Buckley

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