Ukusebenzisa i-mortgage njengemali mboleko yemoto
Akungcono yini ukusebenzisa imali yokuthenga indlu ukuze uthenge imoto?
Ngenxa yokuthi amanani emali ebolekiwe avame ukuba ngaphansi kunemali yemoto, ungase uzibuze ukuthi ungasebenzisa kanjani imali yakho yokubolekwa kwempahla ukuthenga imoto.
• Dweba kabusha
• Ukuxhasa ngezimali kabusha
Ukukhipha kabusha kusuka kwi-mortgage yakho
Uma uqhubeka nezinkokhelo zakho ze-mortgage, kungenzeka ukuthi usuqongelele "i-stash" ongayisebenzisela ukukhokhela ukuthenga kwakho imoto. Kukhona kokubili okuhle nokubi okufanele kucatshangelwe ngaphambi kokwenza lokhu.
Плюсы
Okulula. Ngokusebenzisa imali yakho yekhaya, usazoba nenkokhelo eyodwa evamile yemalimboleko, hhayi ezimbili.
Isivinini - Kuya ngomboleki wakho, ukudwetshwa kabusha kungahlelwa ngokushesha okukhulu. Ngokungafani nokuthola imali ebolekiwe kusukela ekuqaleni, ngeke udinge ukuthi uqinisekise imali engenayo noma uthole amasheke esikweletu.
Ukukwazi ukukhokhela - Uma ungeke ukwazi ukubekela eceleni imali eyengeziwe ukuze ukhokhe imali oyibolekile njengamanje (ngokwesibonelo, uma umndeni wakho wehlise imali engenayo kwaba eyodwa), ukusebenzisa kabusha isikweletu sendlu kungakunikeza ithuba lokuthenga imoto ngaphandle kokukhuphula imali yakho. imali engenayo. ubuncane bezinkokhelo zemalimboleko.
Минусы
Inani. Nakuba izinga lenzalo lingase libe phansi, ubukhulu besikweletu kanye nomthelela wenzalo ehlanganisiwe ngokuhamba kwesikhathi kusho ukuthi ungase ukhokhe inzalo eyengeziwe ngokuxhasa imoto yakho nge-mortgage.
Nokho, le nzalo eyengeziwe ingaxazululwa ngezinkokhelo ezengeziwe.
Bheka isibonelo esingezansi ukuze uthole umdwebo wokuthi lokhu kusebenza kanjani.
Ukulandelela
Uma ufuna ukuhlukanisa izindleko zakho ukuze ukwazi ukukhetha ukuthi ukhokha ini nokuthi nini, ukwengeza izindleko ezintsha emalini yakho ebolekiwe kuzokhawulela lokhu.
Isibonelo:
Ithebula elingezansi libonisa isiqhathaniso esilula semali mboleko yezimoto (kanye nezindleko ze-mortgage ekhona) uma kuqhathaniswa ne-mortgage refinance. Lokhu kwenziwa kusetshenziswa umshini wokubala wokukhokha imali mboleko.
Dweba kabusha A: Ngemuva kokuthi izimali sezikhishiwe kabusha ukuze kuthengwe imoto, yizinkokhelo ezincane kuphela ezenziwa kwi-mortgage. Izindleko ezengeziwe zemoto, ezingakhokhiswa noma yiziphi izinkokhelo ezengeziwe, ziphumela ekwengezeni imali engu-$11,500 yenani lenzalo yemali mboleko phakathi neminyaka engu-20 esele yemali mboleko.
Dweba kabusha B: Ngokwandisa izinkokhelo zemali mboleko yezindlu ngemuva kokusebenzisa imali ngokweqile, ungagwema ukukhokha inzalo enkulu kuyo yonke impilo yemali mboleko.
Ezinye izinto okufanele uzicabangele
• Umbolekisi wakho angase akhokhise imali yokuphinda uyiboleke (ngokuvamile ebiza nje kuphela), abeke inani elincane lokuphinda abolekise, noma abonise ukuthi unenani elincane lokulingana ekhaya lakho (isb. 20%).
• Uma ungakaxoxi kabusha nge-mortgage yakho, kungase kudingeke ubhalise noma umise ukugunyazwa.
Ukuxhasa kabusha i-mortgage yakho
Uma wephuzile emalini yakho ebolekiwe futhi ungenayo imali yokubuyisela kabusha, ungakhuluma nombolekisi wakho okhona noma omusha mayelana nokubuyisela imali yakho ye-mortgage ukuze ufinyelele izimali ozidingayo ukuze uthenge imoto.
Cishe kuzothatha isikhathi eside ukuhlela kunokudweba kabusha. Isimo sakho sezezimali sizobuyekezwa, okuhlanganisa nenani lomuzi wakho uma kuqhathaniswa nenani ofuna ukuliboleka. Lokhu kungafaka nokuhlolwa kwendawo okwenziwa umhloli wezincwadi.
Плюсы
• Indlela yokuxhasa ngezimali kabusha ingaguquguquka, njengokwehlisa inani lokubuyisela ngokwelula isikhathi semali mboleko (kodwa lokhu kungase kwenyuse inani lenzalo lilonke).
• Kuye ngemalimboleko yakho (nokuthi uyithole kudala kangakanani), ungase futhi uthole inani lenzalo eliphansi noma izici ezingcono kakhulu emikhiqizweni yamanje.
Минусы
• Umbolekisi wakho wendlu angase akukhokhise imali yokubuyisela imali. Ingafika ku-$500, ngakho-ke kufanelekile ukuyihlola kusenesikhathi.
• Ibhalansi yakho yesikweletu izokhuphuka. Uma ubuyisela izinkokhelo ezincane, lokhu ngokuvamile kuholela ekwenyukeni kwesamba senani lenzalo.
Ezinye izinto okufanele uzicabangele
• Abahlinzeki abaningi bezindlu ezibolekiwe banezinhlawulo zokubuyisela imali ebolekiwe eminyakeni yayo yokuqala, ngakho gcina lokhu engqondweni uma ucabanga ukushintsha ababolekisi.
• Kunezinketho eziningi ezahlukene zokukhokha kabusha ezitholakalayo. Zinike isikhathi sokucabangisisa ngezinhloso zakho ukuze wenze isiqiniseko sokuthi ugcina unesixazululo esilungele isimo sakho, hhayi kancane!
• Uma uphinda uboleka imali engaphezu kwesamba sakho sokuqala, intela yesitembu ingasebenza.
ICEBISO: Uma uthenga imoto engakwazi ukusetshenziswa njengesibambiso, ungasebenzisa umuzi wakho njengesibambiso ukuze wehlise izinga lakho lenzalo (nakuba qaphela uma ungazikhokhi!).
