Okwangoku, inqanaba lemali mboleko yeminyaka eli-15 yemali mboleko esisigxina inokuba kuluhlu oluphezulu lwe-2% okanye olusezantsi-3%, ngelixa inqanaba elilungileyo leminyaka engama-30 yemali mboleko inokusukela 3-3.5% okanye ngaphezulu. Kuya kufuneka ube nethamsanqa (kunye nomboleki onamandla kakhulu) ukuze ufumane ireyithi emiselweyo yeminyaka engama-30 engaphantsi kwe-3% ngeli xesha.
Hereof, Ngaba .50 ixabisa ukuxhaswa ngemali kwakhona? Xa uhlaziya i-mortgage, inzala esezantsi inokucutha intlawulo yakho kwaye ikugcinele imali kwimali mboleko yakho yendlu. Ukucofa amanani, sebenzisa isixhobo sokubala sokubambisa. Ngokubanzi, refinancing for 0.5% Kuyavakala kuphela ukuba uya kuhlala ekhayeni lakho ixesha elide ngokwaneleyo ukuba uqhawule iindleko zokuvala.
Liliphi inqaku elilungileyo letyala? Ukuba amanqaku akho etyala aphakathi kwama-725 ukuya kuma-759 kunokwenzeka ukuba athathwe njengelungileyo kakhulu. Inqaku letyala le 760 nangaphezulu ithathwa njengelona nqaku libalaseleyo letyala. Uluhlu lwamanqaku ekhredithi naphi na phakathi kwama-300 ukuya kuma-900. Ukuba phezulu amanqaku akho, kokukhona angcono ukulinganisa kwakho ngetyala.
Ukongeza Ingaba i-3 lizinga lenzala elungileyo yemali mboleko? Nantoni na engaphantsi okanye engaphantsi kwe-3% lizinga elincomekayo lokuboleka imali. Kwaye isezantsi, izinga lakho lemali-mboleko, kokukhona imali eninzi onokuyigcina kubomi bemali-mboleko. … Njengoko ubona, ipesenti enye kuphela inokukongela malunga ne-$50,000 kwintlawulo yenzala yemali-mboleko yakho.
Leliphi ireyithi yemali ephantsi kwezakhe? Kude kube mva nje, u-2016 ubambe elona zinga liphantsi lemali-mboleko yonyaka kwirekhodi elibuyela ku-1971. 3.65%. Amazinga emali-mboleko yehle ngo-2012, xa iveki enye ngoNovemba i-avareji ye-3.31%.
Ngaba ukubuyisela imali kuyonzakalisa ikhredithi?
Ukunika imali kwakhona kuya kwenzakalisa amanqaku akho etyala kancinci ekuqaleni, kodwa inokunceda ekuhambeni kwexesha. Ukubuyisela kwakhona imali kunokuthoba kakhulu isixa setyala lakho kunye/okanye intlawulo yakho yenyanga, kwaye ababolekisi bathanda ukuzibona zombini ezo. Amanqaku akho aya kuthi nkxu amanqaku ambalwa, kodwa anokuphinda abuyele umva kwiinyanga ezimbalwa.
Ngaba kufanelekile ukubuyisela imali kwi-300 yeedola ngenyanga? Ukubuyisela imali kwi-mortgage yakho, ngokubanzi, kufuneka ugcine imali phezu ubomi mboleko ukuba ngokwenene ikufanele oko. … UDiBugnara uyacacisa: “Yithi ekugqibeleni ugcina i-300 yeedola ngenyanga emva kokubuyisela imali, kodwa iindleko zakho zokuvala ziphelele kwi-6,000 yeedola. Apha, ungabuyisa iindleko zakho kwiinyanga ezingama-20.
Ngaba kufanelekile ukubuyisela imali kwi-.3 ekhulwini? Ukubuyisela imali ngokuqhelekileyo kuyafaneleka ukuba unokuthoba inzala yakho ngokwaneleyo ukonga imali inyanga nenyanga kwaye kwixesha elide. Ngokuxhomekeke kwimali mboleko yakho yangoku, ukuthoba ireyithi yakho ngepesenti enye, i-1 yeepesenti, okanye i-0.5 yeepesenti inokwanela ukwenza ukuba irefinancing ixabiseke.
Ndingalinyusa njani ikhredithi yam amanqaku angama-40 ngokukhawuleza?
Yandisa ngokukhawuleza iNqaku lakho leTyala ngamanqaku angama-40
- Soloko usenza iintlawulo zakho zenyanga ngexesha. …
- Yiba nolwazi oluhle oluxelwayo kwingxelo yakho yekhredithi. …
- Kunyanzelekile ukuba uliyeke ngokupheleleyo ityala lekhadi letyala. …
- Into yokugqibela onokuyenza kukujonga ingxelo yakho yetyala ukuze ubone izinto ezingachanekanga.
Kwakhona Kutheni amanqaku am ekhredithi esihla xa ndihlawula ngexesha? Kukho intlawulo ephosiweyo encame kwingxelo yakho
Intlawulo enye efike emva kweentsuku ezingama-30 okanye ngaphezulu ingathumela ukuba amanqaku akho ehle kuba iintlawulo zangexesha yeyona nto inkulu kumanqaku akho etyala. Okubi nakakhulu, iintlawulo zasemva kwexesha zihlala kwingxelo yakho yetyala ukuya kuthi ga kwiminyaka esixhenxe.
Yintoni i-avareji yamanqaku ekhredithi ngokobudala?
Nangona kunjalo, amanqaku aphakathi kwamatyala adla ngokunyuka ngokweminyaka. Ngo-2019, xa umndilili wetyala welizwe lonke wawungama-703, abo bakwimeko yabo Amashumi amabini alinganiselwa kuma-662 , ngelixa abo bangama-60 nangaphezulu babenomlinganiselo wekhredithi ophakathi kwama-749.
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Amanqaku angumndilili weTyala ngokweminyaka yobudala.
ubudala | Amanqaku angumndilili weFICO |
---|---|
50-59 | 706 |
60 + | 749 |
Ngaba inzala iyanyuka ngo-2021? Emva kokuba amaxabiso emali ebolekwayo afikelele ezantsi kangangoko ngoJanuwari walo nyaka, anyuke ngokukhawuleza kwaye aphinde ahlehla asondele ezantsi erekhodi lawo. Kodwa iingcali ezininzi zikuqikelela oko amaxabiso aza kunyuka ekupheleni kuka-2021.
Yintoni intlawulo elungileyo yemali-mboleko?
Injongo yokugcina intlawulo yakho yokubambisa ngaphantsi okanye ngaphantsi kwe-28% yomvuzo wakho wenyanga ngaphambi kwerhafu. Injongo yokugcina iintlawulo zakho zetyala ziphelele okanye ngaphantsi kwe-40% yomvuzo wakho wenyanga ngaphambi kwerhafu. Qaphela ukuba i-40% kufuneka ibe yeyona iphezulu. Sicebisa eyona njongo ingcono kukugcina ityala lilonke liye kwisithathu, okanye i-33%.
Yintoni i-APR elungileyo kwi-mortgage yeminyaka engama-30?
NgoMgqibelo, nge-29 kaJanuwari, ngo-2022 ngokophando lwamva nje lwe-Bankrate lwababolekisi bezindlu ezinkulu besizwe, umndilili weminyaka engama-30 yereyithi yemali-mboleko emiselweyo yi-3.740% kunye ne-APR ye-3.780%. Umyinge weminyaka engama-30 yereyithi yokubuyisela imali yokuthenga izindlu 3.720% nge-APR ye-3.750%.
Ngaba amazinga enzala aya kunyuka ngo-2021? Emva kokuba amaxabiso emali-mboleko ehla kakhulu ngoJanuwari walo nyaka, anyuke ngokukhawuleza kwaye sele ehle umva ngokusondela kwirekhodi esezantsi. Kodwa iingcali ezininzi zikuqikelela oko amaxabiso aza kunyuka ekupheleni kuka-2021.
Yintoni i-APR efanelekileyo kwi-mortgage yeminyaka engama-30? NgoMgqibelo, nge-29 kaJanuwari, ngo-2022 ngokophando lwamva nje lwe-Bankrate lwababolekisi bezindlu ezinkulu besizwe, umndilili weminyaka engama-30 yereyithi yemali-mboleko emiselweyo yi-3.740% kunye ne-APR ye-3.780%. Umyinge weminyaka engama-30 yereyithi yokubuyisela imali yokuthenga izindlu 3.720% nge-APR ye-3.750%.
Yintoni inqanaba lemali-mboleko yeminyaka engama-30 elungileyo?
Namhlanje amaxabiso emali-mboleko yeminyaka engama-30
imveliso | Umgangatho wenzala | APR |
---|---|---|
Ireyithi engama-30 emiselweyo | 3.740% | 3.780% |
I-30-yoNyaka ye-Fixed Rate VA | 3.090% | 3.220% |
Iminyaka engama-30 eZinzileyo-Inqanaba le-FHA | 3.150% | 3.990% |
Iminyaka engama-30 eZinzileyo-Inqanaba leJumbo | 3.740% | 3.800% |
Ngaba ukuhlawulela indlu yam kwakhona kuya kuyithoba intlawulo yam? Ukufumana kwakhona imali kunokunciphisa i-refinancing yakho Intlawulo yemali-mboleko yenyanga ngokunciphisa inzala yakho okanye ngokunyusa ixesha lakho lemali-mboleko. Ukubuyisela kwakhona imali kunokuthoba iindleko zakho zenzala yexesha elide ngexabiso eliphantsi lemali-mboleko, ixesha elifutshane lemali-mboleko okanye zombini.
Ngaba ukubuyisela imali kufuna uvavanyo?
Phantse usoloko ufuna uvavanyo ngaphambi kokuba ugqibezele ukubolekwa kwemali ngokutsha. Nangona kunjalo, umbolekisi wakho unokurhoxisa imeko yovavanyo lwe-refinance ukuba une-FHA, VA okanye i-USDA mboleko.
Kwenzeka ntoni ukuba ndihlawula i-$ 300 eyongezelelweyo ngenyanga kwi-mortgage yam? Ngokongeza i-300 yeedola kwintlawulo yakho yenyanga, uya konga ngaphezulu kweedola ezingama-64,000 kwinzala kwaye uhlawule ikhaya lakho kwiminyaka eli-11 kungekudala. Khawucinge ngomnye umzekelo. Unayo ibhalansi eseleyo ye-350,000 yeedola kwikhaya lakho langoku kwi-30 yeminyaka emiselweyo yokuthenga imali mboleko. Uthatha isigqibo sokunyusa intlawulo yakho yenyanga nge-$ 1,000.
Ngaba ukubuyisela imali kwakhona kulicebo elilungileyo?
Esinye sezona zizathu zilungileyo zokuxhasa ngemali kukuthoba inzala kwimali-mboleko yakho esele ikho. Ngokwembali, umgaqo wesithupha ngulo ukubuyisela imali licebo elilungileyo ukuba unganciphisa inzala yakho ubuncinane nge-2%. Nangona kunjalo, ababolekisi abaninzi bathi i-1% yokonga yanele yinkuthazo yokubuyisela imali.
Kwenzeka ntoni kwi-akhawunti ye-escrow xa uhlawula imali? Xa ukhetha ukubuyisela imali-mboleko, i-akhawunti ye-escrow yokuqala ihlala kwimali mboleko endala. Iimali ze-Escrow, ngelishwa, azikwazi ukudluliselwa kwimali mboleko entsha, nokuba ikunye nombolekisi ofanayo.