Umthetho olungileyo webhontsi kukuba imali-mboleko yakho iyonke kufuneka ibe hayi ngaphezulu kwe-28% yomvuzo wakho wenyanga wangaphambi kwerhafu. Ungakufumana oku ngokuphinda-phinda umvuzo wakho ngama-28, emva koko uyahlule nge-100.
Hereof, Nguwuphi umvuzo owufunayo ukuze uthenge indlu engama-400k? Yeyiphi ingeniso efunekayo kwi-400k yokubambisa? Ukuthenga indlu yeedola ezingama-400,000, ababoleki bafuna imali eyi-55,600 yeedola ukuze babeke ipesenti ezili-10 phantsi. Ngemali-mboleko yeminyaka engama-30, umvuzo wakho wenyanga kufuneka kuba ubuncinane $8200 kwaye iintlawulo zakho zenyanga kwityala elikhoyo kufuneka lingadluli kwi-981 yeedola. (Lo ngumzekelo oqikelelweyo.)
Kufuneka wenze malini ngonyaka ukuze uthenge indlu eyi-500000 yeedola? Kufuneka ndenze malini ukuze ndikwazi ukuthenga indlu eyi-$500,000? Njengomthetho jikelele, intlawulo yakho yokubambisa mayingagqithi kwisinye kwisithathu somvuzo wakho wenyanga. Ke nge-20% yentlawulo ephantsi kwi-mortgage yeminyaka engama-30 kunye ne-4% yenzala, kuya kufuneka ubuncinane $90,000 ngonyaka ngaphambili irhafu.
Ukongeza Ingakanani indlu endinokuyihlawula umvuzo wama-40k? Nangona kunjalo, ukuba yimalini onokufikelela kuyo ixhomekeke kwityala lakho, intlawulo ephantsi kunye nezinye iindleko ezinjengeerhafu kunye ne-inshurensi.
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3. Umthetho we-36%.
Ingeniso epheleleyo | I-28% yoMvuzo opheleleyo weNyanga | I-36% yoMvuzo opheleleyo weNyanga |
---|---|---|
$40,000 | $933 | $1,200 |
$50,000 | $1,167 | $1,500 |
$60,000 | $1,400 | $1,800 |
$80,000 | $1,867 | $2,400 |
• Okt 28, 2021
Yeyiphi imali-mboleko endinokuyifumana kumvuzo we-80k? Umgaqo wegolide ekumiseleni ukuba lingakanani ikhaya onokuthi ulihlawule kukuba lakho Intlawulo yenyanga yokubambisa mayingagqithi kwi-28% yomvuzo wakho wenyanga uwonke (umvuzo wakho phambi kokuba kukhutshwe iirhafu). Umzekelo, ukuba wena neqabane lakho ninomvuzo wonyaka odityanisiweyo we-80,000 yeedola, intlawulo yakho yemali-mboleko akufanele idlule kwi-1,866 yeedola.
Ingakanani indlu endinokuyithenga ukuba ndenza i-36 ngonyaka?
Ukuba wenza i-36,000 yeedola ngonyaka, uya kuba nakho ukuthenga ikhaya iindleko phakathi $144,000 kunye $195,000. Isixa esichanekileyo oya kukwazi ukusihlawula siya kuxhomekeka kumatyala akho, amanqaku ekhredithi, indawo, intlawulo ephantsi, kunye nezinye izinto eziguquguqukayo.
Ingakanani indlu endinokuyihlawula umvuzo wama-70k? Kufuneka uchithe malini kwi-mortgage? NgokukaBrown, kufuneka uchithe phakathi kwama-28% ukuya kuma-36% omvuzo wakho wokugoduka kwintlawulo yakho yezindlu. Ukuba wenza i-70,000 yeedola ngonyaka, imali oyibhatalayo ekhaya, kubandakanya nokutsalwa kwirhafu, iya kuba malunga ne-4,328, XNUMX yeedola.
Yeyiphi imali-mboleko endinokuyifumana kumvuzo wama-60k? Umgaqo oqhelekileyo webhontsi kukuba unako ukuhlawula imali mboleko kabini ukuya ku-2.5 amaxesha omvuzo wakho wonyaka. Leyo yi-$120,000 ukuya kwi-150,000 yemali yokubambisa nge-$60,000.
Yeyiphi indlu endinokuyithenga ngomvuzo wama-70k?
Ingakanani indlu endinokuyifumana kwi-70K yeedola ngonyaka?
umvuzo | $ 70,000 / ngonyaka | $ 70,000 / ngonyaka |
---|---|---|
Ubeka imali phantsi | $15,000 | $40,000 |
Amatyala eNyanga angoku | $250 | $250 |
Ixabiso lemali-mboleko | 3.0% | 3.0% |
Uhlahlo-lwabiwo mali lokuthenga ikhaya | $349,200 | $409,200 |
Dec 3, 2021
Kwakhona Ingakanani indlu endinokuyihlawula umvuzo wama-50k? Umntu owenza i-$50,000 ngonyaka usenokukwazi ukuthenga indlu exabisa naphi na ukusuka $ 180,000 phantse $ 300,000. Kungenxa yokuba umvuzo ayisiyiyo kuphela umahluko emisela ukuba uhlahlo-lwabiwo mali lokuthenga ikhaya. Kuya kufuneka ujonge amanqaku akho etyala, amatyala akhoyo ngoku, amaxabiso obambiso, kunye nezinye izinto ezininzi.
Ingakanani indlu endinokuyifumana xa ndenza i-60000 ngonyaka?
Umgaqo oqhelekileyo webhontsi kukuba unako ukuhlawula imali mboleko kabini ukuya ku-2.5 amaxesha omvuzo wakho wonyaka. Leyo yi-$120,000 ukuya kwi-150,000 yemali yokubambisa nge-$60,000.
Ngaba ndingafumana imali mboleko nge-20k ngonyaka? Ukufaneleka kwi-mortgage xa usenza i-$ 20,000 ngonyaka okanye $30,000 ngonyaka ngokupheleleyo kunokwenzeka. Ngelixa umvuzo wakho udlala indima kwisigqibo sokugqibela somboleki-mboleko, ayikuphela kwento yezemali ejongwa ngumbolekisi.
Ndingayifumana njani indlu engama-300k?
Intlawulo ephantsi: Kufuneka ube nentlawulo ephantsi elingana ne-20% yexabiso lekhaya lakho. Oku kuthetha ukuba ukuhlawula i-$ 300,000 yendlu, uya kuyidinga $60,000. Iindleko zokuvala: Ngokuqhelekileyo, uya kuhlawula malunga ne-3% ukuya kwi-5% yexabiso lekhaya kwiindleko zokuvala. Kwikhaya le-$300,000, uya kufuna i-$9,000 ukuya kwi-15,000 yeedola.
Ndimele ndibeke imali engakanani kwindlu ye-350 yeedola?
A I-10% yokuhlawula sinayo i-$350,000 yasekhaya iya kuba yi-$35,000. Xa ufaka isicelo semali-mboleko yokuthenga indlu, intlawulo ephantsi ligalelo lakho ekuthengeni kwaye imele ubunini bakho bokuqala ekhayeni. Umbolekisi unikezela ngemali eseleyo ukuthenga indawo.
Ndingathenga indlu enamanqaku angama-716 etyala? Ndingayifumana imali mboleko yendlu enamanqaku etyala angama-716? Iti Amanqaku asezantsi etyala amalunga nama-620 kuninzi lwababolekisi abaqhelekileyo, ngoko kufuneka ukwazi ukufaneleka.
Kufuneka wenze malini ukuze ukwazi ukuthenga indlu eyi-$300000? Oku kuthetha ukuba ukuhlawula i-$ 300,000 yendlu, uya kuyidinga $60,000.
Kufuneka ndenze malini ukuze ndithenge indlu ye-$300 K?
Yeyiphi ingeniso efunekayo kwi-300k yokubambisa? + Imali-mboleko eyi-$300k enenzala eyi-4.5% kwiminyaka engama-30 kunye ne-10k yentlawulo ephantsi iya kufuna Ingeniso yonyaka ye- $ 74,581 ukuze ufanelekele ukubolekwa imali.
Ingakanani ingeniso oyifunayo ukuze uthenge indlu eyi-$800000? Kumakhaya akuluhlu lweedola ezingama-800,000, XNUMX, ekuluhlu oluphakathi oluphezulu kwiimarike ezininzi zezindlu, isibali seDollarTimes sicebisa abathengi ukuba bangenise $ 119,371 phambi kwerhafu, uthatha imali-mboleko yeminyaka engama-30 kunye ne-3.25% yenzala. Intlawulo ye-mortgage yenyanga iqikelelwa kwi-2,785 yeedola.
Ngaba ndingakwazi ukuthenga indlu ye-300k?
Intlawulo ephantsi: Kufuneka ube nentlawulo ephantsi elingana ne-20% yexabiso lekhaya lakho. Oku kuthetha ukuba ukuhlawula i-$ 300,000 yendlu, uya kuyidinga $60,000. Iindleko zokuvala: Ngokuqhelekileyo, uya kuhlawula malunga ne-3% ukuya kwi-5% yexabiso lekhaya kwiindleko zokuvala. Kwikhaya le-$300,000, uya kufuna i-$9,000 ukuya kwi-15,000 yeedola.
Ngaba ama-50k ngonyaka akumgangatho ophakathi? Ababhali-manani bathi abakumgangatho ophakathi yingeniso yekhaya phakathi kwe-$25,000 kunye ne-$100,000 ngonyaka. Nantoni na engaphezulu kwe-100,000 yeedola ithathwa ngokuba “ludidi oluphakathi oluphezulu”.
Ingakanani ingeniso endiyidingayo kwi-300k yokubambisa?
YiMvuzo engakanani endiyidingayo kwi-300k ye-Mortgage? Kufuneka wenze $ 92,287 ngonyaka ukuhlawula imali-mboleko ye-300k. Sisekela ingeniso oyidingayo kwi-300k yokubambisa kwintlawulo eyi-24% yomvuzo wakho wenyanga. Kwimeko yakho, umvuzo wakho wenyanga kufuneka ube malunga ne-7,691 yeedola.
Yeyiphi imali-mboleko endinokuthi ndiyihlawule kumvuzo wama-75k? Ndenza i-$75,000 ngonyaka. Ingakanani indlu endinokuyithenga? Unakho ukufikelela ine $255,000 indlu.
Ndifanele ukwenza malini ukuthenga indlu engama-300k?
Oku kuthetha ukuba ukufumana indlu eyi-$300,000, uya kuyidinga $60,000.
Ingakanani indlu endinokuyifumana xa ndenza i-70000? Kufuneka uchithe malini kwi-mortgage? NgokukaBrown, kufuneka uchithe phakathi kwama-28% ukuya kuma-36% omvuzo wakho wokugoduka kwintlawulo yakho yezindlu. Ukuba wenza i-70,000 yeedola ngonyaka, imali oyibhatalayo ekhaya, kubandakanya nokutsalwa kwirhafu, iya kuba malunga ne-4,328, XNUMX yeedola.
Ngaba ndingathenga indlu enengeniso ye-25k?
I-HUD, imibutho engenzi nzuzo, kunye nababolekisi babucala banokubonelela ngeendlela ezongezelelweyo zokuba ngumninimzi kubantu abenza imali engaphantsi kwe-25,000 yeedola ngonyaka ngoncedo lwentlawulo ephantsi, iinketho zokurenta, kunye neenketho zemali-mboleko yobunini.
Ndingathenga indlu ene-30k phantsi?
Imali mboleko yakho iyakuba ngama-95% exabiso lokuthenga, ke ukuba usebenzise yonke imali yakho kwintlawulo ephantsi, unokuthenga ipropathi eyi-$600,000. Ngentlawulo ephantsi ye-30,000 yeedola, uya kuba nemali mboleko $570,000. Amaxabiso emali-mboleko ephezulu asephantsi kakhulu (ngaphantsi kwe-4%), kodwa ulindele ukuhlawula amanqaku esaphulelo.
Ngaba i-100k yanele ukuthenga indlu? I-100,000 yeedola inokukufaka kuyo ikhaya elixabisa kufutshane ne-1 yezigidi zeedola ukuba unengeniso eyaneleyo ukuba ufaneleke. Imali-mboleko endiyichazile ngasentla yimali-mboleko "engangqinelaniyo". Oku kuthetha ukuba uFannie Mae okanye uFreddie Mac akayi kuyithenga ngenxa yobukhulu bayo.