Yeyiphi ingeniso efunekayo kwi-200k yokubambisa? Ukuze uvunywe kwi-mortgage yee-$200,000 kunye nentlawulo encinci ye-3.5 yepesenti, uya kufuna umvuzo oqikelelweyo we $ 62,000 ngonyaka. (Lo ngumzekelo oqikelelweyo.)
Ndingayihlawula njani imali-mboleko yam engama-250k kwiminyaka emi-5? Uyihlawula njani imali yakho yokubolekwa imali kwiminyaka emi-5 (okanye ngaphantsi!)
- Yenza uhlahlo lwabiwo-mali lwenyanga. …
- Thenga ikhaya onokuthi ufikelele kulo. …
- Beka Phantsi Intlawulo enkulu. …
- Yehlisa Kwikhaya Elincinci. …
- Hlawula Amanye Amatyala Akho Kuqala. …
- Phila Ngaphantsi Kunokuba Wenze (phila nge-50% yomvuzo) ...
- Thatha isigqibo sokuba iRefinance ikulungele na.
Ngaba ndingathenga indlu eyenza i-30k ngonyaka? Ukufaneleka kwi-mortgage xa usenza i-$ 20,000 ngonyaka okanye i-$ 30,000 unyaka unokwenzeka ngokupheleleyo. Ngelixa umvuzo wakho udlala indima kwisigqibo sokugqibela somboleki-mboleko, ayikuphela kwento yezemali ejongwa ngumbolekisi.
Ukongeza ndingathenga indlu eyenza i-40k ngonyaka? Ngelixa abathengi basenokufuna ukuhlawula ityala, gcina imali kwaye bafanelekele ukubolekwa imali, eyona nto iphambili kukuba ukuthenga ikhaya. kumvuzo wodidi oluphakathi kusenokwenzeka - kwezinye iindawo. Apha ngezantsi, jonga izixeko ezili-15 apho unokuba ngumninikhaya ngelixa ufumana i-40,000 yeedola ngonyaka okanye ngaphantsi.
Yeyiphi imali yokubambisa endinokuyifumana ngomvuzo wam? Umgaqo jikelele kukuba unako ukuhlawula i-mortgage leyo 2x ukuya ku-2.5x umvuzo wakho uwonke. Iintlawulo zenyanga zizonke zenziwa ngamacandelo amane: inqununu, inzala, iirhafu, kunye ne-inshurensi (eyaziwa ngokuba yi-PITI).
Ngaba kububulumko ukuhlawula indlu yakho kwangethuba?
Ukuhlawula imali-mboleko yakho kwangoko kunokuba njalo imali yobulumko shukuma. Uya kuba nemali eninzi yokudlala ngayo nyanga nganye xa ungasahlawuli, kwaye uya konga imali yenzala. … Unokuba ngcono xa ujonge kwelinye ityala okanye utyala imali endaweni yoko.
Ngaba kububulumko ukuhlawula indlu yakho? Ukuhlawula imali mboleko yakho kwangoko kukhulula loo mali yexesha elizayo kwezinye izinto. Ngelixa kuyinyani ungaphulukana nokutsalwa kwerhafu kwinzala yemali-mboleko, usenokonga isixa esikhulu ekuhlawuleni ityala.
Ndingayihlawula njani indlu yam kwiminyaka eyi-10? Iingcebiso zeNgcali zokuhlawula iMali-mboleko yakho kwiminyaka eyi-10 okanye ngaphantsi
- Thenga ikhaya onokuthi ube nalo. …
- Qonda kwaye usebenzise iindawo zokubambisa. …
- Hlukanisa amanani. …
- Hlawula amanye amatyala akho. …
- Hlawula ngaphezulu. …
- Yenza iintlawulo ezimbini ngeveki. …
- Yonga. …
- Betha inqununu kwangoko.
Ngaba ndingathenga indlu ukuba ndenza i-25k ngonyaka?
HUD, imibutho engenzi nzuzo, kunye nababolekisi babucala banokubonelela ngeendlela ezongezelelweyo zokuba ngumninimzi kubantu abenza ngaphantsi kweedola ezingama-25,000 ngonyaka ngoncedo lwentlawulo ephantsi, iinketho zokurenta, kunye neenketho zemali-mboleko yobunini.
Kwakhona Ngaba i-mortgage iphinda-phindwe ka-3 umvuzo wakho? Ngaba i-mortgage iphinda-phindwe kathathu umvuzo wakho? Akunjalo. … Uninzi lwababolekisi banikezela ngemboleko-mali yokubambisa ngokusekwe kumaxesha angama-3-4.5 engeniso yabo, kodwa abanye baya phezulu kunoko, phantsi kweemeko ezifanelekileyo. Unokufunda ngakumbi malunga noku kwisikhokelo sethu sokuphindaphinda ingeniso.
Uthini umyinge wentlawulo yokubambisa?
I-State-by-State-Avareji yeeNtlawulo ze-Mortgage
imeko | Intlawulo yeNyanga ephakathi | I-Avareji yeMali yoMboleko-mali |
---|---|---|
California | $2,282 | $371,981 |
Colorado | $1,681 | $273,718 |
Connecticut | $2,096 | $224,336 |
Delaware | $1,563 | $190,846 |
• Nge-19 kaNovemba 2021
Ngaba ndingathenga indlu eyenza i-25k ngonyaka? HUD, imibutho engenzi nzuzo, kunye nababolekisi babucala banokubonelela ngeendlela ezongezelelweyo zokuba ngumninimzi kubantu abenza ngaphantsi kweedola ezingama-25,000 ngonyaka ngoncedo lwentlawulo ephantsi, iinketho zokurenta, kunye neenketho zemali-mboleko yobunini.
Ingakanani ingeniso efunekayo ukuthenga indlu?
Oko kuquka inqununu, inzala, irhafu yepropathi, i-inshurensi yabaninimzi, kunye ne-inshurensi yokubambisa yabucala (PMI). Ngenxa yokuba i-FHA ivumela kuphela ityala lakho lendlu ukuba lihlawule i-31% yomvuzo wakho, umvuzo wakho werhafu kufuneka ube ubuncinane be-$ 7,940 ngenyanga kwaye $ 95,283 ngonyaka ukuthenga indlu $374,900.
Ngaba i-30k yanele ukuthenga indlu?
Okumangalisayo kukuba, EWE! Iyakuba kufutshane, kodwa kunokwenzeka ngengeniso eyaneleyo kunye nekhredithi elungileyo. Nangona ixabiso lasekhaya eliphakathi malunga ne-Bay Area limalunga ne-$ 1M kwaye lihlala lifuna i-$ 200K kwintlawulo ephantsi, kusekho izindlu ezininzi ezilungileyo zosapho olulodwa kuMzantsi Bay, kwaye ngakumbi iSan Jose, engaphantsi kwe-600K yeedola.
Ndidinga malini ukuze ndifumane imali yokubambisa nge-200 yase-UK? Kufuneka ndifumane malini ukuze ndifumane imali yokubambisa nge-£000? Kwiimeko ezininzi, ababoneleli bemali-mboleko bavala oko bazimisele ukukuboleka kuyo 4.5x umvuzo wakho wonyaka. Kwezinye iimeko oku kuya kudlula kwi-5x umvuzo wakho kunye nencinci ukuya kwi-6x - kwiimeko ezizodwa.
Ingakanani indlu endinokuyifumana kumvuzo wama-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.
Kufuneka ndenze malini ukuze ndithenge indlu ye-300k?
Oku kuthetha ukuba ukufumana indlu eyi-$300,000, uya kuyidinga $60,000.
Kwenzeka ntoni ukuba ndihlawula i-$ 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.
Yeyiphi iavareji yobudala bokungabinamali yokubambisa?
Ngelixa i-avareji yobudala ababoleki balindele ukuhlawula imali-mboleko yabo 59, inani labathathi-nxaxheba besaveyi abangenalo nofifi lokuba baya kuyihlawula nini na kwaphela bemi kwi-16%. Ngo-2019, i-9% yabo babuzwayo bebengazi kwaye ngo-2020, i-11% inike le mpendulo.
Kwenzeka ntoni ukuba ndihlawula i-1000 yeedola eyongezelelweyo ngenyanga kwi-mortgage yam? Ukuhlawula i-$ 1,000 eyongezelelweyo ngenyanga gcina umninimzi i-320,000 yeedola kwinzala kwaye uphantse unqumle ixesha lokubambisa ngesiqingatha. Ukuchaneka ngakumbi, iya kucheba phantse iminyaka eli-12 enesiqingatha kwithuba lemali-mboleko. Isiphumo likhaya elisimahla kwaye licace ngokukhawuleza okukhulu, kunye nogcino olukhulu olungafane lubethwe.
Indlu yam kufuneka ihlawulwe ikwiminyaka emingaphi?
"Ukuba ufuna ukufumana inkululeko yezemali, kufuneka uthathe umhlala-phantsi onke amatyala - kwaye ewe oko kubandakanya imali yakho yokubambisa," umbhali ngezemali kunye nomququzeleli we-ABC's "Shark Tank" uxelela i-CNBC Yenze. Kuya kufuneka ujonge ukuba yonke into ihlawulwe, ukusuka kwimali mboleko yabafundi ukuya kwityala lekhadi letyala, ngeminyaka ye45, utshilo u-O'Leary.
Kutheni ungahlawuleli indlu yakho kwangethuba? Ukuhlawula imali mboleko kwangoko inokukhulula ukuhamba kwemali kwaye igcine imali eninzi kwiintlawulo zenzala. Kodwa abatyali-mali akufuneki bajonge imali yabo yokuboleka imali kwindawo engenanto. Ukubeka imali eyongezelelweyo kwi-mortgage kunokubonwa njengenxalenye yesicwangciso sotyalo-mali ngokubanzi.
Ngaba ukuhlawula imali mboleko kwangoko kuyawachaphazela amanqaku etyala?
Ukuba uyazibuza ukuba kungakanani ukuhlawula imali yakho yokubolekwa kwangaphambili kuchaphazela amanqaku akho ekhredithi, impendulo ithi: hayi kakhulu. … Nje ukuba imali-mboleko yakho ihlawulwe ngokupheleleyo (sivuyisana nawe, mnini-mzi!), ibonakala kwingxelo yetyala lakho njenge-akhawunti evaliweyo ekwimeko entle—ucinga ukuba ubusenza iintlawulo ngexesha.