“Intlawulo eqhelekileyo ikholisa ukuba phakathi kwe-10% kunye ne-20% yexabiso lilonke. Sine-$ 12,000 yemali mboleko yemoto, iya kuba njalo phakathi kwe- $ 1,200 2,400 kunye ne- $ XNUMX. Xa kufikwa kwintlawulo ephantsi, okukhona ubeka phantsi, kokukhona uya kuba ngcono ekuhambeni kwexesha kuba oku kunciphisa imali oya kuyihlawula imoto ekugqibeleni.
Ngokufanayo, Ngaba i-APR iyafana nenzala? Yintoni umahluko? I-APR lixabiso lonyaka lemali-mboleko kumboleki - kuquka neentlawulo. Njengomlinganiselo wenzala, i I-APR ichazwa njengepesenti. Ngokungafaniyo nenzala, nangona kunjalo, ibandakanya ezinye iintlawulo okanye iimali ezifana ne-inshurensi yokubambisa, uninzi lweendleko zokuvala, amanqaku esaphulelo kunye nemirhumo yokuqalisa imali-mboleko.
Ndimele ndibeke malini phantsi kwi-8000 yeedola kuba? Ixabiso lesithuthi lilo elimisela ukuba yimalini na ekufuneka uyibeke phantsi
Ixabiso leMoto | 15% Phantsi | 20% Phantsi |
---|---|---|
$8,000 | $1,200 | $1,600 |
$10,000 | $1,500 | $2,000 |
$12,000 | $1,800 | $2,400 |
$14,000 | $2,100 | $2,800 |
Ngaba i-800 yintlawulo ephezulu yemoto? Isiqalo esihle kuhlahlo lwabiwo-mali lwakho. Iingcali zithi zizonke iindleko zemoto yakho, kubandakanywa iintlawulo zenyanga, i-inshurensi, igesi kunye nokugcinwa, kufuneka zibe malunga nama-20 ekhulwini omvuzo wakho wenyanga oya ekhaya. … Ke uqikelelo olukhuselekileyo lweendleko zemoto lu $ 800 ngenyanga.
Okwesibini Kutheni ungabeki imali phantsi emotweni? Ayinakunqandwa kodwa ukwenza intlawulo enkulu ikunika umqamelo phakathi kwexabiso lemoto kunye nesixa osibambayo kwimali-mboleko. Ukuba isixa-mali semali-mboleko yakho singaphezulu kwexabiso lesithuthi sakho, ukwimo engalunganga yokulingana, nto leyo inokulimaza amathuba akho okusebenzisa ixabiso lemoto yakho endleleni.
Yintoni i-APR efanelekileyo kwi-mortgage yeminyaka engama-30?
NgoMvulo, kaJanuwari 31, 2022 ngokophando lwamva nje lweBankrate lwesizwe esikhulu sababolekisi bezindlu, umndilili weminyaka engama-30 yenqanaba lemali-mboleko emiselweyo yi-3.740% kunye ne-APR ye-3.780%. Umyinge weminyaka engama-30 yerefinance ye-mortgage refinance rate 3.720% nge-APR ye-3.750%.
emva koko Ngaba i-0% APR ithetha ukuba akukho nzala? Kodwa lithetha ukuthini ngokwenene? Inzuzo yekhadi eline-0 ekhulwini le-APR yentshayelelo yi ukuba unokuboleka imali ngexesha elincinci ngaphandle kokunyusa inzala. Kusafuneka uhlawule imali oyibolekileyo kodwa akukho nzala yongeziweyo de kuphele ixesha le-APR.
Ngaba ufuna i-APR ephezulu okanye ephantsi? Okukhona iAPR yakho isezantsi, kokukhona ingcono kuwe. Nangona sicebisa ukuba kungabikho mntu okhe aphathe ibhalansi, imali ekheshi ngaphambili okanye enze nantoni na enokuthi ingenise imali yenzala enxulumene nokuthwala imali eseleyo kwikhadi lokuthenga ngetyala, i-APR esezantsi iya kunciphisa impembelelo ukuba uyalibala ukuhlawula ityala okanye uphelelwe yimali. iinketho kwaye kufuneka baphathe ibhalansi.
Ngaba i-4000 yintlawulo elungileyo yemoto?
Ukuba uthenga imoto eyi- $ 30,000 kwaye wenze iipesenti ezili-10 zokuhlawula, intlawulo ephantsi iya kuba yi- $ 3,000 ngexesha lokuthengisa. … Njengomgaqo jikelele, jonga hayi ngaphantsi kwe-20% phantsi.
Ngaba i-$ 2000 yintlawulo entle ephantsi kwimoto? Umgaqo omhle wobhontsi wentlawulo ephantsi kwimali mboleko yemoto entsha I-20% yexabiso lokuthenga. Intlawulo ephantsi ye-20% okanye ngaphezulu yindlela yokuphepha ukuba "ujonge phantsi" kwimali mboleko yemoto yakho (utyala ngaphezulu kwemoto kunokuba kufanelekile).
Ngaba abathengisi bathanda iintlawulo ezinkulu?
"Okunene luqhekeko, kodwa kwiimeko ezininzi, abathengisi baya kukuvuyela ukuthatha imali yakho. Ngaphandle kokungena kwi-jargon emva kwayo, ixabiso lexesha lemali lichaza ukuba imali esesandleni ngoku ixabisa ngaphezu kwexesha elizayo ngenxa yokunyuka kwamaxabiso. Ngoko ke, intlawulo enkulu ephantsi iya kubangela ukuba amehlo omthengisi akhanyise.
Ngaba i-$ 600 ngenxa yokuba intlawulo ininzi kakhulu? Kufuneka uchithe malini kwimoto? Ukuba uthatha imali-mboleko yokuhlawula imoto yakho, luluvo oluhle ukunciphisa iintlawulo zemoto yakho phakathi kwe-10% kunye ne-15% yentlawulo yakho yokugoduka. Ukuba ugoduka ne-$4,000 ngenyanga, uya kufuna ukuba intlawulo yemoto yakho ibe njalo akukho ngaphezu $400 ukuba $600.
Ngaba intlawulo yemoto yeedola ezingama-500 ininzi kakhulu?
Intlawulo yemoto ye-500 yeedola yi malunga nomndilili ngoku. Umbono othi "kakhulu" uya kuxhomekeka kumvuzo wakho kunye neendleko zokuhlala, iindleko zakho ze-inshurensi, kunye nezinye izinto zohlahlo lwabiwo-mali.
Ngaba i-700 ininzi kakhulu kwintlawulo yemoto?
Ngokutsho kweengcali, intlawulo yemoto iphezulu kakhulu ukuba intlawulo yemoto ngaphezulu kwe-30% yomvuzo wakho uwonke. … Qinisekisa ukuba intlawulo yemoto yakho ayidluli kwi-15% -20% yomvuzo wakho uwonke. Oku kuya kuqinisekisa ukuba unemali eyaneleyo ukuze wenze iintlawulo zezinye iimali-mboleko, amatyala oncedo, kunye neendleko zekhaya.
Yintoni ongafanele uyithethe kumthengisi wemoto? Izinto ezili-10 ongazithethi kuMthengisi weMoto
- "Ndiyithanda kakhulu le moto" ...
- "Andazi kakhulu malunga neemoto" ...
- "Urhwebo lwam lungaphandle" ...
- “Andifuni ukusiwa kubacoci” …
- "Ityala lam alilunganga kangako" ...
- "Ndibhatala imali" ...
- "Ndidinga ukuthenga imoto namhlanje" ...
- "Ndifuna intlawulo yenyanga ngaphantsi kweedola ezingama-350"
Ngaba i-3% yenzala kwi-mortgage ilungile? 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.
Ngaba i-2.875 yireyithi elungileyo?
Ewe, I-2.875 ipesenti yizinga eliphezulu lokuboleka imali. Liqhezu nje lepesenti yenqaku eliphezulu kunelona xabiso liphantsi lemali-mboleko yemali-mboleko yeminyaka engama-30 yeminyaka emiselweyo.
Kutheni i-mortgage yeminyaka engama-30 ingcono? Ngenxa yokuba imali-mboleko yeminyaka engama-30 inexesha elide, iintlawulo zakho zenyanga ziya kuba ngaphantsi kwaye izinga lakho lenzala kwimali-mboleko liya kuba phezulu. Ke, ngaphezulu kweminyaka engama-30 uya kuhlawula imali encinci nyanga nganye, kodwa uya kwenza iintlawulo kabini ubude kwaye unike ibhanki amawaka enzala ngaphezulu.
Ingakanani i-APR eninzi kakhulu?
nantoni ngaphantsi kwe-18% Ixabiso eliphantsi xa lithelekiswa nentsingiselo yemarike. Nantoni na engaphaya kwe-20% ijonge kwicala elixabisa kakhulu. Ukuba uhlawula ibhalansi yakho inyanga nenyanga i-APR ayisayi kubaluleka kangako. Nangona kunjalo, ukuba uyalibala ukuyihlawula kwaye uhlawula i-APR ephezulu, iintlawulo zenzala ziya kunyuka.
Ngaba i-29.99 lizinga lenzala elungileyo? Vera othandekayo, Kuyinyani ngelishwa ukuba umntu angenza umonakalo omkhulu ngokukhawuleza kumanqaku okuthenga ngetyala. Nangona kunjalo, i-reverse iyinyani xa uzama ukwakha i-credit back up.
Yintoni i-APR embi?
Ii-APR zeKhadi leTyala elilungileyo ngeNqaku leTyala
Ii-APR zekhadi letyala elilungileyo zilapha ngezantsi | Ukulinganiswa kwamatyala | Uluhlu lwamanqaku |
---|---|---|
19% | Kulungile | 700-749 |
21% | Ilungile/Mda | 640-699 |
18% | olubi | 300-639 |
Dec 6, 2021
Yimalini omele uyibeke kwimoto ye-10000 yeedola? Okukhona ungabeka phantsi, ngcono, kwaye akukhe kube buhlungu ukuba nemoto endala ukurhweba kuyo. Masithi uxhasa imoto ye-10,000 yeedola, kwaye umbolekisi ucela I-10% phantsi intlawulo; Kuya kufuneka ubeke phantsi i-1,000 yeedola ngaphambili. Ukuba uyarhweba kwaye imoto yakho ixabisa i-500 yeedola, kuya kufuneka uhlawule imali eyi-500 yeedola.
Ngaba i-1000 yeedola intle yokuhlawula imoto?
Ukuba ujonge ukuthenga imoto esetyenzisiweyo malunga ne-10,000 yeedola, ke i-$ 1,000 yintlawulo efanelekileyo. Kucetyiswa ngokubanzi ukubeka phantsi ubuncinci i-10% ye- Ixabiso lesithuthi ukunyusa amathuba okufumana imvume mboleko, kunye nokunciphisa iindleko zakho zenzala.
Kufuneka ndibeke malini kwimoto ye-60k? Njengomgaqo jikelele, kufuneka uhlawule Iipesenti ezingama-20 zexabiso le isithuthi njengentlawulo ephantsi.