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.
Ngokufanayo, ndingafumana imali yokubambisa 5x umvuzo wam? Ngaba ndingayifumana imali yokubambisa imali ka-5 yomvuzo? Ewe. Ngelixa kuyinyani ukuba uninzi lwababolekisi bezindlu bavala isixa onokuthi usiboleke ngokusekwe kwi-4.5 amaxesha omvuzo wakho, kukho inani elincinci lababoneleli bezindlu abazimisele ukolula ukuya kuthi ga kahlanu umvuzo wakho.
Kufuneka wenze malini ukuze ukwazi ukuthenga indlu eyi-$300000? Oku kuthetha ukuba ukuhlawula i-$ 300,000 yendlu, uya kuyidinga $60,000.
Yeyiphi imali-mboleko endinokuyifumana kumvuzo we-80k? Umgaqo wegolide ekumiseleni ukuba lingakanani na ikhaya onokulihlawula kukuba intlawulo yakho yenyanga yokubambisa akufunekanga igqithe 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.
Okwesibini 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.
Ngaba unokuboleka ka-7 umvuzo wakho?
ABAZINZI bezindlu banako ukuboleka ukuya kuthi ga kasixhenxe umvuzo wabo ngesivumelwano esitsha sokubambisa. Abathengi kufuneka bathathele ingqalelo iindlela zokufaneleka kunye nokuba lolona khetho lufanelekileyo kubo - nantsi yonke into ekufuneka uyazi malunga nesivumelwano semali-mboleko.
emva koko Ingaba ndingaboleka ka-5.5 ngokuphinda-phindwe ngomvuzo wam? Ndingayifumana imali-mboleko ephindwe ka-5.5 kumvuzo wam? Ewe, oku kunokwenzeka. Kuphela ngababolekisi abathile abaya kukunika imali yokubambisa eyi-5.5 yomvuzo wakho kwaye isigqibo sabo siya kuxhomekeka kakhulu kwiimeko zakho zobuqu.
Ndidinga malini ukuze ndifumane imali yokubambisa nge-300 yase-UK? Uninzi lwababoneleli bakulungele ukuboleka ukuya kuthi ga kwi-000 - 4x umvuzo wakho wonyaka, oku kuthetha ukuba kuya kufuneka ubuye ekhaya ubuncinci I- £ 66,667 75,000 - i- £ XNUMX ngonyaka (ingeniso edibeneyo iya kusetyenziswa ukuba ufaka isicelo semali-mboleko edibeneyo).
Iyakuba yimalini i-mortgage yeminyaka engama-30 kwi-200?
Kwi-$200,000, iminyaka engama-30 yokubambisa kunye ne-4% yezinga lenzala esisigxina, intlawulo yakho yenyanga iya kuphuma $954.83 - ingabandakanyi irhafu okanye i-inshurensi.
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Iintlawulo zenyanga ze-200,000 ye-mortgage.
Umgangatho wenzala | Intlawulo yenyanga (iminyaka eyi-15) | Intlawulo yenyanga (iminyaka eyi-30) |
---|---|---|
5.00% | $1,581.59 | $1,073.64 |
• NgoJanuwari 4, 2022
Ingakanani imali-mboleko endinokuyifumana ngenqaku letyala elingama-650? Ngamanqaku etyala angama-650, izinga lenzala yemali-mboleko yakho linokuba malunga 3.805%, Okuya kukubiza malunga ne-$203,541 kwinzala kwimali-mboleko ye-$300,000, iminyaka engama-30. Ukuba unokonyusa amanqaku akho etyala ngamanqaku angama-30, uya kukwazi ukonga ngaphezulu kweedola ezingama-25,000.
Yimalini imali 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.
Yeyiphi indlu endinokuyithenga ngomvuzo wama-90k? Ndenza i-$90,000 ngonyaka. Ingakanani indlu endinokuyithenga? Unakho ukufikelela ine $306,000 indlu.
Yimalini indlu endinokufikelela kuyo umvuzo we-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-75k?
Ndenza i-$75,000 ngonyaka. Ingakanani indlu endinokuyithenga? Unakho ukufikelela ine $255,000 indlu.
Yeyiphi indlu onokufikelela kuyo ngomvuzo wama-40k? 5. I-Mortgage kaDave Ramsey
Ingeniso epheleleyo | Ngenyanga Ukuya Ekhaya | Ubuninzi beNtlawulo yeNyanga |
---|---|---|
$30,000 | $1,875 | $468 |
$40,000 | $2,500 | $625 |
$50,000 | $3,125 | $781 |
$60,000 | $3,750 | $937 |
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”.
Yeyiphi imali-mboleko endinokuyifumana kumvuzo wama-70k?
Ke ukuba ufumana i-70,000 yeedola ngonyaka, kuya kufuneka ukwazi ukuchitha ubuncinane $1,692 ngenyanga - kwaye ukuya kuthi ga kwi-2,391 yeedola ngenyanga - ngendlela yerenti okanye intlawulo ye-mortgage.
Ndingayifumana njani imali yokubambisa ngemivuzo ephantsi? Ndingawaphucula njani amathuba am okufumana imali yokubambisa ngomvuzo ophantsi?
- Jonga amanqaku akho etyala. Kunye nomvuzo wakho, ababolekisi baya kujonga amanqaku akho etyala. …
- Yamkela ingeniso yakho. …
- Khetha elona xesha lilungileyo. …
- Bonisa ngomsebenzi wakho. …
- Beka idiphozithi enkulu. …
- Sebenza kunye nomthengisi we-mortgage.
Kutheni ndingaboleka ka-4 kuphela umvuzo wam?
Ngokwesiqhelo, Okukhona ufuna ukuboleka, kokukhona idipozithi efunekayo inkulu. Ngoko ke ukuboleka isixa-mali sokubambisa esigcinwe kumvuzo ophindwe ka-4, uya kufuna idiphozithi enkulu kunokuba ukhethe ukubolekwa kwentlawulo yomvuzo ka-3.
Ngaba ungafumana imali mboleko ye-7x? Abathengi basekhaya banako ngoku mboleka 7 IXESHA umvuzo kunye nombolekisi we-mortgage Habito...kodwa kufuneka balungise ubuncinci iminyaka eli-15. Uhlaziyo nge-26 kaJanuwari 2022: UHabito sele enyuse amanye amaxabiso emali mboleko ebandakanyiweyo kweli nqaku. …Ngokuqhelekileyo, iibhanki zivumela ukuboleka ukuya kutsho kwi-4.5 ngokuphindwe kabini kumvuzo odityanisiweyo wabenzi-sicelo.
Ingakanani imali-mboleko endinokuyifumana ngokusekelwe kumvuzo?
Umthetho we-28% uthi kufuneka uchithe i-28% okanye ngaphantsi kwengeniso yakho yenyanga yonke kwintlawulo yakho yokubambisa (umzekelo, inqununu, inzala, irhafu kunye ne-inshurensi). Ukubona ukuba ungafikelela malini na usebenzisa lo mgaqo, phinda-phinda umvuzo wakho wenyanga uwonke ngama-28%.
Ngaba iibhanki ziboleka umvuzo ophindwe ka-4.5? Uninzi lwababolekisi luya kuboleka 4.5 umphinda-phinde ngomvuzo wonyaka nokuba uqeshiwe, usebenzela umntu osebenzela yena, unokontraka okanye umlawuli wenkampani encinci.
Ngaba abarhwebi beemali-mboleko banokukufumana imali yokubambisa enkulu?
Ukuthetha nomthengisi: Abanye ababolekisi banokukunika imali-mboleko enkulu kunabanye, kwaye nabarhwebi banokujonga ukuba zeziphi ezinokuthi ziboleke kakhulu.