Umthetho omuhle wesithupha ukuthi isamba sakho semalimboleko kufanele sibe ungabi ngaphezu kwama-28% omholo wakho wanyanga zonke wangaphambi kwentela. Lokhu ungakuthola ngokuphindaphinda iholo lakho ngo-28, bese uhlukanisa lokho ngo-100.
Lapha, Yimuphi umholo owudingayo ukuze uthenge indlu engu-400k? Iyiphi imali engenayo edingekayo ukuze uthole i-mortgage engu-400k? Ukuze uthenge indlu engu-$400,000, ababoleki badinga imali engu-$55,600 ukuze babeke phansi amaphesenti ayishumi. Nge-mortgage yeminyaka engama-10, umholo wakho wanyanga zonke kufanele okungenani $8200 futhi izinkokhelo zakho zanyanga zonke ezikweletini ezikhona akufanele zidlule u-$981. (Lesi isibonelo esilinganiselwe.)
Kufanele wenze malini ngonyaka ukuze uthenge indlu engu-$500000? Ngidinga malini ukuze ngikwazi ukukhokhela indlu engu-$500,000? Njengomthetho ojwayelekile, inkokhelo yakho yendlu ebolekiwe akufanele idlule ingxenye eyodwa kwezintathu yomholo wakho wanyanga zonke. Ngakho-ke ngenkokhelo ephansi engu-20% yemali ebolekiwe yeminyaka engu-30 kanye nenani lenzalo engu-4%, uzodinga okungenani $90,000 ngonyaka ngaphambili intela.
Ukwengeza Ingakanani indlu engingayikhokhela iholo lika-40k? Kodwa-ke, ukuthi yimalini ongakwazi ukuyikhokhela kuya ngesikweletu sakho, ukukhokha kancane kanye nezinye izindleko njengezintela nomshwalense.
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3. Umthetho wama-36%.
Imali Ephelele | U-28% Wemali Engenile Yanyanga zonke | U-36% Wemali Engenile Yanyanga zonke |
---|---|---|
$40,000 | $933 | $1,200 |
$50,000 | $1,167 | $1,500 |
$60,000 | $1,400 | $1,800 |
$80,000 | $1,867 | $2,400 |
• Okthoba 28, 2021
Iyiphi imali yokubolekwa kwempahla engingayikhokhela ngomholo wama-80k? Umthetho wegolide ekunqumeni ukuthi lingakanani ikhaya ongakwazi ukulikhokhela ukuthi elakho Inkokhelo yenyanga yonke yendlunkulu akufanele idlule u-28% wesamba semali engenayo yakho yanyanga zonke (iholo lakho ngaphambi kokuthi kukhishwe izintela). Isibonelo, uma wena nowakwakho nineholo elihlangene lonyaka lika-$80,000, inkokhelo yakho yendlu ebolekiwe akufanele idlule u-$1,866.
Ingakanani indlu engingayithenga uma ngenza i-36 ngonyaka?
Uma wenza u-$36,000 ngonyaka, cishe uzokwazi ukukhokhela ikhaya lokho kubiza phakathi kwama-$144,000 nama-$195,000. Inani eliqondile ozokwazi ukulikhokhela lizoncika ezikweletini zakho, amaphuzu esikweletu, indawo, ukukhokha kancane, nokunye okuguquguqukayo.
Ingakanani indlu engingayikhokhela iholo lama-70k? Ingakanani imali okufanele uyisebenzise ekweletini? Ngokusho kukaBrown, kufanele uchithe phakathi kwama-28% kuya ku-36% omholo wakho oya nawo ekhaya ngenkokhelo yakho yendlu. Uma wenza u-$70,000 ngonyaka, inkokhelo yakho yanyanga zonke oya nayo ekhaya, okuhlanganisa nokubanjwa kwentela, kuzoba cishe u-$4,328.
Iyiphi imali yokubolekwa kwendlu engingayikhokhela ngomholo wama-60k? Umthetho ojwayelekile wesithupha wukuthi ungakwazi ukukhokhela i-mortgage kabili kuya ku-2.5 ephindwe kabili emholweni wakho wonyaka. Lokho kubanjiswa ngemali engu- $ 120,000 kuya ku- $ 150,000 ku- $ 60,000.
Iyiphi indlu engingayithenga ngeholo lika-70k?
Ingakanani indlu engingayithenga ngo-$70K ngonyaka?
Iholo | $ 70,000 / ngonyaka | $ 70,000 / ngonyaka |
---|---|---|
Inkokhelo yokubambisa | $15,000 | $40,000 |
Izikweletu Zamanje Zanyanga Zonke | $250 | $250 |
I-Mortgage Rate | 3.0% | 3.0% |
Ibhajethi Yokuthenga Ikhaya | $349,200 | $409,200 |
Dec 3, 2021
Futhi Ingakanani indlu engingayikhokhela iholo lika-50k? Umuntu owenza u-$50,000 ngonyaka angase akwazi ukukhokhela indlu ebiza noma yikuphi kusuka ku- $ 180,000 kuye cishe ku- $ 300,000. Kungenxa yokuthi umholo akuyona ukuphela okuguqukayo okunquma isabelomali sakho sokuthenga ekhaya. Kufanele futhi ucabangele amaphuzu akho esikweletu, izikweletu zamanje, amanani ezinto ezibanjiswayo, nezinye izinto eziningi.
Ngingayithola malini indlu uma ngenza ama-60000 ngonyaka?
Umthetho ojwayelekile wesithupha ukuthi ungakwazi ukukhokhela imali mboleko kabili kuya ku-2.5 ephindwe kabili emholweni wakho wonyaka. Lokho kubanjiswa ngemali engu- $ 120,000 kuya ku- $ 150,000 ku- $ 60,000.
Ngingakwazi ukuthola imali ye-mortgage ngama-20k ngonyaka? Ufanelekela i-mortgage uma wenza u-$20,000 ngonyaka noma $30,000 ngonyaka kungenzeka nakanjani. Nakuba iholo lakho lidlala indima esinqumweni sokugcina somboleki, akuyona ukuphela kwesici sezimali umboleki asibhekayo.
Ngingayithenga kanjani indlu ka-300k?
Inkokhelo ephansi: Kufanele ube nenkokhelo ephansi elingana no-20% yenani lendlu yakho. Lokhu kusho ukuthi ukukhokhela indlu engu-$300,000, uzoyidinga $60,000. Izindleko zokuvala: Ngokuvamile, uzokhokha cishe u-3% kuya ku-5% yenani lekhaya ezindlekweni zokuvala. Emzini ongu-$300,000, uzodinga u-$9,000 kuya ku-$15,000.
Kufanele ngibeke phansi malini endlini engu-$350?
A I-10% yokukhokha phansi sine $350,000 ikhaya kungaba $35,000. Uma ufaka isicelo semali mboleko yokuthenga indlu, inkokhelo ephansi ingumnikelo wakho ekuthengeni futhi imele ingxenye yakho yokuqala yobunikazi ekhaya. Umbolekisi unikeza enye imali yokuthenga indawo.
Ngingakwazi ukuthenga indlu enamaphuzu esikweletu angu-716? Ngingathola imali mboleko yendlu enamaphuzu esikweletu angu-716? Itiye Isilinganiso esincane sesikweletu semalimboleko singama-620 kubabolekisi abaningi abavamile, ngakho kufanele ukwazi ukufaneleka.
Yimalini okufanele uyenze ukuze uthenge indlu engu-$300000? Lokhu kusho ukuthi ukukhokhela indlu engu-$300,000, uzoyidinga $60,000.
Ngidinga malini ukuthenga indlu engu- $ 300 K?
Iyiphi imali engenayo edingekayo ukuze uthole i-mortgage engu-300k? + Imali ebolekiwe engu-$300k enenani lenzalo engu-4.5% ngaphezu kweminyaka engama-30 kanye nenkokhelo ephansi engu-$10k izodinga imali engenayo yonyaka engu- $ 74,581 ukuthola imalimboleko.
Ingakanani imali oyidingayo ukuze uthenge indlu engu-$800000? Ezindlini ezisebangeni elingu-$800,000, elisezingeni eliphakathi nendawo ezimakethe eziningi zezindlu, isibali se-DollarTimes sincoma ukuthi abathengi balethe. $119,371 ngaphambi kwentela, ithatha imalimboleko yeminyaka engu-30 enenani lenzalo elingu-3.25%. Inkokhelo ye-mortgage yanyanga zonke ilinganiselwa ku-$2,785.
Ngingakwazi ukuthenga indlu engu-300k?
Inkokhelo ephansi: Kufanele ube nenkokhelo ephansi elingana no-20% yenani lendlu yakho. Lokhu kusho ukuthi ukukhokhela indlu engu-$300,000, uzoyidinga $60,000. Izindleko zokuvala: Ngokuvamile, uzokhokha cishe u-3% kuya ku-5% yenani lekhaya ezindlekweni zokuvala. Emzini ongu-$300,000, uzodinga u-$9,000 kuya ku-$15,000.
Ingabe ama-50k aphakathi nonyaka? Izibalo zithi i-middle class iholo lomndeni phakathi kuka-$25,000 no-$100,000 ngonyaka. Noma yini engaphezu kuka-$100,000 ithathwa “njengesigaba esiphakathi nendawo”.
Ngidinga imali engakanani engabanjiswa ngempahla engu-300k?
Ingakanani Imali Engenayo Engiyidingayo Nge-Mortgage engu-300k? Udinga ukwenza $ 92,287 ngonyaka ukukhokhela i-mortgage engu-300k. Imali engenayo oyidingayo siyisekela emalini ebolekiwe engu-300k enkokhelweni engu-24% womholo wakho wanyanga zonke. Endabeni yakho, imali engenayo yanyanga zonke kufanele ibe ngu-$7,691.
Iyiphi imali mboleko engingayikhokhela ngomholo wama-75k? Ngenza u-$75,000 ngonyaka. Ingakanani indlu engingayithenga? Ungakwazi ukukhokhela inendlu engu-$255,000.
Kufanele ngenze malini ukuze ngithenge indlu ka-300k?
Lokhu kusho ukuthi ukukhokhela indlu engu-$300,000, uzoyidinga $60,000.
Ingakanani indlu engingayithenga uma ngenza u-70000? Ingakanani imali okufanele uyisebenzise ekweletini? Ngokusho kukaBrown, kufanele uchithe phakathi kwama-28% kuya ku-36% omholo wakho oya nawo ekhaya ngenkokhelo yakho yendlu. Uma wenza u-$70,000 ngonyaka, inkokhelo yakho yanyanga zonke oya nayo ekhaya, okuhlanganisa nokubanjwa kwentela, kuzoba cishe u-$4,328.
Ngingakwazi ukuthenga indlu ngemali engenayo engu-25k?
I-HUD, izinhlangano ezingenzi nzuzo, nababolekisi abazimele banganikeza izindlela ezengeziwe zokuba umninikhaya kubantu abenza ngaphansi kuka-$25,000 ngonyaka ngosizo lokukhokha kancane, izinketho zokuqasha, nezinketho zokubolekwa kobunikazi.
Ngingakwazi ukuthenga indlu eno-30k phansi?
Imalimboleko yakho ephezulu ingaba u-95% yenani lokuthenga, ngakho-ke uma usebenzise yonke imali yakho ukuze wenze inkokhelo encane, ungathenga indawo engu-$600,000. Ngenkokhelo ephansi engu-$30,000, uzoboleka imali $570,000. Amanani emali mboleko yebhalansi ephezulu asephansi kakhulu (ngaphansi kuka-4%), kodwa lindela ukukhokha amaphuzu esaphulelo.
Ingabe u-100k wanele ukuthenga indlu? U-$100,000 ungakufaka kuwo umuzi onenani elicela ku-$1 million uma unemali eyanele ukuze ufaneleke. Imali mboleko engiyichaze ngenhla iyimali mboleko "engavumelani". Lokhu kusho ukuthi uFannie Mae noma uFreddie Mac ngeke bayithenge ngenxa yobukhulu bayo.