Iyiphi imali engenayo edingekayo ukuze uthole i-mortgage engu-200k? Ukuze ugunyazwe i-mortgage engu-$200,000 enenkokhelo encane engamaphesenti angu-3.5, uzodinga imali engenayo $ 62,000 njalo ngonyaka. (Lesi isibonelo esilinganiselwe.)
Lapha, Ngingayikhokha kanjani imali-mboleko yami engama-250k eminyakeni emi-5? Ungayikhokha Kanjani Imali Yakho Yokuthenga Izindlu Eminyakeni emi-5 (noma ngaphansi!)
- Dala Isabelomali Sanyanga Zonke. …
- Thenga Ikhaya Ongakwazi Ukulikhokhela. …
- Beka Phansi Inkokhelo Enkulu Ephansi. …
- Yehlisela Ekhaya Elincane. …
- Khokha Ezinye Izikweletu Zakho Kuqala. …
- Phila Ngaphansi Kwakho Okwenzayo (phila ngo-50% wemali engenayo) ...
- Nquma Uma I-Refinance Ikulungele.
Ngingakwazi ukuthenga indlu eyenza u-30k ngonyaka? Ufanelekela ukubolekwa imali uma wenza u-$20,000 ngonyaka noma u-$30,000 a unyaka kungenzeka ngokuphelele. Nakuba iholo lakho lidlala indima esinqumweni sokugcina somboleki, akuyona ukuphela kwesici sezimali umboleki asibhekayo.
Ukwengeza Ngingakwazi yini ukuthenga indlu eyenza ama-40k ngonyaka? Nakuba abathengi kungase kudingeke bakhokhe isikweletu, bonge ukheshi futhi bafanelekele ukubolekwa, okubalulekile ukuthi ukuthenga ikhaya emholweni wezinga eliphakathi kusengenzeka - kwezinye izindawo. Ngezansi, hlola amadolobha angu-15 lapho ungaba khona umninikhaya kuyilapho uhola u-$40,000 ngonyaka noma ngaphansi.
Iyiphi imali yendlu yezindlu engingayikhokhela ngomholo wami? Umthetho ojwayelekile ukuthi ungakwazi ukukhokhela i-mortgage okungukuthi 2x kuya ku-2.5x isamba sakho semali engenayo. Isamba sezinkokhelo zenyanga zonke zezindlu ezibolekiwe ngokuvamile zenziwe izingxenye ezine: inhloko, inzalo, izintela, nomshwalense (okuhlangene owaziwa ngokuthi i-PITI).
Ingabe kuwukuhlakanipha ukukhokhela indlu yakho kusenesikhathi?
Ukukhokha imali mboleko yakho kusenesikhathi kungaba imali ehlakaniphile hambisa. Uzoba nemali eyengeziwe ongadlala ngayo inyanga ngayinye uma ungasakhokhi, futhi uzolondoloza imali yenzalo. … Ungase ube ngcono ngokugxila kwesinye isikweletu noma esikhundleni sokutshala imali.
Ingabe kuwukuhlakanipha ukukhokhela indlu yakho? Ukukhokha imali yakho yendlu ngaphambi kwesikhathi kukhulula leyo mali yesikhathi esizayo kwezinye izinto. Nakuba kuyiqiniso ungase ulahlekelwe ukudonswa kwentela ngenzalo ye-mortgage, usengagcina inani elikhulu ekukhokheleni isikweletu.
Ngingayikhokha kanjani indlu yami eminyakeni eyi-10? Amathiphu Ochwepheshe Okukhokha Imali Ebanjiswa Ngaphansi Yakho Eminyakeni eyi-10 noma Ngaphansi
- Thenga ikhaya ongakwazi ukulikhokhela. …
- Qonda futhi usebenzise amaphuzu e-mortgage. …
- Hlukanisa izinombolo. …
- Khokha phansi ezinye izikweletu zakho. …
- Khokha okwengeziwe. …
- Khokha kabili ngeviki. …
- Yonga. …
- Shaya uthishomkhulu kusenesikhathi.
Ngingakwazi ukuthenga indlu uma ngenza ama-25k ngonyaka?
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.
Futhi Ingabe i-mortgage izikhathi ezi-3 ngomholo wakho? Ingabe i-mortgage iphindwe izikhathi ezi-3 kumholo wakho? Akunjalo. … Ababolekisi abaningi banikeza ababoleki abafanelekile imali yokuboleka esekelwe emalini abayiphinda izikhathi ezi-3-4.5, kodwa abanye baya phezulu kunalokhu, ngaphansi kwezimo ezifanele. Ungafunda kabanzi ngalokhu kumhlahlandlela wethu wokuphindaphinda imali engenayo.
Iyini inkokhelo ye-mortgage emaphakathi?
I-State-By-State I-Average Mortgage Payments
State | Inkokhelo Yanyanga Zonke Yamaphakathi | Ibhalansi ye-Mortgage emaphakathi |
---|---|---|
California | $2,282 | $371,981 |
Colorado | $1,681 | $273,718 |
Connecticut | $2,096 | $224,336 |
Delaware | $1,563 | $190,846 |
• Nov 19, 2021
Ngingakwazi ukuthenga indlu eyenza u-25k ngonyaka? 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.
Ingakanani imali edingekayo ukuze uthenge indlu?
Lokho kuhlanganisa uthishanhloko, inzalo, intela yendawo, umshwalense wabanikazi bezindlu, kanye nomshwalense wezindlu zangasese (PMI). Ngenxa yokuthi i-FHA ivumela kuphela isikweletu sakho sezindlu ukuthi sihlanganise u-31% womholo wakho, iholo lakho ngaphambi kwentela kufanele okungenani libe ngu-$7,940 ngenyanga futhi $ 95,283 ngonyaka ukuthenga indlu engu-$374,900.
Ingabe u-30k wanele ukuthenga indlu?
Ngokumangalisayo, YEBO! Kuzoba seduze, kodwa kungenzeka ngemali engenayo eyanele kanye nekhredithi enhle. Noma intengo yekhaya elimaphakathi endaweni ezungeze i-Bay Area icishe ibe ngu-$1M futhi ngokuvamile idinga u-$200K enkokhelweni encane, kusenemizi eminingi emihle yomndeni owodwa e-South Bay, futhi ikakhulukazi i-San Jose, engaphansi kuka-$600K.
Ngidinga malini ukuze ngithole imali yokubolekwa ye-200 UK? Ngidinga malini ukuze ngithole i-mortgage engu-£000? Ezimweni eziningi, abahlinzeki bezindlu ezibolekiwe bavala lokho abazimisele ukukuboleka kukho 4.5x umholo wakho wonyaka. Kwezinye izimo lokhu kuzodlula ku-5x umholo wakho kanye nedlanzana libe ngu-6x - ezimeni ezingavamile.
Ingakanani indlu engingayithenga ngeholo lika-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.
Ngidinga malini ukuze ngithenge indlu engu-300k?
Lokhu kusho ukuthi ukukhokhela indlu engu-$300,000, uzoyidinga $60,000.
Kwenzekani uma ngikhokha enye i-$300 ngenyanga emalini engibambisene nayo? Ngokungeza u-$300 enkokhelweni yakho yanyanga zonke, uzokonga ngaphezudlwana kuka-$64,000 ngenzalo futhi ukhokhele ikhaya lakho eminyakeni eyi-11 maduze. Cabangela esinye isibonelo. Unebhalansi esele engu-$350,000 ekhaya lakho lamanje emalini ebolekiwe yeminyaka engama-30 yesilinganiso esimisiwe. Unquma ukukhuphula inkokhelo yakho yanyanga zonke ngo-$1,000.
Ingakanani iminyaka eyisilinganiso yokuthi ungaboleka imali?
Nakuba isilinganiso yobudala ababolekayo balindele ukukhokha mortgage yabo 59, isibalo sabahlanganyeli bocwaningo abangenalwazi lokuthi bazoyikhokha nini nhlobo sime ku-16%. Ngo-2019, u-9% walabo ababuziwe bebengazi futhi ngo-2020, u-11% wanikeza le mpendulo.
Kwenzekani uma ngikhokha enye i-$1000 ngenyanga emalini engibambisene nayo? Ukukhokha imali eyengeziwe engu-$1,000 ngenyanga yonga umnikazi wendlu inzalo emangalisayo engu-$320,000 futhi ucishe unciphise isikhathi semali mboleko ngesigamu. Ukunemba kakhudlwana, izoshefa cishe iminyaka eyi-12 nohhafu esikhathini semalimboleko. Umphumela uba yikhaya elimahhala nelicace ngokushesha okukhulu, nokonga okukhulu okungavamisile ukwehlulwa.
Indlu yami kufanele ikhokhelwe ineminyaka emingaki?
"Uma ufuna ukuthola inkululeko yezezimali, udinga ukuthatha umhlalaphansi zonke izikweletu - futhi yebo lokho kufaka phakathi imali oyibolekile," umbhali wezezimali kanye nomdidiyeli we-"Shark Tank" ye-ABC utshela i-CNBC Make It. Kufanele uhlose ukuthi konke kukhokhwe, kusukela emalini ebolekiwe yabafundi kuya esikweletini sekhadi lesikweletu, ngeminyaka engu-45, kusho u-O'Leary.
Kungani kungafanele ukhokhe indlu yakho kusenesikhathi? Ukukhokha imali mboleko ngaphambi kwesikhathi ingakhulula ukuhamba kwemali futhi yonge imali eningi ezinkokhelweni zenzalo. Kodwa abatshalizimali akufanele babheke imali yabo yokubolekwa kwempahla endaweni engenalutho. Ukubeka imali eyengeziwe esikweletini kungabonwa njengengxenye yohlelo lokutshalwa kwezimali lulonke.
Ingabe ukukhishwa kwe-mortgage ngaphambi kwesikhathi kunomthelela ekukhokheni amaphuzu esikweletu?
Uma uzibuza ukuthi kungakanani ukukhokha imali yakho yendlu ngaphambi kwesikhathi kuthinta isikolo sakho sesikweletu, impendulo ithi: akukho kuningi. … Uma imali yakho yezindlu isikhokhelwe ngokugcwele (sikuhalalisela, mninikhaya!), ivela embikweni wakho wesikweletu njenge-akhawunti evaliwe enokuma okuhle—kucatshangwa ukuthi ubukhokha ngesikhathi.