“Inkokhelo evamile evamile iba phakathi kuka-10% no-20% yenani lonke. Sinemalimboleko yemoto engu-$12,000, kungaba njalo phakathi kwama- $ 1,200 kuya ku- $ 2,400. Uma sekuyiwa emalini yokukhokha, uma ubeka phansi kakhulu, kuzoba ngcono ngokuhamba kwesikhathi ngoba lokhu kunciphisa imali ozoyikhokhela imoto ekugcineni.
Ngokufanayo, Ingabe i-APR iyafana nezinga lenzalo? Uyini umehluko? I-APR yizindleko zonyaka zemalimboleko kumboleki - okuhlanganisa nezinkokhelo. Njengenani lenzalo, i I-APR ichazwa njengephesenti. Ngokungafani nenani lenzalo, nokho, lihlanganisa ezinye izinkokhiso noma izinkokhelo ezinjengomshwalense wemali mboleko, iningi lezindleko zokuvala, amaphuzu esaphulelo kanye nezimali zokuqalisa imalimboleko.
Ngingabeka malini emotweni ka-$8000? Intengo yemoto inquma ukuthi ingakanani imali okufanele uyibeke phansi
Intengo Yemoto | 15% Phansi | 20% Phansi |
---|---|---|
$8,000 | $1,200 | $1,600 |
$10,000 | $1,500 | $2,000 |
$12,000 | $1,800 | $2,400 |
$14,000 | $2,100 | $2,800 |
Ingabe i-800 iyinkokhelo yemoto ephezulu? Isiqalo esihle isabelomali sakho. Ochwepheshe bathi izindleko zakho eziphelele zemoto, okuhlanganisa izinkokhelo zanyanga zonke, umshwalense, igesi kanye nokunakekelwa, kufanele kube cishe amaphesenti angu-20 omholo wakho wanyanga zonke oya nawo ekhaya. … Bese kuba nesilinganiso esiphephile sezindleko zemoto $ 800 ngenyanga.
Okwesibili Kungani ungabeki imali emotweni? Ngeke kumiswe kodwa ukwenza inkokhelo enkulu ikunikeza umcamelo phakathi kwenani lemoto kanye nenani olikweletayo ngesikweletu. Uma inani lemali oyibolekiwe lingaphezu kwenani lemoto yakho, usesimweni esibi, esingalimaza amathuba akho okusebenzisa inani lemoto yakho phansi komgwaqo.
Iyini i-APR enhle kwi-mortgage yeminyaka engama-30?
NgoMsombuluko, Januwari 31, 2022 ngokocwaningo lwakamuva lwe-Bankrate lwababolekisi bezindlu ezinkulu kunazo zonke ezweni, isilinganiso seminyaka engama-30 semali ebolekiwe singama-3.740% ne-APR engu-3.780%. Isilinganiso seminyaka engu-30 esinqunyiwe sokubolekwa kwezimali kwezindlu yi 3.720% nge-APR engu-3.750%.
bese kuthi Ingabe i-0% APR isho ukungabi nanzuzo? Kodwa lisho ukuthini ngempela? Inzuzo yekhadi eline-APR yesethulo engamaphesenti angu-0 ukuthi ungakwazi ukuboleka imali isikhathi esilinganiselwe ngaphandle kokwandisa inzalo. Kusafanele ubuyisele imali oyibolekile kodwa ayikho inzalo eyengeziwe kuze kuphele isikhathi se-APR yesethulo.
Ingabe ufuna i-APR ephezulu noma ephansi? Ukwehlisa i-APR yakho, kungcono kuwe. Nakuba situsa ukuthi kungabikho muntu oke aphathe ibhalansi, ukheshi kusengaphambili noma enze noma yini enye engaba nezindleko zenzalo ezihlobene nokuphatha ibhalansi ekhadini lesikweletu, i-APR ephansi izonciphisa umthelela uma ukhohlwa ukukhokha isikweletu noma ukuphelelwa yimali. ongakhetha kuzo futhi kufanele aphathe ibhalansi.
Ingabe i-4000 iyinkokhelo enhle yemoto?
Uma uthenga imoto engama- $ 30,000 bese wenza inkokhelo engu-10%, imali ekhokhwayo izoba ngu- $ 3,000 ngesikhathi sokuthengisa. … Njengomthetho ojwayelekile, lwela uku hhayi ngaphansi kuka-20% phansi, ikakhulukazi ezimotweni ezintsha - futhi ezingekho ngaphansi kuka-10% phansi ezimotweni ezisetshenzisiwe - ukuze ungagcini ukhokha kakhulu inzalo nezindleko zezimali.
Ingabe i-$ 2000 iyinkokhelo enhle yemoto? Umthetho omuhle wesithupha wokukhokha imali ebolekiwe yemoto entsha 20% yenani lokuthenga. Ukukhokha okungu-20% noma ngaphezulu kuyindlela yokugwema “ukubheka phansi” emalini ebolekiwe yemoto (ukukweleta imoto eningi kunalokho ekufanele).
Ingabe abathengisi bathanda izinkokhelo ezinkulu?
“Eqinisweni kuwukwehlukana, kodwa ezimeni eziningi, abathengisi bayokujabulela ukuthatha imali yakho. Ngaphandle kokungena ku-jargon ngemuva kwayo, inani lesikhathi semali lisho ukuthi imali esesandleni manje ibaluleke kakhulu kunesikhathi esizayo ngenxa yokwehla kwamandla emali. Ngakho-ke, inkokhelo enkulu ephansi ngokuvamile izobangela ukuba amehlo omthengisi akhanye.
Ingabe i-$600 ngoba inkokhelo inkulu kakhulu? Kufanele usebenzise malini emotweni? Uma uthatha imali ebolekiwe ukuze ukhokhele imoto yakho, kuwumqondo omuhle ukukhawulela izinkokhelo zemoto yakho zibe phakathi kuka-10% no-15% womholo wakho oya ekhaya. Uma ugoduka no-$4,000 ngenyanga, ungafuna ukuthi inkokhelo yemoto yakho ibe njalo akukho ngaphezu kwama-$400 kuya ku-$600.
Ingabe ukukhokha imoto engu- $ 500 kukhulu kakhulu?
Imali engu- $ 500 yemoto eyi- cishe ngokwesilinganiso manje. Umqondo "wokuningi" uzoncika kumholo wakho nezindleko zokuphila, izindleko zakho zomshuwalense, nezinye izinto zesabelomali.
Ngabe i-700 iningi kakhulu ekukhokheleni imoto?
Ngokusho kochwepheshe, inkokhelo yemoto iphezulu kakhulu uma inkokhelo yemoto ikhona ngaphezu kuka-30% wesamba sakho semali engenayo. … Qiniseka ukuthi inkokhelo yemoto yakho ayidluli u-15% -20% wesamba semali yakho engenayo. Lokhu kuzoqinisekisa ukuthi unemali eyanele esandleni ukuze ukhokhele ezinye izikweletu, izikweletu zezinsiza, nezindleko zasendlini.
Yini okungafanele uyisho kumthengisi wezimoto? Izinto Eziyi-10 Ongafanele Uzisho Kumthengisi Wezimoto
- “Ngiyithanda ngempela le moto”…
- “Angazi kangako ngezimoto”…
- “Ukuhweba kwami kungaphandle”…
- "Angifuni ukuyiswa kubahlanzayo"…
- “Isikweletu sami asisihle kangako”…
- “Ngikhokha imali”…
- “Ngidinga ukuthenga imoto namhlanje”…
- "Ngidinga inkokhelo yanyanga zonke engaphansi kwama- $ 350"
Ingabe inzalo engu-3% yemali mboleko ilungile? Noma yini engaphansi noma engaphansi kuka-3% iyinani lemali ebolekiwe elihle kakhulu. Futhi uma uphansi, izinga lakho le-mortgage, imali eningi ongayonga phakathi nokuphila kokubolekiwe. … Njengoba ubona, iphesenti elilodwa nje lephuzu lingakongela cishe u-$50,000 ezinkokhelweni zenzalo yemali mboleko yakho.
Ingabe i-2.875 iyinani elihle?
Yebo, Amaphesenti angu-2.875 yinani elihle kakhulu lokubolekwa kwempahla. Yingxenye nje yephoyinti lephoyinti ephakeme kunesilinganiso semali mboleko ephansi kunazo zonke ezake zarekhodwa emalini ebolekiwe enesilinganiso esingaguquki seminyaka engu-30.
Kungani i-mortgage yeminyaka engama-30 ingcono? Ngoba i-mortgage yeminyaka engama-30 inesikhathi eside, izinkokhelo zakho zanyanga zonke zizoba ngaphansi futhi izinga lakho lenzalo emalini ebolekiwe lizoba phezulu. Ngakho-ke, esikhathini esiyiminyaka engama-30 uzokhokha imali encane njalo ngenyanga, kodwa futhi uzokhokha isikhathi esiphindwe kabili futhi unikeze ibhange izinkulungwane zenzalo.
Ingakanani i-APR eningi kakhulu?
Anything ngaphansi kuka-18% ishibhile uma kuqhathaniswa nokuthambekela kwemakethe. Noma yini engaphezu kuka-20% ibheke ohlangothini olubizayo. Uma ukhokha ibhalansi yakho inyanga ngayinye i-APR ngeke ibaluleke kangako. Nokho, uma ukhohlwa ukuyikhokha futhi ukhokha i-APR ephezulu, izindleko zenzalo zizokwenyuka.
Ingabe u-29.99 uyisilinganiso senzalo esihle? Vera othandekayo, Kuyiqiniso elidabukisayo ukuthi umuntu angenza umonakalo omkhulu ngokushesha kumaphuzu akhe esikweletu. Nokho, okuphambene kuyiqiniso uma uzama ukwakha isipele sekhredithi.
Liyini izinga le-APR elibi?
Ama-APR Amahle Ekhadi Lesikweletu Ngesikolo Sesikweletu
Ama-APR Ekhadi Lesikweletu Amahle Angezansi | Isilinganiso Sesikweletu | Isilinganiso sezinga |
---|---|---|
19% | Good | 700-749 |
21% | Okufanelekile/Kunomkhawulo | 640-699 |
18% | Bad | 300-639 |
Dec 6, 2021
Ingakanani imali okufanele uyibeke phansi ku-$10000 ngoba? Uma ukwazi ukubeka phansi, kungcono, futhi akukaze kube buhlungu ukuba nemoto endala ozohwebelana ngayo. Ake sithi uxhasa ngezimali imoto ka-$10,000, futhi umabolekisi ucela 10% phansi inkokhelo; uzodinga ukubeka phansi u-$1,000 ngaphambili. Uma uhweba futhi imoto yakho ibiza u-$500, uzodinga ukukhokha imali engu-$500.
Ingabe i- $ 1000 iyinkokhelo enhle yemoto?
Uma ufuna ukuthenga imoto esetshenzisiwe cishe u- $ 10,000, khona-ke u- $ 1,000 uyinkokhelo enhle ephansi. Kunconywa kabanzi ukuthi ubeke phansi okungenani i-10% ye- inani lemoto ukukhulisa amathuba okuthola imvume yokubolekwa imali, nokunciphisa izindleko zakho zenzalo.
Kufanele ngibeke malini emotweni ye-60k? Njengomthetho ojwayelekile, kufanele ukhokhe Amaphesenti angama-20 yenani lentengo imoto njengenkokhelo ephansi.