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.
Ngokufanayo, Ngingathola i-mortgage 5x umholo wami? Ngingathola imali yokubolekwa kwezindlu ngomholo ophindwe ka-5? Yebo. Nakuba kuyiqiniso ukuthi iningi lababolekisi bezindlu ezibolekiwe bavala inani lemali ongayiboleka ngokusekelwe emalini oyitholayo izikhathi ezingu-4.5, kunenani elincane labahlinzeki bezindlu ezibolekiwe abazimisele ukwelula iholo lakho liphindwe kahlanu.
Yimalini okufanele uyenze ukuze uthenge indlu engu-$300000? Lokhu kusho ukuthi ukukhokhela indlu engu-$300,000, uzoyidinga $60,000.
Iyiphi imali yokubolekwa kwendlu engingayikhokhela ngomholo wama-80k? Umthetho wegolide ekunqumeni ukuthi ingakanani indlu ongakwazi ukuyikhokhela ukuthi inkokhelo yakho yenyanga yonke ye-mortgage akufanele idlule ku-28% wesamba sakho semali engenayo 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.
Okwesibili Ingakanani indlu engingayikhokhela iholo lika-50k? Umuntu owenza u-$50,000 ngonyaka angase akwazi ukuthenga 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.
Ungakwazi yini ukuboleka izikhathi ezingu-7 zomholo wakho?
ABAZIZINI bangakwazi ukuboleka imali ephindwe kasikhombisa yomholo wabo ngesivumelwano esisha se-mortgage. Abathengi kudingeka bacabangele imibandela yokufaneleka nokuthi ingabe iyindlela engcono kakhulu kubo - nakhu konke odinga ukukwazi mayelana nesivumelwano semali mboleko.
bese Ngingaboleka izikhathi ezi-5.5 zomholo wami? Ngingathola imali mboleko ephindwe ka-5.5 kumholo wami? Yebo, lokhu kungenzeka. Ababolekisi abathile kuphela abazokunikeza imali mboleko engu-5.5 iholo lakho futhi isinqumo sabo sizoncika kakhulu ezimweni zakho zomuntu siqu.
Ngidinga malini ukuze ngithole i-mortgage ye-300 UK? Abahlinzeki abaningi bakulungele ukuboleka imali efika ku-000 - 4x imali yakho yonyaka, okusho ukuthi kulokhu uzodinga ukuletha ekhaya okungenani £ 66,667 75,000 - £ XNUMX ngonyaka (imali engenayo ehlanganisiwe izosetshenziswa uma ufaka isicelo semali ebolekiwe ngokuhlanganyela).
Ingakanani imali ye-mortgage yeminyaka engama-30 ku-200?
Ngemali ebolekiwe engu-$200,000, engu-30 enenani lenzalo egxilile engu-4%, inkokhelo yakho yanyanga zonke izophuma $954.83 — kungabali izintela noma umshwalense.
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Izinkokhelo zanyanga zonke zempahla ebanjiswayo engu- $ 200,000.
Inani lenzalo | Inkokhelo yanyanga zonke (iminyaka eyi-15) | Inkokhelo yanyanga zonke (iminyaka eyi-30) |
---|---|---|
5.00% | $1,581.59 | $1,073.64 |
• Jan 4, 2022
Ingakanani imali yokubolekwa engingathola ngesikolo sesikweletu esingu-650? Ngamaphuzu esikweletu angu-650, izinga lakho lenzalo yemali ebolekiwe lingaba cishe 3.805%, okungakubiza cishe u-$203,541 ngenzalo emalini ebolekiwe engu-$300,000, engu-30. Uma ungase ukhuphule isikolo sakho sekhredithi ngisho namaphuzu angu-30, uzomele wonge ngaphezu kuka-$25,000.
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.
Iyiphi indlu engingayithenga ngeholo lika-90k? Ngenza u-$90,000 ngonyaka. Ingakanani indlu engingayithenga? Ungakwazi ukukhokhela inendlu engu-$306,000.
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-75k?
Ngenza u-$75,000 ngonyaka. Ingakanani indlu engingayithenga? Ungakwazi ukukhokhela inendlu engu-$255,000.
Iyiphi indlu ongayithenga ngeholo lika-40k? 5. I-Mortgage ka-Dave Ramsey
Imali Ephelele | Ukuya Ekhaya Kwanyanga zonke | Inkokhelo yanyanga zonke enkulu |
---|---|---|
$30,000 | $1,875 | $468 |
$40,000 | $2,500 | $625 |
$50,000 | $3,125 | $781 |
$60,000 | $3,750 | $937 |
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”.
Iyiphi imali yokubolekwa kwendlu engingayikhokhela ngomholo wama-70k?
Ngakho-ke uma uhola u-$70,000 ngonyaka, kufanele ukwazi ukusebenzisa okungenani u-$1,692 ngenyanga - futhi kufika ku-$2,391 ngenyanga - ngendlela yezinkokhelo zerenti noma zezindlu.
Ngingayithola kanjani imali ye-mortgage ephansi yeholo eliphezulu? Ngingawathuthukisa kanjani amathuba ami okuthola imali ebolekiwe ngemali engenayo ephansi?
- Hlola isikolo sakho sesikweletu. Kanye nomholo wakho, ababolekisi bazobheka amaphuzu akho esikweletu. …
- Zijwayeze ngeholo lakho. …
- Khetha isikhathi esingcono kakhulu. …
- Bonisa ngomsebenzi wakho. …
- Beka idiphozithi enkulu. …
- Sebenza nomthengisi wezindlu.
Kungani ngiboleka izikhathi ezi-4 kuphela ngomholo wami?
Imvamisa, uma ufuna ukuboleka kakhulu, kudingeka idiphozithi enkulu. Ngakho-ke ukuze uboleke inani lemali ebolekiwe elilinganiselwe emholweni ophindwe ka-4, uzodinga idiphozithi enkulu kunaleyo uma ukhethe ukubolekwa imali komholo ka-3 x.
Ungakwazi yini ukuthola imali ebolekiwe engu-7x? Abathengi basekhaya manje bangakwazi ukuboleka 7 IZIKHATHI iholo nge mortgage umbolekisi Habito… kodwa kufanele balungise okungenani iminyaka eyi-15. Buyekeza ngomhla ka-26 Januwari 2022: U-Habito usevele enyuse amanye amanani emali mboleko afakwe kulesi sihloko. … Ngokuvamile, amabhange avumela ukuboleka kuze kufike ku-4.5 izikhathi zomholo ohlangene wabenzi bezicelo.
Ingakanani imali yokubolekwa kwendlu engingayithola ngokusekelwe emholweni?
Umthetho wama-28% uthi kufanele usebenzise u-28% noma ngaphansi wesamba semali engenayo yanyanga zonke ekukhokheleni indlu yakho (isb. uthishanhloko, inzalo, izintela kanye nomshwalense). Ukunquma ukuthi ungakhokha malini usebenzisa lo mthetho, phindaphinda imali yakho yonke yenyanga yonke ngo-28%.
Ngabe amabhange azoboleka iholo eliphindwe ka-4.5? Ababolekisi abaningi bazobolekisa 4.5 izikhathi ngomholo wonyaka kungakhathaliseki ukuthi uqashiwe, isisebenzi esizimele, usonkontileka noma umqondisi wenkampani elinganiselwe.
Ingabe ama-mortgage broker angakuthola imali mboleko enkulu?
Ukukhuluma nomthengisi: Abanye ababolekisi bangakunikeza i-mortgage enkulu kunabanye, futhi nabadayisi bangakwazi ukuthola ukuthi yibaphi abangaboleka kakhulu.