Iimali zokubolekwa kwezindlu ezilungelelanisiweyo ziya
Okungakumbi nangakumbi okudumileyo kule mihla
05/19/2022
Ngokutsho kwe-Mortgage Bankers Association, iimfuno ze-mortgage-rate rate-mortgages, okanye ii-ARM, zibethe i-14 yeminyaka ephezulu kwiveki ephelileyo.Njengoko inzala inyuka, ababoleki baqala ukufuna iindlela ezingabizi kakhulu zokumelana neendleko zokuboleka ezikhulayo.
Kodwa ngokunyuka kwamaxabiso enzala, ngaba ezi zindlu zokubambisa ziya kuba yingxaki kwakhona njengoko zenzayo kwindawo yokuwa kwezindlu ngaphambi kokudodobala koqoqosho?Ngokweengcali, akunakwenzeka kuba ezi mboleko zingqongqo kunezo zangaphambili, kodwa zisenokungafanelanga wonke umntu.
Ngokutsho kwezinye iingcali, njengoko kwakulula kakhulu ukufumana imali mboleko ngaphambili, abanye ababoleki banokuxoka ngengeniso yabo kwaye badla ngokufumana imali yokubambisa ngokulula.Kodwa namhlanje, iya isiba ngqongqo ngakumbi.
Ngokutsho kukaFreddie Mac., Amaxabiso kwi-30-year fixed mortgages afikelela kwi-5.3% kwiveki edlulileyo, inqanaba eliphezulu ukususela ngoJulayi 2009 kunye ne-3.22% kwiveki yokuqala yonyaka.Iimali-mboleko ezisisigxina zeminyaka engama-30 zezona mboleko zidumileyo zokuthenga ikhaya.
Ngokwembali, ii-ARM beziyeyona ndlela inomtsalane kubaboleki abafuna ireyithi yokuqala esezantsi xa kuthelekiswa nemali yokubambisa yesiqhelo.
Ngokungafaniyo nemali-mboleko yemveli, enezinga lenzala esisigxina kulo lonke ixesha lemali-mboleko, intlawulo ye-ARM inokuguquguquka ngokuhamba kwexesha.Inzala iphinda ibekwe kwakhona emva kwexesha ekwakuvunyelwene ngalo ngaphambili kwaye iya kubonisa iimeko zangoku zenzala, okukhokelela kwiintlawulo eziphezulu okanye eziphantsi zenyanga.
Ii-ARM zanamhlanje zahlukile kwezo zango-2008 kuba zilawulwa ngokungqongqo.Imithetho emitsha yohlengahlengiso lwezinga le-cap, enciphisa ukunyuka kwepesenti kwixesha ngalinye kunye nobomi bemali-mboleko, ukunciphisa umngcipheko wokothuka kwentlawulo abanokuthi bafumane aboboleki.Imigangatho yetyala nengeniso nayo iye yaqina ngakumbi, ivumela ababolekisi ukuba baqinisekise ukuba i-ARM iya kuba sisisombululo sexesha elide esifikelelekayo kubaboleki.
Ngemilinganiselo yemali-mboleko efikelela kwi-5%, baya besanda abathengi abanokubakho batsaleleka kwiimali-mboleko ezilungelelanisiweyo.Ngokutsho kwe-Mortgage Bankers Association, isabelo se-ARM siphezulu ngokuphindwe kathathu kunokuqala kuka-2022.
Ngubani ofanele ukufumana i-ARM?
Ukuba ababoleki bajonge ireyithi esezantsi, i-mortgage ehlengahlengiswayo inokuba lithuba elihle lokufumana ikhefu kwintlawulo yabo yenyanga - kodwa ayizukuhlala.
Ngokwezinye iingcali, abathengi bokuqala banokuthatha inzuzo yenzala ephantsi ye-ARM ngexesha elimiselweyo ngaphambi kokuba bathengise.Kodwa ngaphambi kokuba bathathe naliphi na inyathelo, ababoleki abaqwalasela intlawulo yemali-mboleko enokuhlengahlengiswa kufuneka benze umsebenzi wabo wesikolo owenzelwa ekhaya kwaye basebenzise isixhobo sokubala se-amortization ukujonga ukuba intlawulo yemali-mboleko inokuguquguquka njani na kwiminyaka emithandathu kwaye bayakwazi ukuhlawula.
Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.
Ixesha lokuposa: May-19-2022