Intlawulo yemali-mboleko ehlengahlengiswayo
Kufuneka ithathelwe ingqalelo ngababoleki
06/09/2022
Njengoko amaxabiso emali-mboleko kwiiveki zamva nje enyuke ukuya kumanqanaba angakhange abonwe kwisithuba esingaphezulu kweshumi leminyaka, ababoleki-mali mboleko bajonga iindlela zabo zokuxhasa ngemali.Ngokutsho kwe-Mortgage Bankers Association, kwiveki yokuqala kaMeyi, malunga neepesenti ze-11 zezicelo ze-mortgage yayiye-adjustable-rate mortgages (ARMs), phantse kabini isabelo sezicelo ze-ARM kwiinyanga ezintathu ezidlulileyo xa amazinga e-mortgage ayephantsi.
Ngokwezinye iingcali ezinamava, ababoleki ngoku bavuleleke ngakumbi kwii-ARM ngenxa yokonga okunokwenzeka.Imeko nganye yahlukile, kodwa sibona inzala evela okokuqala kwaye siphinda abathengi.Bayanda ababoleki ngokuqinisekileyo baphonononga iinketho zabo ezinxulumene nexabiso lemali yokubambisa elihlengahlengisiweyo ngokuchasene nemilinganiselo yemali yokubambisa.Abathengi abaphindayo bavuleleke ekukhetheni i-ARM, ngelixa uninzi lwabathengi bokuqala bezindlu besaqhuba ngeminyaka engama-30 yokubambisa imali emiselweyo.
Xa amazinga enzala enyuka, ababoleki bafuna i-ARM ngezi zizathu zilandelayo:
Okokuqala, i-ARM iselulutho ukuba ababoleki bayazi ukuba abazukuyiphatha ipropati kangangexesha eliqhelekileyo leminyaka eli-15 okanye engama-30 yemali-mboleko emiselweyo.Okwesibini, ingxelo yafumanisa ukuba ukufikeleleka kwezindlu kuye kwanda kakhulu - kodwa hayi kuyo yonke indawo.Xa amazinga enzala enyuka, ababoleki banokujonga i-ARM ngethemba lokuba amazinga azokwehla kwixesha elizayo.Okwesithathu, abanye ababoleki banokwazi ukuba baya kuba ngabanini bepropati kuphela (okanye bayixhase ngemali) iminyaka emi-5 ukuya kweli-10, besenza i-ARM ilungele isicwangciso sabo sezemali.
Izinto eziluncedo kwii-ARM
Ii-ARM zinenzala ephantsi ngexesha lokuqala (umzekelo, iminyaka emi-5, esi-7 okanye eli-10), ngoko ke intlawulo yenyanga yokubambisa ingaphantsi kakhulu kunemali mboleko emiselweyo yeminyaka engama-30.Nokuba inzala ilungelelaniswe phezulu kwixesha elizayo, ababoleki badla ngokufumana ingeniso eninzi ngelo xesha.Ii-ARM zibonelela ngokungena kwemali okwandisiweyo ngenxa yokuba inzala yemali-mboleko eyayanyaniswa nenxalenye yemali-mboleko yemali-mboleko isezantsi de kuhlengahlengiswe inzala.Ii-ARM ziyakuvumela ababoleki ukuba bafikelele ngokukhululekileyo kwikhaya elibiza kakhulu ngexabiso eliphantsi lokuhlawula.
Izinto ezingeloncedo kwii-ARM
Amaxabiso e-ARM akholisa ukuba ngaphantsi kuneemali mboleko ezimiselweyo.Nangona kunjalo, abaninimzi baya kuba phantsi kweenguqu zemarike kunye nemilinganiselo yenzala engalindelekanga.Ukuba inzala inyuka kakhulu, inokunyusa kakhulu intlawulo yezindlu zababoleki kwaye inokubabeka kubunzima bemali.Akukho mntu wazi kakuhle ukuba kuya kwenzeka ntoni kwinzala.Ukuba izinga lenzala liyenyuka, ababoleki banokuba kweyona ndawo ingcono yemali yokusingatha iintlawulo eziphezulu.Okubi kwi-ARM kunento yokwenza nokungaqiniseki ngekamva lemeko yezinga lenzala.Ukunyuka kwe-2% kwinzala kwimali-mboleko ye-$ 500,000 (ukusuka kwi-4% ukuya kwi-6%) iya kwandisa inqununu kunye nenzala nge-$ 610 ngenyanga.
Zisebenze njani ii-ARM?
Ii-ARM zidla ngokuba neminyaka emi-5, 7, okanye eli-10 lexesha lokuqala lomlinganiselo omiselweyo.Nje ukuba ixesha lomlinganiselo omiselweyo liphelelwe, inzala idla ngokuhlengahlengiswa rhoqo kwiinyanga ezintandathu okanye ngonyaka.
Iireyithi ezimiselweyo zababoleki ziphantsi kwixesha lokuqala lemali-mboleko, ngokuqhelekileyo 5, 7, okanye 10 iminyaka.Ngokuxhomekeke kwimimiselo yemali mboleko yomboleki, izinga lenzala linganyuka nge-2% ngonyaka ekupheleni kwelo xesha, kodwa aliyi kudlula i-5% yobomi bemali-mboleko.Amazinga enzala nawo angehla.Emva kwexesha elimiselweyo lokuqala, iintlawulo ezintsha zababoleki ziya kulungelelaniswa ngokusekelwe kwibhalansi yenqununu ngelo xesha.Ngokomzekelo, inzala inokunyuka nge-2%, kodwa ibhalansi yemali mboleko yababoleki ingahla nge-40,000 yeedola.
Abaxhamli kunye nabangengabo abaxhamli bee-ARM
I-ARM inokuba lukhetho olulungileyo kubaboleki abaziyo ukuba abayi kugcina impahla yabo ixesha elide kunexesha elimiselweyo le-ARM.Ii-ARM lukhetho ukuba lowo ubolekiweyo unesakhono semali sokumelana nokuguquguquka okukhulu kwenzala kunye neentlawulo eziphezulu.Abanye ababoleki baphinde bakhethe ii-ARM ukuba baqinisekile ukuba indlela yangoku yezinga eliphezulu kunye nokunyuka kwenzala ayinakugcinwa kwaye iireyithi ziya kuwa kwaye zibavumele ukuba bahlawule kwixesha elizayo.Nangona kunjalo, uninzi lwababoleki lukhetha ukhuseleko lwezemali lwemveliso yemali-mboleko emiselweyo.
Ukuba ababoleki banokuziphatha kakuhle kwezemali, ii-ARM ziinketho ezinokubakho.Ukuba bathwele isixa esikhulu setyala elinokwenyuka ngokuhamba kwexesha, i-ARM inokuba yingozi kwezemali.Ii-ARM zibonelela ababoleki ngeyona ndlela ibhetele abaziyo ukuba imali-mboleko yabo iya kuba kwipropati kuphela kwixesha elimiselweyo lokuqala.Le meko inqanda ukungaqiniseki kwamazinga enzala kwixesha elizayo.
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: Jun-10-2022