Njengoko amaxabiso oMdla anamhlanje ehla kancinci,
Refinance Mmhlawumbia Ukhetho olulungile
05/28/2022
Ngokweshedyuli yesantya yanamhlanje, i-15 yeminyaka kunye ne-20 ye-mortgage refinance rates yehla kancinane xa ithelekiswa neveki ephelileyo, ibonelela ngamathuba abalulekileyo okonga kubanikazi bezindlu abavalelayo kwelinye lamaxabiso exeshana elifutshane.Nangona kunjalo, iireyithi zexesha leminyaka engama-30 zisengaphezulu kwe-5%, ngoko ke abanini bezindlu abafuna ukubuyisela imali banokuba neendleko eziphezulu kwixesha elifutshane.
Amaxabiso ezindlu zanamhlanje avumela ababoleki ukuba batshixe ngexabiso eliphantsi.Ababoleki abanokulawula intlawulo ephezulu yenyanga banokuthathela ingqalelo ukutshixa ngexabiso lexesha leminyaka eli-15, eliye lehla nalo.Umyinge weminyaka eli-15 unokubonelela ngakumbi ngolondolozo lwenzala kubaboleki kunezinga lexesha elide.Nokuba yeyiphi na ireyithi ekhethwa ngababoleki, banokufuna ukuthatha inyathelo kwakamsinyane kunokuba bavale umyinge ngaphambi konyuso lwexesha elizayo.
Amaxabiso emali mboleko atshintshe kangakanani ekuhambeni kwexesha?
NgokukaFreddie Mac, amanani enzala namhlanje angaphantsi kowona myinge uphakamileyo wonyaka-16.63% ngo-1981. Ubhubhani we-COVID-19 wahlasela uqoqosho kwihlabathi liphela.Ngo-2019 umyinge wenzala kwimali-mboleko yeminyaka engama-30 yemali-mboleko emiselweyo yayiyi-3.94%, ngelixa ngo-2021, umndilili wemali-mboleko yeminyaka engama-30 yeminyaka engama-30 yemali-mboleko yayisisi-2.96%, owona mndilili uphantsi wonyaka kwiminyaka engama-30.
Ukwehla ngokwembali kwinzala kuthetha ukuba abanini-zindlu abanemali mboleko eqala ngo-2019 okanye ngaphambili banokuqonda ukonga imali yenzala ngokuphinda babonelele ngenye yamaxabiso asezantsi anamhlanje.Kubalulekile ukuqwalasela iindleko zokuvala ezifana novavanyo, isicelo, imvelaphi kunye neentlawulo zegqwetha xa kuqwalaselwa i-mortgage okanye i-refinance.Ukongeza kwixabiso lenzala kunye nesixa semali-mboleko, zonke ezi zinto zinokongeza kwiindleko ze-mortgage.
D iifferences Phakathi kweReyithi yeNzala yeMortgage eZinzileyo kunye neAdjustable
Njengoko iRhafu yeNzala yeMali-mboleko eLungiselelayo isiya ithandwa kakhulu, ababoleki kufuneka baqonde ukuba zichaphazela njani iindleko zenzala?
Imali-mboleko yemali-mboleko esisigxina ayitshintshi kubomi bemali-mboleko, kodwa ithande ukuba phezulu kunenzala elungelelanisiweyo yemali-mboleko.
Inzala yokuqala yemali-mboleko enokuhlengahlengiswa, okanye ii-ARM, ikholisa ukuba ngaphantsi kunemali yokubambisa emiselweyo.Kodwa emva kwexesha lentshayelelo, izinga lenzala yee-ARM liya kutshintsha, kwaye linokunyuka kakhulu.Amaxesha entshayelelo anokwahluka ukusuka kwiinyanga eziliqela ukuya kunyaka okanye kwiminyaka embalwa.Emva kwexesha lentshayelelo, izinga lenzala yababoleki liya kusekelwa kwisalathiso esichazwe ngumbolekisi.Ii-ARM zinokuthi okanye zingathinteli ukuba ungakanani umlinganiselo wenzala wababoleki onokunyuka.
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-28-2022