08/21/2023

Xa kuthengwa indlu, sihlala sidinga ukuqwalasela iintlobo ezahlukeneyo zeemali-mboleko, kubandakanywa iintlobo ezimbini eziphambili: iimali mboleko ezisisigxina kunye nemali mboleko ehlengahlengiswayo.Ukwazi umahluko phakathi kwezi ntlobo zimbini kubalulekile ekwenzeni esona sigqibo semali-mboleko.Kweli nqaku, siza kuntywila kuncedo lwemali-mboleko yemali emiselweyo, sijonge iimpawu zexabiso lemali-mboleko enokuhlengahlengiswa, kwaye sixoxe ngendlela yokubala iintlawulo zakho zokubambisa.

Izibonelelo zeMali yokubolekwa kwezindlu ngexabiso elimiselweyo
Iimali-mboleko ezimiselweyo zezinye zezona ntlobo zixhaphakileyo zemboleko kwaye ngokuqhelekileyo zinikezelwa kwi-10-, 15-, 20-, kunye ne-30 yeminyaka.Inzuzo ephambili ye-mortgage yezinga elimiselweyo ukuzinza kwayo.Nokuba izinga lenzala yemarike liyaguquguquka, inzala yemali-mboleko ihlala injalo.Oku kuthetha ukuba ababoleki bayakwazi ngqo ukuba baya kuhlawula malini ngenyanga nganye, okubavumela ukuba bacwangcise ngcono kwaye balawule uhlahlo lwabiwo-mali lwabo lwezemali.Ngenxa yoko, iimali-mboleko zexabiso elimiselweyo zithandwa ngabatyali-mali abachasayo umngcipheko kuba zikhusela ekunyukeni kwenzala enokuthi yenzeke kwixesha elizayo.Iimveliso eziCetyisiweyo:Imali-mboleko yoLuntu ye-QM,I-DSCR,Isiteyithimenti sebhanki.

Uhlahlelo lweReyithi eLungiselelayo yokubolekwa kwezindlu
Ngokwahlukileyo, iimali zokubolekwa kwezindlu ezihlengahlengiswayo (ii-ARM) zintsokothile kwaye zibonelela ngeendlela ezinje nge-7/1, 7/6, 10/1 kunye ne-10/6 ye-ARM.Olu hlobo lwemali mboleko lubonelela ngenzala emiselweyo ekuqaleni, emva koko inzala ihlengahlengiswa ngokweemeko zemarike.Ukuba iireyithi zemarike ziyehla, ungabhatala inzala encinci kwi-mortgage ehlengahlengiswayo.

Umzekelo, kwi-7/6 ARM, “7″ imele ixesha lokuqala lomlinganiselo omiselweyo, okuthetha ukuba inzala yemali-mboleko ihlala ingatshintshi kwiminyaka esixhenxe yokuqala.I-“6” imele ukuphindaphindwa kohlengahlengiso lwemilinganiselo, ebonisa ukuba izinga lemali-mboleko lihlengahlengiswa rhoqo kwiinyanga ezintandathu.

Omnye umzekelo wale "7/6 ARM (5/1/5)", apho "5/1/5" kwizibiyeli ichaza imithetho yohlengahlengiso lwemilinganiselo:
· Eyokuqala i-“5” imele eyona pesenti iphezulu yokuba izinga linokulungelelanisa okokuqala, okukunyaka wesixhenxe.Ngokomzekelo, ukuba izinga lakho lokuqala liyi-4%, ngoko ke kunyaka wesixhenxe, izinga linganyuka ukuya kwi-4% + 5% = 9%.
· I-“1” imele eyona pesenti iphezulu enokuthi ireyithi ilungelelaniswe ixesha ngalinye (rhoqo kwiinyanga ezintandathu) emva koko.Ukuba izinga lakho laliyi-5% kwixesha elidlulileyo, ngoko emva kokulungelelaniswa okulandelayo, izinga linganyuka ukuya kwi-5% + 1% = 6%.
· Eyokugqibela “5” imele eyona pesenti iphezulu yokuba ireyithi inokunyuka kubomi bemali-mboleko.Oku kuhambelana nezinga lokuqala.Ukuba umlinganiselo wakho wokuqala wawuyi-4%, ngoko ke ngaphezu kwexesha lonke lemali mboleko, izinga aliyi kudlula i-4% + 5% = 9%.

Nangona kunjalo, ukuba izinga lemarike liyenyuka, kungafuneka uhlawule inzala eninzi.Likrele elintlangothi-mbini eli;ngelixa inokuba neenzuzo ezongezelelweyo, iphinda iza nemingcipheko ephezulu.Iimveliso eziCetyisiweyo:UDoc ogcweleyo Jumbo,WVOE&I-P&L ezilungiselelwe ngokwakho.

Uyibala njani iNtlawulo yakho yokubolekwa kwezindlu
Nokuba ukhetha luphi uhlobo lwemali-mboleko, kubalulekile ukuqonda ukuba intlawulo yemali-mboleko yakho ibalwa njani na.Inqununu yemali-mboleko, izinga lenzala kunye nexesha zizinto eziphambili ezichaphazela isixa-mali sokubuyisela.Kwimali-mboleko emiselweyo, njengoko izinga lenzala lingatshintshi, iintlawulo nazo zihlala zinjalo.

1. INqununu eLinganayo kunye neNdlela yoMdla
Inqununu elinganayo kunye nendlela yenzala yindlela yokubuyisela eqhelekileyo, apho ababoleki babuyisela inani elifanayo lenqununu kunye nenzala ngenyanga nganye.Kwinqanaba lokuqala lemboleko, uninzi lwembuyekezo luya kwinzala;Kwinqanaba lamva, uninzi lwayo luya kwimbuyekezo eyintloko.Isixa sentlawulo yenyanga singabalwa kusetyenziswa le fomula ilandelayo:
Isixa seNyanga seMbuyiselo yenyanga = [INqununu yeMali-mboleko x iNzala yeNyanga x (1+Inzala yenyanga)^IXesha leMali-mboleko] / [(1+INzala yeNyanga)^IXesha leMali-mboleko - 1]
Apho izinga lenzala lenyanga lilingana nenzala yonyaka eyahlulwe nge-12, kwaye ixesha lemali-mboleko lixesha lemali-mboleko kwiinyanga.

2. Indlela yeNqununu eLinganayo
Umgaqo wendlela elinganayo yenqununu kukuba intlawulo yentlawulo yenqununu ihlala injalo nyanga zonke, kodwa inzala iyancipha qho ngenyanga ngokucuthwa ngokuthe ngcembe kwenqununu engekahlawulwa, kungoko isixa-mali sentlawulo yenyanga sehla ngokuthe ngcembe.Isixa sentlawulo yenyanga yenyanga singabalwa kusetyenziswa le fomula ilandelayo:
Imbuyekezo yenyanga yenyanga = (iNqununu yeMali-mboleko / iXesha leMali-mboleko) + (iNqununu yeMali-mboleko – iNqununu eBuyiselweyo iyonke) x iNzala yeNyanga
Apha, iyonke inqununu ebuyisiweyo sisimbuku senqununu ebuyisiweyo kwiinyanga (n-1).

Nceda uqaphele ukuba le ndlela yokubala ingentla yeyomlinganiselo wemali mboleko kuphela.Kwimali-mboleko ehlengahlengiswayo, ubalo lunzima kakhulu kuba izinga lenzala linokutshintsha ngokweemeko zemarike.

Ngelixa ingqikelelo yomlinganiselo omiselweyo kunye nohlengahlengiso lwemali-mboleko yokubambisa ilula noko, kukho iingqwalasela ezibalulekileyo.Umzekelo, intlawulo yemali-mboleko emiselweyo ibonelela ngembuyekezo ezinzileyo, kodwa usenokungakwazi ukuthatha ithuba lomlinganiselo ophantsi ukuba amaxabiso emalike ayehla.Kwelinye icala, ngelixa intlawulo yemali-mboleko ehlengahlengiswayo inokubonelela ngexabiso lenzala elisezantsi, unokuba phantsi koxinzelelo lwembuyekezo ephezulu ukuba izinga lemarike liyenyuka.Ngoko ke, ababoleki kufuneka balinganise ukuzinza kunye nomngcipheko, bahlalutye i-dynamics yemarike nzulu, kwaye benze izigqibo ezifanelekileyo.

Xa ukhetha phakathi komyinge wemali-mboleko emiselweyo okanye eguquguqukayo, kubalulekile ukuqwalasela imeko yakho yezemali, ukunyamezela umngcipheko, kunye neemeko zemarike.Funda umahluko, okulungileyo kunye nokubi, kwaye ufunde ukubala njani intlawulo yakho yokubambisa.Olu lwazi lubalulekile ekuphuhliseni isicwangciso esifanelekileyo sokuboleka imali.Siyathemba ukuba ingxoxo kweli nqaku ikuncede ukuba uqonde ngcono kwaye ukhethe eyona mboleko ilungileyo kwiimfuno zakho.

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.