10/18/2023

Ukukhetha uhlobo oluchanekileyo lwe-mortgage sisigqibo esibalulekileyo esinokuchaphazela kakhulu ikamva lakho lezemali.Iinketho ezimbini ezithandwayo yi-mortgage-rate-mortgage (FRM) kunye ne-adjustable-rate mortgage (ARM).Kwesi sikhokelo, siza kuphonononga iiyantlukwano eziphambili phakathi kwezi ntlobo zimbini zokubambisa kwaye sinike ulwazi malunga nendlela yokwenza ukhetho olunolwazi olusekwe kwimeko yakho yemali eyodwa.

Ukuqonda ukubolekwa kweMali-mboleko eZinzileyo (FRM)

Ingcaciso

Imali-mboleko yemali-mboleko luhlobo lwemali-mboleko apho izinga lenzala lihlala lingatshintshi kulo lonke ixesha lemali-mboleko.Oku kuthetha ukuba inqununu yakho yenyanga kunye neentlawulo zenzala zihlala zingatshintshi, zibonelela ngokuqikelelwa kunye nokuzinza.

IiPros

1. Iintlawulo eziqikelelwayo: Ngemali eqingqiweyo yemali-mboleko, iintlawulo zakho zenyanga ziqikelelwa kwaye aziyi kutshintsha ekuhambeni kwexesha, nto leyo eyenza kube lula ukwenza uhlahlo lwabiwo-mali.
2. Uzinzo Lwexesha elide: Inikezela ngozinzo lwexesha elide kunye nokhuseleko ngokuchasene nokuguquguquka kwenzala.
3. Kulula Ukuyiqonda: Ilula kwaye ithe ngqo, ikwenza kube lula kubaboleki ukuqonda imigaqo yemali mboleko yabo.

Ububi

1. Amaxabiso okuqala aPhakamileyo: Ixabiso lemali-mboleko esisigxina lidla ngokuza nenzala ephezulu xa kuthelekiswa namaxabiso eemali mboleko ezilungelelanisiweyo.
2. Ukuguquguquka okungaphantsi: Ukuguquguquka okuncinci xa kuthelekiswa nexabiso lemali yokubambisa elihlengahlengiswayo ukuba izinga lenzala liyehla.

Ukuqonda iMali yokubolekwa kwezindlu (ARM)

Ingcaciso

Ixabiso lemali-mboleko elihlengahlengiswayo yimali-mboleko enenzala enokutshintsha ngamaxesha athile.Utshintsho ludla ngokubotshelelwa kwisalathiso semali esisisiseko kwaye sixhomekeke kuhlengahlengiso lwamaxesha athile olusekwe kwiimeko zemarike.

IiPros

1. Amaxabiso okuQala asezantsi: Ii-ARM zihlala zisiza nenzala ephantsi, okukhokelela kwiintlawulo ezisezantsi zenyanga.
2. Okunokwenzeka kwiiNtlawulo eziPhantsi: Ukuba izinga lenzala liyehla, ababoleki banokuxhamla kwiintlawulo eziphantsi zenyanga.
3. Ukonga ixesha elifutshane: Inokubonelela ngolondolozo lwexeshana elifutshane xa kuthelekiswa nemilinganiselo yemali yokubambisa, ingakumbi kwindawo enenzala ephantsi.

Ububi

1. Ukungaqiniseki kweNtlawulo: Iintlawulo zenyanga zinokuguquguquka, okukhokelela ekungaqinisekini kunye neentlawulo ezinokuthi zibe phezulu ukuba izinga lenzala liyenyuka.
2. Ukuntsokotha: Ukuntsokotha kweemali mboleko ezilungelelanisiweyo, ezinemiba efana nohlengahlengiso kunye namazinga esalathiso, kunokuba ngumngeni kwabanye ababoleki ukuba baqonde.
3. Umngcipheko weRhafu yeNzala: Ababoleki bajongana nomngcipheko wokunyuka kwamaxabiso enzala ngokuhamba kwexesha, okukhokelela kwiindleko zizonke eziphezulu.

Izinto omawuziqwalasele kwisigqibo sakho

1. Iinjongo zemali

• FRM: Ifanelekile kwabo bafuna uzinzo lwexesha elide kunye neentlawulo eziqikelelwayo.
• I-ARM: Ifanele abantu abakhululekileyo kwinqanaba elithile lentlawulo yokungaqiniseki kunye nokufuna ukonga iindleko zexeshana elifutshane.

2. Iimeko zeMarike

• FRM: Ikhethwa kwindawo enenzala ephantsi ukutshixa ngexabiso elifanelekileyo.
• I-ARM: Ithathelwa ingqalelo xa ixabiso lenzala kulindeleke ukuba lihlale lizinzile okanye lehle.

3. Ukunyamezela umngcipheko

• FRM: Ilungele abo banonyamezelo oluphantsi lwengozi abafuna ukunqanda ukuguquguquka kwenzala.
• I-ARM: Ifanele abantu abanokunyamezela umngcipheko ophezulu abakwaziyo ukumelana nokonyuka kwentlawulo.

4. Ubude boBunini

• FRM: Ilungele abo baceba ukuhlala emakhayeni abo ixesha elide.
• I-ARM: Inokufaneleka kwiiplani zobunini bezindlu zexesha elifutshane.

5. Ulindelo lweNzala kwikamva

• FRM: Xa ixabiso lenzala ngokwembali liphantsi okanye kulindeleke ukuba linyuke kwixesha elizayo.
• I-ARM: Xa ixabiso lenzala lizinzile okanye lilindeleke ukuba lihle.

Ukuqukumbela

Ekugqibeleni, ukhetho phakathi kwe-mortgage ye-fixed-rate kunye ne-adjustable-rate-mortgage ixhomekeke kwiimeko zakho, iinjongo zemali kunye nokunyamezela umngcipheko.Ukuvavanya iimeko zeemarike zangoku kunye nokuqwalasela ngokucophelela le miba ikhankanywe ngasentla kuya kukuxhobisa ukuba wenze isigqibo esinolwazi esihambelana nempilo yakho yemali yexesha elide.Ukuba awuqinisekanga, ukubonisana nengcali ye-mortgage kunokunika ulwazi oluxabisekileyo olulungiselelwe imeko yakho ethile.Khumbula, imali-mboleko efanelekileyo yomntu omnye isenokungabi yeyona nto ilungileyo komnye, ke thatha ixesha lokuvavanya ukhetho lwakho kwaye ukhethe leyo ihambelana neemfuno zakho kunye nezinto ozikhethayo.

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.