Iminyaka engama-30 yemali-mboleko emiselweyo lukhetho oludumileyo noluhlala luhleli kubathengi bezindlu abafuna uzinzo kunye nokuqikelelwa kwiintlawulo zabo zenyanga zokubambisa.Kwesi sikhokelo sibanzi, siphonononga iimpawu, iingenelo, kunye neengqwalasela ezinxulumene ne-30 yeminyaka yemali-mboleko emiselweyo yeminyaka engama-30, ebonelela ngemibono exabisekileyo kwabo bajonga umhlaba wenkxaso-mali yekhaya.

Iimpawu eziphambili ze-30-year Fixed Rate Mortgage

1. Izinga leNzala engaguqukiyo

Olona phawu lubalulekileyo lwemali-mboleko yeminyaka engama-30 yemali-mboleko yemali-mboleko yimali-mboleko ezinzileyo nengatshintshiyo kuyo yonke ixesha lemali-mboleko.Oku kungaguquguquki kubonelela ababoleki ngokuqikelelwa kwiintlawulo zabo zenyanga, nto leyo eyenza kube lula ukwenza uhlahlo lwabiwo-mali nokucwangcisa ixesha elide.

2. Ixesha elongeziweyo leMali-mboleko

Ngexesha leminyaka engama-30, olu khetho lwe-mortgage lunika ixesha lokubuyisela elandisiweyo xa kuthelekiswa neemali mboleko zexesha elifutshane.Nangona oku kuthetha ukuhlawula inzala kwixesha elongeziweyo, kukwakhokelela kwiintlawulo eziphantsi zenyanga, okwenza ukuba ubunini bezindlu bufikeleleke kuluhlu olubanzi lwabantu.

3. IiNtlawulo zeNyanga eziLungela uHlahlo-lwabiwo-mali

Ixesha lemali-mboleko elandisiweyo linegalelo kwiintlawulo ezifikelelekayo zenyanga, iadvanteji engundoqo kubathengi abanezindlu ezinemiqobo yohlahlo lwabiwo-mali.Iintlawulo ezisezantsi zenyanga ezinxulumene ne-30 yeminyaka esisigxina ye-mortgage inokukhulula izibonelelo zemali kwezinye izinto eziphambili, ukuphucula ukuguquguquka kwezemali ngokubanzi.

4. Inzala yoZinzo

Uzinzo lwezinga lenzala lukhusela ababoleki ekuguquguqukeni kweemarike.Ngelixa izinga lenzala kwi-adjustable-rate mortgages (ARMs) linokunyuka okanye liwe phantsi kweemeko zemarike, iqondo elimiselweyo kwi-mortgage yeminyaka engama-30 lihlala lingaguquki, libonelela ababoleki ngemvakalelo yokhuseleko lwezemali.

5. IiNzuzo zeRhafu ezinokubakho

Inzala ehlawulwe kwi-mortgage idla ngokutsalwa irhafu, kwaye iintlawulo zenzala ezingaguqukiyo kwixesha leminyaka engama-30 zinokufaka isandla kwiinzuzo zerhafu ezinokubakho kubaninimzi.Kuyacetyiswa ukuba udibane nengcali yerhafu ukuze uqonde iziphumo ezithile kwiimeko zezimali zomntu ngamnye.

Izinto ezilungileyo ze-30-Year Fixed Rate Mortgage

1. Ukuzinza kunye nokuqikelela

Inzuzo ephambili ye-30 yeminyaka ye-mortgage ye-fixed-rate-rate yizinzo kunye nokuqikelelwa kwangaphambili.Abathengi basekhaya bayazuza ekwazini ukuba iintlawulo zabo zokubolekwa kwezindlu ziya kuhlala zingatshintshi kubomi bemboleko, ukubonelela ngenqanaba lokhuseleko lwezemali.

2. IiNtlawulo zeNyanga eziphantsi

Ixesha lemali-mboleko elandisiweyo likhokelela kwiintlawulo eziphantsi zenyanga xa kuthelekiswa nezindlu zokubambisa zexesha elifutshane.Oku kufikeleleka kuluncedo ngakumbi kubantu abaqalayo ukuthenga izindlu okanye abo banemiqobo yohlahlo lwabiwo-mali.

3. Ukucwangciswa kwexesha elide

Ixesha elimiselweyo leminyaka engama-30 livumela ukucwangciswa kwemali kwexesha elide.Ababoleki banokucwangcisa iimali zabo ngokuzithemba, besazi ukuba iintlawulo zabo zezindlu zokuhlala ziya kuhlala zilawuleka kwithuba lokuhlawula elongeziweyo.

4. UkuFikelela okuBanzi

Iintlawulo ezisezantsi zenyanga zenza ukuba ubunini bezindlu bufikeleleke kuluhlu olubanzi lwabantu.Oku kufikeleleka kunenzuzo ngakumbi kwiimarike zendawo yokuhlala apho ixabiso lepropati linokuba phezulu, livumela abantu abaninzi ukuba bangene kwimarike yezindlu.

Iingqwalaselo kunye neZiphene ezinokuthi zibe kho

1. Inzala iyonke ehlawulwe ngokuhamba kwexesha

Ngelixa iintlawulo zenyanga ezisezantsi ziluncedo, kubalulekile ukuqwalasela inzala epheleleyo ehlawulweyo kwisithuba seminyaka engama-30.Ababoleki baya kuhlawula ngaphezulu kwinzala xa kuthelekiswa nemali-mboleko yexesha elifutshane, okuchaphazela ixabiso elipheleleyo lobunini-khaya.

2. Equity Build-Up

Ixesha lemali-mboleko elandisiweyo likwathetha ukwakhiwa kancinci kancinci kwe-equity yezindlu xa kuthelekiswa neemali-mboleko zexesha elifutshane.Abanini bezindlu abajonge ukwakha ubulungisa ngokukhawuleza banokujonga ezinye iindlela zokuboleka imali.

3. Iimeko zeMarike

Ababoleki kufuneka baqaphele iimeko zemarike ezikhoyo xa bekhetha intlawulo yemali-mboleko emiselweyo.Ngelixa uzinzo lwezinga elimiselweyo luyinzuzo, kubalulekile ukuhlola iintsingiselo zenzala kunye neemeko zoqoqosho ngexesha lokuqaliswa kwemboleko.

Ngaba iminyaka engama-30 yokubolekwa kweMali eZinzileyo ikulungele wena?

Ukumisela ukuba i-30-iminyaka ye-mortgage ye-mortgage ye-mortgage yinto efanelekileyo kuxhomekeke kwiinjongo zemali kunye neemeko.Qwalasela ezi nkalo zilandelayo:

1. Uzinzo lwemali

Ukuba uzinzo kunye nokuqikelelwa zizinto eziphambili eziphambili, kwaye ukuhamba kwemali rhoqo ngenyanga kuqwalaselwe, i-30-year fixed rate-mortgage inokufaneleka.

2. Izicwangciso Zexesha elide

Abantu abanezicwangciso zexesha elide zobunini bezindlu abaxabisa iintlawulo zenyanga eziphantsi banokufumana olu khetho lwe-mortgage luhambelana neenjongo zabo.

3. UVavanyo lweMarike

Vavanya iimeko zemarike zangoku kunye neendlela zenzala.Ukuba imilinganiselo ekhoyo ilungile, ukutshixeka kwisantya esimiselweyo kunokuba luncedo.

4. Ukubonisana neeNgcali ze-Mortgage

Ukufuna isikhokelo kwiingcali zokuboleka imali kunokubonelela ngemibono eyenzelwe wena.Abacebisi nge-mortgage banokuhlola iimeko zemali ngabanye kwaye bacebise ezona ndlela zifanelekileyo zokuboleka imali.

Ukuqukumbela

I-30 yeminyaka ye-mortgage ye-fixed-rate-mortgage yindlela evavanyiweyo kwaye yamkelwe ngokubanzi enikezela uzinzo, iintlawulo eziphantsi zenyanga, kunye nokufikeleleka kumninimzi.Njengaso nasiphi na isigqibo sezemali, ukuqwalaselwa ngenyameko kweenjongo zomntu ngamnye, uzinzo lwemali, kunye neemeko zemarike kubalulekile.Ngokuqonda iimpawu, izinto eziluncedo, kunye neengqwalaselo ezinxulumene neminyaka engama-30 yemali-mboleko emiselweyo yeminyaka engama-30, abo baza kuthenga izindlu banokwenza izigqibo ezizizo ezihambelana neenjongo zabo zemali zexesha elide.