Izikweletu Zezindlu Zezinga Elilungisekayo Ziyaqala
Okudume Kakhulu Kakhulu Namuhla
05/19/2022
Ngokusho kwe-Mortgage Bankers Association, izimfuno zemali ebolekiwe eshintshwayo, noma ama-ARM, zifinyelele eminyakeni engu-14 ephezulu ngesonto eledlule.Njengoba amanani enzalo enyuka, ababoleki baqala ukufuna izinketho ezishibhile ukuze babhekane nezindleko ezikhulayo zokuboleka.
Kodwa njengoba izinga lenzalo likhuphuka, ingabe lezi zindlu ezibolekiwe zizophinde zibe yinkinga njengoba zenza ekuweni kwezindlu ngaphambi koKuwohloka Okukhulu Komnotho?Ngokusho kongoti, akwenzeki ngoba lezi zimali ezibolekiwe ziqinile kunezidlule, kodwa kungenzeka ukuthi azifanele wonke umuntu.
Ngokusho kwabanye ochwepheshe, njengoba kwakulula kakhulu ukuthola imali ebolekiwe ngaphambili, abanye ababolekayo babeqamba amanga ngemali yabo engenayo futhi ngokuvamile bathole izikweletu zezindlu kalula.Kodwa namuhla, kuya ngokuya kuqina.
NgokukaFreddie Mac., amanani emali ebolekiwe engaguquki yeminyaka engu-30 afinyelele ku-5.3% ngesonto eledlule, okuyizinga eliphezulu kakhulu kusukela ngoJulayi 2009 futhi akhuphuka esuka ku-3.22% ngesonto lokuqala lonyaka.Izikweletu ezimisiwe zeminyaka engu-30 ziyimalimboleko edume kakhulu yokuthenga ikhaya.
Ngokomlando, ama-ARM abe enye indlela ekhangayo yababolekayo abafuna isilinganiso esiphansi sokuqala uma kuqhathaniswa nezikweletu zesilinganiso esinqunyiwe zendabuko.
Ngokungafani nemali ebolekiwe yendabuko, enezinga lenzalo eligxilile laso sonke isikhathi semalimboleko, inkokhelo ye-ARM ingashintshashintsha ngokuhamba kwesikhathi.Izinga lenzalo lihlelwa kabusha ngemva kwesikhathi okwakuvunyelwene ngaso ngaphambili futhi lizobonisa izimo zesilinganiso senzalo, okuholela ezinkokhelweni eziphakeme noma eziphansi zanyanga zonke.
Ama-ARM anamuhla ahlukile kunawango-2008 ngoba alawulwa ngokuqinile.Imithetho emisha yokulungiswa kwesilinganiso sesilinganiso sesilinganiso, esikhawulela ukukhushulwa kwamaphesenti isikhathi ngasinye kanye nempilo yemali mboleko, okunciphisa ingcuphe yokushaqeka kwenkokhelo okungenzeka ababoleki bahlangabezane nayo.Amazinga esikweletu nemali engenayo nawo aqine kakhulu, avumela ababolekisi ukuthi baqinisekise ukuthi i-ARM izoba yisixazululo sesikhathi eside esithengekayo sababolekayo.
Njengoba amanani emali ebolekiwe afinyelela ku-5%, abathengi abaningi ngokwengeziwe bangena emalini ebolekiwe eshintshashintshayo.Ngokusho kwe-Mortgage Bankers Association, isabelo se-ARM siphakeme ngokuphindwe kathathu kunasekuqaleni kuka-2022.
Ubani okufanele athole i-ARM?
Uma ababolekayo befuna inani eliphansi, i-mortgage enesilinganiso esishintshayo ingaba yithuba elihle lokuthola ikhefu enkokhelweni yabo yanyanga zonke - kodwa ngeke ihlale.
Ngokusho kwabanye ochwepheshe, abathengi bokuqala bangasebenzisa amanani enzalo ephansi ye-ARM ngesikhathi esinqunyiwe ngaphambi kokuba bahwebe.Kodwa ngaphambi kokuthatha noma isiphi isinyathelo, ababoleki abacabangela imali ebolekayo enenani elishintshayo kufanele benze umsebenzi wabo wesikole ngempela futhi basebenzise umshini wokubala we-amortization ukuze bahlole ukuthi izinkokhelo zabo zezindlu ezibolekayo zingashintsha kanjani eminyakeni eyisithupha nokuthi bangakwazi yini ukukhokha.
Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.
Isikhathi sokuthumela: May-19-2022