I-mortgage yezinga elilungisekayo
Kufanele Kucatshangelwe Ngababoleki
06/09/2022
Njengoba amanani emali mboleko emasontweni asanda kwedlula enyukele emazingeni angakaze abonwe esikhathini esingaphezu kweminyaka eyishumi, ababoleka imali yezindlu bacabangela izindlela zabo zokuthola imali.Ngokusho kwe-Mortgage Bankers Association, ngeviki lokuqala likaMeyi, cishe amaphesenti angu-11 ezicelo ze-mortgage kwakungeze-adjustable-rate mortgages (ama-ARM), cishe kabili isabelo sezicelo ze-ARM ezinyangeni ezintathu ezedlule ngesikhathi amanani emali mboleko ayephansi.
Ngokusho kochwepheshe abathile abangomakadebona, ababoleki manje sebevuleleke kakhulu kuma-ARM ngenxa yokonga okungaba khona.Isimo ngasinye sihlukile, kodwa sibona intshisekelo evela kubathengi bokuqala futhi abaphindayo.Ababoleki abaningi ngokwengeziwe babuyekeza izinketho zabo ezihlobene nezikweletu zesilinganiso esishintshayo uma ziqhathaniswa nezikweletu zesilinganiso esinqunyiwe.Abathengi abaphindayo bavuleleke uma kuqhathaniswa ekukhetheni i-ARM, kuyilapho iningi labathengi bezindlu bokuqala lisaqhubeka nezikweletu zeminyaka engu-30 zesilinganiso esinqunyiwe.
Lapho amanani enzalo enyuka, ababoleki bafuna i-ARM ngenxa yezizathu ezilandelayo:
Okokuqala, i-ARM isazuzisa uma ababoleki bazi ukuthi ngeke baphathe indawo isikhathi esivamile seminyaka eyi-15 noma engu-30 semali mboleko enesilinganiso esinqunyiwe.Okwesibili, umbiko wathola ukuthi ukutholakala kwezindlu kuba kubi kakhulu - kodwa hhayi yonke indawo.Uma amanani enzalo enyuka, ababoleki maningi amathuba okuthi bacabangele i-ARM ngethemba lokuthi amanani azokwehla ngokuzayo.Okwesithathu, abanye ababoleki bangase bazi ukuthi bazoba ngabanikazi bendawo kuphela (noma bayixhase ngezimali) iminyaka emi-5 kuya kweyi-10, okwenza i-ARM ibe ilungele uhlelo lwabo lwezezimali.
Izinzuzo zama-ARM
Ama-ARM anezilinganiso zenzalo eziphansi ngesikhathi sokuqala (isb., iminyaka emi-5, engu-7 noma engu-10), ngakho-ke inkokhelo yemali mboleko yanyanga zonke ingaphansi kakhulu kunemali mboleko yesilinganiso esinqunyiwe yeminyaka engama-30.Ngisho noma izilinganiso zenzalo ziba phezulu ngokuzayo, ababoleki ngokuvamile bathola imali engenayo eyengeziwe ngaleso sikhathi.Ama-ARM ahlinzeka ngokugeleza kwemali okukhuphukile ngenxa yokuthi izinga lenzalo elihlobene nengxenye yesilinganiso esinqunyiwe semali ebolekiwe liphansi kuze kube yilapho izinga lenzalo lilungiswa.Ama-ARM azovumela ababoleki ukuthi bakwazi ukukhokhela ngokunethezeka ikhaya elibiza kakhulu ngenani eliphansi lokubuyisela.
Ukungalungi kwama-ARM
Amazinga e-ARM ngokuvamile aphansi kunemali ebolekiwe yesilinganiso esinqunyiwe.Kodwa-ke, abanikazi bezindlu bazoba ngaphansi kokuguquguquka kwemakethe kanye nezilinganiso zenzalo ezingalindelekile.Uma izinga lenzalo likhuphuka kakhulu, lingase linyuse kakhulu izinkokhelo zezindlu zababoleki futhi lingabafaka ebunzimeni bezezimali.Akekho owazi kahle ukuthi kuzokwenzekani ngamanani enzalo.Uma izinga lenzalo likhuphuka, ababoleki bangase babe sesimweni esingcono kakhulu sezezimali sokusingatha izinkokhelo eziphakeme.Okubi ku-ARM kuhlobene nokungaqiniseki kwekusasa lendawo yesilinganiso senzalo.Ukwenyuka ngo-2% kwezilinganiso zenzalo emalini ebolekiwe engu-$500,000 (kusuka ku-4% ukuya ku-6%) kuzokhuphula inhloko nenzalo ngo-$610 ngenyanga.
Asebenze kanjani ama-ARM?
Ama-ARM ngokuvamile anesikhathi sesilinganiso esinqunyiwe seminyaka engu-5, 7, noma engu-10.Uma isikhathi sesilinganiso esinqunyiwe sesiphelelwe yisikhathi, izinga lenzalo livame ukulungiswa njalo ezinyangeni eziyisithupha noma njalo ngonyaka.
Izilinganiso ezigxilile zababoleki ziphansi ngesikhathi sokuqala semalimboleko, ngokuvamile iminyaka emi-5, 7, noma engu-10.Ngokuya ngemibandela yemalimboleko yomboleki, izinga lenzalo lingakhuphuka ngo-2% ngonyaka ekupheleni kwaleyo nkathi, kodwa ngeke lidlule u-5% impilo yonke yemali mboleko.Amazinga enzalo nawo angase ehle.Ngemva kwesikhathi esinqunyiwe sokuqala, izinkokhelo ezintsha zababoleki zizolungiswa ngokusekelwe kubhalansi eyinhloko ngaleso sikhathi.Isibonelo, izinga lenzalo lingase lenyuke ngo-2%, kodwa ibhalansi yemalimboleko yababoleki ingase yehle ngo-$40,000.
Abahlomulayo nabangebona abahlomuli bama-ARM
I-ARM ingase ibe inketho enhle kubaboleki abaziyo ukuthi ngeke bagcine impahla yabo isikhathi eside kunesikhathi sesilinganiso esimisiwe se-ARM.Ama-ARM ayinketho uma umboleki enekhono lezezimali lokumelana nokuguquguquka okukhulu kwezinga lenzalo kanye nezinkokhelo ezingase zibe phezulu.Abanye ababoleki baphinde bakhethe ama-ARM uma beqiniseka ukuthi inkambiso yamanje yezinga lenzalo ephezulu nenyukayo ayinakusimama nokuthi amanani azokwehla futhi abavumele ukuthi baphinde baxhaswe ngokuzayo.Kodwa-ke, ababoleki abaningi bakhetha ukuvikeleka kwezezimali komkhiqizo we-mortgage onesilinganiso esinqunyiwe.
Uma ababoleki benesiyalo esihle sezezimali, ama-ARM ayizinketho ezisebenzayo.Uma bephethe isamba esikhulu sesikweletu esingase senyuke ngokuhamba kwesikhathi, i-ARM ingaba yingozi ngokwezimali.Ama-ARM asiza ababoleki kangcono kakhulu abazi ukuthi imali yabo yezindlu izoba sendawo kuphela ngesikhathi sesilinganiso esinqunyiwe sokuqala.Lesi simo sigwema ukungaqiniseki kwezilinganiso zenzalo zesikhathi esizayo.
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: Jun-10-2022