Njengoba Izinga Lenzalo Lanamuhla Lehla Kancane,
I-Refinance Mngabea Ukukhetha Okuhle
05/28/2022
Ngokweshejuli yesilinganiso sanamuhla, amazinga okubuyiselwa imali yezindlu zeminyaka engu-15 kanye neminyaka engu-20 ehle kancane uma kuqhathaniswa nesonto eledlule, okuhlinzeka ngamathuba abalulekile okonga abanikazi bezindlu abavaleleka kwelinye lamazinga esikhathi esifushane.Kodwa-ke, amanani esikhathi seminyaka engu-30 asengaphezu kuka-5%, ngakho abanikazi bezindlu abafuna ukubuyisela imali bangase bangabizi kakhulu ngesikhathi esifushane.
Amanani ezindlu zanamuhla avumela ababoleki ukuthi bakhiye ngenani eliphansi.Ababolekayo abakwazi ukuphatha inkokhelo yanyanga zonke ephakeme bangase bacabangele ukukhiya isilinganiso sesikhathi seminyaka engu-15, esiphinde sehle.Isilinganiso seminyaka engu-15 singanikeza ukonga kwenzalo okwengeziwe kubaboleki kunenani lesikhathi eside.Kungakhathaliseki ukuthi yiliphi izinga ababolekayo abalikhethayo, bangase bafune ukuthatha isinyathelo ngokushesha kunokuba bavale isilinganiso ngaphambi kokukhuphuka okuzayo.
Ashintshe kanjani amanani emali ebolekiwe ngokuhamba kwesikhathi?
NgokukaFreddie Mac, amanani enzalo yemali mboleko yezindlu zanamuhla angaphansi kakhulu kwesilinganiso esiphezulu sonyaka—amaphesenti angu-16.63 ngo-1981. Umqedazwe we-COVID-19 wahlasela umnotho emhlabeni wonke.Ngo-2019 isilinganiso senzalo emalini ebolekiwe enesilinganiso esinqunyiwe seminyaka engama-30 sasingu-3.94%, kwathi ngo-2021, isilinganiso sesilinganiso semali ebolekiwe yeminyaka engama-30 sasingu-2.96%, isilinganiso esiphansi sonyaka eminyakeni engama-30.
Ukwehla okungokomlando kwezilinganiso zenzalo kusho ukuthi abanikazi bezindlu abanezindlu ezibolekiwe eziqala ngo-2019 noma ngaphambi kwalokho bangathola ukonga okubalulekile kwenzalo ngokubuyisela ngezimali ngenye yamazinga aphansi anamuhla.Kubalulekile ukucabangela izindleko zokuvala ezifana ne-appraisal, isicelo, i-original kanye nezimali zommeli lapho ucabangela ukubolekwa kwempahla noma ukuxhaswa kabusha.Ngaphezu kwesilinganiso senzalo nenani lemalimboleko, zonke lezi zici zingangeza ezindlekweni ze-mortgage.
D okucatshangwayo Phakathi Kwezilinganiso Zenzalo Yemali Yezindlu Ezilungisiwe Nezishintshayo
Njengoba Izilinganiso Zenzalo Yemali Yezindlu Ezishintshayo ziya ngokuya ziduma, ababoleki kufanele baqaphele ukuthi zithinta kanjani izindleko zenzalo?
Izimali ezibolekwayo ezinesilinganiso esingaguquki azishintshi phakathi nesikhathi semali mboleko, kodwa zivame ukuba phezulu kunezilinganiso zenzalo zenani elilungisekayo le-mortgage.
Izilinganiso zenzalo zakuqala zemalimboleko yezinga elilungisekayo, noma ama-ARM, ngokuvamile aphansi kunemali ebolekiwe enesilinganiso esingaguquki.Kodwa ngemva kwesikhathi sokwethula, izinga lenzalo lama-ARM lizoshintsha, futhi lingakhuphuka kakhulu.Izikhathi zokwethula zingahluka kusukela ezinyangeni ezimbalwa kuye onyakeni noma eminyakeni embalwa.Ngemva kwesikhathi sesethulo, izinga lenzalo yababoleki lizosuselwa kunkomba ecaciswe ngumbolekisi.Ama-ARM angase akhawule noma angakhawuli ukuthi ingakanani inzalo yababoleki engakhuphuka.
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-28-2022