08/21/2023

Lapho sithenga indlu, ngokuvamile sidinga ukucabangela izinhlobo ezihlukene zemalimboleko, okuhlanganisa izinhlobo ezimbili eziyinhloko: imali ebolekiwe yesilinganiso esimisiwe kanye nezimalimboleko zesilinganiso esilungisekayo.Ukwazi umehluko phakathi kwalezi zinhlobo ezimbili kubalulekile ekwenzeni isinqumo esingcono kakhulu semalimboleko.Kulesi sihloko, sizongena ezinzuzweni ze-mortgage yezinga elimisiwe, sihlole izici ze-mortgage enenani elilungisekayo, futhi sixoxe ngokuthi ungazibala kanjani izinkokhelo zakho ze-mortgage.

Izinzuzo ze-Mortgage Yesilinganiso Esimisiwe
Izikweletu ze-Fixed-rate zingenye yezinhlobo ezivame kakhulu zemalimboleko futhi zivame ukunikezwa ngemigomo yeminyaka eyi-10-, 15-, 20-, kanye ne-30.Inzuzo enkulu ye-mortgage yezinga elimisiwe ukuzinza kwayo.Ngisho noma izilinganiso zenzalo yemakethe zishintshashintsha, izinga lenzalo yemalimboleko lihlala linjalo.Lokhu kusho ukuthi ababoleki bangakwazi kahle ukuthi bazokhokha malini inyanga ngayinye, okubavumela ukuthi bahlele kangcono futhi baphathe isabelomali sabo sezimali.Ngenxa yalokho, imali ebolekiwe enesilinganiso esinqunyiwe ithandwa abatshalizimali abangazifaki engozini ngoba ivikela ekukhuphukeni kwezinga lenzalo okungase kube khona esikhathini esizayo.Imikhiqizo Enconyiwe:I-QM Community Loan,I-DSCR,Isitatimende sase bhange.

I-Adjustable Rate Mortgage Analysis
Ngokuphambene, ama-mortgages esilinganiso esishintshayo (ama-ARM) ayinkimbinkimbi kakhulu futhi ngokuvamile anikeza izinketho ezifana ne-7/1, 7/6, 10/1 kanye ne-10/6 ARM.Lolu hlobo lwemali mboleko lunikeza isilinganiso senzalo esingaguquki ekuqaleni, ngemva kwalokho izinga lenzalo liyalungiswa ngokuvumelana nezimo zemakethe.Uma amanani emakethe ehla, ungase ukhokhe inzalo encane emalini ebolekiwe enesilinganiso esishintshwayo.

Isibonelo, ku-7/6 ARM, “7″ imele isikhathi sesilinganiso esinqunyiwe sokuqala, okusho ukuthi izinga lenzalo yemali mboleko lihlala lingashintshile eminyakeni eyisikhombisa yokuqala.I-“6″ imele ukuvama kokulungiswa kwesilinganiso, okubonisa ukuthi izinga lemalimboleko liyashintsha njalo ezinyangeni eziyisithupha.

Esinye isibonelo salokhu i-“7/6 ARM (5/1/5)”, lapho “5/1/5″ kubakaki ichaza imithetho yokulungiswa kwezinga:
· Eyokuqala ethi “5” imele amaphesenti aphezulu izinga elingawalungisa okokuqala, okuwunyaka wesikhombisa.Isibonelo, uma izinga lakho lokuqala lingu-4%, ngonyaka wesikhombisa, izinga lingakhuphuka lifike ku-4% + 5% = 9%.
· I-“1″ imele amaphesenti aphezulu izinga elingalungiswa ngaso isikhathi ngasinye (njalo ezinyangeni eziyisithupha) ngemva kwalokho.Uma izinga lakho lalingu-5% esikhathini esidlule, khona-ke ngemva kokulungiswa okulandelayo, izinga lingakhuphukela ku-5% + 1% = 6%.
· Owokugcina “u-5” umele inani eliphakeme elingakhuphuka inani phakathi nesikhathi semali mboleko.Lokhu kuhlobene nenani lokuqala.Uma izinga lakho lokuqala lalingu-4%, khona-ke phakathi nesikhathi sonke sokubolekwa kwemali, izinga ngeke lidlule u-4% + 5% = 9%.

Kodwa-ke, uma amazinga emakethe enyuka, kungase kudingeke ukhokhe inzalo eyengeziwe.Lena inkemba esika nhlangothi zombili;kuyilapho ingaba nezinzuzo ezengeziwe, futhi iza nezingozi eziphakeme.Imikhiqizo Enconyiwe:I-Doc Jumbo ephelele,WVOE&I-P&L Ezilungiselele ngokwakho.

Ungayibala Kanjani Imali Yakho Yokuthenga Izindlu
Kungakhathaliseki ukuthi ukhetha luphi uhlobo lwemalimboleko, kubalulekile ukuqonda ukuthi izinkokhelo zendlu yakho zibalwa kanjani.Uthishanhloko wemalimboleko, izinga lenzalo kanye nesikhathi yizinto ezibalulekile ezithinta inani lokukhokha.Emalini ebolekiwe enesilinganiso esimisiwe, njengoba izinga lenzalo lingashintshi, izinkokhelo nazo zihlala zinjalo.

1. Indlela Elinganayo Yothishanhloko kanye Nenzalo
Indlela elinganayo eyinhloko kanye nenzalo iyindlela evamile yokubuyisela, lapho ababoleki bekhokha inani elifanayo lemali eyinhloko kanye nenzalo inyanga ngayinye.Esigabeni sokuqala semali mboleko, iningi lenkokhelo liya kwinzalo;ngokuhamba kwesikhathi, iningi layo liya enkokhelweni eyinhloko.Inani lokukhokha lenyanga lingabalwa kusetshenziswa ifomula elandelayo:
Inani Lenyanga Lokubuyisela = [Uthishanhloko x Izinga Lenzalo Yanyanga Zonke x (1+Inani Lenzalo Yanyanga Zonke)^Isikhathi Semalimboleko] / [(1+Isilinganiso Senzalo Yanyanga zonke)^Isikhathi Semalimboleko - 1]
Lapho isilinganiso senzalo sanyanga zonke silingana nesilinganiso senzalo sonyaka esihlukaniswa ngo-12, futhi isikhathi semalimboleko siyisikhathi semalimboleko ezinyangeni.

2. Indlela Elinganayo Kathishanhloko
Umgomo wendlela eyinhloko elinganayo ukuthi ukukhokhwa kukathishanhloko kuhlala kufana nyanga zonke, kodwa inzalo iyehla nyanga zonke ngokuncishiswa kancane kancane kukathishanhloko ongakhokhelwa, yingakho inani lemali lokukhokha lanyanga zonke nalo liyancipha kancane kancane.Inani lokukhokha lenyanga yenyanga lingabalwa kusetshenziswa ifomula elandelayo:
Ukukhokhwa Kwenyanga yenyanga = (Uthishanhloko Wemalimboleko / Isikhathi Semalimboleko) + (Uthishanhloko Wemali Ebolekiwe – Uthishanhloko Obuyiswe Isamba) x Isilinganiso Senzalo Yanyanga Zonke
Lapha, uthishanhloko ophelele obuyiselwe iyisamba semali ekhokhiwe uthishanhloko ezinyangeni (n-1).

Sicela uqaphele ukuthi indlela yokubala engenhla ingeyemalimboleko elinganiselwe kuphela.Ngemalimboleko yesilinganiso esilungisekayo, ukubala kuba nzima kakhulu ngoba izinga lenzalo lingashintsha nezimo zemakethe.

Nakuba umqondo wemali ebolekiwe enesilinganiso esinqunyiwe kanye nesilinganiso esilungisekayo ulula uma kuqhathaniswa, kukhona okucatshangelwayo okubalulekile.Isibonelo, i-mortgage yesilinganiso esimisiwe inikeza izinkokhelo eziqhubekayo, kodwa ungase ungakwazi ukusizakala ngenani eliphansi uma amanani emakethe ehla.Ngakolunye uhlangothi, nakuba imali ebolekiwe enesilinganiso esishintshayo ingase inikeze inani lenzalo eliphansi lokuqala, ungase ube ngaphansi kwengcindezi ephakeme yokukhokha uma amanani emakethe enyuka.Ngakho-ke, ababoleki kudingeka balinganise ukuzinza kanye nobungozi, bahlaziye amandla emakethe ngokujula, futhi benze izinqumo ezingcono kakhulu.

Uma ukhetha phakathi kwenani elimisiwe noma lemali ebolekiwe enezinga eliguquguqukayo, kubalulekile ukucabangela isimo sakho sezezimali, ukubekezelela ubungozi, nezimo zemakethe.Funda umehluko, okuhle nokubi, futhi ufunde indlela yokubala inkokhelo yakho ye-mortgage.Lolu lwazi lubalulekile ekwakheni isu elifanele lokuboleka.Sithemba ukuthi ingxoxo kulesi sihloko isizile ukuthi uqonde kangcono futhi ukhethe imali mboleko engcono kakhulu yezidingo zakho.

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.