Ukunyuka kweNzala yeNzala enokuthi ichaphazele abathengi kunye nabathengisi

Xa i-Federal Reserve iphakamisa ireyithi yemali ye-federal, ithambekele ekukhokelela kwizinga eliphezulu lenzala kulo lonke uqoqosho, kubandakanywa namazinga e-mortgage.Makhe sixoxe kwinqaku elingezantsi ukuba ezi xabiso zinyusa njani abathengi, abathengisi kunye nabanini-zindlu abajonge ukubuyisela imali.

Indlela Abathengi Bezindlu Abachaphazeleka Ngayo

Nangona iireyithi zokubolekwa kwezindlu kunye nereyithi yemali ye-federal ayidityaniswanga ngokuthe ngqo, bakholisa ukulandela ulwalathiso olufanayo.Ke ngoko, ireyithi ephezulu yemali ye-federal ithetha amaxabiso aphezulu okubambisa abathengi.Oku kuneziphumo ezininzi:

• Ukulungele ukufumana isixa-mali semali-mboleko esezantsi.Isixa-mali sokuvunywa kwangaphambili kwababolekisi sisekelwe kwintlawulo yakho yenyanga kunye nentlawulo yenyanga onokuyihlawula ngokusekelwe kumlinganiselo wetyala lakho ukuya kwingeniso (DTI).Uya kuba nemali-mboleko ephantsi onokuyiphatha kuba intlawulo yakho yenyanga iphezulu.Oku kunokuba nefuthe ngakumbi kubathengi bokuqala kuba abanayo ingeniso evela kwintengiso yendlu yokuphelisa isixa-mali semali-mboleko esezantsi ngentlawulo ephezulu.
• Ungakufumanisa kunzima ukufumana amakhaya kuluhlu lwamaxabiso akho.Njengoko amaxabiso enyuka, abathengisi bakhetha ukugcina amaxabiso engatshintshwa kwaye banokuwathoba ukuba abafumani zibonelelo emva kwexesha elithile, kodwa kubalulekile ukuqonda ukuba oku akunakwenzeka kanye.Kule mihla, uluhlu lwempahla alwanelanga kwimakethi yezindlu ukugcina unikezelo, ngakumbi xa kuziwa kumakhaya asele ekhona.Ngesi sizathu, imfuno evaliweyo inokugcina amaxabiso aphezulu ixesha elide.Abanye abathengi banokungacingi ukuthenga izindlu ezintsha okwethutyana.
• Amazinga aphezulu athetha iintlawulo eziphezulu zokubambisa.Oku kuya kuthetha ukuba uya kuchitha isixa esikhulu sebhajethi yakho yenyanga kwindlu yakho.
• Kufuneka ulinganise ngononophelo ukuthenga vs. ukurenta.Ngokuqhelekileyo, ngexabiso lepropati elinyuka ngokukhawuleza, ixabiso lerenti linyuka ngokukhawuleza kuneentlawulo zezindlu, kunye namaxabiso aphezulu.Nangona kunjalo, unokubala ngokwendawo yakho kuba yonke imarike yahlukile.

Indlela abathengisi basekhaya abachaphazeleka ngayo

Ukuba uceba ukuthengisa ikhaya lakho, unokuziva lixesha elifanelekileyo kuba amaxabiso asekhaya anyuke nge-21.23% kulo nyaka.Njengoko amaxabiso enyuka, kukho izinto ezininzi ekufuneka uziqwalasele:

• Abathengi abanomdla banokuhla.Amaxabiso aphezulu athetha ukuba abantu abaninzi banokuthengiswa ngaphandle kwemarike yangoku.Oko kukuthi, kunokuthatha ixesha elingakumbi ukuba unikezelo lungene kwikhaya lakho kwaye kuya kufuneka ulinde ixeshana ukuba lithengise indlu yakho.
• Wena wam uyabona kunzima ukufumana ikhaya elitsha.Esinye sezizathu ezenza ikhaya lakho linqweneleke kakhulu kwaye linyuse amaxabiso asekhaya kukuba kukho iinketho ezimbalwa ezikhoyo kwimarike.Into ekufuneka uyiqonde kukuba nokuba ufumana imali eninzi kwikhaya lakho, ungadinga ukuchitha ngaphezulu ukuze ufumane enye indlu.Ubuya kuba ukwenza oko ngexabiso eliphezulu lenzala.
• Ikhaya lakho alinakuthengiseka kakhulu njengoko ubulindele.  Le yeyona nto inzima ukuqikelela kuba uluhlu lwempahla lunqongophele kakhulu ukuba amaxabiso aya kuhlala ephezulu kwiindawo ezininzi ixesha elide kunokuba ebeya kuba njalo kwimeko yokunyuka kwezinga.Nangona kunjalo, ngaxa lithile, isiphithiphithi sezindlu siya kuphela.Kusenokufuneka wehlise ixabiso lakho ukuze ufumane izibonelelo xa oko kusenzeka.Indlela Abachaphazeleka Ngayo Abaninimzi

Ukuba ungumnikazi wendlu, indlela oya kuchaphazeleka ngayo kukunyuswa kwemali yomanyano kuxhomekeke kuhlobo lwemali-mboleko onayo kunye neenjongo zakho.Makhe sijonge iimeko ezintathu ezahlukeneyo.

Ukuba unentlawulo yemali-mboleko emiselweyo kwaye akukho nto unokuyenza, umlinganiselo wakho awuyi kutshintsha konke konke.Enyanisweni, ekuphela kwento enokutshintsha intlawulo yakho kukuguquguquka kweerhafu kunye/okanye i-inshurensi.

Ukuba unexabiso lemali yokubolekwa kwempahla ehlengahlengiswayo, isantya sakho siya kuba nokwenzeka ukuba sinyuke ukuba ireyithi ifanele ukulungiswa.Ngokuqinisekileyo, ingaba oku kuya kwenzeka okanye akunjalo kwaye kuxhomekeke kangakanani kwii-caps kwikhontrakthi yakho ye-mortgage kunye nokuba isantya sakho sangoku sisuka kumazinga emarike xa uhlengahlengiso lwenzeka.

Kuya kufuneka uyazi ukuba ukuba uthathe imali-mboleko entsha nangaliphi na ixesha kwiminyaka eliqela edlulileyo, mhlawumbi awuzukufumana xabiso lisezantsi ukuba ujonge ukubuyisela imali.Nangona kunjalo, into enye kufuneka ikhunjulwe kukuba kolu hlobo lweemarike kukuba iminyaka yokunyuka kwamaxabiso ithetha ukuba abantu abaninzi banokulingana okukhulu.Ngokomzekelo, oku kunokusebenzela inzuzo yakho ekuhlanganiseni amatyala.

Xa i-Fed iphakamisa izinga leemali ze-federal, inzala idla ngokunyuka kwilizwe lonke.Ngokucacileyo, akukho mntu uthanda amaxabiso aphezulu emali-mboleko, aya kuhlala engaphantsi kwexabiso lenzala elisuka kwikhadi lakho letyala.Ukudityaniswa kwetyala kungakuvumela ukuba ukhuphe ityala elinenzala ephezulu kwi-mortgage yakho kwaye ulihlawule ngexabiso eliphantsi kakhulu.

Yintoni enokwenziwa ngabathengi basekhaya ngokulandelayo

Ukunyuka kwenzala yemali-mboleko ngokuqhelekileyo ayifanelekanga, kodwa oko akunyanzelekanga ukuba kukuthintele ukuba usuke kumthengi oza kuba ngumthengi wekhaya uye kumnini-ndlu omtsha waseMelika.Konke kuxhomekeke kwimeko yakho yezemali nokuba uyakwazi na ukuthatha intlawulo yenyanga-mboleko ephezulu kakhulu.

Kusenokufuneka uthenge nokuba yeyona marike ifanelekileyo ukuba ubunomntwana kwaye ufuna indawo ethe chatha okanye kufuneka uhambe uyokufumana umsebenzi.

Kuya kufuneka uhlale unethemba nokuba amaxabiso ayenyuka ukuba unokuba ngumthengi wekhaya.