Lapho i-Federal Reserve iphakamisa izinga lezimali ze-federal, ijwayele ukuholela emazingeni enzalo aphezulu kuwo wonke umnotho, okuhlanganisa namazinga e-mortgage.Ake sixoxe esihlokweni esingezansi ukuthi lezi zinga zinyusa kanjani umthelela kubathengi, abathengisi nabanikazi bezindlu abafuna ukubuyisela imali.
Bathinteka Kanjani Abathengi Bezindlu
Nakuba amanani emali ebolekwayo kanye nezinga lezimali zikahulumeni engahlobene ngokuqondile, avame ukulandela isiqondiso esifanayo.Ngakho-ke, izinga eliphezulu lezimali zikahulumeni lisho amazinga aphezulu emalimboleko kubathengi.Lokhu kunemiphumela eminingana:
- Ufanelekele ukuthola inani eliphansi lemalimboleko.Inani lokugunyazwa kusengaphambili kwababolekisi lisekelwe kukho kokubili inkokhelo yakho ephansi kanye nenkokhelo yanyanga zonke ongakwazi ukuyikhokhela ngokusekelwe esilinganisweni sakho sesikweletu semali engenayo (i-DTI).Uzoba nenani eliphansi lemalimboleko ongakwazi ukuliphatha ngoba inkokhelo yakho yanyanga zonke iphezulu.Lokhu kungase kube nomthelela ikakhulukazi kubathengi bokuqala ngenxa yokuthi abanayo imali engenayo evela ekuthengisweni kwendlu ukuze banciphise inani lemalimboleko ephansi ngenkokhelo ephansi.
- Ungase ukuthole kunzima ukuthola amakhaya ebangeni lakho lentengo.Njengoba amanani enyuka, abathengisi ngokuvamile bancamela ukugcina amanani angashintshiwe futhi bangase bazehlise uma bengayitholi imititilizo ngemva kwesikhathi esithile, kodwa kubalulekile ukuqaphela ukuthi lokhu kungase kungenzeki ngesikhathi esisodwa.Namuhla, i-inventory ayanele emakethe yezindlu ukuze ihambisane nokuhlinzekwa, ikakhulukazi uma kuziwa ezindlini ezikhona.Ngalesi sizathu, isidingo sokuvala singagcina amanani aphezulu isikhathi eside.Abanye abathengi bangase bangacabangi ukuthenga izindlu ezintsha okwesikhashana.
- Amanani aphezulu asho izinkokhelo ze-mortgage ephakeme.Lokhu kuzosho ukuthi uzosebenzisa ingxenye enkulu yesabelomali sakho sanyanga zonke endlini yakho.
- Kufanele ulinganise ngokucophelela ukuthenga uma kuqhathaniswa nokuqasha.Ngokuvamile, njengoba amanani ezakhiwo enyuka ngokushesha, izindleko zerenti zikhuphuka ngokushesha kunezinkokhelo zezindlu, ngisho namazinga aphezulu.Nokho, ungakwazi ukubala ngokwendawo yangakini ngoba zonke izimakethe zihlukile.
Bathinteka Kanjani Abadayisi Bezindlu
Uma uhlela ukuthengisa ikhaya lakho, ungase uzizwe sekuyisikhathi esifanele njengoba amanani ezindlu ekhuphuke ngo-21.23% kulo nyaka.Njengoba amanani enyuka, kunezinto ezimbalwa okudingeka uzicabangele:
- Abathengi abanentshisekelo bangancipha.Amanani aphezulu asho ukuthi abantu abaningi bangakhokhiswa amanani ngaphandle kwemakethe yamanje.Okusho ukuthi, kungathatha isikhathi esithe xaxa ukuthi okunikezwayo kungene endlini yakho futhi kungadingeka ulinde isikhashana ukuze idayise indlu yakho.
- Nawe uyabona ukuthi kunzima ukuthola ikhaya elisha.Esinye sezizathu ezenza ikhaya lakho lifiseleke kakhulu futhi lenyuse amanani entengo yekhaya kungenxa yokuthi zimbalwa kakhulu izinketho ezitholakalayo emakethe.Okufanele ukuqaphele ukuthi noma uhola imali eningi ekhaya lakho, ekugcineni ungadinga ukusebenzisa eningi ukuze uthole enye indlu.Uzobe wenza kanjalo futhi ngenani lenzalo eliphezulu.
- Ikhaya lakho lingase lingadayisi ngendlela olindele ngayo. Lena ingxenye enzima kakhulu ukubikezela ngoba i-inventory ilinganiselwe kakhulu ukuthi amanani azohlala ephezulu ezindaweni eziningi isikhathi eside kunalokho abengawenza esimweni sezinga elikhuphukayo.Nokho, ngesinye isikhathi, ukuxokozela kwezindlu kuzophela.Kungase kudingeke wehlise inani lakho ukuze uthole okunikezwayo uma lokho kwenzeka.Indlela Abanikazi Bemizi Abathinteka Ngayo
Uma ungumnikazi wendlu, ukuthi uzothinteka kanjani ngokwenyuka kwezinga lezimali zikahulumeni kuncike ohlotsheni lwemali ebolekiwe onayo nokuthi yiziphi izinjongo zakho.Ake sibheke izimo ezintathu ezahlukene.
Uma unemali ebolekiwe enesilinganiso esinqunyiwe futhi kungekho ongakwenza, izinga lakho ngeke lishintshe nhlobo.Eqinisweni, okuwukuphela kwento engashintsha inkokhelo yakho ukushintshashintsha kwezintela kanye/noma umshwalense.
Uma une-mortgage enezinga elilungisekayo, isilinganiso sakho cishe sizokhuphuka uma izinga kufanele lilungiswe.Kunjalo, ukuthi lokhu kuzokwenzeka noma cha nokuthi kuncike kangakanani kumakepisi enkontilekeni yakho yemali mboleko kanye nokuthi izinga lakho lamanje likude kangakanani namazinga emakethe lapho ukulungiswa kwenzeka.
Kufanele wazi ukuthi uma ukhiphe i-mortgage entsha nganoma isiphi isikhathi eminyakeni embalwa edlule, cishe ngeke uthole isilinganiso esiphansi uma ubheka ukubuyisela kabusha imali.Kodwa-ke, into eyodwa okudingeka ikhunjulwe ukuthi kulolu hlobo lwemakethe ukuthi iminyaka yokukhuphuka kwamanani kusho ukuthi abantu abaningi banokulingana okuningi.Ngokwesibonelo, lokhu kungase kusebenzele inzuzo yakho ekuhlanganiseni izikweletu.
Lapho i-Fed iphakamisa izinga lezimali zikahulumeni, amanani enzalo avame ukukhuphuka ezweni lonke.Ngokusobala, akekho othanda amanani entengo emalimboleko aphezulu, azohlala ephansi kunesilinganiso senzalo esivela ekhadini lakho lesikweletu elitholakalayo.Ukuhlanganiswa kwezikweletu kungakuvumela ukuthi ufake izikweletu ezinenzalo enkulu esibambisweni sakho bese usikhokha ngenani eliphansi kakhulu.
Lokho Abathengi Bekhaya Abangakwenza Ngokulandelayo
Izinga lenzalo yemali ebolekiwe elikhulayo ngokuvamile alilungile, kodwa lokho akudingekile ukuba kukuvimbele ukuthi usuke kulowo ozoba umthengi wekhaya uye kumninikhaya omusha waseMelika.Konke kuncike esimweni sakho sezezimali kanye nokuthi uyakwazi yini ukuthatha izinkokhelo zenyanga ezithe xaxa zokubolekwa kwezindlu.
Kungase kudingeke uthenge kungakhathaliseki ukuthi imakethe ekahle uma usanda kuba nengane futhi udinga indawo eyengeziwe noma kufanele uthuthe uyofuna umsebenzi.
Kufanele uhlale unethemba lokuthi ngisho nezilinganiso ziyakhuphuka uma ungaba umthengi wekhaya.
Isikhathi sokuthumela: Jun-21-2023