Iintlawulo umahluko iinzuzo zabo.

Igama elithi "mortgage" ngemihla yethu eqhelekileyo kumntu wonke. Umntu yena ngcono lwezindlu, abahlobo okanye izalamane zomnye sifumane igumbi yaye ngoku ahlawule nyanga zonke enkulu.

Ukuba uceba ukuthenga ipropati kunye olu hlobo lwe-mboleko, mhlawumbi ngaphambi kwexesha abakhetha zona, okanye iintlawulo annuity ukuze ingafani pay.

Makhe sibone oko iintlawulo, yintoni na kwaye yintoni iingenelo.

intlawulo ngokwahlukeneyo - uhlobo yokuhlawula mboleko, apho uninzi ityala lihlawulwe ngezavenge ngokulinganayo, kwaye inzala iya kuhlawulwa kwi intsalela.

Iintlawulo Annuity - okufanayo uhlobo lwentlawulo mboleko apho zombini inqununu kunye nomdla zihlawulwa ngezavenge ngokulinganayo.

Ziziphi iingenelo omnye ngaphezu kwezinye iintlawulo ngokwembono ongenalwazi?

Kwimeko yokuqala inzala ibalwa inxalenye eseleyo, yaye njengoko unciphisa, ngoko ke iintlawulo ziya kuba mbalwa kakhulu. Ngokuxhomekeka ekubeni ikho na ixesha, imali ye iintlawulo zenyanga ukuze lincitshiswe kabini xa kuthelekiswa yokuqala.

A plus iqinisekileyo kukuba ekuhambeni kwexesha, iintlawulo ziyancipha. Mortgage kuthatha iminyaka 10-25, kwaye ngeli xesha ntle intsapho kujongela kakhulu ekugxothweni omnye wabalingane, ukugula ixesha elide, imbonakalo umntwana ekuqaleni ezingacwangciswanga. Ngenxa yezi okanye ezinye izizathu, intsapho iya kuba nzima kakhulu ngokwezemali ukunika isixa esikhulu qho ngenyanga. Ukuncitshiswa Ukusoloko kwentlawulo, nebonelela iintlawulo ngokwahlukeneyo, kuya kuba luncedo kakhulu.

Liyinyaniso elokuba, kukho engxakini enkulu. Ekubeni imali ityala kunye nenzala aliguqukanga, kakhulu, akwenziwanga kwaba irhoxisiwe, le ukuncipha kweentlawulo emva kwexesha kufikelelwe ngenxa yokonyuka kwindawo yokuqala. Ukuthelekisa iintlawulo zomnyaka ngokwahlukeneyo, kunokuthiwa ukuba iintlawulo enomahluko eqhuba ngayo kuzo kwiminyaka yokuqala iya kuba ngaphezulu kakhulu. Ayizizo zonke intsapho ukuthenga umthwalo ngokwezimali. Ngako oko, iibhanki mancinane amathuba ukunika 'elungileyo' ukuba nezivumelwano zokubambisa kunye nenkqubo yentlawulo oku. Kwelinye icala, ukuba sicingela ukuba yonke le mali ukuba umboleki uya kuninika ibhanki, kunye nenzala - into ngayo iintlawulo ngokwahlukeneyo wawuthe ngokubanzi.

Xa annuity zalo eziluncedo - iintlawulo zenyanga musa ukutshintsha ngokuhamba kwexesha, ukuze ukwazi ukucwangcisa ibhajethi yakho iminyaka emininzi ezayo. Ukongeza, intlawulo yokuqala nga phezulu kangako.

Kodwa kwelinye icala, ukuba ukuthinjwa le ntsapho zaba mandundu, kuya kufuneka ityala ahlawule kunzima kakhulu.

Enye Ububi ebonakalayo kukuba kule ndlela mortgage ayikho buyanceda zivale kwangoko. Hayi, inzuzo abanye nayiphi na imeko. Kodwa, inyaniso kukuba ekuqaleni (kule minyaka yokuqala), uninzi iintlawulo zenza inzala kwimali-mboleko. Ekuhambeni kwexesha, ubuninzi yetyala nenzala zihambelana, kwaye kwiminyaka yakutshanje, umboleki uhlawula inxalenye enkulu ityala. Oku kulandela ukuba, ngokuvala-mboleko phambi kwexesha, intsapho iya kuhlawula kuphela ityala lonke, kodwa inxalenye enkulu umdla.

Ukuba phambi elinde nezivumelwano zokubambisa, iintlawulo ngokwahlukeneyo nga kubalwa ngolu hlobo lulandelayo:

(Loan Amount * ngenxa ngenyanga umyinge wenzala * ixesha (kwiinyanga) apho ekhutshwe ngetyala + 1) / 2 = iintlawulo umdla ngenyanga.

Ityala / ixesha apho ekhutshwe yetyala (kwiinyanga) = ixabiso yinqununu, ekufuneka ihlawulwe ngenyanga.

Noko ke, ngesandla ukubala iintlawulo zenyanga akukho mfuneko. iibhanki ezininzi kumaphepha zabo iikhalityhuleyitha online ezikuvumela pre-ukubala annuity kunye neentlawulo ngokwahlukeneyo. Kwanele ukuba ukukhetha ixesha mboleko, zesixa sentlawulo phantsi, umyinge wenzala. Mortgage calculator ubala ixabiso le egqithisileyo ngokwayo kunye nemali yenyanga.