Abathengi basekhaya Ukuvala iindleko

Yintoni Iindleko Zokuvala Ukuhlaselwa?

Ukuthenga ikhaya kubandakanya imali engaphezulu kwe-pocket ngaphezu kokuhlawula. Abathengi bafuna imali ukuhlawula iinkonzo ezinikezelweyo. Ezi ziyaziwa njengeendleko zokuvala, ezisetyenziselwa ukuhlawula izinto ezifana nenqubomgomo yetayitile , iintlawulo zokurekhoda , ukuhlolwa, iindleko ze-courier, ukugcinwa kweemali, ukubeka i- akhawunti engenayo kunye nemirhumo yeendleko zetyala. Yimirhumo yemali-mboleko yokubolekisa ngemali mboleko ehlawulwa kakhulu.

Iindleko zokuvala ziphezulu (ngaphezu kwexabiso) lokuthenga. Oku kungokutshatyalaliswa ngokukhawuleza kuba bathengi basekhaya abaninzi abajonga kuphela inani lokuhlawula kwabo, ngokukodwa ukuba intlawulo ephantsi iphantsi kakhulu. Basenokungenayo imali eyongezelelweyo ukuhlawula iindleko zokuvala umthengi, kwaye ngaphandle kwemali yokuvala, ukuthengiselana akungavali nhlobo.

Zingaphi iindleko zokuvala?

Njengomthetho wesithupha , iindleko zokuvala ukuthenga ikhaya eliphakathi kwe-2 ukuya kwimi-4 ekhulwini lexabiso lokuthenga, ngokulinganiselwa kuma-3% entengo yokuthengisa. Kuninzi kuxhomekeke kumaphuzu kunye neentlawulo zemvelaphi yokubolekisa umbolekisi ukuba enze imboleko, eyasetyenziswa ukubonakaliswa kwi-Faith Good Estimate Estimation, kodwa namhlanje ngoku kuthiwa yi-estimative loan.

Iindleko zokuvala ezipheleleyo zokuthenga ikhaya elingama-300,000 lingadala phi ukusuka kuma-6,000 ukuya kwii-12,000 zamawaka okanye ngaphezulu. Ngokuqhelekileyo, imali ayikwazi ukuboleka ngenxa yokuba loo nto inokuphakamisa ukulingana komthengi kwindawo apho umthengi angasakwazi ukufumana imboleko.

Uphi Umthengi angayifumana i-"Free" Iindleko zokuvala?

Ngamanye amaxesha, abathengi basekhaya bokuqala bangafumana iindleko zabo zokuvala ezihlawulwa yi-arhente karhulumente. Ngokuxhomekeka apho uhlala khona, kunokuba kunengqiqo ukujonga kwi-county okanye kurhulumente kwinkqubo yokuncedisa intlawulo. Akunjalo kuphela iinkqubo ezibonelela ukuhlawula imali ekuthengeni ikhaya, kodwa kaninzi baya kunika okanye baboleke iindleko zokuvala .

Iiprogram ezinikezela ngeendleko zokuvala umthengi ziyakuthi zirekhode isixhobo kwiirekhodi zikawonkewonke ezinika ukhuseleko lomboleko kodwa ngokuqhelekileyo zithatha inzala kwaye ayinaso umhla omelekile. Ngokuqhelekileyo ihlawulelwa ngexesha lokuthengiswa okanye ekuhlaziyweni, nantoni na kuqala.

Umthengi ongekho rhoqo ovala iiNdleko zokuvala

Iindleko zokuvala zexabiso lomthengi ezihlawulwa kanye kwaye aziphinde zibizwa ngokuba zingeziyo eziphindaphindiweyo. Ezi ntlawulo zihlawulelwa ngexesha elilodwa lezinto ezifana nale:

• Iinjongo zeSihloko
• Ukuhlaselwa okanye ukuvala
• Notary
• Imirhumo yomnxeba
• I-Courier / Delivery
• Imirhumo yeeNtlawulo
• Ukuvunyelwa
• Ukurekhoda
• Intlawulo yeSizwe, iKomidi okanye iTransfer Transfer
• IziCwangciso zoKhuselo lwaseKhaya
• Utyalo lweNdalo
• Uhlolo lweKhaya
• Imirhumo yeeendleko ezihlawulwa ngokubambisana nomboleko kwi-estimative loan.
  

Iindleko zokuVala iiNkcitho - I-Prepaids

Imirhumo ephindaphindayo yindleko zokuvala zomthengi oya kuhlawula kwakhona. Zihlala zihlawula imali eqokelelwa ngaphambi kokuvalwa kweeprayimari ezihlawulwa kunye nokuseka i-akhawunti. Ziquka iintlawulo ezifana nale:

• Intshumo yoMshuwalense yoMlilo
• Umshuwalense weMkhukula (xa kufuneka kwindawo yakho)
• Imirhumo yePropati
• Iimali zeeNkcazo zeeNkxaso zeMali zoNyaka okanye ze-Private Mortgage
• Inzala efunyenwe ngaphambili

Ixesha lonyaka ovale ngalo liya kululela ukuba zingaphi iinyanga ze-prorata zeempesimali umboleki uya kuziqokelela ukuze abambe iintlawulo zerhafu kunye ne-inshorensi.

Ayikho yonke imboleko idinga i-akhawunti okanye i-akhawunti yokuchithwa, kodwa ngokuqhelekileyo ukuboleka imali engaphezulu kwe-80% yentengo yakho yokuthenga kuya kufuna i-akhawunti / i-akhawunti yokuchithwa.

Ngaba Umthengi Wentengo kuMthengi weeNdleko zokuVala?

Njalo qwalasela umboleki wakho phambi kokuba uxoxisane nesibonelelo esibandakanya umthengisi wekhredithi ngenxa yokuba umboleki-mali angayivumeli. Ukuqhubela phambili, i-TRID ayinakuvumela nayiphi na utshintsho kwisitatimenti sakho sokuvala kwisithuba sokugqibela sokuvala ukuthengiswa kwakho.

• Ukuba uncedisa imali ye-100% yentengo yokuthenga, umboleki-mali anganciphisa i-credit yakho kwi-3% yentengo yokuthenga.
• Ngokuxhomekeke kumlinganiselo wakho we- FICO kunye nesixa sakho sokuhlawula, umboleki-mali unokuvumela ukuba umthengisi akubolekise imali engama-6% entengo yokuthenga.
• Ababolekisi abayi kuvumela umboleki ukuba athathe imali kumthengisi ekuvaleni, kungakhathaliseki ukuba unokuva ntoni kuloo mihlangano .
  

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia .