Unokhetho, kwaye Kungcono Ukuba Uhlawule Ngokwehla
Indlela yokuthenga ngaphandle kwemali phantsi
Iiprogram zemboleko zikaRhulumente zikhethileyo.
Xa urhulumente wase-United States eqinisekisa ababolekisi ngokuchasene nokulahleka, banako ukuvuma iimali-mboleko ngaphandle kokuhlawula. Kodwa kusenokwenzeka ukuba ufanelekile ukufumana loo mboleko. Ukuba awuyiyo mboleko eqhelekileyo inokukhetha, okanye kufuneka wenze ubuncinane ukuhlawulwa kwekhaya lakho.
Iimali-mboleko ze-VA zifumaneka kwiSebe lase-United States le-Antercourse (VA). Abasebenzi, amaqhawe, kunye nabafazi abafanelekileyo banokuthenga ikhaya ngepesenti zephantsi. Ezi mboleko zingenayo i-premium yenyanga ye-inshurensi, ngoko ke iintlawulo zenyanga zihlala ziphantsi (kodwa xa uthenge ngexabiso eliphantsi, iintlawulo zakho ziya kuba phezulu). Ababolekisi abaninzi eMelika bangababonelela ngemali mboleko, ngoko bathetha nomrhwebi wemali okanye isikhungo sezemali ukufaka isicelo. Ababoleki bancintisana nebhishini lakho, ngoko thelekisa izibonelelo ezivela kwimithombo eyahlukeneyo. Baya kuba neerhafu zentlalo eyahlukeneyo kunye neendleko zokuvala .
Iingxowa-mali ze-USDA zixhaswa yiSebe lezoLimo lase-US (USDA) kwaye zenzelwe ukukhuthaza ubunikazi basekhaya ezindaweni zasemaphandleni.
Ezi mboleko zinemingeniso yemali, nangona unako ukufumana imali engama-115 kwipesenti yemali yasekhaya yase-United States (okanye usebenzise umlinganiselo welizwe jikelele) ukuze ufanele ukuboleka imali. Njengoko kunye ne-VA mboleko, ababolekisi bafuna ukuthatha inxaxheba kwinkqubo ye-USDA, kodwa kukho ininzi yabathengi bemali kunye neebhanki zokukhetha.
Fumana izibonelelo ezivela kubaboleki abaninzi kwaye uqhathanise iindleko ngaphambi kokuba unqume.
Ezinye izinto
Ukuba awufanelanga ukuhlawulwa kwe-VA okanye i-USDA, unokwazi ukuthenga ngaphandle kwemali usebenzisa enye imithombo (okanye unokufuna ukuhlawula imali encinci). Kwiminyaka edlulileyo, kwakulula ukuthenga ngaphandle kwentlawulo. Emva kweengxaki zemali, akulula.
Izibonelelo zokuhlawula phantsi kunye noncedo lunokukunceda ukuba uthenge ngokufanelekileyo ngepesenti zerhafu phantsi kwentlawulo. Ngokwenene, umntu uhlawula, kodwa mhlawumbi akunjalo. Khangela imibutho yasekuhlaleni onokufanelekela yona, kwaye ubuze iSebe leZindlu kunye noPhuhliso lweeDolophu (HUD) naliphi na izibonelelo ezikhoyo. Ezinye iiprogram zangaphambili ze-homebuyer zingaba luncedo . Ezi nkqubo zinzima ukuzifumana kwaye zikhuni ukufaneleka. Nangona kunjalo, ukuba unelungelo elifanelekileyo kumbutho, unokukwazi ukufumana uncedo oluyidingayo.
Iingxowa-mali ezingama-80/20 , ezibizwa ngokuba yi-piggyback mboleko, zivumela ukuba uthenge usebenzisa iitaliti ezimbini. Ngaphambi kweengxaki zemali, esi sicwangciso sisicwangciso esithandwayo. Kule mihla, uya kufuna i-credit card kunye neprofayili yengeniso ukuze ufaneleke. Ukusebenzisa le ndlela, uza kufumana i-mortgage yokuqala ye-80 yeepesenti yexabiso lekhaya (ekunikezeni ngemali-mboleko ye-80% ukulinganisela umlinganiselo waleso sabelo, oko kuthetha ukuba awuyi kubakhokhela i- inshurensi yangasese yemali-mboleko ).
Iipesenti ezingama-20 eziseleyo zivela kwingxowa-mboleko yesibini oya kufumana ngexesha elifanayo njengento yokuqala yokuthenga imali. Imboleko yesibini iya kuba nezinga eliphezulu lemali, kodwa ababolekayo bazama ukuhlawula loo mboleko ngokukhawuleza. Hlola kunye neebhanki zendawo kunye neemanyano zemali-mboleko ukuze ubone ukuba zinikela ngemali-mboleko ye-80/20 kwaye zifumanise ukuba zeziphi iimfuno.
Ababolekisi ngabangasese banokukulungele ukubolekelela ipesenti zexabiso lokuthenga ikhaya. Ezi zinako okanye zingabi ngababoleki bezakhono. Kwiimeko ezininzi, ezo mboleko zivela kumalungu entsapho afuna nje ukukunceda (abangekho kwishishini lokuboleka). Ukuba uhamba ngale ndlela, sebenzisa isivumelwano esibhaliweyo ukuze wonke umntu aqonde (kwaye uxwebhu) iinkcukacha zelungiselelo lakho. Qhagamshelana nommeli wendawo, ingcali yendawo yokuhlala kunye nomgcini-mali ngaphambi kokuba usayine isivumelwano, njengoko uya kufuna ukulandela yonke imithetho esebenzayo (kwaye unokukwazi ukufumana irhafu okanye ezinye iintlawulo xa ubeka izinto ngokufanelekileyo).
Ukuba unenhlanhla ngokwaneleyo yokuba unokhetho, lube yimeko yokuphumelela, kodwa wonke umntu kufuneka azi ukuba bangena njani .
Kungenzeka Yilungele Ukwenza Intlawulo Ephantsi
Isibheno sokuthenga ngaphandle kwemali siyabonakala: Awudingi imali eninzi, ungasebenzisa imali yakho yokugcina impahla kunye nokulungiswa kwendlu, kwaye unokuthi uthenge ngokukhawuleza kunokuba kamva. Kodwa kukho ukungabikho kwemithwalo emininzi yokuboleka yonke imali yokuthenga.
Iintlawulo zenyanga nyanga: Imali mboleko yakho enkulu, i-intlawulo yakho iya phezulu, kwaye uya kubambelela kuloo ntlawulo kubomi bakho. Ukubona indlela amanani asebenza ngayo, ukubala iintlawulo kuyo nayiphi na imali mboleko oyicingayo. Zama ukusebenzisa ixabiso lemali-mboleko encinci (encinci yokuhlawula inciphisa inani lemali-mboleko) ukuze ubone ukuba kubaluleke kangakanani. Xa unamathele enkulu yentlawulo, unako ukhetho oluncinane kwixesha elizayo. Nakuphi na ukulimala, utshintsho lomsebenzi, okanye ezinye izinto ezixakekileyo kuya kuba nzima ukuphepha.
Iindleko eziphezulu: Ukuboleka i-100 ekhulwini yexabiso lekhaya liya kwandisa indleko epheleleyo yekhaya lakho. Mhlawumbi ungasidingi ukubhala isheke namhlanje, kodwa uza kuhlawula umdla onomboleko wakho kunokuba ubuya kuhlawula ngenkokhelo ephantsi. Loo mahluko kumdla unokufikelela kumashumi amawaka eedola ngokubhekiselele kwimpilo yakho mboleko. Ukubona ezinye zala manani, jonga iitshati zemali zokubolekisa imali mboleko kuyo nayiphi na imali mboleko oyicingayo.
I-inshurensi yangasese ye-mortgage (PMI): Xa uboleka ngaphezu kwe-80 ekhulwini lexabiso lekhaya lakho, kuya kufuneka uhlawule i-PMI, ekhusela umboleki wakho. Inzuzo kuphela ophuma kuyo loo ntlawulo yithuba lokuthenga ngaphandle kwemali phantsi (kubandakanywa ipros and cons cons. Le ntlawulo ingongeza amawaka okanye ngaphezulu kwiindleko zakho zokuphila, kwaye iya kwandisa intlawulo yakho yenyanga.
Intengo yasekhaya iyancipha: Ngokufanelekileyo, ikhaya lakho liya kuzuza ixabiso ngelixesha. Kodwa oko akusoloko kwenzeka - amakhaya alahlekelwa xabiso, kwaye unyanzelekile ukuba uthengise ngelahleko. Ukuba oko kwenzeka, unako ukuhlawulwa ngaphezulu kwekhaya kunokufaneleka. Ukuze uphume kwimali-mboleko yakho, kuya kufuneka wenze inkokhelo enkulu kumboleki wakho, kwaye akusoze kube yinto evuyayo.
Okubalulekileyo, uthatha ingozi enkulu xa uthenge ngaphandle kwemali. Imali engenayo ifuna ukuhlala efanayo okanye ukwanda, kwaye ikhaya lakho lifuna ukwandisa kwixabiso ngokukhawuleza kunokugqithisa imali. Sonke sikholelwa ukuba ezo zinto ziza kwenzeka, kodwa ezininzi ngaphambi kokungqinisiswa kakubi.