Laba "bathengi boomerang" baye bahlangabezana neemfuno zokulinda ukufumana imali yokubolekwa kwemali emva kokubhankwa, ukuchithwa okanye ukuthengisa okufutshane . Kwaye kuxhomekeka xa belahlekelwa amakhaya abo, baninzi bebona ezo ziganeko ziphuma kwiingxelo zabo zeentengo zemboleko, zibanika i-slate ecocekileyo ekufuneka iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde
Ukuba uwela kweli qela, nantsi indlela yokuqinisekisa ukuba iphupha lakho lokuba nekhaya aliyi kuba yintlungu.
Qiniseka ukuba ulinde ixesha elide
Ixesha lokulindela ukuxhaswa ngemali kuxhomekeke kwiimeko ezininzi kubandakanywa nemigqaliselo apho ulahlekelwe khona ikhaya lakho, iimeko ezikhokelela ekulahlekelweni, kunye nohlobo lomboleko owufunayo ukukhusela.
Ngokuqhelekileyo, abathengi abalahlekelwa amakhaya abo ukuba baqeshwe kufuneka balinde iminyaka esixhenxe, ngelixa abo bathengiswa ngokufutshane badinga ukulinda ezine kuphela. Ukuba iziganeko ezidlulileyo zikhona, ixesha lokulinda linciphisa iminyaka emithathu neminyaka emibili ngokulandelanayo.
Ngezantsi isishwankathelo sexesha lokulinda kwiimali-mboleko eziqhelekileyo. Ukukwazi ukuthenga ngaphandle kwalo mda kuxhomekeke kwizikhokelo zakho zetyala. Izidingo ze-FHA kunye ne-VA zibolekisa.
Isiganeko esichaphazelayo | Izidingo zePeriod Requirements | Isikhathi sokulinda kunye neemeko zokunyusa |
Ukuchithwa-Isahluko 7 okanye 11 | 4 iminyaka | iminyaka eyi-2 |
Ukuchithwa-Isahluko 13 | 2 iminyaka ukususela kumhla wokukhutshwa Iminyaka emine ukususela ngomhla wokuxothwa | 2 iminyaka ukususela kumhla wokukhutshwa Iminyaka emi-2 ukususela kumhla wokuxothwa |
Ukuchithwa | Iminyaka engama-7 | Iminyaka emithathu (kunye neemfuno ezongezelelweyo) |
I-Deed-in-Place of Foreclosure, Ukuthengiswa okufutshane, okanye ukuKhutshwa kweAkhawunti yeMathente | 4 iminyaka | iminyaka eyi-2 |
Hlawula phantsi ityala lakho
Njengabo bonke ababolekisiweyo, umthwalo wakho wetyala lidlala indima ebalulekileyo ekukwazi ukukhusela imali mboleko. Njengomthengi we-boomerang, ababolekisi bafuna ukwazi ukuba awuyi kukhangela ngokwemali mboleko entsha.
Nika ukubeka phambili ukuhlawula ityala elikhulu kunokwenzeka ukuba uhlale ungaphantsi kwesilinganiselo sakho semali- mboleko-mali , kwaye ugweme ukusebenzisa nayiphi na enye inkokhelo entsha njengoko ugibela ukuthenga.
I-Payment Down Payment
Njengomthengi we-boomerang, ubunzima obuninzi buya kunikwa intlawulo yakho , ingakumbi ukuba ufuna ukuthenga ngaphambi kokuba ixesha lokulinda liphele.
Ubuncinane beepesenti ezi-5 ezifunekayo kwiimali-mboleko eziqhelekileyo, kodwa ukuhlawula okuphantsi kweepesenti ezingama-20 okanye ngaphezulu kuya kuphelisa imfuno ye- Private Mortgage Insurance (PMI). Ngokwemvelo, ngakumbi unokubeka phantsi ngcono.
Imali-mboleko ye-FHA yindlela ekhangayo kubathengi be-boomerang njengoko befuna kuphela iipesenti ze-3.5 ukuya kwehla. Nangona kunjalo, ziza neentlawulo ezininzi, zombini kunye naphambili kubomi bemboleko, ukunciphisa amandla akho okuthenga.
Hlola kathathu i-Credit yakho
Ukwazi ukuba yiyiphi ingxelo kwingxelo yakho yebhanki kubalulekile. Qiniseka ukuba yonke inkcazelo ichanekile kwaye iphikisana naluphi na olungalunganga.
Kuxhomekeke kwixesha elide lidlulileyo, imbali ye-foreclosure yakho, ukuthengiswa okufutshane, okanye ukutshatyalaliswa kunokuthi ichithe ingxelo yakho yekredithi (ngokuqhelekileyo iminyaka esixhenxe ukuya kwiminyaka elishumi), ikubeka kwinqanaba lokudlala kwinqanaba kunye nabathengi ngaphandle kwesiganeko esibi.
Ezinye iingxelo ziza kuqikelela ukuba umhla wakho amanqaku amanqaku aya kulahla anokunceda njengoko ucinga xa ufuna isicelo sokuxhasa imali. Unokufikelela kwiimbali zakho zekhredithi mahhala kwi-three bureaus enkulu kwi-yearcreditreport.com.
Ubulumko obuqhelekileyo
Abakwa-Homebuyers baqetyiswa ukuba bathenge ikhaya elininzi njengokuba banako ukuthenga-ngezinye iziphumo ekuthengeni indlu eninzi kwaye bengashiyi naziphi na indawo ezingalindelekanga. Njengomthengi we-boomerang, mhlawumbi uyazi konke oku.
Ngelo xesha, khawuqwalasele ubulumko obuqhelekileyo kwaye ugcine inkokhelo yakho yokubambisa imali ephantsi kakhulu kunokuba ibhanki iya ku vumela. Nangona i-criteria yokubolekwa kwempahla isetyenziselwe ngaphezu kweminyaka elishumi eyadlulayo, abathengi banokuzifumana phezu kweentloko zabo kodwa kwimingcele yebhanki yabo.
Sebenzisa umgwebo wakho ogqwesileyo ukucacisa ukuba ukhululekile kangakanani ngokuboleka.
Njengoko uhamba ngendlela eya kubunikazi bezindlu kwakhona-ngeli xesha unamava kwaye unengqiqo-landela la macebiso ukuze uqinisekise ukuba eli lizwe lobuchule liyimpumelelo.