Imbali Yembali
Umlando wesikweletu kufuneka ubonise amandla anokuzikhethela nokuzimisela ukuhlangabezana neembopheleleko njengoko zifanelekile. Impembelelo enkulu ihlawula iibhili ngaphambi kokuba iphendulwe kwiiqokelelo.
Nangona kunjalo, ukuba unesiqhwala kwixesha elidlulileyo, ezi ziyakunakunyuswa ukuba uphinde wasungula i-credit yakho kwiinyanga ezili-12 ezidlulileyo. Ezi ziphahla zingabandakanya izigwebo kunye neeqoqo.
Imithintelo yeZakhiwo
Xa umntu okanye intsapho efuna i-USDA mboleko, loo propati kufuneka isetyenziswe njengendawo yokuhlala eyona ndawo. Nangona kunjalo, gcinani engqondweni ukuba zombini amakhaya amatsha nekhoyo afanelekile. Ukongezelela, akukho ncitshitshwenyelo ebekiwe kwi-design, ubukhulu okanye ukusekwa kwekhaya. Nangona kunjalo, ipropati ekhangelekileyo kufuneka ibhengezwe njengekhuselekile, isandi kwaye ihlambuluke, idibana nazo zonke iimfuno zokwakha ezifunekayo kuloo ndawo.
Ukusetyenziswa kwamakhaya asemthethweni akuvunyelwe. Ikhaya kufuneka libe yindawo yokuhlala yokuqala, akukho mali-mali okanye ukuthengwa kwerente. Akumele ube ngumthengi wokuqala kwikhaya ukuthenga umboleko we-USDA. Ngoko nje ngokuba udibana neemfuno ezi zinto zingabakho ikhaya lakho lesi-2 okanye le-3.
Iimfuno zeNgeniso
I-nganye yengingqi inemingcele ethile yokufumana imali eqinisekisa u-USDA ukufaneleka kwemali, kwaye ingeniso yakho yangoku kufuneka ingadluli umda obekwe kuloo ndawo.
Nangona imingcele yokufumana imali isekelwe kubukhulu bentsapho, ayilwanga nje kuphela kwiintsapho ezifumana imali engaphantsi. Kunoko ezininzi iintsapho eziphantsi ukuya kuyingcipheko ziyafaneleka.
Imbali Yembali
Eyona nto ifana neyezinye iimali-mboleko zasekhaya, umlando onyaka-2 wemali yengeniso ebhalwe phantsi. Ngaphandle kwezi zikolo zeekholeji eziqale ukusebenza.
Abafakizicelo bachanekile ukuba kufuneka batshintshe imisebenzi, ngokungakhathaliseki ukuba bengenazo ikhefu ezingenakuchazwa.
Isixa semali esiyi-USDA
I-USDA ayinayo imali ephezulu yemali mboleko. Abbolekayo banelungelo ngokuxhomekeka kwinqanaba labo kwiimali zokufumana imali. Umda waloo ngokubanzi u-42%.
USDA Amanqaku aseMatyala aseMaphandleni
640 amaminithi okuthenga ngetyala afunekayo. Ukuhlambulula imbali yeentlawulo kuyo yonke imigca yezorhwebo ngonyaka ophelileyo. Akukho ukuthengisa okufutshane, ukuchithwa okanye ukuphazamiseka kwiminyaka emi-3 edlulileyo.
I-USDA Ixesha lokuvala
Inkqubo yesicelo se-USDA ngokuqhelekileyo ithatha imizuzu eyi-15 ukugqiba. Emva kokugqiba, inkqubo ye-USDA yemboleko yokuvunywa kwemboleko ngokuqhelekileyo igqibe ngomhla olandelayo.
Inkqubo yokuvala ngokuqhelekileyo iintsuku ezingama-45 ukuya kwii-5 emva kokuba umthengi wekhaya unesivumelwano esipheleleyo esiphendulweyo kunye nesigunyazisiweyo kwikhaya. Oku kuya kutshintshwa ngokusekelwe kumaxesha okuPhathwa kweZindlu zaseRural, ezitshintshayo.
Indawo zoLuntu
I-USDA iimali mboleko zephandle zasemaphandleni azenzi nto ngokuthe ngqo kwifama okanye abalimi. Kunoko, ininzi yasemaphandleni iyakwamukela i-USDA mortgages. Oku kuchazwa ngokubanzi njengokuba ikhona ngaphandle kwemida yedolophu kunye nommandla onabantu abangaphantsi kwama-20,000.
Nayiphi na indawo yokuhlala yentsapho ehlala kwindawo efanelekileyo ye-USDA kungakhathaliseki ukuba ngumthengisi.
Masiqhekeze oku ngaphaya kwaye siqale ngejografi kuqala. Yiziphi izikhokelo ezifunwa yi-USDA ngokubhekiselele kwi-geography? Ewe, kufuneka ube kwindawo ebizwa ngokuba yindawo yasemaphandleni. I-USDA ichaza ntoni na okanye ayikho-indawo yasemaphandleni?
Iindawo zasemaphandleni
Igama elithi "indawo yasemaphandleni" lithetha nayiphi na indawo, njengoko kuqinisekiswe yintlu-mali yobalo beBenki yobalo, esingekho kwidolophu, idolophu okanye indawo ebandakanyekayo eneendawo ezingaphezu kwamawaka angama-20, okanye idibeneyo kwaye isondele kwisixeko okanye idolophu enabantu abangaphezu kwama-50,000 abemi.