Ngoko ke, njengoko umlinganiselo we-LTV wokunyuka kwemali mboleko, izikhokelo zeziqinisekiso zeenkqubo ezithile zokubambisa imali ziba nzima kakhulu. Ababolekisi banokufuna ababoleki bee-LTV eziphezulu zemali mboleko ukuba bafumane i-inshurensi yangasese yokubambisa i-inshurensi ukukhusela kumthengi ongagqibekanga.
Ukubala Ukulinganiswa kweMali-yokuThengiswa kwexabiso
Uqikelelo lwepropati lugqitywa ngumfaki-sicelo. Ngokuqhelekileyo, iibhanki ziya kusebenzisa ubuncinci bexabiso elichongiweyo kunye nexabiso lokuthenga. Masihlule amanani athile kuqala, ngoko sixubushe ngendlela le mali-mboleko-mali ifanele ngayo kwi-mortgage loan landscape.
Ukuthenga Isimo # 1 - Ukuvavanya kulungile (ngaphezu kwexabiso lokuthenga)
- Intengo yokuthenga: $ 100,000
- Ixabiso elichongiweyo: $ 110,000
- Ukuhlawula okuphantsi: $ 20,000
- Inani leNgxowa-mali: $ 80,000
- I-loan-to-value (LTV) = 80%
Ukuthenga Isimo # 2 - Uvavanyo luphantsi (ngaphantsi kwexabiso lentengiso)
- Intengo yokuthenga: $ 100,000
- Ixabiso elichongiweyo: $ 90,000
- Ukuhlawula okuphantsi: $ 20,000
- Inani leNgxowa-mali: $ 80,000
- I-loan-to-value (LTV) = 89%
Ukuhlaziya Inkcazo # 1 (umgangatho, kungekho 2 mboleko)
- Ixabiso lekhaya: $ 100,000
- Ukulinganiswa kwemali: $ 80,000
- Ukulingana: i-20,000 $
- I-loan-to-value okanye i-LTV = 80%
Ukuhlaziya Inkcazo # 2 (iimboleko ezininzi zokubolekwa kwemali, kuquka ne-2nd mortgage)
- Ixabiso lekhaya: $ 100,000
- Ukulinganiswa kwemali: $ 80,000
- Ubhaliso lwesibini yemali mboleko: $ 10,000
- Ukulingana: $ 10,000
- I-loan-to-value okanye i-LTV = 90%
Ingaba uyathenga okanye uhlaziywa , i-loan-to-value-value yakho-mboleko ibalulekile ngoba inceda ukugqiba izinga lokubolekwa kwemali kunye nokufaneleka kwemboleko yakho.
Iintlobo zeMali eziPhakamileyo ze-LTV
Imali-xabiso-mboleko yinto ebalulekileyo ekukwazi ukufumana imvume yokuboleka imali. Ngokubanzi, ababolekisi bakhetha ukuboleka imali nge-LTV ephantsi ngenxa yokuba iimali mboleko nge-LTV ephantsi zimela umngcipheko omncinci kwibhanki. Oko kwathiwa, kukho iinkqubo ezininzi zemboleko ezijoliswe ngqo kubanini bezindlu abanama-LTV aphezulu. Kukho ezinye iiprogram ezithintela i-loan-to-value ngokupheleleyo. Nanku ukuhlaziywa okufutshane kwezihlobo zemali-mboleko eziqhelekileyo eziphezulu.
VA Inkcitho: 100% Inkcitho-kwi-Intengo
VA mboleko mboleko mboleko eqinisekisiwe yiSebe lase-United States leMatsha. Izikhokelo zemboleko ze-VA zivumela i-100% ye-LTV, oku kuthetha ukuba akukho mali yokuhlawula imali efunekayo kubaboleki abaninzi be-VA. Njalo qhawula umboleki wakho kuqala ukuqinisekisa ukuba ukufaneleka kwakho kwe-VA kusekho ukuxhasa imali ye-100%. VA-mortgages ayatholakala kumajoni athile asebenzayo, amaqhawe, amaqabane omkhosi, amalungu e-Selected Reserve kunye no-National Guard, ama-cadets omkhosi kunye nabasebenzi beSebe loKhuselo.
I-USDA Inkcitho: 100% Inkxaso-mboleko
Iimali-mboleko ze-USDA zibolekwe ngemali mboleko ngeSebe lezoLimo lase-United States. Iimali-mboleko ze-USDA zivumela i-100% ye-LTV-akukho ntlawulo ephantsi.
Iimali-mboleko ze-USDA ngamanye amaxesha zibizwa ngokuba yiNgxowa-mboleko yeZindlu zaseMaphandleni, kodwa ezinye iindawo eziphantsi kwamanxweme kwimimandla encinci okanye kwiindawo ezikude kummandla weemitha zingakwazi. Hlola nomboleki wakho.
I-FHA Mortgages: 96.5% Inkxaso-mboleko
I-FHA izikhokelo zesikweletu zifuna ukuhlawula ubuncinane ubuncinane be-3.5 ekhulwini. Ngokungafani neemali-mboleko ze-VA kunye ne-USDA, iimali-mboleko ze-FHA azikhawulelwanga kwimvelaphi yempi okanye indawo - akukho zidingo ezifanelekileyo zokufaneleka kwaye awudingi ukuba ube ngummeli wokuqala wekhaya. Ukuba unomyinge weentengo, i-asethi okanye uqala ukuqala kwindlela yakho yokusebenza, i-FHA mortgage ingaba yindlela efanelekileyo kuwe.
UFannie Mae & Freddie Mac Imali-mali: 95% Inkcitho-kuya-xabiso (97% inokwenzeka)
Iimboleko eziqhelekileyo zibolekwe ngu-Fannie Mae okanye uFreddie Mac. La mabini maqela anikezela ngemali yokuthenga imali engu-97% ye-LTV, oku kuthetha ukuba kuya kufuneka ukuba wenze imali yokuhlawula i-paypayment ye-3 ekhulwini ukwenzela ukufaneleka.
Nangona kunjalo, ama-95% okanye ngaphantsi kweemali-mboleko ziqhele kakhulu. Xa kuthelekiswa nomboleko we-FHA, ukuxhaswa kweengqungquthela eziqhelekileyo kuyacetyiswa kubanini bezindlu abanesiseko esiqinileyo, esiqinisekisiweyo sekhredithi.
"Akukho Vavanyo" IiNkqubo zokuHlaziya
Abanikazi bezindlu abafuna ukugcina imali kwi-mortgage yabo kufuneka baqonde ukuba i-loan-to-value ibonakala njani. I-loan-to-value ephezulu kwi-appraisal engaphantsi ilindeleke ukuba i-nuke yakho inokusindisa ngokukhawuleza.
Oko kwathiwa, iinkqubo ezininzi zokuhlaziywa "akukho vavanyo" ziyafumaneka ukukhetha abanikazi bezindlu. Akunakwenzeka nje ukuba ukungabikho kokuvavanya kuphuculwe inkqubo yokubhala phantsi, kwenza ukuba imali-mboleko ingabalulekanga kulabo babolekayo. Eminye yale nkqubo ibalazwe apha ngezantsi.
FHA Ukuhlaziya iRfinance
I-FHA Streamline Refinance yiprogram ekhethekileyo yokuhlaziywa eyenziwa ngabaphathi bezindlu abanemali ekhoyo ye-FHA. Izikhokelo ezisemthethweni ze-FHA Streamline Refinance zikhupha iimfuno zokuvavanya, oku kuthetha ukuba imali ebolekayo nge-LTV engenamkhawulo ivumelekile.
VA Streamline Refinance
I-VA Streamline Refinance yiprogram ekhethekileyo yokuhlaziywa kwabanikazi bezindlu abanemali mboleko yasekhaya yakwa-VA. Igama elisemthethweni le-VA Streamline Refinance yiNzuzo yokuNciphisa iNtlawulo yeNzuzo yeRhafu (IRRRL). Ngokufana ne-FHA Streamline, i-VA Streamline Refinance ayifuni i-appraisal, kwaye ayifuni ukuqinisekiswa kwengeniso, ingqesho okanye ikhredithi kubaboleki abaninzi.
I-USDA yoLondolozo lweNtlawulo
I-USDA Streamline Refinance iyafumaneka kubaphathi bezindlu abanee-mortgage ze-USDA ezikhoyo kuphela. Njengendlela ye-FHA kunye ne-VA ehlaziya iinkqubo, ukulungiswa kwe-USDA kususa imfuno yokuhlolwa kwekhaya. Inkqubo okwangoku isigaba somqhubi kwaye siyatholakala kwi-19.