Ukungabi phantsi kwentlawulo. 100% yokuthenga imali.
Iindawo ezithintekayo kwiindawo zaseMerika "zasemaphandleni" kwaye zikhawulelwe kubabolekayo ngeemali eziphantsi ukuya kwiimodareyitha, inkxaso-mali yasemaphandleni isebenza ngokugqithiseleyo ngokwezindlu eziqhelekileyo ezingabonakaliyo.
I-USDA Ofisi yoPhuhliso lwaseMaphandleni (RD) yinkampani yeSebe lezoLimo laseUnited States eliqhuba iinkqubo ezijoliswe ekuphuculeni uqoqosho kunye nomgangatho wobomi kwimimandla yasemaphandleni yaseMerika. Uphuhliso lwasemaphandleni lunama-dollar ayi-86 yezigidi zeepalthifoliyo kunye nokulawula malunga neebhiliyoni ezingama-16 kwizikolodo zeprogram, iziqinisekiso zemboleko kunye neenkxaso ngeenkqubo zazo.
Ngo-Oktobha 13, 1994, iSebe lezoLimo lahlelwa kwakhona phantsi koMthetho we-Reformation Act ka-1994 we-Federal Crop Insurance Act. Ngaphantsi kweso senzo, i-USDA yoPhuhliso lwamaPhandle lwadalwa ukulawula abaPhathi beeKhaya zoLawulo lwaseKhaya (FmHA) -iprogram zezemali zezindlu zasemaphandleni, izibonelelo zoluntu, ukulahlwa kwamanzi kunye nokulahlwa kwemfucuza, kunye namashishini asemaphandleni.
Iindawo zasemaphandleni
Igama elithi "indawo yasemaphandleni" lithetha nayiphi nayiphi indawo, njengoko kuqinisekiswe ngokubalo lwabasebenzi be-Benn of Census, ekungekho ndawo:
- ngaphakathi kwidolophu, idolophu okanye indawo ebandakanyekayo enabantu abangaphezu kwama-20,000; okanye
- indawo edolophini kunye nemizi edolophini kunye needolophu ezinabantu abangaphezu kwama-50,000 abemi
I-USDA icacisa ngakumbi izikhokelo zazo, ngokukodwa izikhokelo zeendawo ezingase zibe yintsimi "yasemaphandleni" ngaphambili, kodwa zakhula kwaye 'ayisasemaphandleni.'
Naluphi na indawo ehlelwa njenge '' yasemaphandleni '' okanye 'indawo yasemaphandleni' 'ngaphambi ko-Oktobha 1, 1990, kwaye yazimisela ukuba' 'yasemaphandleni' okanye '' indawo yasemaphandleni '' ngenxa yedatha efunyenwe okanye emva kobango-1990, 2000, okanye ngo-2010, kwaye nayiphina indawo ebonakala 'yindawo yasemaphandleni' nangaliphi ixesha ngexesha eliqala ngoJanuwari 1, 2000, kwaye iphelile ngoDisemba 31, 2010, liya kuqhubeka luhlulwa ukufumana idatha ukusuka kubalo lweminyaka engama-2020, ukuba loo ndawo inabantu abangaphezu kwama-10 000 kodwa ingabi ngaphezu kwama-35,000, iindawo ezisemaphandleni, kwaye inokholo olunzulu lwentengo yokubolekwa ngemali kwiintsapho eziphantsi kunye neengeniso. .
Udidekile okwamanje? Akukho nkxalabo, akuyikwesabisa njengoko kuzwakala. Ukuba uhlala edolophini yaseMerika, uya kuthi, ngokuqinisekileyo, ube neendawo ezihlala kuyo ezifanelekileyo ekuhlaleni ngemali yokuthenga ngemali.
Konke okuthethileyo, mhlawumbi ubuza okukuyo kuwe? Ngaba i-USDA ixhaswa ngokukodwa ngokumalunga nemali mboleko yakho? Ziziphi iinzuzo zabanini bezindlu zasemaphandleni?
Izinzuzo ze-USDA Inkxaso
Iinjongo eziphambili zi:
I-100% ye-mortgage ye-LTV esekelwe kwixabiso elixhaswe
Ukuhlawula inkokhelo kwaye akukho ncinane igalelo elifunekayo.
Akukho mda kumthengisi okanye isipho
Imilinganiselo ye-inshorensi ephantsi
Ixabiso lentlawulo ephantsi
Izikhokelo zeMatyala zeFlexible
Ipropati kufuneka ibe kwindawo yokuhlala yasemaphandleni
Iprogram yeNgxowa-mali yeMali yaseMaphandleni ngumveliso weSebe lezoLimo laseMelika. Ixhaswa ngemali yenkqubo yabbolekayo. Ngokufana ne-Federal Housing Administration ye-FHA mboleko, i-USDA isebenzisa iiproyamu zemali-mboleko ye-mortgage yasekhaya yokugcina indlu ye-USDA.
Ukususela ngo-Oktobha 1, 2012, i-USDA i-mortgage inshurensi yemali ibe yile:
Ukuthenga, i-2.00% ehlawulwa phambili ekuhlawulelwe ekuvalweni, ngokusekelwe kubukhulu bemboleko
Ukuhlaziywa, i-2.00% ehlawulwa phambili ehlawulwa ekupheleni, ngokusekelwe kubukhulu bemboleko
Kuzo zonke iimali-mboleko, i-0.40% yentlawulo yonyaka, ngokusekelwe kwinqanaba le-nqununu ekhoyo
Njengomzekelo wokwenene: Umbukeli wezindlu ophethe imali eyi-$ 100,000 e-Blacksburg, eVirginia, uya kufuneka ukuba enze intlawulo ye-inshuwalense ye-inshurensi yokubambisa i-inshurensi yangaphambili ekupheleni, kunye ne-33.33 yenyanga yentlawulo ye-inshurensi yemali.
I-inshurensi ye-mortgage yangaphambili ye-USDA ayihlawulwa njengemali. Yongeza kwi-balance balance yakho.