Yilungele ukuthenga ikhaya ngokuqonda ezi ntlawulo
Kukho imirhumo ethile, umzekelo, kufuneka ihlawulwe ngaphambili. Ezinye iirhafu zingafakwa kwi-mboleko yakho yasekhaya. Kubalulekile ukuqonda umahluko kwaye uyazi ukuba uza kukulindela ukuhlawula ephaketheni xa uhleli etafileni yokuvala.
Olu luhlu lubonisa iimali ezilishumi elinesibini eziqhelekileyo ukuba wazi malunga nokuthenga ikhaya .
1. I-Intshurensi yokuThengisa
Unokufunwa ukuba uthenge i- inshurensi yangasese yemali ye-mortgage xa ubeka phantsi kweepesenti ezingama-20 phantsi kwekhaya. I-inshurensi yangasese yokubambisa imali, ebizwa ngokuba yi-PMI, ibonelelwa yinkampani yangasese yomshuwalense wokubambisa ukukhusela ababolekayo malunga nokulahlekelwa xa umntu obolekayo engenzi. Kukho iintlobo ezimbini zeentlawulo: i-premium phambi kwe-PMI premium kunye ne-premium ngenyanga ye-PMI. I-premium yangaphambili ihlawulwa ngokuvalwa, okanye ifakwe kwi-mboleko. Khawukhumbule ukuba ukuhlawula le ntlawulo kumboleko-kunye neeprisimenti zenyanga ze-PMI-kunokuchaphazela ubungakanani bentlawulo yakho yokubolekwa kwemali.
2. Ininshurensi yasekhaya
Xa uboleka imali ukuthenga ikhaya, i-inshorensi iyimfuneko ongeke uyiyeke. Umgaqo-nkqubo we-inshorensi yomnini-mali unxulumanisa i-inshorensi yemfanelo yomshuwalense kunye nobungozi bomshuwalense ukufihla indawo yokuhlala kunye neziqulatho zayo.
Kwiimeko ezininzi, oku kuthetha ukuthenga umgaqo-nkqubo phambi kokuvalwa ekhaya. Uya kufuneka uhlawule i-premiums yonyaka wokuqala kwinkampani yakho yomshuwalense ukubonisa ukuba uneshuwarensi endaweni ngaphambi kokuba uvale. Emva koko, unako ukuhlawula iiprimiyamu zonyaka kwiintlawulo zakho zokuthenga imali.
3. Intshurensi yeNtloko
I-inshuwalense yesikhokelo yenzelwe ukukhusela umboleki-mali xa kwenzeka umba kunye nesihloko kwindlu oyithengayo.
Ngokuqhelekileyo ufunwa ukuthenga ityhurensi yetayitile yomthengi, ekhishwe kwiindleko zakho zokuvala okanye uxhaswe ngemali mboleko. I-inshurensi yesihloko ngokwakho inokuzikhethela, kodwa kuyinto ekufuneka uyiqwalasele ukuba unenkxalabo malunga nomxholo wecandelo elichaphazela ukukwazi kwakho ukugcina ikhaya emva kwe nyaniso.
4. Iimvavanyo zovavanyo
I- appraisal iyadingeka ukwenzela ukuba ixabiso lexabiso lemarike elikhoyo langoku kwikhaya lakho linokumiselwa ngenjongo yerhafu. Yilungisiso olubhaliweyo lwexabiso elihlawulwe kwipropati, ngokukodwa kusekelwe ekuthengiseni okuthelekiswayo kwamakhaya asondeleyo. Umboleki ufuna i-appraisal ukuqinisekisa ukuba ikhaya lifanelekile imali oyibolekayo. Le yintlawulo enye oza kuhlawula kumboleki phambi kokuba uvavanyo lube khona.
5. Iimali zokuhlawula
Ngexesha lokuvala, i-akhawunti ye-escrow iya kubamba imali ngelixa umthengi kunye nomthengisi kugqiba isivumelwano. Ukongezelela, mhlawumbi uya kuba nenxalenye yentlawulo yakho yenyanga yokubambisa imali yokuya kwi- escrow ukwenzela ukuhlawula irhafu yepropati kunye ne-inshurensi. Okubalulekileyo, uhlawulisa ezinye iinshurensi yomninikhaya kunye neendleko zerhafu yepropati ekhaya. Ngenyanga nganye, inxalenye yentlawulo yakho yokubolekwa kwemali iya kuhanjiswa kule akhawunti yokuphumula ukuze iirhafu zepropati yakho yonyaka kunye nenkokhelo ye-inshorensi yomnini-mali ingakhokhelwa ngomhla ozayo.
6. Amaphuzu okanye iiNkcazo zokuQala
Intlawulo yemvelaphi ikhokhelwa kwibhankini okanye umboleki weenkonzo zabo ekudaleni imali mboleko. Iphulo li-1 ekhulwini le mboleko, kwaye idla ngokusetyenziswa kwindleko epheleleyo yemboleko. Kuyafana neentlawulo zentlawulo ye-inshurensi okanye irhafu yepropati, ezi zongezelelweyo zinokunyusa intlawulo yakho yenyanga.
7. Iimali zengxelo yeNgxowa-mali
Ukuze ufumane umboleko, umboleki uya kufuna ingxelo eqinisekisiweyo yemali . Le ntlawulo imincinci, ijikeleze i-$ 25, kwaye umboleki-mali unokucela ukuba uyihlawule xa kuhlolwa i-credit credit, okanye uyifake kwixabiso lakho lokuvala.
8. Amaxwebhu okuCwangcisa amaxwebhu
Ummeli-mboleko, umthengisi, okanye uvalwe uya kuhlawula umrhumo wokulungiselela amaxwebhu afunekayo kumboleko kunye nokuvala iphepha. Ezi ntlawulo zifakwe ngokukhawuleza kwiindleko zokuvala ikhaya kwaye ziyakucetyiswa ngumthengi okanye umthengisi ekhaya.
9. I-Survey Fee
Uphando lubonisa imephu okanye imephu ebonisa imida esemthethweni yomhlaba kunye nezinye iinkcukacha. Ukuba uphando olukhoyo lwelizwe alukwazi ukufumaneka, uphando olutsha luya kuqhutyelwa ukwenzela ukuba lunqume imida ekhoyo yepropati.
10. I-Pest okanye i-Inspection Inspection
Nangona ngokungafuneki ngokubanzi kwikhaya elitsha lomthengiso, ukuthengwa kwekhaya elidala kungadinga ukuhlolwa kwezilwanyana ezinjengeeditethi kunye nokubunjwa. Le mfuneko ingahluka ngendawo, kwaye iindleko zihlala zihamba phakathi kwe-$ 200 kunye ne-500.
11. Imirhumo yeNtlawulo
Kwezinye iimeko, unako ukuhlawulisa iirhafu zepropati ngokukhawuleza ukuba umthengisi sele ehlawule irhafu kwithuba apho uya kuba ngumnini. Kwakhona, kukho enye irhafu kamasipala okanye iirhafu zokuthuthwa kwamanzi okanye amanzi afuna ukunyamekelwa. Ezi ntlawulo zivame ukutyalwa ekupheleni.
12. Imirhumo yokuBhaliswa kweSizwe
Ngokuxhomekeka apho uhlala khona, kunokukho imali efunekayo yokurekhoda nokugcina ulwazi malunga nokuthengisa kunye nerejista yakho yesithili sezenzo.
Gcina ukhumbule ukuba akuyiyo yonke le mirhumo iya kuhlala isetyenziswa kwaye ingahle ishintshe ukusuka kummandla ukuya kwimeko. Ezinye ziyakususwa okanye zihlawulwe ngumthengisi okanye umthengisi wasekhaya. Kungakhathaliseki, kubalulekile ukuba uqonde ukuba zeziphi iimali kwaye ngubani onoxanduva lokuzihlawula.
Ngaphambi kokuba ugqibe ukuthengwa kwekhaya lakho, thetha kwi-arhente yakho yendawo yokuhlala, umboleki okanye ummeli wokuvala kwaye ucele ingxelo ye-HUD yokuqala. Ifom ye-standard isetyenziswe kulo lonke elaseUnited States ukwenzela iinkonzo kunye nemirhumo ehlawulwe kumthengi wekhaya ngumboleki okanye umthengisi xa ufaka isicelo semboleko. Ukuphonononga le nkcazo ngaphambi kokugqiba ukuthengwa kwekhaya lakho kuya kunceda uqonde ukuba yiziphi iimali ojongene nazo.