Yintoni i-Loan ye-VA?
Imali mboleko ye-VA mhlawumbi iyona ndlela inamandla kakhulu kwaye iguquguqukayo yokubolekisa kwimarike namhlanje. Kunokuba ikhuphe iitaliti, i-VA ithembisa ukuhlawula malunga nekota nganye yemboleko eqinisekisileyo kwimeko ekungenakwenzeka ukuba umbolekeki angenzi phantsi.
Esi siqinisekiso sinika ababolekisi abavunyiweyo be-VA xa bebolekisa ababoleki bemikhosi kwaye kaninzi kukhokelela kwizinga eliphezulu lokukhuphisana kunye nemigangatho yabaphathi beemfuno ezifanelekileyo.
Ziziphi iinzuzo eziphambili ze-VA Loan?
Ekude nakude, inzuzo enkulu kakhulu ye mboleko ye-VA ngumntu obolekayo ukuthenga ngaphandle kwemali. Ngaphandle kwe-USDA yeMboleko yasekhaya yasemaphandleni kunye neFannie Mae yeNdlu yeNdlela, konke akunakwenzeka ukufumana inkxaso-mboleko namhlanje ehlinzeka ngabboleki ngemali eyi-100%.
Iimali-mboleko ze-VA nazo ziza kunye nemigangatho engaphantsi kwemigangatho yokubhala phantsi kunye neemfuneko kuneemali-mboleko eziqhelekileyo. Enyanisweni, malunga ne-80% yababoleki be-VA abazange bakwazi ukufumana iimali mboleko eziqhelekileyo . Ezi mboleko ziza kunye ne- inshurensi yangasese yangasese (PMI), iindleko zenyanga ezifunekayo ababolekileyo abaqhelekileyo ukuba bahlawule ngaphandle kokuba bahlawule ubuncinane i-20% yemali yemboleko.
- Iirhafu zenzalo ezikhuphisanayo eziqhelekileyo ziphantsi kunezinga eliqhelekileyo
- Akukho zihlwayo zokuhlawulwa kwangaphambili
- Abathengisi banokuhlawula iipesenti ezi-6 zeendleko zokuvala kunye nemvume
- Izilinganiso eziphezulu ezivunyelwe ukuhlawulwa kwamatyala kuneminye yemali mboleko
- Ukuhlaziywa kwemali-mboleko yokunciphisa imali engadingi ukubhalwa phantsi kwesinye
Nangona kukho iimfuno ezifanelekileyo zokufaneleka, iingaphantsi kweepesenti ezili-10 zesizwe ezimalunga nama-veterans angama-25 ziye zasebenzisa inzuzo yemali mboleko yemali eyayifumana inkonzo yabo.
Abanye abantu beenyawo bakholelwa ukuba abavumelekanga, kanti abanye baqinisekanga ukuba bangathatha njani inyathelo. Uphando lwe-VA olwenziwa ngo-2004 lufumene ukuba iipesenti ezingama-20 zamaqhawe abengazi ngokupheleleyo iprogram ye-VA yeMalanti Guarantey kwaye ingaba ithetha ntoni kwiintsapho zabo.
Ngubani ovumelekile kwi-VA Imali?
Ehlabathini lonke, izigidi zamagqirha kunye namalungu enkonzo asebenzayo afanelekile ukuba athathe inxaxheba kwiNkqubo ye-VA Guarantee Programme. Abo bafikelela kwelinye okanye ngaphezulu kwezi zigaba banokufaneleka:
- Amalungu aseMpiya asebenzele iintsuku ezili-181 emsebenzini osebenzayo okanye kwiinyanga ezintathu ngexesha lokulwa
- Abantu abachithe ubuncinane kwiminyaka elishumi elinesibini kwi-National Guard or Reserves
- Amaqabane alabo abulawe kumgca wokusebenza
Isiqinisekiso sokufaneleka
Amapolisa kunye namalungu enkonzo esebenzayo kufuneka athole iSatifikethi sokuFunyezwa kwi-VA. Le ngxelo esemthethweni eqinisekisa ngokuqinisekileyo ukuba umntu obolekayo unayo imvume ye-VA kwaye uyakwazi ukuthatha inxaxheba kwinkqubo. Ilungelo liyimali yemali yoLawulo lwabaVeterli liya kuqinisekisa imboleko.
AbaPhezulu banokukhuphela iSicelo seSatifikethi sokufaneleka kwi-Intanethi. Ababolekisi abavunyiwe yi-VA baya kunceda abancedi bafumane kwaye bazalise ezi fom ngokuzenzekelayo kunye nekhompyutha.
Kubalulekile ukukhumbula ukuba akusiwo wonke umntu ofanelekileyo kwi-VA mboleko ekugqibeleni uya kufumana enye.
Yintoni endiyithenga ngayo nge-VA Loan?
Iimali-mboleko ze-VA zisetyenziselwa ukuthenga okanye ukwakha amakhaya angabodwa, kodwa ezi mboleko ziyakwazi ukunceda abadala bezilwanyana ukuba baphucule iimeko zabo zokuphila okanye bagcine imali ngaphezulu ngenyanga nganye ngokucoca. Amanqatha angasebenzisa mboleko ye-VA:
- Ukuhlawula i-mboleko ekhoyo e-VA okanye ebolekileyo ngokukhawuleza ukwenzela ukunciphisa umyinge wenani lamanje
- Ukuhlaziywa ukuze kukhishwe imali
- Ukulungiswa, ukuguqula okanye ukuphucula indawo yokuhlala yowamaqhawe
- Ngithenda kunye nokuphucula ikhaya
- Yenza uphumelelo lwamandla ngempumelelo ngeMpahla eSebenzayo yamandla ngokubambisana ne-VA yokuthenga okanye i-VA yokulungiswa
- Ukuthengwa kweyunithi yendawo yokuhlala yokuhlala kwintsapho ekuphuhlisweni kwequmrhu elivunywe yi-VA
- Ukuthenga indawo yokuhlala epulazini ukuba ibe ngumnini kunye nokuhlala kuyo
- Ukuthenga ikhaya elenziwe okanye elimodyuli kunye / okanye iqashiso
Amanqatha kunye namalungu enkonzo asebenzayo angakwazi ukusebenzisa i-mboleko ye-VA ukuthenga ipropati yotyalo-mali. Ezi zijoliswe ekuncediseni iinqwelo ezifanelekileyo ukuba zibe ngabanini bezindlu, bengabanikazi bezindlu okanye abasomashishini.
Yintoni i-Limit Limend Limit?
Ngokuchasene nenkolelo esithandwayo, akukho nto iphezulu kwi-VA yemali mboleko. Inani eliphezulu le-mboleko ye-VA liya kuxhomekeka kwizinto ezininzi. Ngokuqhelekileyo, ababolekisi abavunyiwe yi-VA baya kuhambelana nemida kunye nezikhokelo ezisungulwe yi- arhente yokuthengiswa kwemali , uFannie Mae , noFreddie Mac . Kulo lonke ilizwe, ababoleki abafanelekayo banokufumana umboleko ofikelela kuma-417,000 angama-$ ngaphandle kokubeka nayiphi na imali. Lo mda uphakamileyo kwezinye iinqanaba ezibiza kakhulu zesizwe, apho imingcele yemalimboleko ingakhuphukela kwii-625,000 zamawaka nangaphezulu.
Ngaba amaqhawe kufuneka ahlawule nantoni na?
Iimali-mboleko ze-VA zivumela i-veterans abaqeqeshekileyo kakhulu ukuba bathenge ngaphandle kokubeka idola enye ukuya kwiindleko zokuhlawula okanye zokuvala . Iimali ze-VA zeefowuni kunye neendleko zokulwa neentshaba, nangona kukho izinto ezimbalwa, njengama-appraisals, ukuba amaninzi amagosa amaninzi kufuneka afake iipokethi zawo. Amanqwelwana kufuneka ahlawule imali ye-VA yemali-mboleko, leyo yintlawulo nganye mboleko eyanceda ukuhlawula iindleko ze-VA Program Guaranty Programme. Imikhosi yamasosha kunye namalungu e-Reserve kunye ne-National Guard akhokhela amaxabiso ahlukeneyo. Nantsi ingqalelo kwiimali ze-VA zokuxhaswa:
OMkhosi
- 2.15% ngaphandle kwentlawulo
- 1.50% nge-5% okanye ngaphezulu ukuhlawula
- 1.25% kunye ne-10% okanye ngaphezulu ukuhlawula
Izibonelelo kunye noLondolozo lukaZwelonke
- 2.4% ngaphandle kwentlawulo
- 1.75% nge-5% okanye ngaphezulu ukuhlawula
- 1.50% kunye neepesenti ezili-10 okanye ngaphezulu ukuhlawula
Ukuhlawulwa kwemali-mboleko yokuhlawulwa kwemali, intlawulo ye-mali yi-2.15% yemikhosi rhoqo kunye no-2.4% weeMpahla kunye noLondolozo lukaZwelonke.
Nangona ii-veterans kufuneka zihlawule i-VA yeMali yokuXhawula, ziyakwazi ukuzithengisa kwiindleko zemboleko.
Kutheni ndingayi kukhetha i-VA Imali?
Iimali mboleko ze-VA zenze umehluko kwimpilo yezigidi zamagqirha. Bavumela amalungu omkhosi afanelekileyo kunye namalungu enkonzo asebenzayo kunye neengeniso ezincinci kunye neentlawulo ezingaphantsi-ezigqibeleleyo ukuba babe ngabanikazi bezindlu abanomsebenzi, kodwa azinokuba yiyo yonke imfuyo.
Abo bafika etafuleni kunye neengxowa-mali ezinkulu kunye neengxowa zemali bangayifumana inzala engcono kakhulu kwimali-mboleko evamile, kodwa ngokuqinisekileyo akusiyo ininzi yababoleki be-VA. Iimali mboleko zakwa-VA nazo zingaba yi-turnoff kubathengisi abathile, abanokufuna ukuhlawula imali eyongezelelweyo yokuvala iindleko okanye benze ukulungiswa okungekho.
Iimali-mboleko ze-VA nazo zinamanye amaqhinga asekuhlaleni njengoluqilima kwaye kunzima ukwenza. I-arhente iyancishiswa ngakumbi kwaye iphumelele namhlanje kunokuba yayineminyaka edlulileyo. Kwiimeko ezininzi, i-mboleko ye-VA iya kuba yinto efanelekileyo yokufumana isilwanyana esifanelekileyo, ilungu leenkonzo okanye iqabane.
Akukho mveliso yokubolekisa inokufanisa izibonelelo kunye namandla okuthenga.