Ziziphi na amaxwebhu endikufuna ukuba afumaneke ngokufanelekileyo kwi-Mortgage Convention?
Ikopi yelayisensi yomqhubi
Iminyaka emibili ukubuyiselwa kwentela epheleleyo-onke amaphepha kunye nazo zonke iishedyuli
Ii-stubs ezimbini zokuhlawula ngokutsha zonyaka ohlawula umvuzo
Izitatimende ezimbini ze-asethi zakutshanje - onke amaphepha anembali epheleleyo yokuthengiselana
Ikopi yesitatimende sakho sokubambisa imali ukuba ngaba unayo
Iinkcukacha zoqhagamshelwano kwi-ejenti yomshuwalense
Mhlawumbi iqela lamanye amaxwebhu kwakhona
Ingakanani umthengisi angahlawula kwiindleko zokuvala kwam?
Ngokuqhelekileyo umthengisi angahlawula i-3% yentengo yokuthengisa ekupheleni. Ukuba uhlawula intlawulo ngaphezu kwe-10% banokuhlawula ukuya kwi-6% ekupheleni kokuvala kwakho. Oku kucinga ukuba ukuthengwa kwekhaya lakho kukuhlala kwindawo yokuqala. Izakhiwo zotyalo-mali zifakwe kwi-2% evumelekileyo kumthengisi ehlawulwe iindleko zokuvala.
Akukho naziphi na izikweletu zokuthengisa ezingasetyenziselwa ukuhlawula intlawulo. Intlawulo ephantsi kufuneka ivela kwiimali zakho kunye / okanye izipho.
Ziziphi iintlobo zamakhaya endingazithengayo ngezimali eziqhelekileyo?
Iimali-mboleko eziqhelekileyo zivumela ukuba uthenge amakhaya angabodwa ekhaya, ii-condos, iimpahla zokutyalomali, i-townhomes, i-lofts kunye nemizi ye-2 yeholide.
Kulungile nantoni na into efanelekileyo yendawo yokuhlala kwendawo yakho. Ngokomzekelo, unokwenza uxinzelelo lokuxhasa i-log cabin eLos Angeles kuba ngokucacileyo akuyiyo impahla yokuhlala kwi-LA.
Ndiya kuba ne-inshurensi yokuthenga
Ewe (ngokuqhelekileyo), ngaphandle kokuba ufake i-20% phantsi .
Kukho iinkqubo zokuthenga eziqhelekileyo ngaphandle kwe-inshurensi yokuthenga imali. Nangona kunjalo, le nkqubo yenkxaso-mboleko yenzelwe ukulungiselela iintsapho eziphantsi okanye eziyingenelo kunye neendlela ezisetyenziselwa ukwanelisa iimfuno zomthetho we-Community Reinvestment Act ezifakwe kwiibhanki ezinkulu.
Oku kubandakanya i-inshurensi yenyanga yenyanga, i-inshurensi yemali yesikhwama se-mortgage okanye umboleki-mboleko.
Ngaloo nto, ixabiso le-inshurensi yangasese (PMI) uya kuhlawula ngokupheleleyo ngokusekelwe kwengozi yakho yokuthenga imali kwibhanki.
Amanqaku okuthenga ngetyala kwiiphelo eziphantsi kweemali eziqhelekileyo zokuxhaswa kwemali yokunyusa imali ziya kwandisa i-PMI yakho ngenyanga. Kuyafana nokulinganisela kweetyala-kuya-ingeniso ezivusa i-45% evumelekileyo ukuba uFannie Mae noFreddie Mac bakhethe.
Ngaba kufuneka ndifumane ukuhlolwa kwekhaya?
Ewe, ihlale ilungileyo ukuba ufumane ukuhlolwa kwekhaya ngaphambi kokuba uthenge ikhaya. Ngaloo ndlela uyazi ngokukhawuleza ukuba kukho nayiphi na imiba kunye nepropati ocingela ukuyithenga.
Nenye yezona zixhobo zokuthengiselana ngexabiso lokuthenga. Iingxaki zingenakukuphazamisa kwipropati, kodwa zinokukunciphisa ixabiso elimnandi xa udlala amakhadi akho ngokufanelekileyo.
Kuthatha ixesha elingakanani ukuthenga ikhaya?
Ixesha elivakalayo lokuthenga ithetha malunga neentsuku ezingama-30 nangona i-federally federally (CFPB) inikwe izikhokelo zokubhengezwa ziyakwandisa ixesha elifunekayo ukuvala xa zisetyenziswe ngasekupheleni kuka-2015.
Le festile yeentsuku ezingama-30 iphinda iqinisekise ukuba unamaxwebhu akho afumanekayo, unikele ngolwazi oluchanekileyo nolungqinisisiweyo kwisicelo sakho sokuthenga imali kwaye uhlale ukhuthalele ukuhlonipha izicelo zamaphepha ezongezelelweyo ezithi, ngokuqinisekileyo, zivela kwi-underwriting.
Kwakhona kunceda ukuba ucwangcise i-appraisal yakho ngokukhawuleza. Phambili.
Inzala yam inqwenela njani?
Umyinge wenzala owufanelekeleyo usekelwe kwingcipheko oyibekayo. Le nqanaba elijongene nobungozi lijoliswe ngokukodwa ngolu hlobo: izikolo zemali-mboleko, ukuhlawula intlawulo, uhlobo lokubolekwa kwemali mboleko, i-inshurensi yokuboleka imali okanye akukho ninshuwalense yokubolekwa kwemali kunye ne-market bond.
Zonke ezi zinto zidibene zidlala indima kwinqanaba lomyinge onelungelo lokufumana.