Kwezinye iimeko, urhulumente akaboleki imali ngqo. Kunoko, iimali-mboleko zinikezwa ngabathengi (njengeebhanki kunye nenkampani zezimali) kunye noxhaswa nguRhulumente wase-US: urhulumente uthembisa ukubuyisela ukuba wena, umboleki, uyakwazi ukwenza njalo. Esi siqinisekiso siyanciphisa umngcipheko kubabolekisi kwaye sibenza bazimisele ngakumbi ukuboleka amaxabiso athile, kwaye banokukulungele ukuboleka kwiimeko xa ungeke uvumeleke ukuboleka imali.
Kukho iintlobo ezininzi zeemali-mboleko ezikhoyo, kunye neeprogram ezitsha zize zize ziphendule kwiziganeko ezifana neentlekele zendalo kunye nezinye iintlungu. Iintlobo zemali mboleko eziqhelekileyo zi:
- Mboleko ya bafundi
- Imboleko yezindlu, kubandakanywa iintengo zemali kunye nokuphucula amakhaya
- Imboleko yemicimbi yezo shishino, kuquka iifama kunye namafama
Imali yeMali
Ukuba udinga uncedo lokuhlawula isikolo, iimali-mboleko zomfundi (phantsi kweProgram yeNgxowa-mali ngqo) mhlawumbi unokukhetha. Zikulungele ukufaneleka, zinezinga lokukhuphisana, kwaye zinikeza ukuguquguquka xa ufika ezinyaweni zakho (kwaye xa ushaya isantya esithile ngokukhawuleza ebomini). Ngokomzekelo, ngexesha lokungasebenzi, unokukwazi ukunqumla iintlawulo zakho zemboleko kwesikhashana . Unokunciphisa ukuhlawulwa kwemali-mboleko efunekayo ukwenzela ukuba ufikeleleke (unikezele ngenqanaba lakho lentlawulo).
Iinkqubo zemboleko eziqhelekileyo ziquka:
- Imali-mboleko yakwaPerkins - ukhetho lokuqala kubafundi, nangona ungeke ufaneleke
- I-Stafford Imali - kulula ukuyifumana. Inzala ingahlawulwa.
- INGXELO Imali-mboleko - abazali banokuboleka imali eninzi - kodwa oko kuthetha ukuba abazali baya kufuneka bahlawule
Xa uboleka imfundo, phantse njalo uyenza ingqiqo kakhulu ukuboleka kangangoko unakho kwiinkqubo zikaRhulumente ngaphambi kokuba ubenze kubani-mboleko bangebucala .
Ababolekisi ngabangasese banakho ukubonelela ngeempawu ezixhamla umboleki, kodwa ababanomdla kakhulu kunemali mboleko kaRhulumente. Bahlala benamazinga atshintshayo, kwaye banzima ukufumana (uya kufuna i-credit entle okanye umququzeleli ).
Imirhumo kaRhulumente yeZindlu
Urhulumente wephondo ukhuthaza ubutyebi bendlu. Ngokuqinisekileyo kukho impikiswano malunga nale ngongoma, kodwa ukulungiswa kukuba abanini bezindlu banethuba lokwakha ubulungisa emakhaya abo nokuphucula umgangatho wabo wokuphila. Bandakanyeka kuluntu, banenkathalo malunga neepropati zabo, kwaye bayakuvuyela umgaqo wokulawula indawo yabo yokuhlala.
Iiprogram zokuQala iiKhaya zoNyaka
Bancedisa abantu ukuba bangene kubunikazi basekhaya. Ezi zinokunikezwa ngeenkqubo zorhulumente okanye zendawo, kunye nezinye iinkampani ezingenzi nzuzo. Izixhobo ziquka ukuhlawula uncedo lokuhlawula okanye irhafu ephantsi. Nangona kunjalo, le nkqubo ayikho inkululeko-yonke. Ababolekisi bavame ukukhawulelwa kwiibhanki ezithile zokufumana imali, kwaye kunokuba nemida malunga nokuba unokuzuza njani ngokunyuka kwexabiso lekhaya lakho.
FHA Imali
Ziphakathi kwezona zikhethwa kakhulu ezibolekileyo kubboleki abafuna ukwenza intlawulo encinci. Unokubeka phantsi nje ngo-3.5%, kwaye kulula ukusebenzisa izipho kunye nokuvunyelwa ukuvala iindleko zokuvala.
Nangona kunjalo, kuya kufuneka ukhokhe i-premium yomshuwalense eyongezelelweyo kunye nexesha elingaphezulu kwexesha elingenakusebenza kuyo. Funda ngokubanzi malunga nendlela i-FHA mboleko esebenza ngayo .
Iinkqubo zokuQala kwakhona
Inkxalabo yokubolekwa kwemali iyasemva kwethu, kodwa ezinye azikafumaneki. Eminye, iindawo zendawo zingaphinda zihlawule ixabiso lekhaya. Ukuba awukwazi ukuhlaziya (kuba ungaphantsi kwamanzi, umzekelo), kukho iiprogram zenkxaso-mboleko ezininzi ezikhoyo .
Ezinye iinkqubo
Iiprogram ezininzi ezithandwayo-mboleko zixhaswa ngu rhu lumente okanye arhente karhulumente. Umzekelo, ii-VA zemali-mboleko zifumaneke kubaxhasi kunye nabakwi-veterans, kunye ne-USDA mboleko inikela kwi-100% ngemali yabathengi abathile kwimimandla yasemaphandleni.
Ukuphucula iKhaya kunye nokuCoca
Ukuba unayo ikhaya elidinga ukulungiswa (okanye uthenga enye), urhulumente uzimisele ukukwenza indlu yakho kunye nomakhelwane ube yindawo ecocekileyo, ekhuselekile, ebanziweyo.
I-FHA 203 (k) iimali-mboleko zinika inkxaso-mali yokuthengwa okanye ukuvuselelwa kwekhaya. Emva kweentlekele, i-US Small Business Administration (SBA) inikezela ngemali yokulungiswa kwindawo yokuhlala yokuhlala oyintloko kwaye ithathe indawo ethile. Nangona umbolekiso we-SBA, akufanele ube neyeshishini.
Ukongeza kwimali-mboleko yokuxhasa, urhulumente unikezela iinkqubo ezinokukunceda ukunciphisa inani olibolekayo. Abasebenzi bakarhulumente njengamagosa okuthotyelwa komthetho, ootitshala, abacimi bomlilo kunye nee-EMTs nabo banokuzuza kwiNkqubo yoLondolozo oluPhezulu lwaseMvakeleni.
Projects Green
Oorhulumente beengingqi banokubonelela ngeenkqubo ezikunceda ngokuphucula amandla okwenziwa kwamandla. Iiprogram ze-PACE zinikezela ngemisebenzi yeeprojekthi ezifana nokufakwa kwelanga, ukulungiswa komhlaba okuzinzileyo kunye nokunye.
Imali Yemali
I-tide ekhulayo ifaka zonke iinqanawa: amashishini amancinci adala imisebenzi kubantu basekuhlaleni, kwaye bavelisa imali yengeniso kubarhulumente basekuhlaleni naseburhulumenteni Ukuba ufuna uncedo oluqala okanye ukwandisa uqeqesho lwakho, yenza iiprogram zemali mboleko zikaRhulumente kuqala. Imali-mboleko ye-SBA kufuneka ibe yinto yokuqala yokukhetha, kwaye ikhona kwiibhanki ezininzi zendawo kunye neemanyano zemboleko.
Nangona urhulumente unceda ngokuqinisekisa ngemali-mboleko, kuya kufuneka ubeke isikhumba kumdlalo. Yilungele ukwenza isiqinisekiso somntu siqu kwiimali-mboleko ezininzi zebhizinisi ozifaka isicelo.
I-SBA 7 (a) imboleko encinci yezo shishino yiprogram ebolekayo yokubolekisa imali, i-$ 2 yezigidi. Ezinye iimali-mboleko zifumaneka kumashishini amancinci. Ngokukodwa, i-SBA ikhuthaza iinkqubo ze-microloan zokuncedisa amashishini amancinci kunye nokungenzi nzuzo.
Imboleko Yomntu
Urhulumente wesigqeba awunikeli (okanye isigunyaziso) ngemali mboleko engaqinisekanga . Iiprogram zemali-mboleko zivame ukukhonza injongo ethile njengemali yakho yemfundo, ukuqala nokukhula kwishishini, okanye ukukhuthaza izindlu ezikhuselekileyo nezokugcinwa kakuhle. Kunzima ukuchaphazela indlela imali echithwa ngayo ngemali mboleko, ngoko-ke imigaqo-nkqubo ayinakukwazi ukukhuthaza loo matyala. Izindlela zakho ezikhethileyo zokuboleka mboleko zi:
- Ukutyelela ibhanki yendawo okanye umanyano wekhredithi uze ufake isicelo semboleko
- Zama inkokhelo ye- intanethi ehloniphekileyo okanye inkonzo ye- P2P
Ngenxa yokuba akukho sikhokelo sikarhulumente kwilo tyala, unokuba nexesha elinzima ukufumana imvume: uya kufuna i-credit efanelekileyo kunye neengeniso ezaneleyo ukuze ufumane umboleko. Ukuba unenkathazo yokufumana isigunyaziso, unokuba ubophezele ukubambisana okanye ucele umntu ukuba akhokhe umboleki nawe.