Nangona kunjalo, kuyaqhelekileyo ukuba abathengisi bahlawule iindleko zemali zokuvala kwabanye abathengi kwiimeko ezithile.
Abathengisi kaninzi banokuhlawula zonke okanye inxalenye yeendleko zokuvala umthengi phantsi kweemeko ezifanelekileyo.
Bangakanani Abathengi Abafuna Imali Yokuvala Iindleko?
Zonke iimali-mboleko zihlukile, kodwa ulawulo olulula-lwe-thumb ukufumana inani elithengwa ngumthengi kufuneka lihlawule iindleko zokuvala ukuphindaphinda ama-3 ekhulwini kwixabiso lokuthenga . Oku akusiyo inzululwazi eyiyo, kwaye kunokubangela iingxaki xa umthengisi ekulungele ukuthenga ngetyala, uthi, iipesenti ezintathu zexabiso lokuthenga kumthengi kodwa iindleko zokuvala umthengi ziphantsi. Kukho neengxowa-mali eziza kuvumela iitaliti enkulu kodwa zimbalwa kwaye ziphakathi kwezi ntsuku.
Yithi intengo yokuthenga i-$ 300,000. Ukuba i-credit engaphezulu ivumelekile i-$ 9,000, abathengi akufanele bacele umthengisi ukuba abanike i-$ 10,000 ngenxa yokuba umnini-mboleko wabo akayi kuvumela loo mali. Ngaphezulu, ukuba iindleko zokuvala zomthengi zongeza kwii-8,000 zamaRandi, umzekelo, kukho imali engama-1 000 yekhredithi engasetyenziswanga ukuba isetyenziswe xa i-ejenti yomthengi kunye nomthengisi basebenzise ubuncinane.
Baya kuthenga umlinganiselo wenzala ukuba akukho nto.
Akuyena wonke umthengi wekhaya oza kucela iipesenti ezi-3 zexabiso lokuthenga. Abanye abathengi basenokuba baninzi benani lokuvala imali kwibhanki kodwa bangaba mfutshane amawaka ambalwa. Ngaloo mzekelo, babeza kucela i-$ 1,000 ukuya kwii-3,000 zamawaka okanye njalo. Ingaba yimali eyahlukileyo kuxhomekeke kwiimfuno zomthengi.
Ngowuphi uhlobo lwabaThengi baseKhaya abanokuthi bacele iCredit Credit Cost?
Abathengi abacela ixabiso lokuthenga ixabiso lemali-mboleko bavame ukuthenga abathengi kwikhaya lokuqala. Basenokufumana i-VA okanye i- FHA mboleko . Isizathu sokuba ezo mboleko zivame ukubandakanya uhlobo oluthile lokuthengisa ngetyala kukuba ubuncinane bentlawulo ye-FHA yi-3.5 yeepesenti yentengo yokuthenga kunye ne-VA iyancipha. Ezi mboleko zivumela abathengi abaneendawo zokugcina iimpahla zokuthenga indlu.
Uninzi lweentlobo zabathengi abanayo imali eyongezelelweyo kwibhanki ukuhlawula iindleko zokuvala ezifunekayo ngasentla naphaya kwexabiso lokuthenga. Nangona kunjalo, ndibuye ndithenge abathengi ababeka phantsi iipesenti ezingama-20 kunye nemboleko eqhelekileyo cela umthengisi ngokuvala uncedo lweendleko. Ukuba umthengi uyakhangelana ngokwaneleyo kumthengisi, umthengisi angavuma.
Iingcebiso zokucela uMthengisi ukuba akhokhe iindleko zokuvala
Inombolo enye indlela abathengi abaninzi abafumana ngayo abathengisi ukuhlawula iindleko zemali yokuvala kukunyusa intengo yokuthengisa ukuhlawula iindleko ezongeziweyo. Ngokomzekelo, masithi intengo yokuthengisa i-$ 300,000, kwaye abathengi badinga ipesenti ezintathu zokuthenga. Ukuba unokwahlula intengo yokuthengisa ngo -97, loo nto yayiza kulingana ne-309,278 yezigidi. Ukuba uthabatha i-309,278 yeepesenti ezingama-3 kwaye uyayichitha kwixabiso lokuthengisa, umthengisi usenayo i-$ 300,000.
Abathengi abaninzi bajikeleza loo mali ukuya kuma-309,500 okanye i-$ 310,000 kunye nokucela i-3% yeentengo zemboleko. Emva koko umthengisi ufumana imali efanayo kunye nokuthengisa kwixabiso lentengo ye-$ 300,000.
Ingxaki ekule ndlela yenzeke ukuba ikhaya lingazibonakalisi ngethengi lomthengi kwi $ 310,000? Ukuba akukho nalungiselelo yale nkontileka yokuthenga, umthengisi unokubambelela ukuhlawula ityala kwixabiso elithengisayo kunye ne-netting ngaphantsi komthengisi kulindeleke.
Ukunikezela ngeShishini lokuThengiswa kweMali yokuVala iMali
Abadayisi bavame ukuvuma ukuhlawula iindleko zemali zokuvala xa befumana yonke into abayifunayo. Abathengi bafuna abathengi abafanelekileyo abaya kuvala ukunyuka kwaye bangabangeli nayiphi na ingxaki ngexesha lokuxoshwa. Ngamanye amagama, zinikezela ukuthenga ikhaya kwi-AS AS IS imeko kwaye uqinisekise umdayisi umthengi uya kukhathalela nayiphi na imiba yokuhlola ekhaya emva kokuvala.
Abathengisi abaninzi kakhulu, kuyafaneleka ukuba unikeze isaphulelo esincinci kwixabiso eliphambili ngokubuyisela isiqinisekiso sokuthi i-escrow iya kuvala ngexesha ngaphandle kwama-hassle. Abanye abathengisi basebenze uguquko oluncinane kwixabiso lokuthengisa, ukuqala, ngoko akunzima ukunikela ngetyala lokuvala.
Ukuba umdayisi akafuni ukuhlawula ipesenti ezipheleleyo ezi-3, cela kancane ngaphantsi, kwaye ufumane indlela yokufumana imali ngaphandle kokuboleka imali. Ukuba umboleki ubeka ipesenti ezili-10, mhlawumbi ukuhlawula kwehla kungancitshiswa kuma-5 ekhulwini, ukushiya imali kwiindleko zokuvala. Abathengi akufuneki phantsi kweyiphi imeko ukuboleka iindleko zokuvala kuba umboleki akaziyi kuvumela, kodwa akuthethi ukuba umthengi akakwazi ukuphepha kwibhangi likaMama noTata ngesipho.