Nangona bonke ababolekayo abanokubakho bahlukile, unokuba yinxalenye yeqela ukwenza isigqibo phakathi kokuhlawula okuphantsi kwe-FHA okanye inkokhelo engaphantsi kwenyanga ekhethiweyo yokukhetha imali xa kuthelekiswa nokuxhasa nge-FHA.
Ngenxa yokungabikho kwinshurensi karhulumente, iimboleko eziqhelekileyo ziba mngcipheko ophezulu kubaboleki.
Ngaloo ndlela, ukuba unqwenela ukuthenga ngemali yakho entsha yokuthenga ngekhaya ngemali-mboleko eqhelekileyo, kufuneka udibanise iimfuno zemali kunye neengeniso ezifumanekileyo kunabo abaxhasa iimpahla zabo ngokusebenzisa i-FHA okanye i- VA mortgage .
Ukuba unetyala lekhredithi, inzuzo engenako kwaye ingakwazi ukuhlawula intlawulo, iimali-mboleko eziqhelekileyo zisoloko zinikela ngenani lemali elincinci kunabalingane babo.
Ziyakwazi nokuba lula kwaye zikhawuleze ukuvala ngaphezu kohlobo lwabo baseburhulumenteni.
Nangona iimali-mboleko ze-FHA zifuna ipropati ukuba ihlangabezane nezikhokelo ezifanelekileyo ezifanelekileyo ukufikelela kwintengo, indawo kunye nokuhlala kuzo, ababolekisi abaqhelekileyo ababophelelwe yimimiselo efanayo ye-bureaucratic.
Ngaloo ndlela, ababolekisi bangasoloko benza iinkqubo zemali eziqhelekileyo ngokukhawuleza kunemali yokubolekwa kwee-insured. Kwakhona, imfuno ephezulu yokuhlawula iimali-mboleko eziqhelekileyo inceda ukwakha ubulungisa ngokukhawuleza.
Imithwalo-mboleko eninzi eqhelekileyo idinga ukuba ubuyisele ixabiso lemali-mboleko epheleleyo kwisantya esinomdla kwisithuba seminyaka engama-30.
Unokukhetha kwakhona umyinge we-mortgage rate (rate rate rateable rate mortgage) apho izinga lenzalo lingagqitywanga, kodwa kunxulumene nomyinge we-market current. Umboleki-mali onokulungiswa kwemali-mboleko angalindela ukuba inzala yakhe ithinteke ngokukhawuleza.
Uhlelo oluqhelekileyo lokuthenga lukhetho olukhulu xa ukhangele ukuthenga ikhaya elitsha njengendawo yokuhlala eyona ndawo, ikhaya lesibini okanye utyalo-mali. Qaphela ke, zonke iintlobo zokuhlala ezintathu ziza kunye nemigaqo emiselweyo kunye nezikhokelo malunga nendlela okufanele zibhalwe ngayo.
Njengemigaqo-mboleko yokubambisa imali, njengoko uqhubela phambili kwimiba yengozi ukusuka kwindawo yokuhlala eyimimandla ukuya kwipropati yotyalo-mali, izikhokelo zigcinwe phezulu.
Izikhokelo zokubhala phantsi kwe-Fannie Mae kunye noFreddie Mac zenziwe. Ngokubanzi, izikhokelo ezisisiseko ezifunekayo kubo bonke ababolekayo ukuhlangabezana namanqaku athile eemali-mboleko, ingeniso, imbali yomsebenzi, ityala lokufumana imali kunye neentlawulo ezisezantsi.
Ngezantsi zizinto ezimbalwa zezinto ezibolekisa umbolekisi xa beqwalasela imali.
Iindleko zakho zenyanga nyangazonke
Ingeniso yakho epheleleyo ngenyanga
Imbali yakho yengqesho
Amanqaku akho ekhredithi kunye nembali yentlawulo
Iimpahla zakho (ukujonga, ukugcina imali, kunye ne-akhawunti yomhlalaphantsi)
Ukungaqondi kakuhle ngokuphathelele ukulungiswa okuqhelekileyo kukuba ufuna i-20% ukulingana ukuze ufaneleke. Ukunyaniseka kwezinto eziqhelekileyo kukuxhasa ukuhlaziywa kunye ne-5% yokulingana kunye nentlawulo yemali, yenyanga, okanye umboleki-mali.
Kutheni Iingxowa-mboleko Zesivumelwano Sokuthenga Impahla Eyona Nkulu?
Inkqubo yokuThengwa kweNgcaciso inexabiso elikhuphisana kakhulu nakwezinye iiprogram ezikhoyo. Oku kungenza umehluko omkhulu kwinkokhelo yakho yenyanga yokuhlawulwa kwemali kunye nomdla oya kuwuhlawula ubomi bomboleko.
Ubungcali bakho bokuthenga ngempahla kufuneka ukuba ngokucacileyo kwaye kubonakalisa ngokucacileyo inzuzo kunye nokuqhelana phakathi kweemali-mboleko eziqhelekileyo kunye nezo zinikezwa yi-Federal Housing Administration (FHA), ulawulo lwezilwanyana (VA) kunye neSebe lezoLimo lase-US (i-USDA).
Oko kuthetha, makhe sixoxe ngemali-mboleko evamile edla ukunikezela ngeentlobo ezininzi.
Ngomboleko oqhelekileyo, oquka ukubolekisa ngemali kunye nokungahambisani, ungafumana izandla zakho kwi-ARM yeenyanga-1 ukuya ku-30 ubudala, kwaye yonke into ephakathi.
Ngoko ukuba ufuna iminyaka engama-10 edityanisiweyo, okanye i-ARM yeminyaka engama-20 ubudala, unyaka o-20 ochanekileyo okanye nantoni na, umboleko oqhelekileyo uya kubonelela ukuba ukhetho lokuthenga imali kwaye ube yindlela ofuna ukuyifumana ngayo.
Enye kunye neentlawulo zemali eziqhelekileyo kukuba zifumaneke kakhulu kwiibhanki kunye nabanikezeli bemali kwilizwe. Oko kuthetha ukuba ungasebenzisa nayiphi na ibhanki oyifunayo kunye / okanye ukuthenga ireyithi yakho ngaphezulu. Akubona bonke ababolekisi ababonelela ngeemveliso ze-FHA, ngoko unako ukukhawulelwa kule ntlawulo.
Ukongezelela, iimali-mboleko eziqhelekileyo zingasetyenziselwa ukuxhasa ngemali malunga nayiphina impahla, ngelixa ezinye izakhiwo ze-condo (kunye nezinye izindlu) azivunyelwanga nge-FHA.
Nangona le nkqubo inzima kunzima ukuyifumana, kufuneka uyiqwalasele, ngokukodwa ukuba unobulungisa ekhaya lakho, ngaphezu kwentengo yemboleko, okanye ungathanda ukuphepha ukhuseleko lwe-inshurensi.
Ziziphi iimfuneko zokuQinisekisa iimfuno?
Nceda uqaphele ukuba imeko yakho yinto ekhethekileyo kwaye uludwe olungezantsi alukho nto ekubhekiselelwe kuyo ukugqithisa amaxwebhu acelwa ngumqeqeshi wempesheni oye wahlolisisa yakho imeko
Umlinganiselo omncinci wesikweledu 640 (620 unokuvunyelwa kwezinye iimeko)
Ingxowa-mali epheleleyo kwingeniso engaphantsi kwama-45%
Iingxowa zezindlu kwiholo elingaphantsi kwama-35%
Ayikho enye imali yakutshanje yokukhwabanisa - ukuchithwa, ukuchithwa okanye ukuthengiswa okufutshane
Kufuneka uqinisekise ubungqina bakho phantsi kwaye ufumane imali kwi-source evumelekileyo, ebhaliweyo
Ingeniso eqinisekisiweyo, ngokuqhelekileyo kwiminyaka emi-2 efanelekileyo, kunye nezikhundla ezigqityiweyo kunye neziganeko ezibalulekileyo zokuphila