Ewe, Unako ukuthenga ikhaya kwikhaya lomhlalaphantsi
Akumele uyenze ngale ndlela. Unokufumana umboleko emva kokuba uthatha umhlalaphantsi .
Ukuze ndifumanise iimfuno ezithile, ndathethana noPatrick Gavin, uMphathi weSebe kunye ne-VP yeMali yokuThengwa kwemali kwiNqanaba eliQinisekisiweyo, i-8 yesona sikhulu sebhanki yokuboleka imali ngasese kwi-US Rate.
UPatrick ube ngumbolekisi ukususela ngowe-1974.
Makhe sijonge oko ndakufunda kuPatrick malunga noko kuthatha ukuthatha imali emva kokuba uthathe umhlalaphantsi. Ndiphule izinto kwiinqanaba ezi-6 eziphambili.
Ukuqulunqwa kweNgeniso yabaRhafi
Abahlala kumhlala-phantsi bacinga ukuba ukuba abanakho ukuhlawula imali, abayi kufaneleka ukufumana imali yokuboleka imali ngenxa yokuntuleka kwemali engenayo.
Enyanisweni, ababolekisi baneendlela ezimbini ezichazwe ngezantsi ezingasetyenziswa ukubala imali engenayo yokuthatha umhlala-phantsi.
Ukwehla kweNkqubo yoKuhlala phantsi
Ukuthatha umhlala-phantsi olandela isicwangciso apho bahlala khona umhlala-phantsi kodwa banokulibazisa ukuqala koKhuseleko loLuntu okanye imali yengeniso yomhlala-phantsi, ukhetho olukhethekileyo luyenzela ukusebenzisa "ukuchithwa kwexabiso" kwinkqubo yokumisela ingeniso. Nantsi indlela esebenza ngayo.
Ngethuba nje umntu obolekayo angama-59 ½ umboleki-mali angasebenzisa ukurhoxiswa kwamva kwiakhawunti yomhlala-phantsi njengobungqina bemivuzo. Ngokomzekelo, ukuthatha iingxelo zebhanki zakutshanje zibonisa ukuhoxiswa kweedola ezingama-4,500 ngenyanga ukusuka kwi-IRA (umboleki-mali ufuna ukuboniswa ukuhoxiswa kweenyanga ezimbini).
Le $ 4,500 iya kuqwalaselwa ngenyanga. Ngamanye amaxesha umboleki uya kufuna i-letter evela kumcwangcisi wezemali okanye kwisiko lezemali eliqinisekisa ukuba le mali ihoxiswa.
Indlela yokuSuswa kweeAset
Ukuthatha umhlala-phantsi kunye ne-asethi eninzi etyalomali, indlela yokuchithwa kwe-asethi yokumisela ingeniso ingasebenza kakuhle.
Ngale ndlela, umboleki-mboleko uqala ngokubaluleka kwangoku kweempahla zezimali. Emva koko basusa nayiphi na imali eya kusetyenziselwa ukuhlawula iindleko zokuhlawula kunye nokuvala. Zithatha i-70% yentsalela kwaye izahlula ngeenyanga ezili-360.
Umzekelo, cinga ukuba umntu unayo i-$ 1 yezigidi kwiimpahla zeemali. Baya kusebenzisa i-$ 50,000 yokuhlawula imali. Okushiya i $ 950,000. Thatha i-70% yaloo nto, eyi-665,000 yee-$ kwaye ihlukaniswe ngu-360. Isiphumo, i-$ 1,847, yintlawulo yenyanga yetshenziselwa ukufumana umboleki.
Kakade nayiphi na enye imithombo yengeniso efana nemali yengeniso yomhlalaphantsi, iNkcazo yoLuntu, okanye ingeniso yenyanga yemali iya kubalwa ngaphezu kwenkcitho ngenkqubo elapha ngasentla.
Amatyala kwiRhafu kunye neZindlu zeMali
Xa umvuzo sele uzimisele, ityala lakho lilonke kwinani lentlawulo kunye neendleko zezindlu kufuneka zihlangabezane neemfuno zabathengi.
Amatyala kwiRatio yeNgeniso
Kwi-Mortgage Qualified (QM) yokuboleka ephantsi kweemfuneko zokulawula izixhobo ezikhuselekileyo ezingekho ngaphezulu kwe-43% yengeniso yakho inokuya kwi-debt service. Olu hlobo lweentlawulo zetyala kwi-engeniso libizwa ngokuba yi-matyala kwingeniso yemali.
Amatyala aquka iintlawulo ezifunekayo ezifana ne-alimony kunye nenkxaso yabantwana kunye neentlawulo zeemoto, iintlawulo zemboleko zezikolo, iintlawulo zeemali ezincinci kunye nentlawulo yakho yokuhlawula indlu kuquka nenqununu, inzala, irhafu kunye ne-inshurensi.
Into enye enokufumana umhlala-phantsi kwiinkathazo kule ndawo ibhalisa ngokubhalisa kwiingxowa-mboleko kubantwana abadala. Nangona unobhaliso lwentsebenziswano, ezo ntlawulo zinokubalwa njengentlawulo ehlawulwayo kwaye inokunciphisa ikhono lakho lokufaneleka.
Ukulinganiswa kweendleko zezindlu
Iindleko zakho zezindlu ziquka inqununu kunye nenxenye yenzalo ye-mortgage kunye nentlawulo kunye ne-inshurensi (ebizwa ngokuba yi-PITI). Lo mgangatho kufuneka ube ngaphantsi kwe-36% ebonisa ukuba izindleko zakho zezindlu azikwazi ukudlula i-36% yengeniso yakho.
Iimfuno zeeKredit Credit
Umboleki ngamnye uya kuba nezikhokelo zesikhokelo sesikweletu, kodwa enye into enokuqinisekileyo-i-lower score yakho yamanqaku, iphakamileyo inzala yakho. Ukuba ufuna iirhafu ezingcono, fumana amanqaku akho ekhredithi ukuya kuma-780 okanye angcono.
Umlinganiselo wekhredithi olungcono unokukunika kwakhona igumbi elincinci kwezinye iindawo ezifanelekileyo.
Ngokomzekelo, uPatrick wayesebenza nombolekayo owayenamanqaku angaphezulu kwama-780, kwaye umbolekisi wenza imali mboleko nangona ityala lokufumana umvuzo lalingama-48%.
Isimo soMsebenzi
Enye into esetyenziselwa ukufumana umyinge wakho wemali kwi-mortgage yinto efunekayo kuyo. Ngaba le nto iya kuba yindlu yokuqala okanye yesibili? Amakhaya aphantsi afumana amanani angcono.
Ubeka imali phantsi
Njengokuba umhlala phantsi, ukufunwa kweentlawulo ezifunekayo kuyahluka kuye kuxhomekeke kwinkqubo yokufumana imali. Ngomlinganiselo wokuthatha umhlalaphantsi, unako ukubeka ngaphantsi kwe-5%. Ukucwangcisa i-plan yeendlela zokwehlisa i-30% phantsi.
Kwaye ukuba ucinga ukuza kunye nentlawulo yakho ngokuthatha i- chunk enkulu yemali ephuma kwi-IRA okanye enye iplani yomhlala-phantsi ehlawulwe irhafu, ndiya kukucebisa ukuba uphinde ucinge ngoku. Ukuba ukuhoxiswa konke kuya kuba yimali engenayo ehlawulwayo kwaye kuthathe i-chunk enkulu ngaphandle konyaka omnye kunokukuqhubela kwi- bracket ephezulu .
Ukuvalwa kweposi emva kokuvala
Enye imfuno iya kuba yintlawulo ye-asethi yokuvala emva kokuvala. Ababoleki bafuna ukubona ukuba ubuncinane ubuncinane beenyanga zenyanga izindleko zezindlu (i-PITI) njengendawo encinane yokugcina emva kokuba uthenge ikhaya. Ukubala oku, umbolekisi uya kuhlanganisa zonke iimpahla zeemali ezingenakqiniswa (oku kuthetha ukuba ufuna iimali zeengxelo) kwaye usebenzisa i-60-70% yaloo mali.
Ezinye iinkqubo zokuboleka
Ukuba ufanelekile njengowomdala, unokufuna ukujonga kwi-VA Loan. Nge-mboleko ye-VA ungayifaka phantsi, kodwa endaweni yokuhlawula uya kuhlawula imali yokufumana imali engama-2.15% yemali yokubolekwa kwabasebenzisi bokuqala benkqubo, kwaye u-3.3% ukuba uthathe i-VA mboleko phambili. Le ntlawulo yemali ingakhokhelwa ngemali mboleko.
Iimali-mboleko ze-VA zidinga inkokhelo kwingeniso yokufumana imali engama-43% okanye ngaphantsi, kwaye ifuna ukuba ube nemali engenayo yenyanga. Ukuba unemivuzo eninzi yengeniso yempembelo ingathathwa ngokuthatha umlinganiselo weminyaka emibili yesahlulo sakho kunye nemali engenayo kwiShedyuli B ekubuyisweni kwakho kwentela.
Ukufaka isicelo sokuthenga imali
Indlela efanelekileyo yokufumana ukuba yeyiphi inkokhelo yokuboleka imali ongayifumanayo ukuthetha nomthengisi wemboleko. Inani eliqinisekisiwe linikezela ngemali mboleko kuzo zonke iindawo kwaye kwaye inenkqubo ye-intanethi ebizwa ngokuba yi-Digital Mortgage apho ungayifumana yonke inkqubo ye-intanethi. Banikela ngetyala le-$ 250 kulabo basebenzisa le program.
Ufuna ukukwenza ngokukhawuleza kwindlu oyithengayo. Ngenxa yoko, ndiyakuncoma ukuba uhlole i-HouseFax. Kufana neCarFax®, kodwa indlu yakho. Ndagijima endlwini ye-HouseFax kwipropati yam kwaye ngenhlanhla ayifumananga nantoni na, kodwa ndivile abantu abaninzi abaye bafunda zonke izinto ezinomdla ngezinto ezidlulileyo kwi-HouseFax.
Ngaba Ngaba Unayo Imboleko Yomhlalaphantsi?
Njengoko sagqiba intliwano-ndlebe yethu, uPatrick wathi, "Ekupheleni kosuku abantu baya kundibuza ukuba yintoni efanelekileyo yokuthenga imali? Impendulo yam ayikho. "
UPatrick ulungile. Uphando lubonisa ukuba amaninzi asebathatha umhlalaphantsi angcono ekuhlawuleni imali yabo yokuboleka ngaphambi kokuthatha umhlalaphantsi .
Uhlobo oluphawulekayo, nangona kunjalo, luya kuba ngumgangatho ongcono wabantu abangaba nako ukusebenzisa iitaliti ukuba bafumane inzuzo kwanomhla wokuthatha umhlalaphantsi .