I-5 Eyona Mkhulu Yeyona Intengo Yokuthenga Ikhaya
Akusoloko kuyinkqubo elula ukuthenga ikhaya, kungakhathaliseki ukuba ngabahlobo bakho bangathini. Abaninzi abathengi basekhaya bahlangabezana nemingcipheko, kwaye akuqhelekanga ukugijima kwiinkwenkwezi ezindizayo kunye nabathakathi abangendawo kunye nomzila wezitena eziphuzi ukuya kubunini. Isinyathelo sokuqala ekuthengeni ekhaya kukulungiselela izithintelo.
I-agent ye-estate real estate inokukunceda ukuba ufumane ikhaya elifanelekileyo , unqume ukuba uhlawula phi kwaye uthethathe isipho sakho.
Ngaphezu koko, i-arhente inokukukhokela kuyo yonke inyathelo yendlela kwindlela yokuthenga ekhaya . Kodwa oko akuthethi ukuba awuyi kuhlangana nezikhubekiso okanye izithintelo.
Isithintelo 1: Ukufumana ukuhlawula okuphantsi
Ngaphandle kokuba uzimelele ngokucebile okanye uphumelele iLotter, mhlawumbi kufuneka ufumane imali . Zonke iimali-mboleko ze-VA , ezifumanekayo kuma-veterans, vumela umthengi ukuba alahle phantsi. Ininzi eminye imboleko, ngaphandle kweentlobo ezithile zemveliso ekhethekileyo yemboleko ezinikezelwa kwiingcali ezithile, zifuna ukuhlawula. Iintlobo ezimbini ezithandwa kakhulu kwiimali- mboleko ze- FHA kunye nemali-mboleko eqhelekileyo, efuna iintlawulo ezincinci ezisuka kwi-3% ukuya kwi-15 ekhulwini lexabiso lokuthengisa.
Isithintelo sesi-2: Ukufumana i-Minimum FICO Score
Amanani omlingo amabini angama-620 kwi-FHA kunye ne-720 yemboleko eqhelekileyo kunye ne-inshurensi yokubolekwa ngemali. Ukuba umlinganiselo wakho we- FICO uwela ngaphantsi kwelo nani, awufaneleki ukufumana loo mali. Iimali-mboleko eziqhelekileyo ngaphandle kwe-inshorensi yokubolekwa ngemali, i-FICO yakho ingadibanisa ibe ngaphantsi kwe-620, kodwa ixabiso libi.
Ukufumana umlinganiselo wakho weFICO, kufuneka ucele umnini-mboleko wakho ukuba asebenze ingxelo yakho yekhredithi. Unokufumana amanqaku e-FICO kwi-intanethi, kodwa kuya kuba neendleko, kwaye ngokuqinisekileyo kuya kuhluka kumanqaku akho. Umboleki wakho uzakukrazula izikolo zakho zemali kwi-arhente yokubika ngetyala kwaye uthathe amanqaku aphakathi kwe-FICO.
Isibambiso sesi-3: Ukudibanisa i-Lender Ratios
Uninzi lwabathengi balindele ukuba umthengi abe nomlinganiselo ophezulu wama-33 e-front-end. Oku kuthetha ukuhlawulwa kwakho kwemali, kunye neerhafu kunye ne-inshurensi (PITI), ayikwazi ukudlula i-33 ekhulwini yemali engenayo yenyanga. Ukuba ufumana i-$ 5,000 ngenyanga, inkokhelo enkulu ye-PITI enokuthi uyifanele i $ 1,650.
Umlinganiselo wokugqibela wokugqibela uphezulu. Oku kubandakanya ukudibanisa ukuhlawula i-PITI kunye nazo zonke iintlawulo zenyanga zemali eziqhubekayo. Le pesenti yemali engenayo yenyanga yenyanga kufuneka iwele phakathi kwama-41 ekhulwini kunye nama-50 ekhulwini, kuxhomekeke kullobo lwemboleko kunye nomboleki. Ngomshwalense we-mortgage, isilinganiso sakho esiphezulu sokugqibela-sithuba asikwazi ukugqitha ngaphezu kwe-41 ekhulwini, oku kuthetha ukuba ufanele ukufumana umlinganiselo ophezulu wokugqibela, ungadinga ukubeka ubuncinane ubuncinane kuma-20 ekhulwini.
Isithintelo 4: Ukufumana i-Appraisal kwixabiso
I- Code of Conduct Code of Conduct , HVCC, yaqalisa ukusebenza ngoMeyi 1, 2009, kwaye iyasebenza kuzo zonke izinto eziqhelekileyo. Ukususela ngoJanuwari 1, 2010, ngoku isebenza kwiintengo ze-FHA ngokunjalo. Yinkqubo enentsingiselo enesiphene kunye nabagxekayo.
Kwixesha elidlulileyo, umboleki-mali angakhetha ukhetho lwakhe. Loo mlingisi wayenolwazi ngokubanzi, wayesazi ummandla kwaye wayezifundele izindlu ezininzi kwiindawo ezithile, eziza kubangela ukuba kuhlolwe ngokufanelekileyo nokulinganisela.
Ngoku, iinkampani zokulawula iinkcazo zikhupha i-appraiser ngokungaqhelekanga ukusuka kwi-pool of appraisers. Umncedisi wakho unokuvela kwenye indawo okanye engaqhelekanga kummelwane, odla ngokubangela ukuba kuhlalutyo oluphantsi .
Ukuba i-appraisal ayifumaneki kwixabiso, kwaye ukuba umthengisi wenqatshelwe ukulungisa intlawulo, abathengi abanomlinganiselo wokuvavanya bangakwazi ukuhamba kude nokuthengiselana okanye bahlawule umahluko ngemali.
Isithintelo 5: Iimeko ezixhasayo zetyala
Ukubhalwa phantsi kunokusongela. Umgcini we- underwriter uhlaziya iifayile kwaye angenza iimfuno. Musa ukucaphukisa, nje ukuhambisa amaxwebhu. Bhala imithetho. Ezi zicelo zingabandakanya amaxwebhu amaninzi, uhlolo lokuphonononga kwakhona kwaye, nangona kunjalo, umgcini-phantsi angayinqabela imboleko ngezizathu ezahlukeneyo.
Ukuba uphinde watshata, umzekelo, kunye nomlingane wakho owayengumyeni wayenekhaya elithengisa ukuchithwa okanye ukuthengiswa okufutshane , ukuba igama lakho lisekhona kwi-mortgage, ungafanelekile ukuthenga ikhaya lakho neqabane lakho elitsha.
Indlela yokwandisa imingcele yokuvunywa komgaqo-mboleko kukuchaza yonke into malunga nawe kunye nezimali zakho kumboleki wakho, kwaye qinisekisa ukuba igosa le mboleko liye liye kwishishini elide ngokwaneleyo ukuba libonelele phambili iingxaki ngaphambi kokuba ufikelele kude.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.