Isizathu semingeni sifaka uhlobo lweemboleko ezixhaphakileyo.
Ku-California indawo yokuhlala, umzekelo, njengamanye amaninzi kwilizwe, umthengi wekhaya unokukhangela kwiindidi ezininzi zeemboleko kunye nokufaka enye okanye ngaphezulu kwezi zinto zithengiso .
Abathengi basekhaya kuphela abafumana inkxaso-mali bavame ukwenza isitalathisi sokuthenga ngokumalunga nokufumana imali mboleko. Abathengi bemali abayifaki isicelo semali mboleko ngenxa yokuba akukho mboleko. Inkontileka ingaba yinkcitho kumthengi ukufumana:
- Imboleko ye-FHA , eneemfuno zayo, okanye
- i- mboleko ye-VA , eqinisekisiwe nguLawulo lwe-Veteran, okanye
- umboleko oqhelekileyo , othe wathengiswa kwimarike yesibini, okanye
- mboleko mboleko kwi-credit union apho umbolekayo ilungu, okanye
- ukuxhaswa kwabucala, ngezinye amaxesha kuthiwa ngumboleko wemali enzima
Ngokuxhomekeke kuhlobo lomboleko, umboleki-mali angafuna iimimiselo ezithile zepropati okanye ukulungiswa ukuboleka imali. Ukuba abathengisi kunye nabathengi abakwazi ukuvumelana malunga neemeko zokulungiswa okanye zokubolekisa, umthengi akayi kufumana mboleko, kwaye ukuthengiselana kungahle kwahlukane.
Ngokuqhelekileyo, umthengi unesithuba esithile kwisivumelwano sokuthenga ukufumana inkxaso-mali. Kwezinye iimeko, inkontileka inokunika umthengi ithuba lokukhetha, ukukhetha phakathi kwenani elithile leentsuku ngaphambi kokuba imboleko yemboleko iyakususwa okanye iyanelisekile, okanye ukugcina imboleko yemali mboleko, ukuba onke amaqela avumelana, kwindawo yokuvalwa.
Yilapho ingxaki iqala khona. Uninzi lwabathengi balindele ukuba umthengi uya kufuna ukufumana imali. Abathengisi ngokuqhelekileyo banokuqonda kwaye baza kuvumela ixesha elithile lidlule ukuba umthengi athole inkxaso kunye nokususa umboleko wemboleko, kodwa akuthengi bonke abathengisi bafuna ukulinda de kube ngumhla wokuvalwa ukuze bafumane ukuba umthengi unako ukuvala isango. Akunjalo ngokuthe ngqo kumthengisi kumthengi ukuba acele ixesha lokuvala ixesha eli-30 ngaphandle kokuzibophezela ngokuqinile ukuvala. Ngakolunye uhlangothi, ukususa umboleko wemboleko ngaphambi kokuvala kungenza umthengi abe nexhala.
Umthengi unokuzibuza ukuba kuya kwenzeka ntoni ukuba umboleki-mboleko, ngenxa yezizathu ezingalindelekanga okanye ezingaqhelekanga, wanquma ukukhanyela imali mboleko. Ukuba umthengi wasususile umthwalo wemboleko, umthengi mhlawumbi abe yintengiselwano yomthengisi, kwaye umrhumo we- intanethi yomthengi unobungozi . Abathengi bambalwa bazimisele ukuthatha umdlalo wokulahlekelwa idizithi.
Ewe, abathengi bafumana kwaye banikele ileta yokumenywa kwangaphambili ngaphambi kokwenza isipho. Incwadi yokuqala yokuthengisa isiqinisekiso kumthengisi uthembele njengobungqina bentengo yekhredithi yomthengi kunye nokukwazi ukufumana imboleko. Kodwa emva kokuba ifayili ifakwe kwi-underwriting, ezinye iingxaki ziyakhula.
Izigwebo ezingaziwa zingabonakala kwiirekhodi zikawonkewonke, umthengi unokuba ne-blip kwingxelo yemboleko eye yagqithisa imingxuma, i-ex yangaphambili kunye neentengiso ezidlulileyo zingenza i-damper ifaneleke, umthengi angalahlekelwa ngumsebenzi wakhe, umthengi mabaqeshwe phantsi kwexesha eli-2 elifunekayo okanye bafumane umvuzo ongabonakaliyo kwi-stubs payroll. Kukho izinto ze-bazillion ezingakwazi ukungahambi kakuhle Masingazibali ukuba uhlobo lwesibini lwemali yokubolekwa kwemali mboleko luyi-appraisal. Uvavanyo lokuhlola oluqhelekileyo luhlala luhluke kwiimeko zokuboleka imali. Ukuhlolwa kwexesha eliqhelekileyo kuthetha ukuba ikhaya kufuneka lilingise ngentengo yokuthenga. Ukuba i-appraisal ingaphantsi kwexabiso lokuthenga, umthengi unako ukukhansela ukunikezela umthengi unomlinganiselo wokuvavanya kwintengiselwano yokuthenga. Ukuba umdayisi uyavuma ukunciphisa intlawulo ukuhlangabezana nokuvavanya, umthengi ulindeleke ukuba asuse i-appraisal.
Kodwa kwenzekani ukuba ekuvaleni umgcini-phantsi unquma isigqibo seyure le-11 ukuba enze i-appraisal yesi-2 kwaye ivoti yesibini yexabiso liya kuba yi- appraisal ephantsi ? Ukuba umthengi uye wakhupha umlinganiselo wokuvavanya, akukho ntsebenzo yokuhlaziywa eshiyekileyo. Nangona kunjalo, ukuba umboleko wemali mboleko awukakhululwa, isivumelwano somthengi sisenokuba sisigxina kwikhono lomthengi wokufumana imali mboleko.
Ezi nkxalabo kufuneka ziqwalaselwe kunye ne- agent yakho yendawo yokuhlala ngaphambi kokuba wenze isibonelelo sokuthenga ikhaya. Abanye abathengi banokukhululeka ekukhenkeleni imboleko yemboleko xa umboleki-mboleko eqinisekisa umthengi ifayile ikulungele imali. Nangona kunjalo, ukuba umnini-mboleko unenkxalabo, kusenokuba yinto efanelekileyo yokususa ingxowa-mboleko. Iingxowa-mboleko zithetha kunye nomthengisi. Ingcipheko xa ukunikezelwa kwakho kuphakathi kwezibonelelo ezininzi, kwaye abanye abathengi bazimisele ukususa umthwalo wesikweletu okanye unciphise ixesha, kwaye unxininisa ukugcina imboleko yokubolekisa ingenele yonke indlela yokuvala, isipho sakho singenako ukuwamkelwa. Umthengisi unokucinga ukuba unengxaki enokubangela ubunzima ekuvaleni.
Kwiimeko ezinzima ezifana nalezi, abathengi basekhaya bacela umboleki ukuba avumele ifayili ngokubhala phantsi phambi kokuba benze isithembiso sokuthenga ikhaya. Ukugunyazwa kokubhalwa phantsi kubangela ukwesaba ukungaqiniseki kwaye kuyomeleza umnikelo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.