Ukuthatha iMboleko Yomnye Yenza Ingqiqo ngabanye abathengi basekhaya
Ukuqhubela phambili, nangona kunjalo, iingcinga zokubolekwa kwemali mboleko zifumana indawo kwiimakethe zendawo. Akunjalo kubo bonke abathengi basekhaya, kwaye abahambelani neenjongo zonke zomthengisi. Kodwa kwezinye iimeko, ukucinga ngetyala kungaba yinto ekhethekileyo kubo bonke amaqela achaphazelekayo, ngokuqinisekileyo, ukubonelela ukuba umboleki-mali okhoyo uya kuvumela ukuba kuthathwe umboleko.
Oko ngokwayo ngumkhabi.
Kutheni abanye abathengi bekhetha iNgxowa-mali entsha malunga neNgxowa-mboleko yokuboleka imali
- Ukulingana kakhulu
Ingxenye yezizathu zokuba izizathu zokubakholwa kwemali zingasetyenziswanga ekupheleni kwee-1980 nakwiminyaka yokuqala ye-1990 kuba ngenxa yeminyaka yobungakanani, abathengisi banamanani amaninzi kunye nabathengi babengenayo imali eyaneleyo yokukhawulela isikhala phakathi kwemali mboleko kunye nentengo yokuthengisa . Abathengisi abaninzi babengafuni ukwenza umxhasi wemali .
- Ixabiso lentengo ephantsi
Esinye isizathu sokuba iimali-mboleko zokuwa kwemali zawela emacaleni eminyaka ngenxa yokuba abathengi baqhele ukuba banomdla omncinci ngokuthatha imali mboleko emitsha kunokuba bethathe umboleko okhoyo. Yenza ingqiqo yezemali ukuba ithathe i-mboleko ye-7 ekhulwini xa ibhanki phantsi kwesitalato inika ama-5 ekhulwini.
- Amagatya okuhlaliswa
Isizathu esona simbalwa kakhulu abathengi abaxhomekeke kwiingxowa-mboleko zemali mboleko ukususela ngo-1990 ukuya ku-2009 kuba kungathi phantse yonke imithwalo yemali ekhoyo iqulethe isahlulo sokuhlukanisa . Igatya lokuhlukanisa kwi-mortgage yanika ibhanki ilungelo lokukhawulezisa , ukufunwa kwintlawulo ngokukhawuleza ngokuhlawulwa ngokupheleleyo, xa kwenzeka ukutshintshwa kwetayitile.
Ngaphambi kokuqwalasela i-Mortgage Loan Assumption
Imozulu kufuneka ilungele ukuhlawulwa kwemali mboleko. Kukho iintlobo ezintathu zemali-mboleko evumela ukucinga : i- FHA mboleko kunye ne- VA mboleko kunye neengxowa-mboleko zebhanti yebhanki. Ezinye iimali-mboleko zibiza ukuba zihlawulwe ngokupheleleyo apho umcimbi uthengiswa komnye umthengi. Ngamanye amaxesha, abathengi bathabatha isigxina phantsi kwaye abayithathi mboleko. Ukuthenga isifundo sekhaya kungasengozini. Ngaphambi kokuqwalasela inkolelo yokuboleka imali:
- The lekisa inzala
Xa amaxabiso omyinge aphezulu kunomyinge wesithabathaba somhlala-mboleko okhoyo , ungenza ingqiqo yezemali ukuba uthathe umboleko okhoyo kwizinga eliphantsi. Ukwahlula kwintlawulo nganye ngenyanga kwi-200,000 kwi-5 ekhulwini kwi-7 ekhulwini i-$ 257 ngenyanga. Ngaphezulu kweminyaka engama-5, lo ndolozo lwe-$ 15,420.
- Thelekisa iirhafu zemboleko
Ngenxa yeemfuno ze- TRID zedolophu, ababolekisi kufuneka banikele ababolekayo ukuba baqikelele iindleko zokuvala, ezibizwa ngokuba yi-estimative loan. Uqikelelo lwemali mboleko luchaza zonke iindleko ezihambelana nokufumana imali . Ngokuqhelekileyo, abathengi bahlawula ezininzi kwiimali zokubolekwa kwemali mboleko ukufumana imali mboleko entsha ngaphandle kweendleko zokuthatha imali mboleko ekhoyo. Ukwahlukana kunokuba ngamawaka angama-dollar okanye ngaphezulu. Buza ibhanki ukuba ikunike ingxelo equlethe iimali zokuhlawulwa kwemali mboleko.
- Fumana isitatimenti sokuxhamla kunye nekopi yokuboleka imali
Ngaphambi kokuba uthathe ilizwi lomdayisi kwaye usebenzise imali ekuhlolweni kwasekhaya , fumana ikopi yomgaqo-mboleko ukuba uqikelele ibhalansi engabhawulwayo yemboleko kunye nokuba ngaba umboleko uyaxhomekeka. Kwiimarike ezithengiswayo ezithengileyo, umlinganiselo phakathi kwe-balance balance and the price of sales may be low enough ukuba i-10 okanye i-20 ekhulwini ukuhlawula iya kukuvumela ukuba ukhokhe imali.
Kuqiqile ukubonisana nommeli we- real estate ukuba ufunde kabanzi ngamalungelo akho kunye noxanduva ngaphambi kokuba wenze naluphi na ukhetho lokuxhasa imali. Akukho nto ihlala i-slam dunk kwakhona.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.