Iindleko zeNtlawulo ephantsi kunye neMali Yamahala
Kukho iindlela ezininzi zokufumana imali enkulu kwi-mortgage yakho yokuqala, kuquka:
- Ukusebenzisa iinkqubo zemboleko ezilungiselelwe abathengi bokuqala, kunye
- Ukuthenga ngeenxa zonke kwaye ufaneleke ngokusekelwe kwisikwereti sakho esinamandla kunye nengeniso
Nangona iimali-mboleko ezilungiselelwe ngokukhethekileyo ukuthengwa kwakho kwekhaya kuqala kunokubonakala zikhangelekile, azihlali zilungelelanise. Zivame ukuza kunye nezikhonkwane ezixhomekeke kuyo-ezinokuthi zingabinxulumani.
Yintoni Umboleki weNgxowa-mali wokuqala?
Imboleko yemali yokuqala yomthengi yenzelwe ukunceda abantu babe ngabanikazi bezindlu, ngokuqhelekileyo kwiindawo ezithile zeendawo. Ezi nkqubo zihluka ngoxhomekeke kwindawo ohlala kuyo kunye nento ekhoyo kuwe, kodwa ingcamango jikelele kukubonelela ngoncedo lwezezimali kubathengi abafanelekileyo . Iinzuzo ziza kwiifom ezininzi, ezinye zazo zichazwe ngezantsi.
Inkokhelo ephantsi: amandla abo abathengi ukwenza inkokhelo encinci kakhulu (okanye akukho ntlawulo phantsi).
Indleko yenzuzo: imibutho yokunika inkxaso (okanye inokunceda ukuhlawula) inzala, kwaye inokukunceda nabbolekayo ukuba banelungelo lokubolekisa ngemali ngenani eliphantsi. Isiphumo sihlawulwa rhoqo ngenyanga.
Izibonelelo: "imali yamahhala" engafakwa kwiindleko zokuvala , ukuhlawula, kunye nokuphucula ekhaya emva kokuthenga.
Ukuxolelwa kwemali: ukukhanselwa kwetyala leemali (okanye ubuncinci inxalenye yetyala). Oku kwenzeka ngokugqithiseleyo ixesha elide ukukhuthaza abathengi ukuba bahlale kwikhaya elide elide.
Uncedo ngemirhumo: imida malunga nokuba bangakanani ababolekisiweyo abavunyelwe ukuhlawula ukuvala umboleko.
Iintlawulo ezikhethiweyo: iimboleko ezingafuneki ukuba zibuyiselwe (kwaye ungahlawulisi inzala) uze uhlawule indlu - ngokuqhelekileyo ngokuthengisa indlu kunye nokuhamba. Ezi mboleko ngezinye iinkonzo zisebenza njengentlawulo yakho.
Qaphela ukuba iinkqubo ezifumanekayo ziza kunika nayiphina okanye akukho nanye kwezibonelelo ezichazwe ngasentla - kuxhomekeka kwiimeko zakho zezimali, nalapho uhlala khona, ngoko kuya kufuneka uphando malunga nezinto ezikhoyo kwindawo yakho.
Kuphi Ukufumana Iinkqubo Zemiboleko
Ukufumana iiprogram ezibolekileyo zemboleko kudinga umyalelo othile.
Indawo efanelekileyo yokuqala yi-HUD yeWebhsayithi kwiiprogram zokubuyisela ekhaya (chofoza kwimeko yakho, uze uchofoze "Iinkqubo zokuncedisa" phantsi kwe " Ukuthenga ikhaya "). Ungaphinda ukhangele lewebhu, uqiniseke ukuba uquka urhulumente wakho okanye isixeko sokuhlala. Ukuba uthanda, unokubandakanya nayiphina impawu ngawe (kunye okanye ngaphandle kwendawo yakho); umzekelo, ukuba ungumdala, uthisha, okanye ukhubazekile, unokufumana iinkqubo ezongezelelweyo.
Ngubani oza
Ukuchaza "umthengi wokuqala": njengokuba unokucinga, ezininzi iinkqubo zijoliswe kubantu abangazange babe nekhaya. Kodwa eminye imibutho iya kunika uncedo kubantu ababenakho ngaphambili, nje ngokuba bengenazo kwiiminyaka embalwa edluleyo.
Kwakhona, khangela ukuba ubone okufumaneka kuwe.
Imfuno zezemali: unokufuneka uhlangabezane nemingcele ethile yemali ngokunjalo. Kwizona nkalo, iiprogram zokuthengwa kwexesha lokuqala zigcina inzuzo kubantu abaneemali eziphantsi kwaye ezilinganisiweyo. Ukuba ufumana imali eninzi, awuyi kufanelekela inkqubo. Ukuba nempahla eninzi (njengemali ebhankini okanye i-akhawunti ye-investment) inganciphisa amathuba akho.
Imiqathango yokubolekisa
Amaxabiso aninzi? Uninzi lweenkqubo zibeka umda we dollar kwipropati oyithengayo, ngoko ungalindelanga ukuthenga izakhiwo ezibiza kakhulu kwindawo yakho. Endaweni yoko, uya kuba lula kwiipropati ezingabizi ngaphantsi ezinokuthi zithengeleke kubantu abahlangabezana nemingcipheko yengeniso ekhankanywe ngasentla. Kwakhona, le ngcamango izuze abantu abanesidingo esikhulu.
Umnini-ohlala kuyo: ngokubanzi kufuneka uhlale ekhaya njengendawo yokuhlala yokuqala.
Ukuba uya kuqesha indawo, uya kufuneka usebenzise uhlobo oluthile lwemboleko - ezi nkqubo azikho kubatyalomali.
Impilo nokhuseleko: ikhaya othengayo kakhulu linokuhlangabezana neemfuno ezithile zomzimba. Kumele ibe semgangathweni kwaye ikhululeke kunoma yiphina ingozi yokhuseleko (njengepende ekhokelayo, umzekelo). Ukuba unengqondo engqondweni ukuba awukwazi ukuthenga ngenxa yokuba isesimweni esifanelekileyo, ungazama ukusebenzisa i-FHA 203k mboleko yokubuyisela . Imali-mboleko engama-203k ikuvumela ukuba uthenge ipropati kunye neengxowa-mali ekuphuculweni kunye nemboleko eyodwa.
Imivuzo yeeNgxowa-mboleko zeKhaya loNyaka
Kwezinye i -homebuyers zangaphambili , ezi nkqubo ziphelile. Bavula umnyango kwindlu yobunini apho inxalenye yentsapho yayingeke ikwazi ukuthenga indlu. Iindawo ziyaxhamla - abanini bezindlu bazinyamekela ipropati yabo, bazibandakanye, kwaye bancedise uqoqosho. Nangona kunjalo, iimali-mboleko zemali-mboleko zangaphambili zingaba yinto engalunganga kwezinye iimeko.
Ngomboleko okhethekileyo, ezinye iingxaki ezinokuthi ziquka:
- Izithintelo zexabiso zingenakukuvumela ukuba uthenge ikhaya oyifunayo
- Unokulahlekelwa ezinye zeenzuzo zeprogram ukuba uthengisa ikhaya lakho kungekudala
- Unokufuneka uhlawule irhafu yokubuyisela ezinye zeentlawulo ozifumanayo
- Unokuthi unqunyelwe uluhlu oluncinci lweentlobo zemboleko (kuphela iminyaka engama-30 yemali-mboleko ).
- Ukuba ikhaya lakho landa ngokubaluleka, unokwenza ukuba wabelane nalawo manqaku kunye nenkqubo
Ukunikezelwa kwezi zithintelo, unokube ungcono ekukhuseleni ukubolekwa kwemali-mboleko yomntu wokuqala. UPatrick Schwerdtfeger, umthengisi we-California mortgage broker, uyaqaphela ukuba uya kuphuma phambili usebenzisa i-mortgage-vanilla mortgage ukuba unetyala elifanelekileyo. Ngenqaku lekhredithi ye-FICO ngaphaya kwe-720, ungeke ufumane nzuzo nayiphi na imali mboleko yomthengi wokuqala. Xa ufumana ngaphantsi kwe-680, iinkqubo ezixhaswayo ziya kuqala ukubonakala ngcono.
Ezinye iindlela
Ukuba ufumanisa ukuba iinkqubo zokubolekisa ngemali mboleko zinqande kakhulu, qwa lasela umboleko oqhelekileyo okanye umbolekiso we-FHA ongeyilungiselelo lokuthenga abathengi bokuqala.
I-FHA mboleko ikuvumela ukuba uthenge kunye ne-3.5% phantsi. Awudingi i-credit enkulu, ngoko-ke banokukhetha abantu abaqala ukuboleka (okanye abo bafumana ukubuyela kwiinkcukacha zemali).
Iingxowa-mboleko eziqhelekileyo zivumela ukuba iintlawulo ezincinci zihlawule. Nangona kunjalo, kuya kufuneka ukuba uhlawule i-inshurensi yangasese yemali ye-mortgage (PMI) de uze ufike kwi- 80% mboleko .
Iimali-mboleko ze-PACE zikuvumela ukuba uhlaziye ipropati eyakho, enokunyusa iphela kwindlu oza kucinga ngayo ukuboleka. Xa indlu yayiza kufezeka xa yayinemishini esebenzayo yamandla, unako ukufumana inkxaso-mali (okuya kufuneka uyibuyisele) ezo ziphuculo.
Indlela efanelekileyo kukujonga zonke iinketho zakho. Khawubhekisise oko umthengi wakho wemveli owenzela khona, hlola iimali-mboleko ze-inthanethi , uze uqhathanise ezo zinikezelo kwiimali-mboleko ezixhaswayo. Emva kokuba ukhangela amanani, into ekubaluleka kokuguquguquka.
Ukongeza kwiinkqubo zembolekiso, qi