Inkcazo: Ngokulula, imali yokubolekisa ngemali ngumboleko owenzelwe ukuthenga ikhaya. Ngandlela-thile, kulula ukuchaza ukuba imboleko yemali yokuthenga ayikho. Akuyiyo mboleko ekhishwayo emva kokuba uthenge ikhaya elifana nomgca wokulinganisa ikhaya okanye i- loan equity loan . Akuyinto yokuhlawula imali. Imali mboleko yemali ibonakaliswe ngetyala lokubambisa okanye umboleko wokuthenga umthengi iimpawu ngexesha lothengi wasekhaya uthenge ikhaya.
Umbolekayo unokufumana imali yokuthenga imali kwi-bhanki, ukugcinwa kunye nokubolekwa kwemali, umanyano wemboleko okanye umthombo wemali yabucala, kubandakanywa nomthengisi othengisa ikhaya . Ukuba umdayisi wenza umboleko kumthengi, ubizwa ngokuba yi- financing owner , kodwa isengokuthenga imali.
Imboleko yemali enzima ngumboleko ongeyithathwa njengemali mboleko yemali. Ngenxa yokuba imboleko ngokubanzi ihanjiswe ngokusekelwe kubulungisa kwipropati kwaye kungekhona ukuboleka kwemboleko.
Iintlobo zeVanilla zeNtengo yeMali yokuThengwa
Indlela elula yokufumana ibhalansi yakho yemali mboleko kukukhipha kwixabiso lokuthengisa inani lemali yokuhlawula , kunye nenani eliseleyo lixabiso lemali-mboleko. Imilinganiselo yegolide yemboleko ingama-20% phantsi kunye ne-80% mboleko, kodwa kukho iintlobo ezininzi zemali-mboleko ezihluka kuloo mgangatho. Abathengi bakhululekile ukubeka phantsi nayiphi na imali engaphezu kwama-20%. Ngenxa yokuba i-20% eqhelekileyo ayithethi umthengi akanako ukubeka ngaphezulu.
Umthengi unokuhlala ehlawula inkokhelo enkulu.
Ukuthengwa Kwemali Yesiqhelo
Uhlobo oluqhelekileyo lwemali mboleko yemali ngumboleko oqhelekileyo . Ezi ntlobo zemali-mboleko zenziwe ngamanxweme amaninzi kwaye ziqaliswe ngamabhanki okanye ababoleki bemali. Bavame ukuthobela imithetho kaFannie Mae okanye kwi-Freddie Mac ukuze baqulunqwe kwaye bathengiswe emva kokuvala kwiimarike zepestirenti yesibini.
Iimfuno zokuhlawula ezihlawulelwe kumyinge-mboleko oqhelekileyo ukusuka kwi-zero kubaboleki abakhethekileyo kwiindidi ezikhethekileyo ukuya kwi-3%, i-5%, i-10%, i-15% kunye ne-20% okanye ngaphezulu.
Ukuba umntu obolekayo unzima kwi-ratios, umboleki-mali angadinga ukuhlawula ixabiso elingaphezulu kwe-20% nje ukunciphisa inani lemali-mboleko ukuba lilingane kwiirati ezifunekayo. Le yindlela enye umthengi angathengisa ikhaya elibiza ngakumbi ngaphezu kobolekayo kuya kuvunywa nge-20% phantsi. Umzekelo, ukuba umntu obolekayo avunyelwe ukuhlawulwa kwemali eyi-80% ye-$ 160,000, ngokusekelwe kwintengo yokuthengiswa kwemali engama-200,000, kodwa umboleki uthanda ikhaya elibiza nge-$ 225,000, umthengi unokuthi ayenzeka xa umthengi ebeka ngaphezulu.
Kulo mzekelo, umntu obolekayo unokufumana i-$ 160,000 yokuthenga ngemboleko ngemali ngokufaka umdahluko phakathi kwama-225,000 ee-dollar kunye nemboleko kunye nokubeka phantsi i-$ 65,000.
FHA Ukuthenga iimali-mboleko zemali
Uhlobo lwesibini oluqhelekileyo lwemali mboleko yemali ngu-FHA. Imfuno ephantsi yokuhlawula i- FHA mboleko iphantsi kakhulu, ngoku ngoku i-3.5% yentengo yokuthengisa. Amanye amazwe anika inkxaso-mali yesikolo ukuncedisa ngeendleko zokuhlawula kunye nokuvala ukuze umntu obolekayo angakwazi ukubeka ngempumelelo. Imali-mboleko ye-FHA iqinisekisiwe yi-Federal Housing Administration, elawulwa yiZindlu kunye noPhuhliso lweeNdawo.
Umtyalo-mali akanako ukufumana i-FHA mboleko. Zonke iimali-mboleko ze-FHA zinikezelwa kubbolekayo abaza kuhlala kuloo propati.
VA Ukuthenga Imali Imali
Uhlobo lwesithathu oluqhelekileyo lwemali mboleko yemali ngu-VA, efumanekayo kwimikhosi esebenzayo-engasebenziyo kunye nabafazi babo phantsi kweemeko ezithile. VA imele iMicimbi yezoLutsha. Umboleko we-VA uhlala phantsi, kodwa kwakhona, umbolekayo uyakwazi ukubeka phantsi nayiphi na imali. Iimali mboleko ze-VA ziqinisekiswe nguRhulumente. Abbolekayo banqatshelwe ukuhlawula iirhafu ezithile kwi-VA transaction, kwaye i-VA idinga ukugqitywa kwezilwanyana ezicacileyo.
Xa imali yemboleko yemali ihlawulwa ngokuhlaziywa, akusekho imali yokuthenga imali. Ukuhlaziywa ngoku ngumboleko wemali enzima. Isizathu sokuba umninikhaya makanyamekele kukuba ngenxa yamanye amazwe, iimali-mboleko ezinzima zithwala umboleki; kanti, ukuthenga imali mboleko kungenako.