I-FHA - Ulawulo lweZindlu zaseburhulumenteni
Iimali-mboleko ze-FHA ziye zithandwa ngabantu abathengi malunga neminyaka engama-80 ukususela ngo-1934. Ukufuna i-3.5% iphantsi kwaye iqhayisa ezinye zezona zinto zihamba phambili ngo-2015, i-FHA iyaqhubeka iyinkxaso-mboleko yokubambisa imali.
I-VA - i-Veterans Isebe
Ukwaziswa njengomvuzo kunye nokukhuthaza inkonzo kwilizwe lethu; VA imali yokubolekwa ngemali iye yakhonza iMelika. Ngo-2012, iSebe lezeMpi yeeMantshi livakalise ukuba liqinisekisile i-$ 20 yezigidi zemali mboleko kwimakhaya njengoko inkqubo yayo yokuboleka ekhaya yasekwa ngowe-1944 njengenxalenye ye-Bill of Rights ye-GI yokubuyisela iMfazwe yeMfazwe ye-II.
Ukuze uvumeleke ukubolekwa kwe-VA mboleko, kufuneka usebenze kwii-Armed Forces zase-US, okanye ube ilungu leSizwe soLondolozo okanye iiRondolozo. Kwezinye iimeko, abatshatileyo bezilwanyana zokufa bafanelekile. I-VA phantsi kwembhalo ifana kakhulu ne-FHA ebhalwe phantsi ngokwemiqathango.
I-USDA - Isebe lezoLimo lase-US
Ingxowankulu ye-"Farmer's Loan" kwaye ixhaswa ngemali yi-USDA , iSebe lezoLimo laseUnited States, le ntuthuko yezindlu zasemaphandleni iyafumaneka kwiidolophu ezincinci eMelika.
Ukunika inzala ephantsi, inkcitho ephantsi yokuhlawula imali kwiintsapho eziphantsi kwemali engenayo, i-USDA yokuxhaswa ingabonisa enye yezona zinto zithengiswayo kwiimarike.
Kukho iimfuno zendawo yepropathi ngokwazo, kwaye umboleki angakunceda ukuba uqonde ukuba ikhaya lakho iphupha liyafaneleka le nkqubo. Inkqubo ye-USDA isetyenziswa ngokubanzi kwiidolophu ezinabantu abangama-25,000 okanye ngaphantsi.
I-3% yeNkqubo ephantsi
Ngesinye isikhathi, u- Fannie Mae owe-97% weprogram-mboleko yexabiso-mboleko uye wavela emlotheni ngoDisemba 2014. Ngombulelo, i-Federal Government Finance Finance (FHFA) elawula uFannie noFreddie, yaqonda ukuba abaninzi beeMillennials bahlala ekhaya bethengisa ibhentshi ngenxa yokungabikho kwempahla.
Kwakhona bafumanise imali ye-FHA yokuxhaswa kwezimali kunokuba bayakuthanda kwaye bengenalo i-alternative mortgage alternative. Njengoko kwenzeka abantu abatsha kwi-Millennial demographic babenokulondolozwa kanzima ngexesha lokuLuleka kweNkundla. Ukungaqeshwanga ngaphantsi kunye nokuhlawulwa ngaphantsi kwenza kube nzima ukugcina amawaka ukubeka intlawulo yokuhlawula.
Kodwa-ke ayikho into ebonisa ukuba iMillennials enokulondoloza ingxaki enkulu yetyala. Enyanisweni, abaninzi banemali-mboleko engenakulungeleka ngokuqhelekileyo isebenza ngokubambisana nokunyuka kwamathuba omsebenzi wokuba benze umngcipheko omkhulu wesikweletu.
I-3% yesigqithiso phantsi kwe-mortgage yindlela echanekileyo yokuxhasa i-FHA. Inkqubo ye-3% yokuhlawula phantsi iyanqunyanyiswa ubuncinane beemali ezi-424,100 zamawaka okanye ngaphantsi.
Imali kwiindawo ezibiza indleko ivumelekile, kodwa ubungakanani bemali-mboleko buhlala bunqatshelwe kwimingcele yemali ehambelanayo.
Iinkqubo zikaRhulumente kunye noNcedo lweNgingqi
Wonke urhulumente unonophelo lwenkxaso-yintengiso yomntu omnye, ezininzi zinokukhetha ezininzi. Uninzi lweenkqubo ezifumaneka kwizindlu zezindlu kunye nee-arhente zezemali zijoliswe kubathengi abaphantsi kunye nabangaphakathi.
Nangona kunjalo, kukho iiprogram ezenzelwe ukuvuselela abahlali okanye abathengi abakhuthazayo abasebenzela uluntu njengomkhuzi womlilo, iphoyisa, intlalontle okanye utitshala. Uluntu ngabanye kunye nakumakhelwane banike inkxaso ngemali ekuncedisweni kwezindlu kunye nokuvuselelwa kommandla.
Ihlawula ukujonga i-HUD's "Ukuthenga ikhaya" kwiphepha, ngaphezu kokuphanda i-ofisi yakho yaseburhulumenteni kunye neendawo zorhulumente zedolophu ezikhuthazayo zendawo.