Inzuzo yokunciphisa iRhafu yeMali

Oko Kufuneka Ukwazi Ngaphambi Kokuhlalutya I-VA yakho Imali

Umlinganiselo wokunciphisa umlinganiselo weRfinancing Loan (IRRRL) unikezela abanikazi bee- mortgage ba-VA ithuba elihle kakhulu lokusebenzisa amaxabiso athatywayo. Kodwa ngaphambi kokuba ubize umnini-mboleko wakho, kukho izinto ezimbalwa okufuneka uzi.

1. Umyinge omtsha wenzala kufuneka ube phantsi kwezinga lakho elikhoyo. Ukwenza ukuba kulungele inzala yakho entsha kufuneka ibe ubuncinane ipesenti yeyona pesenti ngaphantsi kwezinga lakho elikhoyo.

1. Imigomo. Ngaphandle kokunciphisa izinga lakho lomdla, unako ukutshintsha ixesha lokuboleka imali. Ngokomzekelo, unokufuna ukuya kwimali-mboleko yeminyaka engama-30 ukuya kwimali-mboleko yeminyaka eli-15. Nangona oku kuya kukusindisa unomdla obuninzi ngaphezu kobomi bembolekiso, ukuhlawula ukuba intlawulo yakho yenyanga iya kuba phezulu kakhulu kunokuba ikhona.
2. Ngaphantsi kweprogram ye-IRRRL, awukwazi ukufumana imali yemali ukusuka ekuhlaziyweni. Oku kuthetha ukuba ukuba i-mortgage yakho ekhoyo i-$ 90,000 awuyi kuvunyelwa i-$ 20,000 eyongezelelweyo malunga nokulingana kwekhaya lakho kwiprojekthi yokulungisa. Noko ke, kukho enye into encinane: ungongeza kwi-6,000 yee-intanethi ukuphucula amandla okwenziwa kwamandla.
3. Isiqinisekiso sokufaneleka . Awudingi ukuphinda ufake i-CoE. Umboleki uya kuba nako ukufumana ubungqina obuvela kwi-VA ngekhompyutha.
4. Iimvavanyo kunye nokuhlolwa kwekhredithi. I-VA ayifuni i-appraisal okanye i-check check. Nangona kunjalo, umboleki wakho unokufuna enye okanye zombini la maxwebhu.

1. Ukuba imali yakho yangoku i-FHA okanye i-mboleko yesiqhelo (ngamanye amazwi, akusiyo mboleko ye-VA), awuyi kukwazi ukucwangcisa ngokusebenzisa inkqubo ye-IRRRL.
2. Isondlo se sibini. Awukwazi ukudibanisa i-mortgage yakho ekhoyo kunye nesibini ephantsi kwemali phantsi kweprogram ye-IRRRL.
3. Imali. Awudingi ukuhlawula nayiphi na imali ephezulu. Zonke iindleko zokuhlaziya (iirhafu njl. Njl) zingakhiwa kwimboleko.

1. Ngokuchasene nenkolelo eninzi, akudingeki ukuba uhlaziye kunye nomboleki ophethe imali yakho ekhoyo. Nabani na umboleki angakunika i-IRRRL. Nangona kunjalo, ihlale ilungileyo ukujonga ngetyala lakho langoku. Ukuba uthatha imali mboleko kwenye indawo, umboleki wakho wamanje uya kulahlekelwa nayiphi na inzuzo abayenzayo kwimboleko yakho. Basenokuthi bathambekele ekunikezeni into engcono yokugcina ibhizinisi lakho.
2. Thengeza. Sincoma ukuba uhlolisise ubuncinane abathathu ababoleki ngaphambi kokuba ufumane i-IRRRL yakho. Imirhumo, imiqathango kunye neendleko ziyahlukahluka kakhulu.
3. Lumnka. Ngelishwa, abanye ababolekisi abangenangqiqo bathabatha amaxhoba. Ngokutsho kwe-VA, "Abanye ababolekisi bangathi i-VA idinga iindleko ezithile zokuvala ukuba zihlawulwe kwaye zibandakanyiwe mboleko. Iindleko kuphela ezifunekayo yi-VA ngumrhumo wenkxaso-mali yesiqingatha sesinye sepesenti semali mboleko ehlawulwa ngenkokhelo okanye zibandakanyiwe mboleko. "

Ukuhlaziya kwakhona akusiyo isisombululo esihle kunazo zonke. Nangona kunjalo, kubanikazi bezindlu abafuna ukunciphisa iintlawulo zabo zokubambisa imali, ingakumbi ukuba inani labo lamanje lenzalo ubuncinane eli-1 pesenti engaphezulu kwinqanaba lokuhamba, lingaba lukhetho olufanele ukujongwa.

Ukuhlaziywa ngu-Armin Brott, ngoMeyi 2016