Ixabiso elifutshane lokuThengisa iindleko zeTyala ziyaziwa ngokuba yiSeller Concession
Kodwa ndibetha i-2 kuzo zonke i-3 zangaphambili zithenga abathengi abazi ukuba zidinga iindleko zokuvala . Kutheni ba fanele Ukuba ayikazange athengise ikhaya ngaphambili, abazaziyo malunga neendleko zokuvala .
Zonke zokuvalwa komthengi zichazwe kwiNgqikelelo Yokholo Oluhle , olutholakala kumboleki wamthengi. Zigubungela yonke into eyongezelelweyo umthengi kufuneka ahlawule njengemali yokubolekisa imali, ukunyusa, isihloko kunye noononti kunye nokunye.
Ukuba umthengi ufumana umboleko we-FHA oyingcipheko -phantsi-phantsi, umzekelo, iindleko zokuvala zomthengi ziba malunga nokuba ngaphezulu okanye ukuhlawula. Imali eninzi kwabanye abathengi. Ukuba ubheka ikhaya le-$ 200,000, iindleko zokuvala zodwa ziza kusuka kwi $ 5,000 ukuya kwii-8,000 zamawaka. Abathengi bathi kunzima ngokwaneleyo ukugcina imali yentlawulo kodwa ukuza kunye nezinye i $ 5,000 ukuya kwii-8,000 zamawaka akunakwenzeka.
Yingakho abathengi abaninzi bambuza umdayisi ngeendleko zemali zokuvala. Akuqhelekanga. Nangona kunjalo, ukuba umthengi wokuqala wekhaya uzama ukuthenga ukuthengiswa okufutshane , ukucela i-credit cost cost ingabangela ingxaki. Kungenxa yokuba ibhanki yentengiso emfutshane kuya kufuneka ivume ukuhlawulwa kweendleko zemali. Ibhanki ayinakuyivuma, nokuba umthengisi uyavuma ukuba, ngokuthengisa okufutshane , ibhanki inegama lokugqibela, kungekhona umthengisi.
Iindleko zokuvala Iikhredithi zeBhankile eliShishini elifutshane liFundekile
- Abathengi bemali abafutshane . Okokuqala, qaphela ukuba iibhanki ezithengiswayo ezincinane zibuhlungu kakhulu kubaboleki abaneentlawulo eziphantsi. Ukuba ungumthengi ohlawula imali , unokuqiniseka ukuba ibhanki iya kukhanyela isicelo sakho sokuvala iindleko zemali. Ngoba? Ngenxa yokuba unayo imali. Ngenxa yokuba ibhanki ikholelwa ukuba unokukwazi ukubeka imali engaphezulu kwaye uhlawule zakho iindleko zokuvala.
- Abathengi abaThengiweyo abaNcinci ngaphandle koMshuwalense weMali . Ukuba ubeka phantsi i-20% yentengo yokuthengisa okanye ngaphezulu, ibhanki elithengiswayo elincinci alinakwenzeka ukuba unikezele ngetyala ngeendleko zokuvala. Amabhanki abukela abathengi bathanda oku njengento yokukhangela ngemali. Ukuba unako ukugcina i-20% okanye ngaphezulu, unokuhlawula iindleko zakho zokuvala, kwakhona.
Ubuncinane okanye akukho Bathengi abaThengiweyo abathengiweyo abahlawulileyo . Unethuba elihle lokuvala iindleko ezivalwe ngumthengisi kwaye uvunyiwe yibhanki elifutshane lokuthengisa ukuba izibonelelo zakho zemali zikhawulelwe. Amabhanki abonakala eqonda ukuba abathengi ababeka phantsi kakhulu badinga uncedo lwezezimali okanye abanako ukuthenga loo ntengiso emfutshane. Phantse wonke umntu obolekayo uya kuvumela ixabiso lemali yokuvala yenkcitho ethile phantsi kwezi meko, ukubonelela ngexabiso lokuthengisa elaneleyo. Loo mali uqobo u-3% wexabiso lokuthengisa. I-HUD, ngokuthengisa okufutshane kwe-FHA , ivumela ukuba ivumeleke ngaphantsi kunoma yimuphi omunye umboleki, nangona kunjalo.
Indlela yokuphucula iziganeko zeBhanki eliThengisayo elifutshane liya kuhlawula ngetyala lokuthengisa
Into enye yintengiso yomthengi omfutshane ofuna iimali zentengo yokuvala angayenza ukuhlawula intengo efanelekileyo yokuthengisa. Oku kuthetha ukuba mhlawumbi awukwazi ukwenza umnikelo weBballball . Enyanisweni, usenokufuneka ungeze inani leendleko zakho zokuvala ngaphezulu kwexabiso lokuthengisa ukukhohlisa ibhanki ukuba uyamkele.
Le nto ingaba yimeko ekhohlakeleyo kuba awufuni ukuhlawula imali enkulu ekhaya. Ukuba uhlawula elo xabiso lokuthengisa kakhulu, ngoko mhlawumbi aliyi kuluhlula umboleki wakho. Ukuba umboleki wakho akayi kulubala, awuyi kufumana mboleko ukuba ibhanki elifutshane lithengiswe . Ingaba yimeko yeCatch-22.
Ukuze uqiniseke ukuba awuqhubi kwiingxaki, cela i-ejenti yomthengi wakho ukuba ikunike ukushicilelwa kwintengiso efaniswayo . Ukuba ixabiso lakho lokuthengisa liwela phakathi kweentengo zokuthengiswa okuthelekiswayo, kwaye ukwandisa kancinci ukubandakanya umthengisi wemvume yokuvala iindleko kunokube yinto encinane yokufunwa ukuba ufumane ukuthengiswa kwakho okufutshane .