Xa uqala ukuthenga i-mortgage , qinisekisa ukuba uqhathanisa imali efana nomnye kwaye ucele ukuqikelelwa kumntu ngamnye kumbolekisi, phantsi kwemiqathango ye-TRID kufuneka ukuba banikele.
Ngale ndlela, unokuqhathanisa iindleko kwi-nganye mboleko mboleko . Iindleko zokuvala zakho zomthengi ziza kubandakanya indawo yokuboleka okanye ezimbini. Buza imibuzo ukuba awuyiqondi ukuqikelelwa kokuvala kuba abathengi abaninzi abanalo.
Ngaphambi kokuthetha noMboleko weeNgxowa-mali
Yenza ikopi yengxelo yakho yekhredithi kwaye uyihlole. Unelungelo lokunika ingxelo yeekhredithi yonyaka weehhafu kwii- arhente zentengiso ezintathu. Ukuba ufumanisa impazamo, qha ga mshelana nomboleki. Qaphela amanxweme. Ukuba unemivuzo eninzi emva kwexesha, umlinganiselo wakho weFICO uya kuthinteka kakubi.
Qaphela ukuba xa unomlinganiselo ophantsi we- FICO , usenakho ukufumana umboleko we- FHA , ongathembeki kwizikolo zeFICO . Iimali-mboleko ze-FHA nazo zifuna iintlawulo eziphantsi kwe-2.85% yentengo yokuthengisa.
Ukuqalisa ukubolekisa imali mboleko yakho, umboleki-mali uya kuqinisekisa ubungqesho bakho ngokuqinisekiswa kwefomu yengqesho. Nika umqeshi wakho iintloko ukuba ulindele ukufumana ifom.
Buza isebe lakho lobutyebi buntu ukuba liyibuyise ngokukhawuleza. Ukongeza, umbolekisi uya kufuna iphepha elilandelayo:
Imiqulu efunekayo yokuthenga ikhaya
- Pay Now Stubs
Izithuba zakho zokugqibela ezimbini zokuhlawula ziza kuba zanele. Yenza iikopi kwaye unganiki iziphumo zakho.
- W2s
Lo ngumvuzo wakho kunye nesitatimenti sentela, esikhutshwe ngumqeshi wakho ngomnyaka wekhalenda. Yiloo nto udibanisa ngayo kwimbuyekezo yakho yerhafu. Ababoleki ngokubanzi bafuna iminyaka emibili yokugqibela ye-W2s kokubili.
- IRhafu yeRhafu yeRhafu
Ukuba awukabizanga ukubuyiswa kwentela yonyaka ophelileyo, ngoko ufumane iminyaka emibini edlulileyo yembuyekezo yentela. Yenza ikopi. Faka zonke iishedyuli. Icebiso : Qinisekisa ukuba iirejista zerhafu zisayinwe nguwe kunye nexesha. - Iingxelo zeBhanki
Abanye ababolekisi bafuna iinyanga ezimbini, ngelixa abanye baya kufuna iintsuku ezintathu zokugqibela zeengxelo zebhanki. Yenza ikopi kwiziko ngalinye lokuboleka. Faka onke amaphepha esitatimende ngasinye sebhanki, kuquka namaphepha angenanto, i-silly njengoko izandi. IiNkcazo zeeAset
Ukuba unayo amasheya, iibhondi, iimali ezixhasanayo okanye i- akhawunti yomhlalaphantsi , yenza ikopi yesitatimende ngasinye. Ngamanye amaxesha ababoleki banqwenela iikopi ezinzima kwii-intanethi eziprintwe kwi-intanethi kodwa ziya kwamkela iingxelo ze-intanethi ukuba ngaba ufumana njani ingxelo zakho. Yenza iikopi kwaye ungathumeli okokuqala.- Ikopi yeLayisenisi yoMqhubi weNkundla yangoku
Ukuba udibana kunye nomboleki-mboleko kumntu, unokuzisa ilayisenisi yakho yokuqhuba umkhondo kunye nokuvelisa. Ngaphandle koko, khuphela ilayisensi yakho kwi-scanner okanye ikopi yomatshini uze uyifake. Ilayisenisi yakho kufuneka ibe nesithombe sakho.
Buza malunga neendleko zangaphambili
Abaninzi ababolekisi baya kucela imali yeengxelo zemboleko , kodwa abanye abakwenzi. Ngokuqhelekileyo, i- appraisal kunye neentlawulo zeengxelo zemali zihlawulwa kwangaphambili xa ulungele ukuwamkela mboleko.
Musa ukuhlawula nayiphi na imali mboleko kumntu obolekayo kuze kube yilapho ukhe ukhethe ukusebenzisa loo mboleko.