Indlela Abahlobo beNdawo zokuThengisa ngeeNkxaso kwiMinikelo
Umbuzo: Ngaba Uhlobo Lwam Ingxowa Inzuzo okanye Inzuzo Kwintengiso Yokuthenga?
Umfundi uyabuza: "Ndiyindawo ekhangekayo yokukwazi ukuhlawula imali okanye ukufumana imali mboleko yokuthenga indlu. Ndifuna ukuthenga ipropati yotyalo-mali, kodwa uyazi ukuba le ntengiso njani. phezu kwamakhaya. Ndifuna ukuba isipho sam sibe ngowona nto, kwaye ndiyazi ukuba luhlobo lunikelo olwenzayo indima enkulu. Ngako-ke ndingcono ukwenza isipho semali okanye ngemali mboleko? Imboleko ingcono kakhulu? Uphi na umgca wam? Yintoni eyenza ukuthengwa komntu omnye kunikeze ngcono kunomnye xa kufakwe isahlulo kunye nomhlobo we mboleko? "
Impendulo: Ubulumko ukuba uqwalasele indlela umnikelo wakho onokubonwa ngayo ngumthengisi, kuba uhlobo lweemali mboleko okanye ukuxhaswa kwemali kunokuchaphazela kakhulu loo mbono. Phonsa kulo mxube weemakethe zathengisi, kwaye unakho ukukhuphisana nokunikezelwa kwamanani amaninzi avela kubathengi abahlukahlukeneyo. Isipho sakho siya kuhlolisiswa ngakumbi kwaye sigwetyelwe.
Abathengi baya kukhwankqiswa ukuba babesazi ukuba ukuthengwa kwamanye amanani athengiswayo. Ngethuba sineemimiselo zezindlu ezifanelekileyo ezinqanda ulwaphulo-mthetho olusekelwe kwiiklasi zokukhusela, ezinye iintlobo zolucalulo azithinteli. Ingathethi, abaninzi abathengisi kunye namaziko abo ahlulayo ayenzi ukuxelela abathengi ukuba kutheni isipho sabo sichithwe. Baya kulugatya. Akudingeki ukuba uchaze ukuba kutheni.
Nangona kunjalo, kuyinto eqhelekileyo ukugweba isipho sokuthengwa ngohlobo lokuxhaswa komthengi okhetha ukusebenzisa. Izibonelelo zokuthengwa zihlala zifakwa ngendlela elandelayo.
Uhlobo oluhle kakhulu lwesibonelelo lubhaliwe kuqala, kunye nesibonelelo esincinci sokubaluleka esisekwe kwindawo yokugqibela:
- Cash. Oku kuthetha imali kwi-hand. Akuthethi indlu ekhoyo ngoku ekuhambeni kwayo, njengoko leyo yayiza kuthengiswa ngokuthethileyo kwaye ayiyikuthengiswa kwemali. Kwakhona akuthethi ukuhlaziywa kwesinye ipropati esiza kuvelisa imali emva komhla. Isibonelelo semali sihambelana nobungqina bemali . Kungenxa yokuba umdayisi akayi kuthatha igama lomthengi ukuba umthengi ulungile ngemali. Kulingana nokucela umthengi ukuba akhiphe i-suitcase egcwele i-dollar eziyi-100.
Ngenxa yokuba imali ikhatywe kakhulu, ngamanye amaxesha abathengi bemali bayakwazi ukuthetha ngesaphulelo. Kodwa musa ukuxhomekeka kule nzuzo kwiimeko ezininzi zokubonelela okanye ngokuthengisa okufutshane . Khumbula, zonke izibonelelo, ngaphandle koxhasomali kumnini, kubangela imali kumthengisi ekupheleni. Inzuzo eyintloko kwingxowa-mali ayikho imfuneko ye-appraisal.
I-Cash inikezela uluhlu lwamanani luyinto enqweneleka kakhulu kumakhaya anokulingana kuba akukho ntsebenzo. I-Cash inikeza uluhlu lwamaxabiso alunqwenelekayo ukuthengiswa okufutshane, nangona kunjalo, kuba ukuba umthengi uhamba, ukulindela kwebhanki sele kusekwe. Kungenokuba nzima ukuphinda.
- Mboleko . Iimfuno zamanqaku zeFICO zemali-mboleko eziqhelekileyo ziphezulu kunezo ze-FHA mboleko. Unako ukufumana umboleko oqhelekileyo ukuba umlinganiselo wakho weFICO ubonisa ubuncinane obufunekayo kwi-FHA kodwa uza kuhlawula umyinge ophezulu.
Iingeniso ezikhethiweyo zinikezelwa abo babolekayo ababeka phantsi i-20% okanye ngaphezulu ngemali, okwenzeni umlinganiselo we-80%-value-value ratio okanye ngaphantsi. Umlinganiselo wezantsi uhlawule umngcipheko kumboleki. Kwakhona, ukuba i-appraisal ingena ephantsi, ngokuqhelekileyo umboleki uya kumvumela umntu obolekayo ukuba akhokhe umlinganiselo ngemali ukuba ixabiso-mboleko-mali lingaphantsi kwe-80%.
Enye inzuzo kwiingxowa-mboleko eziqhelekileyo zezidingo zemali-mboleko zentengo ayizinzileyo. Umboleki-mali akanakwenzeka kakhulu ukuba afune ukulungiswa. Le nyaniso yedwa yenza umthengi oqhelekileyo kubonakale ekhangayo kunomthengi we-FHA. Nangona kunjalo, khumbula engqondweni, amakhaya amatsha afuneki ukulungiswa.
- FHA Inkcitho . Abaninzi abathengi kwikhaya lokuqala bafuna ukubolekwa kwe-FHA mboleko kuba imali yokuqala yokuhlawula imali ingaphantsi kwexabiso elifunekayo kwi-mboleko yesiqhelo. Ukongezelela, iimfuno zomlinganiselo we-FICO, ngokugqithiswa kweendleko zabathengi, zininzi kakhulu. Imali ephantsi yokuhlawula i-FHA mboleko ngu-3.5% wexabiso lokuthenga.
Izikhokelo zokulungiswa kwe-FHA azizinzi nje ngokungqongqo njengoko abanye abathengisi kunye neentengiso zikholelwa. Kodwa amakhaya asekudala adinga ukulungiswa okungakumbi. Ukupenda kwipende yinkalo enkulu ye-FHA xa ikhaya lakhiwa ngaphambi kowe-1978. Ikhaya lingaba nesitekiti ngaphandle komtya, kodwa kungcono ukuba ungabi nepeyinti. Iimali-mboleko ze-FHA ngamanye amaxesha zigcinwe ukuvalwa ngenxa yeemeko zemali.
Ingxelo yenkathazo kunye nesigunyaziso esinakho okanye esingenakufunwa ngumfundi we-FHA.
- VA Imali . Abaphengululi bafumana isigxina esifutshane sentonga xa kufike ulawulo lwama-mboleko. Nangona kunjalo, ababoleki ba-VA mhlawumbi bangengozini engcono yekhredithi kunomthengi we-FHA kuba iimfuno zokuthenga ngaphandle kokuhlawula zihlawuleka. Umboleki ugcina inketho yokubeka intlawulo ekhaya okanye ukuthenga ngaphandle kokuhlawula. Uninzi lwababoleki be-VA bakhetha umgangatho.
Ingcipheko kwi-VA mboleko iingxelo ezihlaziyiweyo ziyadingeka. Xa kufuneka umsebenzi wokubulala inkathazo, umboleki uya kufuna isitifiketi sokugqiba. Ukuba ukuthengiselana kukuthengiswa okufutshane, ngokuqhelekileyo ibhanki ayiyi kugunyazisa ukuhlawulwa komsebenzi wezilwanyana. Amakhaya athengisa ukuthengiswa athengiswa Njengaye .
Ngelishwa, ngenxa yolawulo lolawulo kunye neengcamango ezingalunganga, ii-VA abathengi bavame ukuwa phantsi kwe-quote ye-offer, ngelixa beba ngabafundi abafanelekileyo. Amagcisa abamba amaninzi athengisa ukuthengisa athetha ukukhetha abathengi bama-VA kuba bayazi ukuba aba bathengi baya kutshintshwa kwenye indawo, nto leyo eyenza ukuba babe ngumviwa ozinikezele ukuthengiswa okufutshane.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.