Fumana iMali-mboleko Yobulungisa kwiYobhi
Imboleko Yomntu
Kwiiprojekthi ezincinci, umboleko wemboleko uyisisombululo esilula. Ungasebenzisa imali nayiphi na into oyifunayo, kuquka neeprojekthi ezingafanelanga ukuba "ziyimfuneko." Ukuba ufaka amafafazi okanye wenze ukuphuculwa kwamancinci amancinci, umboleko wodwa ungaba lufanelekile.
Ixabiso elincinci kwaye lilula: Iindleko zokuvala iimali-mboleko zakho ziphantsi kakhulu, ngokukodwa xa ugcina ubungakanani bemali mboleko yakho encinci. Inkqubo yesicelo ayinzima njengokwenza isicelo semali mboleko yemali, kwaye awudingi ukuhlawula ii-appraisals kunye nezinye iinkonzo ukuze ufumane imvume. Kwakhona, iimali-mboleko zakho azidingi ukuba uthembise nantoni na .
Ukuhlawulwa ngokukhawuleza: Ngokungafani nemali-mboleko yasekhaya engenzeka ibe neminyaka eyi-15 okanye ye-30 yokubuyisela imali, iimali-mboleko zowenu zihlala zingaphantsi kweminyaka eyi-10. Nangona oko kuthetha ukuba uya kuba neentlawulo eziphezulu, awuyi kubambelela ngeentlawulo zemboleko kwiminyaka embalwa elandelayo. Ngaphezu koko, ukuhlawula iintlawulo kubangele kwiindleko zempilo eziphezulu.
Amanqanaba omdla: Ukubolekwa kwemali mboleko ngokuqhelekileyo kufike ngezinga eliphezulu lemali yokuboleka imali, ngoko kuya kufuneka uhlolisise iindlela ozikhethayo ngokucophelela. Ukuba unesikolo esikhulu kunye nenzuzo eyaneleyo yokubuyiselwa, unokulindela izinga eliphantsi kweepesenti ezili-10.
Kodwa amakhadi akweretyala abuye akhokhe imali. Amaxabiso kumakhadi-mboleko ayahluka kwi -promotions zero-percent ukuya kuma-20 ekhulwini ama-APR ababolekayo ngetyala elibi.
Imali yeMali Yezindlu
Iiprojekthi ezininzi ezongezelelekileyo zingadinga ukuba ubolekise ubulungisa ekhaya lakho. Intlawulo yesibini ingayinceda ngeendlela ezininzi.
Amanani aphantsi: Ngokubambisa ikhaya lakho njengendleko, kufuneka ufanele ukufumana inzala engaphantsi kunokuba ufumane imali mboleko. I-tradeoff kukuba imiphumo yokusilela iyingozi. Ukuba awukwazi ukwenza iintlawulo zakho nayiphi na isizathu, unobungozi bokungena .
Imali-mboleko enkulu: Iimali-mboleko ezikhuselekileyo ziphucula amathuba akho okufumana imvume yokuboleka imali enkulu. Ukuba unobulungisa obuninzi obugcinwe kwikhaya lakho , imali yesibini yokuthenga imali ingayona ndlela yokufikelela kuloo mali.
Iindleko zokuvala: Ukuboleka kwikhaya lakho akunqabile, kodwa i-mortgageage yesibili idla imali engabizi kakhulu kunokuba ithengwe ngemali-mboleko (okanye i-refinancing).
Ukuhlaziywa kwemali
Ukuhlaziya kwakhona kunokubonelela ngemali oyifunayo ukuphucula ikhaya. Imboleko entsha ingayifaka indawo mboleko yakho yasekhaya, kwaye unokuboleka imali encinci ukuhlawula iiprojekthi zokuphucula. Unokuthi ungayithathi imali-kodwa imali iyafumaneka ukuhlawula iikontraki kunye nezinto eziphathekayo.
Imboleko yokuxabisa: Ukuba ulingeka ukuba uhlawule imali kwiiprojekthi zokuphucula, qhelana nomlinganiselo wakho we- loan-to-value ratio (LTV) . Ufuna ukulingana okwaneleyo kwesi sicwangciso ukuba ube nengqiqo. Ukuba unobulungisa obuncinane, iinkqubo zikaRhulumente ezingezantsi zinokukunceda ukuba ufumaneke.
Iindleko zokuhlaziya: Ngenxa yokuba ufumana i-mboleko entsha yekhaya, iindleko zokuvala zingenza uhlaziyo lubize.
Kwakhona, ukwandisa ubomi bakho mboleko, ngoko ke iintlawulo zenyanga zenyanga ziya kuhamba ngokubhekiselele kumdla kunokuba unciphise ibhalansi yakho mboleko. Kodwa unako ukuhlawula ngokukhawuleza kwaye ukhuphe ityala lakho ekuqaleni .
Iinkqubo zophuculo lwasekhaya: Ezinye iinkqubo zemboleko zenzelwe ukukunceda ukuba ufumane imali eyongezelelweyo yokuphucula. Ngokomzekelo, i-Fannie Mae HomeStyle Ukulungiswa kwemali ivumela ukuba uthenge okanye uphinde usebenzise ixabiso "eligcwalisiweyo" lekhaya ukubala ibhalansi yakho ekhoyo.
Iinkqubo zikaRhulumente
Ukuba unemiba yesikweletu okanye ukulingana okulinganiselwe, inkqubo yobolekwa karhulumente inokukunceda ukuba uvumeleke. Buza ibhanki yakho, umanyano wemboleko , okanye umboleki wemali mboleko ukuba basebenzisana nale nkqubo.
- I-FHA Isihloko I- mboleko ivumela ukuba ubolekise kwi-25,000 yeeRhafu nangona ungenayo ubulungisa ekhaya lakho. Ukuba unendlu ekhutshweyo ebonwa njengepropati yakho, unokunyuka ukuya kuma-7 500. IiNgxowa kufuneka zihambe ngokubhekiselele ekuphuculweni okusisigxina, kwaye ukuphuculwa kokunethezeka akuvunyelwe.
- I-FHA-refinancing cash cash inikeza imali onokuyisebenzisa kuyo nayiphi na into oyifunayo, kuquka "ukunethezeka" okanye ukuphuculwa okungabalulekanga. Nge-LTV enkulu yeepesenti ezingama-85 (ephantsi kunezinye i- FHA mboleko ), uya kufuna ukulingana okwaneleyo ukusebenzisa le program.
- I-FHA 203k yenye inketho yokuhlengahlengiswa kunye nokuphucula imali, kwaye unako ukuya kuma-85 ekhulwini kwi-LTV. Nangona kunjalo, i-FHA imisela indlela osebenzisa ngayo imali kwaye ngubani ongayenza umsebenzi.
- U-VA ukuhlaziywa kwemali-mali ukuvumela i-LTVs yeepesenti ezingama-100 kungenayo i-inshorensi yokuthenga.
Kuphi ukuboleka
Yithenga phakathi kweentlobo ezahlukeneyo zabathengi. Abanye ababolekisi banikeza iinkqubo ezikhethekileyo ezinokuthi zilungele iimfuno zakho-ngelixa abanye ababoleki abakwazi ukukunceda. Imithombo efanelekileyo yemali ibandakanya:
- Amabhanki, kubandakanywa imibutho yamatyala eendawo kunye namaziko asekuhlaleni. Amaziko amancinci anokugxininisa ngokuthe ngcipheko kakhulu anakho ukunikela amazinga okukhuphisana, kwaye ngokuqhelekileyo azimisele kakhulu ukusebenza kunye nabathengi abanesitalathisi esingaphantsi kancinci.
- Ababolekisi be-intanethi . Ababolekisi bemakethe, kuquka iindawo ezibolekisiweyo zontanga (peer-to-peer) . Benza izigqibo zokuvunywa ngokukhawuleza, kunye neentloko zabo eziphantsi kunye nabaxhasi abanomdla abanomdla banceda ukugcina ixabiso lentengo ephantsi.
- Ababolekisi abathile. Ezinye iinkampani zezezimali zijolise kwiintlobo ezithile zokuphucula iiprojekthi, kwaye kungengqiqo ukusebenzisa loo mithombo. Ngokomzekelo, ukuphuculwa kwamandla okuphuculwa kwamandla kunokufumaneka kwiiprogram zeNdawo eziPhenyiweyo zeMpahla eziCocekileyo (PACE) , okanye inkontileka yakho inokufumana uncedo lwezimali. Nangona kunjalo, kubalulekile ukuqhathanisa loo mboleko kwezinye iindlela.
- Ababolekisi bemali. Ukuba uboleka kwipropati yakho, uya kufuna umbolekisi onokukunceda uhlaziye okanye ufumane imali yesibini. Fumana ubuncinane iicatshulwa ezintathu, uze uqhathanise iimali zokuqala kunye nemigangatho yenzalo ukuze ufumane intsebenzo engcono. Hlola nomrhwebi wemali mboleko, iibhanki zendawo kunye neemanyano zeentengo zemboleko, kunye nababolekisi be-mortgage online.