Types Of Loan Mortgage

Iintlobo zeeNgxowa-mali zokuThengwa kwemali

Xa ndiyintombazana encinane, kwakukho iintlobo ezintathu zemboleko yemali yokubolekwa kwempahla ekhoyo kumthengi wendlu. Abathengi banokufumana umyinge ongezantsi wokuthenga imali, umboleko we-FHA okanye umboleko we-VA. Amaxesha aguqukile ngokuqinisekileyo. Ngoku kukho uluhlu oluthile lokubolekwa kwemali mboleko ekhoyo - njengoko ilizwi lihambayo: iintlobo zemali mboleko zemali mboleko ngaphezu kokuba unokugubha intonga!

Iintlobo ezidumileyo zoNcedo lweeNgxowa-mboleko

• Iintlobo zeeMali zokuThengiswa

  Lo ngumkhulukazi wabo bonke. Namhlanje ungakhetha ukususela kwiminyaka emi-5, iminyaka eyi-10, iminyaka-15 ubudala, iminyaka engama-20 ubudala, iminyaka engama-30 ubudala, iminyaka engama-40 ubudala kunye neminyaka eyi-50 yemali-mboleko eyi-rate-fixed-rate.

• FHA Imali

  I-FHA iintlobo zemboleko zemali mboleko zithengiswa ngu rhu lumente nge-inshurensi yokubolekwa ngemali ebolekwe ngemali mboleko. Abathengi basekhaya bexesha lokuqala bebaviwa abafanelekileyo kwi-FHA mboleko ngenxa yokuba iimfuno zokuhlawula ziphantsi kwaye izikolo ze- FICO azibalulekanga .

• VA Imali

  Olu hlobo lwemali mboleko ka rhu lumente lufumaneka kumaqhawe asele asebenze kwiiNkonzo ze-Armed US kwaye, kwiimeko ezithile, ukutshata kwabasetyhini abaswele. Imfuno iyahluka ngokuxhomekeke kunyaka wenkonzo kwaye ingaba ukukhutshwa kuhloniphekile okanye kuhlonishwa. Inzuzo eyintloko ye- mboleko ye- VA ngumbolekeki akadingi ukuhlawula. Imboleko iqinisekiswe yiSebe lezeMantloko, kodwa ixhaswa ngumxhasi oqhelekileyo.

• Inzala kuphela yeeMpahla zokuThengisa

  Ukubiza umnini-mboleko wemali yokubolekwa kwemali " inzala-mboleko " yinto ephosakeleyo ngenxa yokuba le mboleko ayikho inzala-kuphela, oko kuthetha ukuba umntu obolekayo uhlawula umdla kuphela. Imali-mboleko kuphela-mali inomdla wokukhetha inzala. Ukhetho lufumaneka kuphela ngexesha elithile. Nangona kunjalo, ezinye ii-mortgages ezincinci zenzalo kuphela kwaye zifuna ukuhlawula ibhaluni , equlethe ibhalansi yangaphambili yemali ekuvuneni.

Iintlobo zeeHyibrid zeMali-mboleko yeMatyala

• Uhlobo lwe-ARM Mortgage Types

  Imali mboleko ye-ARM iyinkimbinkimbi. Ziyimali-mboleko yokulinganiswa kwemilinganiselo , oku kuthetha ukuba inzala yentsholongwane iyashintsha ngokukhawuleza. Njengalo gama lithetha, abolekayo banokukhetha kwiintlobo ezahlukeneyo zokuhlawula kunye neerhafu zenkcazo . Kodwa uqaphele ubuncinane bokukhethwa kwentlawulo, oku kunokubangela ukuhlaziywa okubi .

• I-Combo / iPiggyback Mortgage Types Types

  Olu hlobo lokuxhaswa kwemali mboleko luneemali-mboleko ezimbini: i-mortgage yokuqala kunye ne- second mortgage . Imali-mboleko ingakwazi ukulungiswa kwemilinganiselo yee-mortgages okanye i-rate-fixed or combination of two. Abbolekayo bathabatha imali-mboleko emibini xa ukuhlawula kwehla kungaphantsi kwama-20% ukuphepha ukuhlawula i- inshurensi yokubambisa i-private mortgage .

• Iintlobo zeeMali zokuThengiswa

  Imali-mboleko yemilinganiselo (ARMs) iza kwiinambuzane ezininzi, imibala kunye nobukhulu. Inzala yomlinganiselo iyancipha. Ingakwazi ukunyuka okanye ukuhla rhoqo ngenyanga, i-semi-year, yonyaka, okanye ihlale ichanekile ixesha elide ngaphambi kokuba liguqule.

• Ukuthengwa kwemali

  Ababoleki abafuna ukuhlawula umyinge omncinci wenzalo ekuqaleni bavame ukukhetha ukuthenga imali. Umyinge wenzalo unciphiselwe ngenxa yokuba iintlawulo zihlawulelwa ukunciphisa izinga, yingakho kuthiwa yi-buydown. Abathengi, abathengisi okanye ababolekisi banokungathengisa umyinge womyinge womyinge.

Uhlobo lweMali yokuThengwa kweMali yokuTyala

• Imali-mboleko ye-Mortgage-K

  Njengohlelo lwe-203K mboleko, i-FHA inomnye inkqubo ehlinzeka ngemali kumbolekayo ukulungisa ikhaya ngokuxhoma imali ngemali mboleko. Imingcele ye dolakhi yomsebenzi wokulungisa isezantsi kwimboleko e-Streamlined-K, kodwa idinga iphepha elingaphantsi kwaye kulula ukuyifumana ngaphezu kwe-203K.

• Imalimboleko yeBridge / Swing

  Ezi ntlobo zemali-mboleko zethengiselwano zisetyenziselwa xa umthengisi ebeke ikhaya kwikarhwebo-kodwa ayithenganga-kwaye umthengisi ufuna ukuboleka ukulingana ukuthenga elinye ikhaya. Ikhaya lomthengisi likhoyo lisetyenziselwa ukukhusela ibhuloho (ebizwa ngokuba yi-swing).

• Uhlobo lweMali yokuThengwa kweeNgxowa-mali

  Imali-mboleko ye-Equity isesibini kwindawo kwaye ihamba phambili kwi-mortgage yokuqala. Ababoleki bathabatha imali-mboleko yemali yokufumana imali. Imboleko ingaguquleka, igxininiswe, okanye umgca wekhredithi apho umbolekayo angakwazi ukufumana imali njengoko kuyimfuneko.

• Reverse Mortgages

  Ukutshintshwa kwemali ekhokhwayo kufumaneka kunoma yimuphi umntu ongaphezu kweminyaka engama-62 onobulungisa obaneleyo. Esikhundleni sokwenza iintlawulo zenyanga nganye kumbolekisi, umboleki-mboleko wenza iintlawulo zenyanga kumbolekayo ukuba nje umbolekayo ahlale ekhaya. Inqanaba lomdla linokulungiswa okanye lilungiswe. Fumana iingcebiso ezizimeleyo kumcebisi othembekileyo ngaphambi kokuba uthathe imali yokubuyisela imali.

Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.