Abasindileyo bexakeka ngetyala, ezi nkqubo zibonelela ngenkonzo ebalulekileyo ekukhuthazeni iimakethi zezindlu zendawo.
Ukusukela phantsi kweemali zenkxaso-mali yokuhlawula inzala kunye nezinye iinkqubo ezikhethekileyo zokubambisa imali, kukho inani elinyukayo lokukhethwa kwabafundi.
Oku kuquka abo bafuna ukuthenga ikhaya ngaphandle kokuchitha yonke impahla yabo kunye nalabo abangenazo iimpahla kwindawo yokuqala.
Abathengi banokufumana amanqaku angama-120 ukuya kuma-140 ekhulwini kwengeniso yommandla kwaye bafanelekile ukufumana ezinye iinkqubo zokuncedisa ukuhlawula.
Ngokomzekelo, umthengi ohlala kwi-Orange County, i-Calif., Unokufumana i-$ 98,000 ngonyaka kwaye afaneleke ukufumana isibonelelo se-5 ekhulwini kwintengo yokuthenga ekhaya, ngokwemiqathango yenkqubo ekhoyo yokuncedisa intlawulo ekhoyo kwilizwe.
Ziziphi iintlobo zokuncedwa kwentlawulo ekhoyo
Uncedo lokuhlawula phantsi luvela kwiindlela ezininzi, kodwa imithombo eqhelekileyo yile:
Izibonelelo zoLuntu
IiNdawo zoLuntu zeZindlu
IiNgingqi zeZindlu zoLuntu
IiNkqubo zoLuntu eziLungisiweyo zoLuntu lokuThengisa kwakhona
Fannie Mae
Freddie Mac
Ulawulo lweZindlu zeSithili
Kukho imithombo engaphezulu kunokuba kuboniswe ngasentla, kodwa oku kuya kubonisa ubuninzi beenkqubo ezikhoyo kunye nendawo enkulu yokuqalisa uphando lwakho.
Unokufumana njani ukufumana inkqubo yokuncedisa inkokhelo
Nangona iikhokelo zeprogram zihluka ukusuka kwimveliso ukuya kwimveliso, ezinye zezikhokelo eziqhelekileyo zidweliswe ngezantsi. Uluhlu alukho konke okubandakanya kwaye zonke ezi zithintelo aziyi kusebenza kwinkqubo enye yokuncedisa intlawulo kwiimeko ezininzi.
Nazi iziqinisekiso eziqhelekileyo:
Yiba ngumthengi wexesha lokuqala. Qinisekisa kwaye uqonde inkcazo ye "umthengi wokuqala".
Ukuxhaphaza kwipropati njengendawo yokuhlala yokuhlala eyona ndawo, abahlala bengabambiswanga nabaniki-mboleko abavumelekanga
Gcwalisa ukululekwa kwemfundo yomthengisi kunye nokufumana isatifikethi sokugqitywa ngumbutho ocebisa umcebisi wekhaya.
Ukudibanisa imfuno yomboleki kunye nomshuwalense / umgcini-mboleko
Ingeniso yakho kufuneka iwele phantsi kwemingeni yengeniso yenkqubo.
Ikhaya ofuna ukuyithenga kufuneka liwele ngaphakathi kwemida yexabiso lekhaya.
Akufanele ube nekhaya kwiiminyaka emithathu edlulileyo.
Kufuneka uhlale ekhaya oyithengayo.
Kwakhona, zonke ezi mfuno aziyi kusebenza kwiprogram yakho ekhethiweyo. Uninzi lwawo luya kuba nolwazi kwaye lukulungele ukuwanelisa xa luyimfuneko.
Ngaba uya kufuneka uthathe iklasi yezemfundo yomcebisi
Imfundo yomthengi ibaluleke kakhulu kwimpumelelo nenjabulo yomninikhaya. Kucetyiswa kakhulu ukuba bonke abathengi basekhaya bokuqala bafunde.
Nangona kungenakudingeka kuzo zonke iinkqubo zokuncedisa inkokhelo, akukho nto ibuhlungu ukuba ikulungele kwaye ihlala ilungile ukuba uqalise inkqubo yakho kunye nekhosi yezemfundo yomcebisi.
Ndithatha njani le khosi yezemfundo?
IINKCUKACHA: kukho inani leemfundo zemfundo ezivunyelwe kwi-intanethi
NGUMUNTU: ubuso nobuso Umbukeli wezeMakhaya kwi-NeighborWorks America okanye nayiphi na i-HOD-Approved Counseling Agency
Unokufumana phi uluhlu lwenkqubo yokuncedisa intlawulo
Naluphi na uphando lokuhlawula uncedo lokuhlawula uncedo kufuneka luqalise nge-arhente yezindlu zorhulumente. Banikela ngobuninzi beenkcukacha zeDPA kunye neenkqubo.
I-arhente yakho yokuhlala yasekuhlaleni, kwingingqi kunye / okanye kwisixeko, nayo inomthombo omkhulu. Oku kuyinyani ngokukodwa kwiiprogram zenkxaso zengingqi ezinokuhlala zibonelela ngeyona nto ibhetele yokufumana abantu abanokufumana umvuzo ophantsi.
I-HUD nayo inolwazi olumgangatho ophezulu ekunciphiseni iinkqubo zokuncedisa intlawulo ezisebenza ne-FHA mboleko mboleko.
I-Nehemiah Community Foundation iqokelele enye yeenkcukacha zeNkqubo yokuNcedisa iNkcazo yeNgeniso ephantsi kwilizwe ukukunceda ukunciphisa izithintelo zakho kubunikazi bezindlu.
Idatha iquka i-first-time homebuyer kunye neenkqubo zokuncedisa ngokubanzi.
Ekugqibeleni, nangona kunjalo, umboleki wakho wemali mboleko uya kuba yinto yokugqibela. Akunabo bonke ababolekisi banikela zonke iinkqubo ngoko kuyimfuneko ukuba uhlolisise igosa lakho lemali-mboleko kuqala ukuqinisekisa ukuba unokukunceda ngenkqubo yokuncedisa inkokhelo ongenanto yokufuna ukuyenza.