Umthetho-osaYilwayo weRhafu ka-2007 wenza iMali-mali ye-Intanethi ye-Mortgage
Omnye wemikhosi yokuqhubela imali emva kokuthatha imali-mboleko ye-piggyback , ebizwa ngokuba yi-combo-mboleko, yayinokubanjiswa kweerhafu ekhoyo ukuhlawula yonke loo mdla kunye nokuhlawula i-premium yesikhorensi yempesheni yokubolekwa kwerhafu.
Inzuzo yesibini kukuba iintlawulo ezipheleleyo kwi-combo mboleko zihlala ziphantsi kakhulu kuneentlawulo ze-PMI.
Iingxowa-mboleko zisebenza njani
I-Combo okanye i-piggyback mboleko yinkxaso-mali edibanisa i-mortgage yokuqala kunye ne-second mortgage (okanye ngaphandle kokuhlawula). Izizathu zezi ntlobo zemali-mboleko zikhangeleka kukuba abaninzi abathengi basekhaya abanalo i-20% yentengo yokuthenga ngemali okanye abafuni ukubeka phantsi i-20% ukuthenga i-home-and-borbo-mboleko ye-combo. Iindidi eziqhelekileyo zemali mboleko mboleko zi:
- 5/15/80. Le meko ibandakanya ukubeka phantsi ama-5%, kunye nokuxhaswa ngemali yokuqala ye-mortgage ye-80% yentengo yokuthenga, kunye ne-second mortgage equka i-15% yentengo yokuthenga.
- 10/10/80. Le meko ibandakanya ukubeka phantsi i-10%, kunye nokuxhaswa ngemali yokuqala ye-mortgage ye-80% yentengo yokuthenga, kunye ne-second mortgage equle i-10% yentengo yokuthenga.
- 80/20. Le meko ibandakanya ukubeka phantsi, kunye nokuxhasa imali yokuqala ye-mortgage ye-80% yentengo yokuthenga, kunye ne-second mortgage equkethe i-20% yentengo yokuthenga.
Izinga lomdla kwi-mortgage yesibili ziphezulu kunezo zokuthenga ngemali yokuqala, kodwa ngamanye amaxesha iintlawulo ezipheleleyo zingaphantsi kunezo zenkxaso-mboleko kwi-mortgage yokuqala. Ngaphezu koko, ekubeni ukubolekwa kwe-combo kufikelele kwinani lika-2005, abaninzi ababolekayo baqwalasela ezinye iindlela ngenxa yokuhamba kwexesha elifutshane.
Ukuthelekisa i-PMI kunye neMali yeMboleko
Masiqhathanise ababolekisi ababini ngeenombolo ezifanayo ze- FICO ezingama-680. Nazi iinombolo zokusebenza:
80/20 Inkxaso
Yithi intsapho yaseKlingon ithengisa ikhaya le-$ 500,000 usebenzisa imali ye-80/20. Umhlala-mboleko wokuqala uza kuba ngowama-6.25% kwaye uyahlawulwa kwi-2,462.87 yezigidi ngenyanga ngenqununu kunye nomdla. Intlawulo yesibini iya kuba yi-8.5% kwaye ihlawulwe kwi-768.91 yenyanga ngenyanga, inqununu kunye nomdla.
Iintlawulo ezipheleleyo zeemali mboleko zemali: $ 3,232
100% kunye ne-PMI
Kodwa intsapho yaseRomulan ithengisa ikhaya elingama-$ 500,000 isebenzisa imali eyi-100% kunye ne-inshurensi ye-PMI. Imali yokuqala yokuthenga imali iya kuba ngowama-6.25% kodwa iyahlawulwa kwi-$ 3,079, kunye ne-inshurensi ye-PMI yongeza enye imali engama-400 ukuya kuloo ntlawulo.
Iintlawulo ezipheleleyo ze-mortgage yokuqala kunye ne-PMI: $ 3,479.
Iintsapho zaseRomulan kufuneka zilinde iminyaka emibini, kwaye zifumane uvavanyo lokubonisa ukulingana kwe-20%, ukulahla i-inshurensi. Kodwa bathi amaRomulans ayenze, kwaye intlawulo yehla iya kuma-3,079 ayi-PMI. AmaRomulans abengeke ahlawule ngaphantsi kweeKlingons ukuya kwinyanga engama-63 yomboleko.
Iimpawu zentlawulo yeNgeniso ye-MMI / PMI
Iimali-mali ze-inshurensi ye-Mortgage (MMI) zihlawulwa kwi-FHA, Imali-mboleko yezindlu zasemaphandleni kunye nezinye iimali-mboleko eziqhelekileyo zifuna inshuwalense yangasese yangasese (PMI), ezo zombini zichithwa ngokwemiqathango ethile:
- UMthetho wokuXhaswa kweRhafu kunye neMpilo yokuThengiswa kweMpilo ukunikezelwa kwemali yentlawulo ye-PMI isebenza kwingxowa-mali emva koDisemba 31, 2006. Oku kuthetha ukuba abanini bezindlu banokukrazula i-inshorensi yokubolekwa kwemali mboleko ekhishwe ngo-2007. Iindaba ezibhetele ngakumbi kukuba phantsi koMboleko wokuTyala ukuTyala Umthetho ka-2007, ukuchithwa kwentlawulo kwe-PMI kwandiswa ngo-2010.
- Ifumaneka kubantu abafakela ukubuyisana ngokubambisana okanye abangabodwa abangaphantsi kwama-100,000 e-R10 000, okanye i-AGI ye-50,000 ye-$. Uninzi lwabantu lufuna ukufumana ubuncinane i-$ 50,000 ukuze lenze ikhefu elingcono kunokuba kuthathe ukuncitshiswa okuqhelekileyo, ngoko oku kunciphisa kakhulu iimfanelo kubafundi abafumana imali engama-$ 50,000 nangaphantsi kwama-100,000.
- Imindeni efumana ngaphezu kwe-110,000 i-AGI ayikwazi ukuwuthabatha. Kodwa kulabo abafumana phakathi kweedola ezili-100 000 kunye ne-110 000 zama-AGI, izigaba zokunciphisa ziphuma ngo-10% kwi-$ 1,000.
- Ukuncitshiswa kufumaneka ekuhlambululeni ukuba inani lemali-mboleko yangaphambili ayinyuli. Bump imali yakho mboleko mboleko, kwaye mhlawumbi uya kudlula ibhalansi yangaphambili kwaye ungafaneleki.
Iingcali ziqikelela ukuhlaziywa kwesinye isilungiselelo esekelwe kwezi zinto zilandelayo:
- Ukuncitshiswa kwentela ye-inshurensi yokubambisa i-mortgage iphetha kubaxhasi bentlawulo.
- Ukubonelelwa kwamkelwa ngabathengi basekhaya.
- Ikhono lokurhoxisa i-inshorensi ye-mortgage inceda abaninzi abathengi basekhaya bathenge amakhaya.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.