Umfundi uyabuza: "Ngaba sinokufumana imali-mboleko yokuthenga ikhaya emva kokunika ibhanki isenzo-kwindawo-sokuvalwa kwexesha? Ndididekile ngexesha lokulinda. Ndingathanda ukusebenzisa i-market today, kodwa ibhanki yam Ndathi ndimele ndilinde iminyaka emithathu.Ndiye ndathetha nabathengi beempahla ezahlukeneyo, kwaye omnye uthi le nto enye inokuthi sinokusinceda ukuba sithenge indlu ngokukhawuleza? "
Impendulo: Ixesha elihle kulo mbuzo malunga nexesha lokulinda ukuthenga ikhaya emva kokulahlekelwa ikhaya lakho elikhoyo. Ixesha lakho lilungile kuba ixesha lokulinda kwiingxowa-mboleko eziqhelekileyo - ixesha lokuloba phakathi kwexesha ukugqitywa kokugqitywa kwaye xa umthengi uthenga enye ikhaya-utshintshile. Ngenxa yoko, sibheke kuFannie Mae.
Yintoni u Fannie Mae?
Iqumrhu elinamandla amakhulu kwiimarike zengxowa-mboleko yezobambiso nguFannie Mae. UFannie Mae ungumthengi omkhulu kumthengi we-Amanda, i-quasi-rhu lumente, othenga iimboleko zemali mboleko kwiimarike zentengiselwano yesibini . Ngenxa yokuba uFannie Mae uza kugqiba kunye nepropathi emva kokuba ababolekisi bangagqibekanga, uFannie Mae unomdla onamandla ekumiseni izikhokelo ezinqamlekileyo ukunciphisa ithuba lokuboleka imali.
UFannie Mae uhlaziyile izikhokelo zawo kwaye ngoku idibanisa ixesha elilindelekileyo lokulinda kuxhomekeke kuhlobo lokuchithwa .
Ngaphezu koko, ukuba unikezele iimeko ezinzulu, oku kuya kuba nefuthe ngqo kwiqela leminyaka uza kufuneka ulinde ukuba ufumane umboleko oqhelekileyo.
Yiyiphi i-Documented Extensioning circumstances?
UFannie Mae uvumela iimeko ezinzulu ezifana ne:
- Ukufa (kungekhona kwakho, kunjalo)
- Ukugula
- Ukudluliselwa kweYobhi
- Ingozi eSebenza ngokuKhuseleka kakhulu
Ngokuqhelekileyo, iziganeko ezongeziweyo zizinto ezenzeka ngaphaya kolawulo lwakho, oluchaphazela kakhulu amandla akho okuqhubeka nokuhlawula imali yakho.
Ngeemeko ezicwangcisiweyo, ixesha lokulinda lingaphantsi kunekho. Ndiyaxolisa ukutsho ukuba akakwazi ukufumana ukwanda kwenkokhelo ngenxa yokunyuka kwezinga lentengo kwi -mortgage rate rate yakho ayiqwalaselwe njengemeko engaphaya kolawulo lwakho.
Isikhathi sokulinda ukuthenga emva kokuqhawula
- Ukuthenga Emva kokuQala
Ixesha lokulinda liyiminyaka emi-5 ukuya kwi-7.
- Ukuthenga Emva kweNgqamaniso kunye neemeko ezongeziweyo
Ixesha lokulinda liyiminyaka emithathu ukuya kwi-7.
- Ukuthengwa Emva Emva Kwenziwe-kwindawo-yeNgqungquthela
Ixesha lokulinda liyiminyaka emi-4 ukuya kwi-7.
- Ukuthenga Emva kweNyathelo-kwindawo yokuBhengezwa kweeNkcazo ngeeNgxaki zokuNyusa
Ixesha lokulinda liyiminyaka emi-2 ukuya kwi-7.
- Ukuthenga Emva kokuthengisa okufutshane
Ixesha lokulinda liyiminyaka emi-2 ukuya kwe-5. Abambalwa ababolekisi bamaphepha-mboleko baboleka nge-20% phantsi kwaye akukho xesha lokulinda. Ngaphezu koko, ukuba umdayisi akanakho ukuhlawula kwexesha eli-60, uFannie Mae uthi umdayisi unokuthenga enye indlu ngokukhawuleza kodwa akukho namnye umbolekisi abaza kuxhamla imali leyo, ngoko kuluhlobo oluthile. I-FHA ithi iminyaka emithathu, kodwa abathengi kufuneka batyele kwiindawo ezininzi. Ndivile ngeziganeko ezizimeleyo kwiminyaka emininzi edlulileyo ngaphambi kokuba imithetho iguquke kwakhona apho umthengisi ahambela khona ukuthunyelwa komsebenzi kwaye wanyusa ngaphezu komgama othile ukuze afanele ukuthenga indlu emva kokuthengisa okufutshane . I-FHA nayo inomgaqo-nkqubo ukuba xa umntu obolekayo ekhoyo kwaye engaphambuki, kuya kuvumela ukuba imali ihlawulwe ngokukhawuleza.
Nangona kunjalo, ukuba uphendule umbuzo othile, ukuba ungekho iimeko ezininzi, kuya kufuneka ulinde iminyaka emine ukususela kumhla wokugqitywa, oku kuthetha ukuba umhla owenziwayo-kwindawo-yokuvalwa kwezinto kwaqoshwa.
Ukongeza kwithuba lokulinda, ezinye iimali-mboleko zifuna i-10% phantsi kunye nomlinganiselo omncinci we- FICO . Ikhaya oyithengayo kufuneka libe yindawo enqununu yokuhlala kuyo, ingabi yerenti okanye ikhaya leeholide.
UFannie Mae uhlala echaza izikhokelo ezintsha. Imigaqo-nkqubo ingentla isebenza kwizicelo zemboleko ezithunyelwe emva kwe-Agasti 1, 2008, ehlaziywe ngo-2017.
Iingxowa-mboleko ezimbalwa ezigqityiweyo ngenkqubo ye -HAFA apho ukungagqibekanga kungagcinwanga kungenza ukuba ukuthengiswa okufutshane kuxelelwe nje ngokuhlawulwa ngokupheleleyo, okuya kwenza kube lula ukufumana elinye ikhaya emva kokuthengisa okufutshane. Ukongezelela, ezinye iibhanki ezizimeleyo ziya kwenza iimali-mboleko zephothifoliyo ngosuku emva kokuthengiswa okufutshane, ukubonelela ababolekayo ukufaneleka.
Buza i-arhente yakho yokuthengisa emfutshane ukuze uthole ulwazi olungakumbi. Qinisekisa ukuba ufumane ukulungelelaniswa ngetyala elifanelekileyo elikuyo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.