Iindleko zokuvala ziyimali, ngaphezu kwe-mboleko yokuhlawula , ihlawulwe ngokuhlawula. Ngokutsho kweZillow, ezi ndleko zizonke zizonke ezi-2 ukuya kuma-5 ekhulwini lexabiso lokuthenga ikhaya. Iindleko ziyahluka phakathi kwamazwe, kodwa ukuthengwa kwemali kunokuba neendleko ezimbalwa kuneentengo zemali.
Ziziphi iindleko zokuvala kwaye ngubani obalawulayo?
Nangona ezininzi zeendleko zihambelana nokuxhaswa ngemali, abanye bazimeleyo kwimboleko yokuboleka imali . Ezinye iindleko zidibaniswa kunye nomthengi okanye umdayisi, kodwa nantoni na inokuthintana. Kwimakethi yomthengi, xa iipropati ziphungula ukuthengisa, abathengisi abanomdla bavame ukuvuma ukuhlawula iindleko zokuvala umthengi. Oku akunakwenzeka ukuba kwenzeke kumarhwebo omthengisi, xa iimpahla zithengisa ngokukhawuleza.
Ezinye iindleko ngokucacileyo zixanduva lomthengisi. Ngokomzekelo, umdayisi uhlawula iikhomishana yezindlu ezipheleleyo; le yindleko yokuvala kumthengisi. Isixa sinqunywe kwimali yentengiso, kwaye i- ejenti yokuvala ibhala isheke ekuhleni nasekuthengiseni iinkampani zendawo yokuhlala. Ngokufanayo, umthengisi uhlawulela igqwetha lakhe loqobo, ukuba ugcine enye. Ukuba umthengisi akakhokhe iirhafu zepropati zonyaka, umthengisi uyakudalula umthengi ngenani leentsuku umthengisi onalo ikhaya ngaloo nyaka.
Le ngxowa inciphisa inani lemali umthengi ayifunayo ekuvaleni.
Umthengi uhlawula imali ye- mortgage - isicelo, iimpawu zokuqala, amaphuzu okuphuhlisa, i-inshurensi yokubolekwa , i-credit report, umrhumo wemali yomthengi. Ababoleki abaqhelekanga ukuhlawula zonke ezi ntlawulo nganye. Inqaku lokuqala lihlawula umboleki okanye umthengisi wemboleko yomsebenzi wabo; Iphulo lesaphulelo linciphisa izinga lomdla .
Icandelo ngalinye libiza i-1 pesenti yemali mboleko. Thetha kwigosa lakho lemali-mboleko malunga nokuhlelwa kwemali-mboleko-kubandakanywa nemboleko-ezinye zee ntlawulo. Oku kuya kwandisa intlawulo yakho yenyanga, kodwa ukunciphisa inani lemali oyifunayo ukuza kwitafile yokuvala.
Ezinye iindleko zokuvala ukubandakanya kwiBhajethi yokuThengwa kweNdlu
Iindleko zokuvala ziquka uluhlu olubanzi lwemirhumo. Ngokomzekelo, ityhurensi yecandelo ikhusela iziphene zangaphambili kwisihloko, njengamaxwebhu aqingqiweyo, iindlalifa ezingabonakaliyo okanye izibhengezo ezingachazwanga. Kukho imigaqo emibini eyahlukileyo idla ngokukhutshwa ngexesha elifanayo. Omnye ngumgaqo-mboleko wenkxaso-mboleko enyanzelisayo ukuba ufumana imali yokuboleka imali. Okwesibini kukukhetha, kodwa kunconywa kakhulu, umgaqo-nkqubo womninikhaya. Izithethe zendawo zithintela ngubani ohlawulayo, kodwa abathengi kunye nabathengisi bahlala bexubusha inkokhelo yentlawulo yomshuwalense. Umgaqo-nkqubo uhlawula ngaphantsi kwe-1 ekhulwini lexabiso lokuthenga ekhaya.
Imirhumo yokurekhoda yamaxwebhu ihlawuliswe ngenxa yesenzo kunye nemboleko okanye umsebenzi wethemba . Urhulumente unokuvavanya iifizi zokudlulisela kwii- mortgage ezitsha kunye nezicatshulwayo- ezihlawulwa ngumboleki-nangokwenza, ezihlawulwe ngumthengisi.
Ababolekisi bafuna inshuwalense yengozi yomninikhaya. Umkhukula owongeziweyo, umoya okanye ukukhuselwa kwenyikima kunokuba kunyanzelekile, kuxhomekeke kwendawo yokuhlala.
Le nkqubo yonyaka iyasebenza ngomhla wokuvalwa, kodwa umninikhaya angabahlawulela kwangaphambili. Iindleko zihluka ngokubanzi phakathi kwabanikezeli, ngoko zithengise ngexabiso elifanelekileyo elihlangabezana neemfuno zakho. I-premium yonyaka epheleleyo ifuneka ngenxa yokuvalwa.
Ababoleki bafuna ukuphononongwa kwepropati eyenziwa ngumthengi ngokukhawuleza ngexesha lokuhlola. Iindleko ziyahlukahluka ngokuxhomekeka kubukhulu bekhaya, kwaye ii-FHA zokuxabisa zibiza iindleko ezingaphezu kwee-appraisals eziqhelekileyo.
Ababolekisi baqokelela iinyanga zokuhlawula iintlawulo ezimbini zenyanga ezibandakanyiweyo ezifakwe kwi-mortgage payment yakho, njengobungozi bomshuwalense kunye nentlawulo yepropati. Ezi ndleko ziya kuba nazo ngenxa yokuvalwa.
Ukuqonda Ukholo Lwenu Oluhle
Nantsi uluhlu olunzulu olupheleleyo lweendleko zokuvala, ezifanele zigqitywe kwi-Faith Faith Estimate:
- Imali yemvelaphi yokubolekwa kwemali (1% yemali ebolekelwe, okanye i-$ 100 kuyo yonke i-$ 10,000 eyimboleke)
- Imali yokunciphisa imali
- Umrhumo wesicelo semali-mboleko (i-$ 75 ukuya kwi-400)
- Amaphuzu (ukuba "athenge" umyinge wesantya: phakathi kwe-$ 100 kunye ne-$ 300 kuyo yonke i-$ 10,000 ebolekelwe)
- Iimali zeekhwetha zeLender
- Imirhunga yommeli yomthengi
- Imali yovavanyo
- Ingxelo yeMali
- Umrhumo wokuhlola umthengisi
- Ikhomishina yomthengisi okanye imali
- Intlawulo yenkonzo yentela
- Imali yokucwangcisa
- Imali yokubhalwa phantsi
- Imfono yokuTshintshela kweMfono
- Inzala ukusuka ngomhla wokuhlawulela ukuya kumhla wokuhlawula kuqala
- Iimali- mboleko ze-inshurensi yangasese yokukhusela i-lender yakho ($ 750 ukuya kwi-1750)
- Iimpumama zomshuwalense yengozi
- Imirhumo yeepropati ukususela ngomhla wokuhlawulela ukuya ekupheleni konyaka werhafu
- Ukuhlaliswa okanye ukuvala / ukuhlawula imali
- Imali yokulungiselela imiqulu
- Imali yesazisi
- Ukukhangela kwetayitile kunye nentela yomshuwalense ukukhusela umboleki wakho (i-$ 400 ukuya kwi-600)
- I-inshurensi yeSihloko ukukhusela
- Imali yokurekhoda
- Iitampu zerhafu
- Ukuhlolwa kwesilwanyana
UMthetho weeNdawo zokuHlaliswa kweeNdawo zokuThengiswa kweMpahla kufuneka ukuba abaphathi bemali mboleko bathumele abafaki-sicelo ukuba baqinisekise ukunyaniseka koKholo (GFE) lweendleko zokuvala ezilindelekileyo kwiintsuku ezintathu zoshishino ngokusayinwa isicelo sokuboleka imali. Ezi qi kelelo ziya kuba ziphantse kwiimali zokugqibela kwaye zifike malunga neentsuku ezingama-30 ngaphambi kokuvalwa. Ukuba ufuna ixesha elingakumbi lokulungiselela, cela igosa le mboleko ukuba lilungele ukuboleka ngemboleko ngaphambi kokuba uqale ukukhangela amakhaya. Cela i-GFE yeerhafu ezilinganisiweyo. Iimali-mboleko ze-FHA zivumela iindleko zokuvala ukuba zihlawulwe ngemali yesipho, kwaye urhulumente wakho okanye isixeko sakho sinokufumana iinkqubo zokuqala ze-homebuyer ezikhoyo ezikunceda ekupheleni kweendleko zeendleko. Xoxa ngamathuba kunye negosa lemboleko yendawo okanye umthengisi wezindlu.