Umfundi uyabuza: Sithenge ikhaya lethu iminyaka emininzi edluleyo ngaphandle kokufumanisa okuninzi malunga nommelwane, oye waba ngummelwane omncinci kunye nehood ngaphezulu, ngoko asikwazi ukuwuthengisa ngoku. Umfazi wam uthi umgcini weentloko wamxelela ngesicwangciso apho singathenga khona ikhaya elitsha, sizenza ngathi siqashise ikhaya lethu elisekhoyo kwaye, emva kokuvalwa kwemali mboleko yethu, siyeke ukwenza iintlawulo kwikhaya lethu elidala. Wabiza ngokuthi 'uthenge nebheyili.' Oku kuvakala kakhulu ukuba kulungile. Ngaba kukho into engalunganga ngokuthenga nebheyili?
Impendulo: Ukuthenga kunye nebheyili yiphumo lokuthenga ikhaya elitsha ngenjongo yokubhenela kwixesha elidala. Kuthathwa njengenkohliso yokukhwabanisa . Ngaphandle kweemeko ezilulekayo anikezeli umninikhaya ilungelo lokuzikhwabanisa.
Ziyintoni Ukongezwa kweemeko zokuThengwa kunye neBheyili?
Ngamanye amaxesha abanikazi bezindlu baziva bechanekile ngenxa yokuba bakholelwa ukuba bacetyiswa xa bethenga ikhaya labo. Ezimbalwa zezizathu zithengi kunye nababoleki bebheyili baziva bekhohlisiwe zilandelayo:
- Ummeli weMoto akazange achaze ngokucacileyo imiphumo yokuxhaswa kwemali efana neendleko zemali-mboleko eziza kulungiswa okanye ziya kuhlengahlengiswa okanye ukukhetha inkokhelo kuphela ekuhlawuleni inqununu.
- I- arhente yendawo yokuhlala iholele umthengi ukuba akholelwe ukuba ixabiso lekhaya alikwazi ukuwa. Kwiimarike apho ixabiso liwela kwaye umthengi uye watyala imali encinci okanye akukho nto ebhekise ekulinganisweni , ikhaya linganelungelo elingaphantsi kwexabiso elihlawulwa kwibhankini.
- Ibhanki inokuthi ithembise umthengi ukuba ukuhlaziywa kuya kuhlala kuyindlela yokukhetha kwaye yatshintshwa izikhokelo zokubolekisa, ezenza ukufumana imali emboleko.
Ngaphantsi kweyiphi na iimeko ezikhankanywe ngasentla, umnikazi wekhaya unokuziva ekhuselekileyo kwaye ecinezele ukuba avumele ukuba ikhaya liye ekungqineleni kodwa alufuni ukushiya ilungelo lobunikazi basekhaya. Kwiingcinga zabanini bezindlu, baziva ukuba iimeko zivuma ukuba zikhohliswa kuba zikhohlisiwe.
Nangona kunjalo, ayitshintshi into yokuba uthengi kwaye ibheyili yinto yokukhwabanisa kwempahla kwaye ayihambisani nomthetho.
Ukuthenga kunye nokuBhekisa umsebenzi?
Ukuthenga kunye nebheyili kuquka ukuxoka. Ngokuqhelekileyo kubandakanya ukudweba isivumelwano sokuqashisa i-phony nokubonisa eli phephancwadi lamanga kumboleki. Makhe silandele amanyathelo omninikhaya wengingqi - siza kumthiya nguClaude - uya kulandela:
- Okokuqala, uClaude unquma ukuba-nangayiphi na isizathu - lakhe ikhaya alihambisani neenjongo zakhe.
- Ekubeni uClaude akakwazi ukufumana imali emboleko yokubolekwa kwemali emva kokuthengiswa okufutshane okanye ukuchithwa kwempahla, uzimisele ukufumana ikhaya lokuthenga ngaphambi kokungagqibekanga kwi-mortgage ekhoyo.
- UClaude ubhala isipho sokuthengwa kwikhaya elitsha kwaye uthumela isicelo sokuboleka imali.
- Umboleki ucela uClaude ngesivumelwano sokuqeshisa ukubonisa ukuba umnini-mali uza kubuyela kwikhaya elidala likaClaude aze enze iintlawulo zokuqashisa kuClaude.
- UClaude ucela umninawa uClyde ukuba asayine isivumelwano sokuqasha, nangona uClyde engenaso injongo yokungena okanye ukuqasha indlu kaClaude. Uhambisa esi sivumelwano sokuqeshisa inkohliso kumboleki.
- Umboleki-mali uyavuma imvume kaClaude entsha yokubolekwa imali kunye nemali mboleko .
- UClaude akalokwenza enye intlawulo kwikhaya lakhe elidala. Isaziso soMfihlelo siyafakwa kwaye ikhaya liya ekungeneni, emva koko libuyela kwibhankini.
- Ikhredithi kaClaude yonakaliswe, kodwa akakhathalele ngokuba sele ethenge indlu entsha kwaye akanalo injongo yokuhamba ixesha elide.
Kutheni kuThengwa kunye noBheyili malunga noMthetho?
Kwimeko yeClaude, waqamba amaphepha-mboleko kwaye waxoxela ngamabomu isicelo sakhe semboleko. Oko kukukhwabanisa. Ukukhwabanisa kwemali kwenzeka xa umbolekayo enqaba ulwazi - njengenjongo yokuzibophelela ukuyeka ukwenza iintlawulo kumnye umbolekisi-okanye ulahlekise ulwazi-nokuba yeyiphi na eyenza ukuba umthengisi omtsha awenqabe imboleko ukuba umboleki-mali uyayazi ngako.
Kwakhona kuqwalaselwa ukukhwabanisa ukulala kwisicelo somboleko kunye nokuvelisa amaxwebhu amanga kumboleki. I-FBI ichaza ukukhwabanisa kwempahla njengento "nayiphina into ephosakeleyo, ukuchazwa kakubi okanye ukungaphumeleli okuxhaswe ngumgcini-phantsi okanye umnini-mboleko ukuxhaswa, ukuthenga okanye ukuqinisekisa umboleko."
Ngenxa yendlela yokuthenga kunye nebheyili, izikhokelo zikaFannie Mae zifuna ukuba abathengi bafanele ukufumana imali yokubanjiswa kwemali kwimizi emibini ngokuqalwa kwemali mboleko, ngaphandle kokuba ikhaya elikhoyo linokuningi.
Kungenxa yokuba umninikhaya onobulungisa obuninzi uya kuba budenge ukuhamba nayo.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.