Umfundi uyabuza: "Ndididekile malunga nentlawulo ephantsi esiyidingayo ukuyithenga ikhaya." Umfana wam kunye nathi ndilondolozile ukuthenga ikhaya. Okwangoku, sinama-$ 2,000 ebhankini. ukuhlawula okuhlawulelwayo okungenani i-3% yexabiso lokuthengisa. Kwikhaya le-$ 200,000, leyo ngu-6,000 eyi-6 000 yokuhlawula imali, kwaye loo nto ibonakala ingenayo imali eyaneleyo. ubuncinane bentlawulo esiyidingayo ukuthenga ekhaya ? "
Kuyinto ekhangayo ukuba bobabini kuwe ulondoloza ukuhlawula ukuthenga indlu. Ezinye izibini, ikakhulukazi eCalifornia, zihamba ngokujikeleza ngeCawa, zibala indlu evulekile , zikhube ngaphakathi kwaye ziphelele ukwenza isipho ngaphandle kokunika ikhaya ukuthenga ingcamango yesibini. Ukubeka imali yakho ngokufanelekileyo kwaye uqinisekise ukuba unelungelo lokuhlawula imali egcinwe, kunye neendleko zokuvala zihlakaniphile.
Ingaba Imali Eyona Ngayo Imali I-Deposit efana neNtlawulo ephantsi?
Kubaqalayo, ndiza kuthi udidekisa inkokhelo ephantsi kunye ne- deposit money deposit . Intlawulo yokuhlawula ipesenti yexabiso lokuthengisa elithengayo kwikhaya . Abanye abathengi basekhaya abanenhlanhla bangacela umama nobaba ukuba bathathe intlawulo . Ibhalansi yentengo yokuthenga emva kokuhlawula kwentlawulo inqunywe yimalini yemali yakho yokuthenga.
Idiphozithi yemali engqongqo yimalini yemali ehlawulwayo ukukhusela isivumelwano sokuthenga . Inxalenye yentlawulo yakho phantsi kwaye ngokuqhelekileyo ilawulwa yimizi yokuthenga ekhaya.
Idiphozithi yemali echanekileyo ingahluka kwixabiso elincinci elifana ne-$ 100 okanye i-$ 500 ukuya kwixabiso elithile elifana ne-$ 1,000 ukuya kuma-50,000, ngokuxhomekeke kwintengo yokuthengisa.
Imali efumanekayo ngokuqhelekileyo i-1% ukuya kwi-3% yentengo yokuthengisa. Yimali engasengozini xa umthengi engaphumeleli kwisivumelwano, esibizwa ngokuba ngumonakalo ohlawulelwayo .
Kubonisa ukuba unenjongo yokwenene yokuthenga ikhaya.
Kwiimeko ezininzi zokubonelela, abathengi ababeka phantsi idiphozithi enkulu yokwenza imali ngokuqhelekileyo bafumana ithuba. Nangona yonke imali efanayo ekugqibeleni kumthengisi, abathengisi bavame ukubona idiphozithi enkulu yemali edibeneyo njengotyikityo umthengi enzibophelelekileyo kwaye enzulu.
Iintlobo zeentlawulo ezingaphantsi kweeNtlu
Inani eliphantsi lokuhlawula elifunekayo liya kuxhomekeka kulolu hlobo lwemboleko oyikhethayo. Imboleko yemali nganye yokubolekwa kwemali ithwala izikhokelo zayo. Kukho iintsuku ezingama- 80/20 zemboleko zemali kunye neengxowa-mboleko zamanga, ezikwaziwa njengemali- mboleko yengeniso . Namhlanje, abancinci bahlolisisa ngokukhawuleza ukuba umntu obolekayo abuyisele imali mboleko. Abafuni ukuba ababoleki baxhomekeke baze bafike ekugqibeleni okanye ukuthengiswa okufutshane kwindlela.
- Inkokhelo encinane yeNtlawulo ye-VA
Umboleko we-VA , owadalwa nguRhulumente ngo-1944, ngowona wezona zinto zihamba phambili kwiMelika. Inika amazinga okukhuphisana kunye nemigangatho ekhangayo kumalungu asekuhlaleni namanje emkhosini eenkonzo zethu ezixhobileyo. Into efanelekileyo ngetyala le-VA? Ukungabi phantsi kwentlawulo. Ilungile lo nto. Zero ukuya kumavetshe afanelekileyo.
- Inkokhelo encinci yokuhlawula i-FHA Loan
Olunye inkqubo karhulumente, umboleko we-FHA , uye wajikeleza ngaphezu kwe-VA program loan. Iimali-mboleko ze-FHA ziye zayingxenye yenkqubo ye-mortgage yaseMerika ukususela ngowe-1934. Imfuno ephantsi yokuhlawula i-FHA mboleko ngu-3.5%. Ixabiso lentengo ye-100,000 yokuthengisa, ubuncinane bokuhlawula i-$ 3,500. Kukho kwakhona i-premium ye-MI enokufakwa kwi-mboleko.
- Ukuhlawula okuNcinci okuNcinane kweNgxowa-mboleko
Iimali-mboleko eziqhelekileyo ziyimali-mboleko ye-rate . Ezi ntlobo zemali-mboleko ziye zanikela izicwangciso zokuhlawula eziphantsi kwexesha elidlulileyo, kodwa inkqubela yexesha elizayo kukunyusa ubuncinane bokuhlawula imali. Nangona iitalente eziyi-100% zingekho, ngokuqhelekileyo unokuzifumana, kunye nomlinganiselo ophezulu we- FICO , umboleko we-3% yentlawulo. Eminye iikhredithi eziqhelekileyo eziqhelekileyo kwiiklasi ezithile zabantu abaqeqeshiweyo njengotitshala, umz., Kunokufuna i-zero phantsi.
Kukho i-10% phantsi kwentlawulo kunye ne-15% phantsi kwemali mboleko. Zonke ezi zi-3 zezi ntlobo zemboleko zibandakanya i- PMI . Njengoko ixesha liqhubeka, i-push iya kuba yincinci ye-20% yentlawulo. Nge-20% phantsi, akukho PMI.
Ubulumko obuqhelekileyo uthi kufuneka ubeke phantsi njengoko ukhululekile ukubeka phantsi ukuthenga ikhaya. Ngokuqhelekileyo, okungcono kunokuba ngaphantsi.
Kodwa musa ukusula i-akhawunti yakho yokulondoloza ukwenza. Uya kusadingeka ukuba ube nemali ebekelwe bucala kwimini yemvula kunye nezinto zokuthenga emva kokuthenga ikhaya .
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.