Yintoni iNgxowa-mboleko?

Iintlobo zeeNgxowa eziqhelekileyo zabathengi baseKhaya

Ndiyacebisa abathengi bexesha lokuqala ukuba badibane nomthengisi wemboleko ngaphambi kokuba benze isigqibo malunga nemboleko ngoba abathengi bemali mboleko bathwala imveliso eninzi, kuquka ukukhathala nokubolekwa kwemali mboleko. Ibhanki ingenza umboleko oqhelekileyo, kwakhona, kodwa ngokuqhelekileyo, umgca womkhiqizo webhanki ulinganiselwe kwaye ngokukhethekileyo kuphela kwibhanki. Nangona umrhwebi wemali-mboleko angakwazi ukuthenga ngemali mboleko ngemali nayiphi na ibhanki.

Emva kokunyuka kwemali ka-2007, ezininzi zeentlobo zemali-mboleko zaphela, kwaye iimali-mboleko eziqhelekileyo zafumana indawo ebonakalayo kwiimarike zentengiso.

Iimali-mboleko eziqhelekileyo zigcina idumela lokuba luhlobo olukhuselekileyo lwemboleko, kwaye kukho iintlobo zemali-mboleko eziqhelekileyo zokukhetha kuzo.

Umehluko omkhulu phakathi kwemali mboleko kunye nezinye iintlobo zemali -mboleko yinto ebolekileyo ayikwenziwa yinkampani karhulumente okanye ayiqinisekisiwe yinkampani karhulumente. Yiloo nto esiyibhekisela kuyo njengemboleko engeyiyo ye-GSE. Umbutho ongekho urhulumente oxhasiweyo.

Iintlobo zemali-mboleko karhulumente yi-FHA kunye ne-VA mboleko. Umboleko we-FHA uqinisekisiwe ngu rhu lumente kunye ne- VA mboleko ixhaswa nguRhulumente. Iimfuno zokuhlawula phantsi zihlukile. Ingeniso encinci yokuhlawula i-FHA mboleko ngu-3.5 ekhulwini. Kwimali mboleko ye-VA, inkokhelo encinci yokuhlawula i-zero.

Imali-mboleko edibeneyo

Abathengi basekhaya bangathatha umboleko oqhelekileyo osesikweni kwi-bhanki, ukugcinwa kunye nokubolekwa kwemali mboleko, umanyano wekhredithi okanye nangomrhwebi wemali yokubolekisa imali ebolekisa ngemali mboleko okanye abadayisi. Imiba emibini ebalulekileyo yimiqathango yemboleko kunye nomlinganiselo wokubolekwa kwemali-mboleko :

• Iipesenti ezingama-97 ze-LTV kunye nekota eliqhelekileyo eli-30 (okanye 20, 15 okanye 10)
• Iipesenti ezingama-95 ze-LTV ngekota eliqhelekileyo eli-30 (okanye 20, 15 okanye 10)
• I-90 yeepesenti ye-LTV enekota eliqhelekileyo eli-30 (okanye 20, 15 okanye 10)
• Iipesenti ezingama-85 ze-LTV kunye nekota eliqhelekileyo eli-30 (okanye 20, 15 okanye 10)
• Iipesenti ezingama-80 ze-LTV kunye nekota eliqhelekileyo eli-30 (okanye 20, 15 okanye 10)

I-LTV ingaba ngaphantsi kwama-80 ekhulwini.

Kungaba nayiphi na into ekhululekile kumbolekayo. Ukuba i-LTV ingaphezulu kwama-80 ekhulwini, ababolekisi bafuna ukuba ababolekayo bakhokhele i- inshurensi yangasese yecredit mortgage *. Ixesha le mboleko lingaba lide okanye lifutshane, kuxhomekeke kwiimfundo ezibolekiweyo. Umzekelo, umntu obolekayo unokufumana ithuba eliyiminyaka engama-40, eliza kunciphisa kakhulu intlawulo. Imali-mboleko yeminyaka engama-20 iya kuphakamisa iintlawulo. Nazi imimiselo embalwa yendlela iintlawulo ezingatshintsha ngayo kuxhomekeke kwixesha le mboleko:

• Imali eyi-200,000 yemali e-6 ekhulwini ehlawulwa ngaphezu kweminyaka engama-20 yayiza kubakhokhela i-$ 1,432.86 ngenyanga.
• Imali-mboleko eyi-200,000 kwi-6 ekhulwini ehlawulwa ngaphezu kweminyaka engama-30 yayiya kubakho ukuhlawula i-$ 1,199.10 ngenyanga.
• Imali-mboleko eyi-200 000 kwi-6 ekhulwini ehlawulwa ngaphezu kweminyaka engama-40 yayiya kubakho intlawulo ye-$ 1,100.43 ngenyanga.

Imboleko yesiqhelo ngokuqhelekileyo yintengo yemboleko yemali apho inqununu efanayo kunye nentlawulo yenzalo ihlawulwa rhoqo ngenyanga, ukususela ekuqaleni komboleko ukuya ekupheleni komboleko. Intlawulo yokugqibela ihlawula imali epheleleyo. Akukho bhaluni yokuhlawulwa .

Imilinganiselo yokubolekwa kwemali mboleko i $ 417,000. Amanqaku angaphantsi kweFICO ngenani lentlalo elinomdla liphezulu kuneleyo efunekayo kwi-FHA mboleko. Imingxobo yemali engaphezulu kwama-417,000 angama-417,000 athathwa njengemali-mboleko ye-agency, kwaye ezinye iimboleko ze-jumbo kunye neerhafu zenzalo ziphezulu.

* Ezinye iimveliso zemboleko eziqhelekileyo zivumela umnini-mboleko ukuba akhokhe i-inshurensi yangasese yomhlalaphantsi.

Iimali eziqhelekileyo ezihlawulwayo

Imali-mboleko yesiqhelo eselungelelaniswayo ithetha ukuba umboleko ulungiswayo, unokuguqulwa. Ezinye iingxowa-mali zichongiwe ixesha elithile, kwaye ziya kuba ziboleko zemali ezilungelelanisiweyo. Nazi iintlobo ezintathu ezithandwayo zezilungiso eziqhelekileyo:

• 3/1 ARM. Le mboleko ixhomekeke kwiminyaka emithathu, kwaye iqala ukulungelelanisa iminyaka engama-27 ekhoyo.
• 5/1 ARM. Le mboleko isetyenziswe iminyaka emi-5, kwaye iqala ukulungelelanisa iminyaka engama-25 ekhoyo.
• 7/1 ARM. Le mboleko isetyenziswe iminyaka engama-7, kwaye iqala ukulungelelanisa iminyaka engama-23 ekhoyo.

Iimpawu zeNgxowa-mali eziHlangeneyo

Abaninzi abbolekayo banxaxha kwizinga elihlawulwayo eliqhelekileyo kwaye bakhetha ukunamathela kwimboleko yemveli .

Kubaboleki abanokufumana imali, imali ehlawulwayo yokuhlawulwa kwemali ingaba yitikiti yokunceda ngeminyaka yokuqala yeentlawulo.

• Umyinge wokuqala wenzala uphantsi kwezinga lemali-mboleko ephantsi.
• Kukho umlinganiselo omkhulu umboleko onokutshintshela ngaphezu kobomi bemboleko eyaziwa njengezinga le-cap.
• Inqanaba lomdla lichongiwe ngokufaka isilinganiselo semida kwisilinganiselo sexabiso .
• Ixesha lohlengahlengiso lunokubakho ngenyanga, ezintandathu ezintandathu, okanye ngonyaka, phakathi kwezinye izinto.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.