Yintoni uMthetho woKhuselo woMnini wezindlu?

Ilungelo lakho lokuCima i-PMI

I-inshurensi yangasese ye-mortgage (PMI) ikhusela ababoleki xa ababolekayo bengabuyi mboleko mboleko, kodwa abanini bezindlu banembopheleleko yokuhlawula iiprimiyamu ze-inshurensi yokuthenga. Ezi zindleko zingena kwifom yeentlawulo zenyanga zongezwe kwintlawulo yokubolekwa kwempahla, okanye iyakutywa kwizinga lomdla lomboleki. Ngandlela-thile, abathengi bayazuza ngokuhlawula kuphela njengoko kuyimfuneko kwi-inshorensi yokubolekwa.

Ngelishwa, abanini bezindlu bajongene nemingeni ekuphelelweni kweentlawulo ze-PMI, nangona i-PMI yayingasadingeki.

Kwezinye iimeko, abolekayo nabakhonkethi badidekile malunga nendlela yokucima i-PMI, kwaye abanye abaxhasi bemali-mboleko abaxakile badibanisa iinyawo zabo ekukhutsheni iindleko ze-PMI.

Yintoni uMthetho woKhuselo woMnini wezindlu?

Umthetho woKhusela umnini-mhlaba (HPA), owaziwa nangokuthi uMthetho woKhuselwa kwe-PMI, ngumthetho okhusela abathengi ukuba bangabikhokheli i-PMI. Imithetho ibeka:

• Xa abanini bezindlu banokukhansela i-PMI kwaye bayeke ukuhlawula iipriyamu
• Xa ababolekisi bamele baziyeke ngokuzenzekelayo ababoleki be-PMI
• Ukwaziswa ukuba abathengi kufuneka banikezele xa umboleko ofuna i-PMI
• Indlela yokusingatha iiprimiyamu ezingafunyanwa ngabanikazi bezindlu

Ngubani ofanelekileyo? I-HPA isebenza kwimali-mboleko yokuhlala yokuhlala, kubandakanywa imali-mboleko kumakhaya angabodwa-amakhaya, ii-condos kunye nezinye izindlu zokuhlala. UMthetho awufihla imali ebolekwa nguRhulumente njengemali-mboleko ye-FHA okanye i-VA mboleko. Okongeziweyo, i-HPA iyayifumana imboleko ehambelanayo kunye neentengo zemboleko eziphezulu. Ukusebenzisa inzuzo ye-HPA, abathengi kufuneka balondoloze imbali efanelekileyo yentlawulo.

Umhla ophumelelayo : I-HPA yaqalisa ukusebenza ngoJulayi 29, 1999. Nangona kunjalo, ababolekisi basesidinga ukunikezela ngokubhengezwa kubbolekayo ababole imali phambi kwaloo mhla.

Kutheni i-PMI? I-PMI ifunwa kuphela xa abanini bezindlu behlawula intlawulo engaphantsi kwama-20 ekhulwini. Ngomlinganiselo ophezulu wokubolekisa ngemali-mboleko (LTV), ababolekisi bengozi yokulahlekelwa yimali ukuba bafanele bagxininise kwikhaya baze bathengise ngokukhawuleza.

Kodwa xa i-LTV yehla ngaphantsi kwama-80 ekhulwini, ababolekisi bajongene nomngcipheko omncinci, kwaye abaninimzi-kwi-theory-kufuneka bayeke ukuhlawula iindleko ze-PMI zenyanga.

Indlela abanini-mboleki abanokukukhansela ngayo i-PMI

I-HPA ivimbela imeko apho abanini bezindlu bahlawula iindleko zenyanga ze-PMI ngobomi bemboleko yabo.

Isicelo seBhorensi: Abboleki banokumrhoxisa i-PMI ngokuthumela isicelo esibhaliweyo kumboleko wemali mboleko emva kokuba i-mboleko ihlelelwe ukufikelela kuma-80 ekhulwini kwi-LTV (ngokusekelwe kwishedyuli yokuboleka imali ). Abaninikhaya bangenza eso sicelo ukuba bazise i-LTV ukuya kuma-80 ekhulwini ngokwenza iintlawulo zemboleko. Ukuze ufaneleke, abanini bezindlu bangafuna ukubonelela ubungqina bokuba ipropati ayilahlekanga ixabiso.

Ukupheliswa ngokuzenzekelayo: Ababoleki kufuneka baxoshe ngokukhawuleza ukukhutshwa kwe-PMI ngokukhawuleza xa i-mboleko ihlelelwe ukufikelela kuma-78 ekhulwini we-LTV yangaphambili.

Ukupheliswa kokugqibela: Xa i-PMI ingagunyazisiweyo ngenxa yesicelo somboleki okanye ukupheliswa ngokuzenzekelayo, abaxhasi bemali-mboleko kufuneka banqande iindleko zenyanga ze-PMI emva kokuba umboleko ufinyelele kwinqanaba eliqhelekileyo lehedyuli yohlengahlengiso .

Ezinye iinkalo: I-HPA iyanzima, kwaye iinkcukacha zemboleko yakho zichaphazela amalungelo akho phantsi koMthetho. Umzekelo, naziphi na izibhengezo kwipropati yakho zingakukhusela ukuba uphumelele ukucima ukukhutshwa.

Imali-mboleko engeyiyo ( njengemali-mboleko ye-jumbo ) inokufuna ukuba ulinde uze ufike kuma-77 ekhulwini kwi-LTV.

Ukuchazwa: Amalungelo akho njengomboleki

Ukongeza kokubeka imithetho yokukhansela i-PMI, i-HPA idinga ababolekisi ukuba baxelele aboboleki ngamalungelo abo. Ukwaziswa kuquka i-front-front and notices zonyaka malunga nokuba njani nabakratshi banokukhansela i-PMI. Ulwazi luquka iinkcukacha malunga neshedyuli yohlengahlengiso, xa ucela ukukhanselwa, kwaye nayiphina impawu eyanciphisa amandla okufumana i-PMI ikhanseliwe.

Imali-mboleko esele ikhutshwe ngaphambi koJulayi ka-1999, ababolekayo bafumana isaziso sonyaka sokubakhumbuza ukuba banokucela ukukhanselwa kunye nokubonelela ngolwazi lokuqhagamshelana nabo.

Umshuwalense weeNgxowa-mali oThengisiweyo

Ezinye iingxowa-mali zisebenzisa umboleki-mboleko ohlawula i-inshurensi yemali ye-mortgage (LPMI) endaweni yokongeza ii-premiums kumvuzo wenyanga.

Abboleki bahlawula i-LPMI-igama alilona lichanileyo-kodwa abayihlawula inyanga ngenyanga. Kunoko, abolekayo bangahlawula:

1. Intlawulo-ntlawulo-ntlawulo ekuqaleni komboleko.
2. Isamba semali ephakamileyo kumyinge wemali-mboleko, ekhokelela ekuhlawulelweni kwemali ephezulu yenyanga (inqununu kunye nenzala) .

Uninzi lwabolekayo kunye ne-LPMI bakhetha inzala ephezulu. Kodwa elo nani lenzalo lihlala kubomi bemboleko, kwaye akukho ndlela "yokukhansela" i-LPMI kwaye ugcine umboleko wakho okhoyo. Kunoko, abanini bezindlu kufuneka bahlawule umboleko wabo we-LPMI, ngokuqhelekileyo ngokuhlaziya kunye nemboleko entsha .

Sekunjalo, i-HPA isebenza kwimali-mboleko nge-LPMI. Ababoleki kufuneka ukuba banikezele iinkcukacha kubbolekayo:

• Chaza indlela iLPMI isebenza ngayo
• Gqinisa izinga eliphezulu lezala elitholakala ngokubanzi ngeLPMI
• Xoxa ngeenzuzo kunye neengxaki ezikhethiweyo