Ababoleki bafuna iNcwadi yeSipho Sokuhlawulwa Ehlawulayo Izipho Zezezimali
Ngelishwa, abaninzi abathengi bathengisa ngokuhlawula kunye. Inhlolovo ye-Zillow ngo-2017, malunga ne-70 ekhulwini yabanikazi bathi ukulondoloza intlawulo yintlawulo yayiyingozi enkulu yokuthenga ikhaya.
Ukuba ulungele ukuba ngumnini wezindlu, ukucela uMama noTata ukuba bancede nge-payment yakho yokuhlawula kungenzeka ukuba bawela ingqondo yakho. Nangona imali ephantsi yokuhlawula iyakunikwa izipho, kukho imigaqo ethile ekufuneka ilandelwe, kubandakanywa nokubhala incwadi yesipho sokuhlawula.
Izikhokelo zemivuzo yokuhlawula phantsi
Imali yeemali zokuhlawula imali ehlawulwa ngabazali bakho okanye elinye ilungu lentsapho lixhomekeke kuhlobo lomboleko wokubolekwa kwemali echaphazelekayo. Ukuba ufumana umboleko we- FHA nge-3.5 yeepesenti phantsi kwentlawulo, umzekelo, yonke inkokhelo yentlawulo ingaba isipho. Ngakolunye uhlangothi, ukuba usebenzisa u- Fannie Mae oqhelekileyo okanye u-Freddie Mac mboleko, yonke imali yokuhlawula isisipho kuphela xa ubeka phantsi ipesenti ezingama-20 okanye ngaphezulu kwexabiso lokuthenga ekhaya. Ukuba imali yakho yokuhlawula ingaphantsi kwama-20 ekhulwini, enye yemali inokuphuma ephakamileyo lakho.
Incwadi yeSipho Sokuhlawula I-Down Payment
Emva kokuba sele usebenze ukuba uninzi lweemali zakho zokuhlawula phantsi zingakwazi ukufumana isipho, isinyathelo esilandelayo sibhala incwadi yesipho sokuhlawula.
Oku kufunwa ngumboleki-naliphi na ixesha okanye inxalenye yakho yokuhlawula isipho. Kukho inkqubo ethile yokubhala ileta nokubhala isipho.
Kule leta ngokwayo, akukho fom ejwayelekile. Unokuzifakela ngokwakho okanye ucele i- arhente yakho yokuhlala okanye umthengisi ukuba uncede kodwa ngokubanzi, kuya kufuneka udibanise:
- Igama lakho negama kunye nedilesi yomntu owenza isipho
- Isixa esinikezelwa sona
- Idilesi yendlu oyithengayo
- Ubudlelwane bomntu owenza isipho
- Apho imali evela khona (okt i-akhawunti yokutshekisha, i-akhawunti yokulondoloza, i-akhawunti yokutshala imali)
- Inkcazo ecacileyo yokuba imali isipho, kungekho mboleko (imali ebolekwe ayiyi kuvunyelwa ukuhlawula izipho zokuhlawula)
Khumbula, izipho zivunyelwe kuphela ukuba zivela kumalungu entsapho, kungekhona abahlobo. Okungafaniyo kusebenza xa usebenza kwaye u-fiancee wakho unikela ngesipho.
Ukubhala iSipho
Xa ubhala ileta yesipho sokuhlawula phantsi, kuya kufuneka ufakele amaxwebhu apho isipho ivela khona kwaye uyifumana. Ngokomzekelo, umboleki-mali angacela ukuba abone isitatimende sebhanki okanye enye indlela yobungqina obuqinisekisa ukuba umniki-mali unesipho kuwe, ikopi yetshekhi ekhanseliwe eyenziwe kuwe, okanye iphepha elibonisa ukuhanjiswa kwe-elektroniki phakathi kwe-akhawunti yomnikeli eyakho. Ukuba umntu onikezela ngemali kuwe uthengisa izabelo zesitokisi okanye ezinye iimali ukuphakamisa imali yokuhlawula intlawulo, uya kufuna ingxelo evela kwi- akhawunti yabo yomrhwebi ebonisa ukuba ukuthengiselana.
Enye ibalulekileyo ye-caveat ukuba uyikhumbule, nokuba ufumana isheke okanye ukutshintshwa kwe-elektroniki kwi-gifter: gcina le mali kwi-akhawunti yebhanki eyahlukeneyo ngaphandle kokutshekisha okanye ukulondoloza.
Awufuni ukuhlawula imali yesipho kunye naziphi na ezinye zezinye iimali. Ukwenza oko kunokuba nzima ukuba ulandele iphepha kunye nokubangela ukuba umnini-mboleko unqabe isipho ngokupheleleyo.
Ingaba Iingeniso Zentlawulo ZesiKhwama Sokuhlawula I-Down?
Ewe kunye no. Njengomntu ofumana isipho sokuhlawula isisombululo, awuyi kuhlawulwa nayiphi na irhafu, kungakhathaliseki ukuba isipho sesipho. Kodwa, umntu owenza isipho kuwe angabangela irhafu yesipho ukuba imali ingaphezu komda wokukhutshwa wonyaka. Ngo-2018, umzekelo, abazali abatshatileyo kwaye bafake i-return joint bayakwazi ukufumana isipho ukuya kuma-30,000 engama-30 ngamnye kumntwana wokuhlawula imali (okanye nayiphi na injongo), ngaphandle kokufaka irhafu yesipho. Olunye ilungu lentsapho, njengotatomkhulu okanye oomama, unako isipho ukuya kwii-15,000 zama-$ phambi kwakho isibonelelo sesipho.
Njengoko uceba ukuhlawula imali yakho, kubalulekile ukuxubusha impembelelo yengeniso yerhafu nomntu okanye abantu abaceba ukunika imali kuwe ukuze baqinisekise ukuba abasengozini yokunyusa umrhumo wabo werhafu.