Ziziphi iindleko zokuvala eziqhelekileyo kunye ezingapheliyo?

Ukulinganisa iindleko zokuvalwa kwindlu

Kwiminyaka emininzi, ababolekisi basebenzisa i- Good Faith Estimates ukuchaza iindleko zokuvala kubabuyiselwa ekhaya. Ezi ngqikelelo, zibizwa ngokuba yi-GFEs ezimfutshane, eziqulethe iindleko zokuvala eziphindaphindiweyo nezingapheliyo. Nangona ezinye iindleko zokuvala eziphindaphindiweyo ezingapheliyo zichazwe ngokucacileyo, ezinye zahlala zidibene. Ngokomzekelo, akukho ndawo kwi-GFE eyenziwe ngayo ukuchazwa kwintlawulo yemboleko yenyanga ye- PITI . Ekubeni umnini-mboleko akafunanga ukuba ahlale emva kwala manani, ayenokudukisa kwaye ayengavumelani phakathi kwababolekisi.

Kwimizamo yokubonelela ngokubhengezwa ngakumbi kubboleki, urhulumente wephondo ngoku (u-Oktobha 3, 2015) ufune ukuba ababoleki banikeze ababolekayo ukuba baxhomekeke kwiimali zokuhlawula imali.

Inkcitho echazwe ngokucacileyo

Ukulinganiswa kweMali yindlela efanelekileyo ebonelelwa kubabolekayo ngababoleki. Inika iinkcukacha ezithe ngqo malunga neentlawulo zenyanga. Ngokungafani ne-GFE, uqikelelo lwemboleko luhlinzekisa i-PITI kunye nolwazi malunga nendlela iintlawulo zabboleki ziza kutshintshwa ngayo ukuba inzala yenzalo iyakwandisa kwikamva. Ukuhlawulwa kweengxowa-mali kunika ulwazi ngabaxhasi kufuneka baqaphele - kodwa abanokukhumbula ukubuza malunga - njengembuyekezo yokuhlawulwa kwangaphambili kunye nokuba ukuchithwa kwemali engalunganga kusebenza kwimali mboleko. Ukuhlawulwa kweengxowa-mali Ukusetyenziswa kolwimi olulula ukuchaza imigaqo-mboleko. Ababolekayo abafanelekile kufuneka baqaphele ukuba iNgxowa-mboleko yokuTyala, kungakhathaliseki ukuba ichanekile kangakanani, ayibopheli ukuba bafake isicelo sokubolekisa ngemali mboleko ethile.

Qaphela ukuba umthetho uvumela ama-GFE ukuba abuyele kwimali-mboleko.

Iindleko zokuvala eziqhelekileyo

Abanye ababuyiselwa ekhaya bayothuka xa befumanisa ukuba izindlu zihlala zibiza ixabiso elingaphezulu kwexabiso elithethiweyo. Xa uthengisa imoto, umzekelo, abathengi abayifaki imali kunye neerhafu ezingaphezulu. Kodwa ukuthenga ikhaya kuyahluke.

Nangona umthengi akahlawuli irhafu yerhafu kwindawo yokuhlala eyodwa okanye yendlu, umthengi angenayo imirhumo eyongezelelweyo yokufumana mboleko kunye nokucwangcisa amaphepha ukuze athenge ikhaya.

Iindleko zokuvala zihamba malunga neepesenti ezingama-3 zexabiso lokuthengisa xa ikhaya libiza ngaphezu kwama-200,000, kwaye ipesenteji ephezulu isebenza xa ixabiso lekhaya lingaphantsi kwama-$ 200,000. Iimali zokuvala eziqhelekileyo ziquka:

• Iindleko ze-akhawunti / iindleko zokuthengisa: Ababolekisi bangadinga ukuba umthengi abeke i-akhawunti yokugcina egcinwe ngumboleki werhafu yokuhlawula irhafu kunye ne-inshorensi.
• Amagqwetha kunye neentlawulo zeegosa zokuvala: Abantu abalungiselela amaphepha okuvala kunye nentlawulo yokusebenza intlawulo.
• Imigaqo-nkqubo ye-inshorensi yesihloko: Iikhampani zetyala zihlawulisa ukukhupha i-inshurensi yentela ekhusela umboleki kunye nomboleki.

Iindleko zokuvala ezingapheliyo

Imirhumo ehlawulwa kanye kwaye ayisayi kuphinda ibizwa ngokuba yiyo engeyiyo. Ezi ntlawulo zihlawulelwa ngexesha elilodwa lezinto ezifana nale:

• Umgaqo wesihloko
• Ukuhlaselwa okanye ukuvala
• U vavanyo
• Ingxelo ye ngxelo
• Notary
• Imirhumo yomnxeba
• Ikhurier neenkonzo
• Imirhumo yeeNtlawulo
• Ukuvunyelwa
• Ukurekhoda
• Imirhumo yokudlulisa
• Isicwangciso sokukhusela ekhaya
• Ukudalulwa kwengozi yemvelo
• Ukuhlola ekhaya
• Imirhumo ehlawulwa kumbolekisi ngokubambisana nemboleko.

Iindleko zokuVala kwakhona

Imirhumo ephindaphindiweyo yile ntlawulo uza kuhlawula kwakhona. Ziquka iintlawulo ezifana nale:

• Intlawulo yomshuwalense womlilo
• Umshuwalense weMkhukula (xa kufuneka kwindawo yakho)
• Iirhafu zepropati
• Iiproyamu zentengo ye-mortgage yomshuwalense okanye yangasese

• Inzala ehlawulwa kuqala

Xa umnini-mboleko wakho ekhupha incwadi yakho yokumisela, iya kubandakanya izibalo ukubonisa ukuba unayo ngokwaneleyo kwiindawo zokugcina ukuhlawula iindleko zakho zokuvala. Ngokomzekelo, ikhaya elibiza i-$ 300,000 lingabiza imali engama-309,000 ama-dollar xa unayo i-$ 9,000 ekuvaleni iindleko zokuhlawula. Oku malunga ne-3% yentengo yokuthengisa.

Ukuba awunayo imali eyongezelelweyo, leyo ingaba yimpendulo. Nangona kunjalo, indawo yakho inokunika iinkqubo zokuthengwa ekhaya zangaphambili-kuqala eziza kukuvumela ukuba ufumane isibonelelo semali yesibini, ngokubanzi ngaphandle kweentlawulo, ukufihla iindleko zakho zokuvala. Unokubuza umthengi wakho wempahla kunye ne-agent ye-estate ye-intengiso kwisiphakamiso kwinkqubo enjalo.

Le mboleko yesibini yokubolekwa kwemali ebizwa ngokuba yimali yokuthenga imali ngaphandle kokungahlawulwanga kwaye akukho mfuneko yokuhlawulelwa uze uthengise ikhaya okanye uzimisele ukuyihlawula.

Unokufumana kwakhona imali evela kumalungu entsapho kunye nencwadi yesipho ukuze uncede ukuhlawula iindleko zokuvala. Musa nje ukuvumela ukuba unayo imali eyaneleyo yokuhlawula iindleko zokuvala ukuyeka ukuthenga ikhaya.

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