Iinkqubo zokuqala zabathengi ekhaya eFlorida , Ukuthenga ikhaya eFlorida kunokuba ngumceli mngeni. Ukubonelelwa kuqinile, kwaye ibango kunye namaxabiso ayenyuka.
Ukuba ungumthengi ekhaya ngu okokuqala eFlorida Ukuhambahamba kwinkqubo, ngakumbi icandelo lemali, kunokubonakala kunzima.
Kodwa lukhona uncedo oluza kwenza inkqubo ibe lula kwaye ungabeka ukuthengwa kwekhaya kufikeleleke ngokwasemalini. Iindidi ze iinkqubo zoluntu, zikarhulumente nezomdibaniso kubathengi bokuqala bekhaya, ngakumbi Imbuyekezo Florida Housing Finance Corp. ., inezixhobo ezisukela kwiingcebiso ngezemali kunye neengcebiso ukuya kwiinkqubo zobambiso ezinokufikeleleka.
U-Chip White, umphathi wezezindlu e-Florida Housing Finance Corp., owaziwa njenge-Florida Housing, uthe imiceli mngeni ejongene nabathengi bamakhaya eFlorida yile yabathengi abasuka kwamanye amazwe bayazi, ikakhulu ukunyuka kweendleko kunye nokunqongophala konikezelo kwiindawo ezithile zikarhulumente.
Iinkqubo ezinje ngeZindlu zaseFlorida, eligunya likarhulumente lezindlu, kunye nezinye iinkqubo zikarhulumente zisebenza nababolekisi abavunyiweyo ukunceda abathengi bekhaya lokuqala eFlorida ngendleko.
Iinkqubo zikwabonelela ngolunye uncedo lwezemali, kubandakanya izibonelelo (imali ekungafuneki ukuba ihlawulwe) kunye nolunye unyuso ukugcina intlawulo kunye neendleko.
Ixabiso eliphakathi lekhaya losapho olunye eFlorida ngo-2020 yayiyi- $ 264,000, ngokutsho IiRealtors zaseFlorida Umbutho omele abathengisi bezindlu eFlorida.
Iingcali zezoqoqosho zikarhulumente ziqikelele ukuba abantu abangama-347,000 bazokufudukela eFlorida kulo nyaka, phantse abantu abangama-900 ngosuku. Uninzi lwabo luya kufuna ukuthenga izindlu. Ke ngoko, ukunyuka kwamaxabiso kunokwenzeka ukuba kuqhubeke.
Ukwazi ukuba zeziphi izibonelelo ezikhoyo zokukunceda uqonde kwaye ujongane nemarike enzima kuya kuyenza inkqubo ingabi nzima kwaye ikuncede ufike kwikhaya lakho lamaphupha.
Intsingiselo yezixhobo zoMthengi waseFlorida
Ixesha lokuqala iinkqubo zomthengi ekhaya Njengoko uphanda ukhetho lwezindlu, uya kubona uninzi lwamagama afanayo ahambelana neearhente, iinkqubo kunye neemveliso. Ukwenza intsingiselo yesobho soonobumba sisiqingatha sedabi.
Ezinye zezinto ezibalulekileyo esiza kubhekisa kuzo kweli nqaku zezi:
- FHFC - Imbuyekezo Florida Housing Finance Corp. , okanye iZindlu zaseFlorida. Le yiarhente yokuya kumvuzo ophantsi ukuya kumodareyitha iFloridians ejonge ukuthenga ikhaya, ukubonelela ngezixhobo kunye neenkqubo zokwenza ukuba inkqubo icace ngakumbi kwaye ifikeleleke ngakumbi.
- FHA -Ulawulo lweZindlu oluManyeneyo, olwenziwe ngexesha lentliziyo yoxinzelelo olukhulu ngo-1934. I-FHA iqinisekisa ukubambiswa kunye nemilinganiselo yokwakha.
- ULusu ISebe lezeZindlu noPhuhliso lweeDolophu laseMelika, elongamela i-FHA, likwanazo neenkqubo ezahlukeneyo ezinceda abathengi basekhaya, kubandakanya amagqala kunye nabatshatileyo. I-HUD ayinayo kuphela iinkqubo, kodwa isikhokelo esibanzi kumalungelo akho njengomthengi wasekhaya, ukuba ulithenga njani indlu kunye nokubolekwa kwemali, nokunye okuninzi.
- USDA -Iarhente yophuhliso lwamaphandle yeSebe lezoLimo laseMelika nayo ineenkqubo zabathengi emakhaya kwiindawo ezisemaphandleni.
- IYAhamba -Isebe laseMelika laseMelika leMicimbi yezeMfazwe, elenza imali-mboleko yasekhaya emkhosini, kumagqala, nakumaqabane abo.
- Ii-SME -I-inshurensi yabucala yokubolekwa kwemali mboleko yabucala, efunekayo kubaboleki ababhatalelwa phantsi ingaphantsi kwama-20%. Oku kunceda ukukhusela ababolekisi ukuba umboleki akakwazi ukuhlawula kwaye uphinde wabuyiselwa. Uninzi lwengeniso ephantsi kunye nelinganiselayo kwimali mboleko yabathengi basekhaya ine-3% yentlawulo esezantsi, ke oku kuya kuba yimfuneko ukuba uthenga indlu.
Uya kubona kwakhona uninzi lwezinto ekubhekiswa kuzo kwimali-mboleko engapheliyo yeminyaka engama-30 xa ujonge ukuthenga ikhaya. Zizo ezo ezinokukhetha kubathengi abasekhaya abangama-90%. Iminyaka engama-30 yemali-mboleko ebekiweyo ithetha ukuba uhlawula imali mboleko yekhaya kangangeminyaka engama-30, ngenqanaba lenzala kunye nentlawulo yenyanga engaguqukiyo. Ezi zezona zibambiso zixhaphakileyo, kuba iintlawulo ziphantsi kwaye ke zifikeleleke ngakumbi kunamaxabiso eminyaka eli-15.
Uncedo lwaBathengi beKhaya lokuQala eFlorida
Urhulumente Unceda Ukuthenga Ikhaya eFlorida . Enye yeendawo zokuqala zokundwendwela ukuba uyaqala ukuthenga umthengi eFlorida Izindlu zaseFlorida . Yadalwa yi-Florida Legislature kwiminyaka engama-35 eyadlulayo ukuqinisekisa ukuba abahlali bakarhulumente baneendlela ezinokufikeleleka zokuthenga amakhaya kwimarike enzima.
Izindlu zaseFlorida isebenza noluntu, ukungenzi nzuzo, abaphuhlisi, urhulumente wobumbano, kunye nokunye ukuphucula kunye nokuqhuba iinkqubo ezinceda abantu ukuba bafumane ikhaya elifanelekileyo kurhulumente.
Uncedo lwezindlu eFlorida. Ineenkqubo zabathengi kunye nezorenta, kunye neenkqubo zabaphuhlisi ezibakhuthaza ukuba bakhe izindlu ezifikelelekayo. Abantu abanokubuyisa abathengi kufuneka bahlangabezane nemilinganiselo ethile yengeniso kunye nekhredithi kwaye kufuneka bathenge ikhaya labo lokuqala ukuze babenakho ukufumana iinkqubo zokuqala zabathengi basekhaya eFlorida.
Izindlu zaseFlorida zineenkqubo ezintathu eziphambili zabathengi bokuqala ekhaya:
- Iinkqubo kubathengi basekhaya : Iminyaka engama-30 eyahlukeneyo yemali-mboleko yokuqala yemali mboleko kubathengi bokuqala bemizi ngokuthatha inxaxheba kubabolekisi kunye nababolekisi kwilizwe liphela, kubandakanya iminyaka engama-30 yokubolekwa kwemali mboleko yesiqhelo, iminyaka yakho engama-30 ye-3% kunye ne-mortgage .
- Inkqubo yoncedo intlawulo yokuqala : Uncedo lwe iindleko zokuhlawula kunye nokuvala ngohlobo lwemali mboleko yesibini esetyenziswa kwiFlorida Housing mboleko yokuqala yekhaya.
- Inkqubo yesiQinisekiso seMali mboleko: Ikhredithi yengeniso yomdibaniso enokusetyenziselwa ukubambisa ngento yokuqala, ethi incede ekuveliseni ingeniso yokuba umboleki ayisebenzise ukwenza iintlawulo zobambiso kunye nezinye iindleko zekhaya.
Ikwanayo noMbutho woLwakhiwo lweZindlu kuRhulumente onceda abathengi bexesha lokuqala ukujongana nemiceli mngeni yezemali ethile kwiindawo ezithile zaseFlorida. Izindlu zaseFlorida zisebenza norhulumente wengingqi, imibutho yezibonelelo yoluntu kunye nezixeko (ezo zifumene izibonelelo zeHUD ukunceda ukuqhuba uphuhliso lwezoqoqosho). Kufanelekile ukuba ujonge iwebhusayithi yezindlu yaseFlorida ukubona ukuba uluntu lwakho lunenkqubo enokukunceda kakhulu.
Nazi iinkcukacha kwiinkqubo zokubambisa ngempahla eFlorida:
IFlorida HFA ekhethiweyo iMali mboleko yesiqhelo
I-Florida HFA ekhethiweyo yeMali mboleko yesiqhelo yiminyaka engama-30 yemali ebekiweyo ebambisa abo babolekayo okokuqala kwikhefu kwi-inshurensi yabucala. Le yeyona mboleko idume kakhulu kwiZindlu zaseFlorida kuba iyanciphisa iindleko kwaye ivumela abantu abaninzi ukuba balungele, utshilo uWhite.
Imveliso ibonelela ngendleko ze-inshurensi yangaphantsi kubathengi abaqeqeshiweyo, ingeniso yenkqubo ephezulu kunye nemida yexabiso lokuthenga kunesiko 'semali mboleko yebhondi' kwaye kulula (amaphepha amancinci) kubabolekisi bethu abathatha inxaxheba ukuba bavele, utshilo.
Ababoleki abafanelekileyo bafuna kuphela i-inshurensi yabucala yemali mboleko egubungela i-18% yexabiso, endaweni yama-35% aqhelekile xa uboleka iipesenti ezingama-97 zeendleko zokuthenga ekhaya (ngamanye amagama, ukwenza intlawulo ephantsi kwi-3%).
Ngenxa yokuba imali-mboleko inikezela ngexabiso eliphantsi le-inshurensi, iintlawulo zenyanga ziphantsi.
IFlorida HFA ikhetha i-3% kunye neMali mboleko yesiqhelo
Oku kunezibonelelo ezifanayo zemali mboleko yesiqhelo yeFlorida HFA, kodwa ikwabonelela ngegranti yokuhlawula kunye nokuvala iindleko. Ngenxa yokuba sisibonelelo, akukho mfuneko yokuba ihlawulwe.
Inkqubo karhulumente yemboleko yamagorha omkhosi
Abasebenzi bezomkhosi kunye namagqala asebenzayo asebenzayo banokuzisebenzisa iinkqubo ezininzi ezinceda ngeminyaka engama-30 yemali-mboleko emiselweyo, kubandakanya ne-FHA, VA, kunye ne-USDA yophuhliso lwamaphandle. Iirhafu zenzala yezi mboleko ziphantsi kunesiqhelo, kwaye zinokusetyenziswa ngokudibeneyo nezinye izindlu zaseFlorida ukuhlawula kunye nokuvala iinkqubo zokuncedisa iindleko ukunciphisa iindleko.
Isibonelelo esikhethiweyo se-HFA
Izibonelelo ezikhethwayo zezezindlu eFlorida zibonelela nge-3% okanye i-4% yexabiso lokuthenga ekhaya ukuba lisetyenziswe njengentlawulo ephantsi kunye noncedo lokuvala. Akunyanzelekanga ukuba ihlawulwe, kodwa kufuneka isetyenziswe kwenye yeenkqubo zokubolekwa kwemali yabathengi basekhaya zaseFlorida.
Inkqubo yesatifikethi semali mboleko yaseFlorida (MCC)
Inkqubo yeSatifikethi seMboleko yeMali mboleko ivumela umthengi wokuqala wasekhaya ukuba afune ibango le-10% ukuya kuma-50% wenzala yemali mboleko yakhe ukuya kuthi ga kwi-2, 000 yeedola ukuba bahlala ekhayeni. Ibhalansi isenokubangwa njengekhredithi yengeniso mboleko yempahla. Ikhredithi isebenza kubathengi bokuqala bekhaya kunye namagqala okuthenga ikhaya.
Ukulungela isiQiniso seziThengi zaMakhaya
Elinye ibinzana oza kuhlala ulibona xa uphanda ukhetho lwakho lokuthenga ekhaya ngabathengi abafanelekileyo. Ukulungela iinkqubo ezivela kwiZindlu zaseFlorida, i-HUD, kunye nezinye iiarhente, umthengi wekhaya akufuneki agqithe kwingeniso ethile, kodwa iyahluka ngokuxhomekeka kwindawo ahlala kuyo nokuba likhulu kangakanani ikhaya. Kukwakho nemida kwinto yokuba ikhaya lingabiza malini, ukwahluka ngokwasekhaya.
Nazi izinto ezithile ezisemgangathweni, nokuba yeyiphi na i-Florida's 67 counties ohlala kuyo:
- Amanqaku etyala angama-620
- Ipropathi kufuneka ibe seFlorida
- Kufuneka ibe yindawo yokuhlala eyintloko yomthengi.
- Umthengi kufuneka athathe ikhosi yemfundo yabathengi yeeyure eziyi-6-8.
Ezinye zezi zicacile, kodwa amanqaku akho enqaku lokuthenga ngetyala yinto ekufuneka uyihlawule ngokukodwa, nokuba ungakanani na amanqaku akho. I-Fair Isaac Corp., ebeka ityala okanye amanqaku e-FICO, iyatshintsha indlela amanqaku afunyenwe ngayo kwaye iimali mboleko ezimbi zifunyenwe, iimali-mboleko ezininzi kakhulu kunye nezinye izinto zinokuthetha amanqaku asezantsi. Ngokuqinisekileyo kufanelekile ukujonga amanqaku akho etyala kunye nokufumanisa ukuba ungayiphucula njani ukuba ucinga ngokuthenga indlu.
Zininzi nezinye izinto ezingena ekufumaneni imali mboleko, ngaphandle kwezixhobo ozisebenzisayo njengomthengi wokuqala ekhaya.
Ukuba iimali zakho zomelele okanye uxhalabile ukuba amanqaku akho etyala okanye umvuzo uphantsi kakhulu, uMncedisi woThengi waseKhaya kwiwebhusayithi yeZindlu eFlorida unokukunceda uqonde ukuba ungakulungela ntoni, kunye nokubonelela ngolwazi lokuba ungayifaka phi imali-mboleko.
Ukusukela oko iimali mboleko zethu zivela kubaqeqeshi ababolekisiweyo kunye nabaphunyezwe yinkqubo kwilizwe lonke, sikwadwelise amanye amagosa emali mboleko yethu athabatha inxaxheba kwiwizard, utshilo uWhite. Aba babolekisi banokufanelekela kwangaphambili kwaye babone ukuba zeziphi iimveliso ezifanelekileyo kwimeko yomboleki.
Iinkqubo zesizwe zabathengi bokuqala ekhaya
Kukwakho neenkqubo zikazwelonke zomthengi ezifumanekayo zokunceda abathengi bokuqala ukuba bangene kwikhaya labo lamaphupha.
Enye yezona ndawo ziluncedo ekutyeleleni zii-HUD's. Ukunceda abantu babe ngabanini bamakhaya yenye yezona zinto zibaluleke kakhulu ezenziwa yi-HUD, indawo ithi.
I-HUD inikezela ngeengcebiso zasimahla kwabo bachaphazelekayo ngokuthenga indlu, kunye neenkqubo zootitshala, abacimi-mlilo, amagosa ezomthetho nabanye abanikezela ngezaphulelo kwiindleko zokuthenga emakhaya phantsi kwenkqubo yommelwane olungileyo waseNext Door.
Ezona mboleko zemali zixhaphakileyo kuzwelonke zezi:
- Imali mboleko ye-FHA -Ukuba amanqaku akho etyala aphantsi, inokuba yeyakho inkqubo. Intlawulo yokuqala ye-FHA kwabo banamanqaku etyala angama-580 okanye ngaphezulu kwi-3.5% yokuthenga. Ukuba amanqaku akho etyala angaphantsi kwama-580, i-FHA ifuna ukuhlawulwa ngeepesenti ezili-10 ukukhusela imali mboleko. Imali mboleko ye-FHA ifuna i-inshurensi yobambiso yobomi bemali mboleko.
- VA mboleko -Abo basebenze okanye basebenza emkhosini kunye nabatshati babo banokufumana iimali mboleko ze-VA kwiSebe laseMelika leMicimbi yeVeterans, ezinye zazo ezingadingi kuhlawulwa phantsi okanye i-inshurensi yobambiso.
- Imali mboleko ye-USDA Le mali-mboleko ayinayo intlawulo yokuhlawula abantu abahlala emaphandleni, neemfuno zengeniso ezahluka ngokwengingqi. Ababoleki abanamanqaku etyala angaphantsi kwe-640 banezinye iimfuno.
I-Florida Military Heroes kunye neNkqubo yokuQala yeMali mboleko
Ukujongwa kumalungu omkhosi osebenzayo ofanelekileyo kunye namagqala emfazwe, ezi nkqubo zibonelela ngeminyaka engama-30 yemali ebekiweyo yemali mboleko kwi-inshurensi karhulumente (i-FHA, VA, kunye ne-USDA) mboleko. Amagorha Omkhosi ubonelela ngamaxabiso asezantsi kuneFlorida yokuqala, kwaye awunyanzelekanga ukuba ube ngumthengi wokuqala wekhaya ukusebenzisa nayiphi na inkqubo. Ababoleki banokudibanisa le mali-mboleko kunye neZindlu zaseFlorida zokuhlawula kunye nokuvala inkqubo yokunceda iindleko.
I-FL HFA ekhethwayo kunye neNkqubo eQhelekileyo yeMali mboleko
Ababoleki abafanelekayo kule minyaka i-30 yemali-mboleko yemali ebekiweyo baya kubona iindleko zeinshurensi ephantsi kunezezimali mboleko ze-FHA. Imali mboleko inokudityaniswa kunye nenkqubo yokuhlawula kunye nokuvala inkqubo yokuncedisa iindleko. Iindlela ezimbini eziqhelekileyo zokhetho lweMALI mboleko ezikhethiweyo zibonelela ababoleki abafanelekileyo ngeepesenti ezintathu okanye iipesenti ezi-4 zokuhlawula iindleko zokuhlawula kunye nokuvala. Ezo granti akufuneki zihlawulwe. Isibonelelo seepesenti ezi-4 siza nenqanaba eliphezulu lenzala ngaphezu komgangatho oKhethiweyo kunye neepesenti ezi-3 zeMALI mboleko ekhethiweyo.
IFlorida yeZindlu yokuHlawula ukuHlawula kunye neNkqubo yokuNcedisa kwiNdleko
Inkqubo yaseFlorida yokuNcedisa yesiBini yokuBolekisa (FL yoNcedo)
Ababolekisi abafanelekileyo bafumana ukuya kuthi ga kwi-7 500 yeedola kwi-0 yeepesenti yenzala kwimali mboleko yesibini ebekiweyo ukuze bayisebenzise xa behlawula. Intlawulo irhoxisiwe de ikhaya lithengiswe okanye ipropathi idluliselwe, okanye xa imali-mboleko ihlawulwe okanye yahlawulwa kwakhona.
Iipesenti ezi-3 zeHFA ezikhethiweyo
Le nkqubo ibonelela ababoleki abafanelekileyo ngepesenti ezi-3 zexabiso lokuthenga emakhaya abanokulisebenzisa xa behlawula phantsi okanye bevala iindleko. Isibonelelo akufuneki sihlawulwe.
Inkqubo yesatifikethi semboleko mali yezindlu yaseFlorida (MCC)
Abathengi bokuqala abafanelekileyo ekhaya banokubanga iipesenti ezingama-50 zenzala yabo yemali mboleko ehlawulweyo, ebanjelwe kwi-2, 000 yeedola, ngohlobo lwetyala lerhafu unyaka ngamnye abahlala ekhayeni lakho. Ikhredithi yerhafu inciphisa umthwalo werhafu kubaboleki ukunceda ukukhulula umvuzo ongaphezulu onokusetyenziselwa ukubhatala imali mboleko kunye nezinye iindleko zekhaya.
Qaphela: Ezi nkqubo kufuneka zisetyenziswe kwinkqubo yemali mboleko yasekhaya eFlorida.
Iziqulatho
- Intsingiselo yezixhobo zoMthengi waseFlorida
- Ezinye zezinto ezibalulekileyo esiza kubhekisa kuzo kweli nqaku zezi:
- Uncedo lwaBathengi beKhaya lokuQala eFlorida
- Izindlu zaseFlorida zineenkqubo ezintathu eziphambili zabathengi bokuqala ekhaya:
- IFlorida HFA ekhethiweyo iMali mboleko yesiqhelo
- IFlorida HFA ikhetha i-3% kunye neMali mboleko yesiqhelo
- Inkqubo karhulumente yemboleko yamagorha omkhosi
- Isibonelelo esikhethiweyo se-HFA
- Inkqubo yesatifikethi semali mboleko yaseFlorida (MCC)
- Ukulungela isiQiniso seziThengi zaMakhaya
- Nazi izinto ezithile ezisemgangathweni, nokuba yeyiphi na i-Florida's 67 counties ohlala kuyo:
- Iinkqubo zesizwe zabathengi bokuqala ekhaya
- Ezona mboleko zemali zixhaphakileyo kuzwelonke zezi:
- I-Florida Military Heroes kunye neNkqubo yokuQala yeMali mboleko
- I-FL HFA ekhethwayo kunye neNkqubo eQhelekileyo yeMali mboleko
- IFlorida yeZindlu yokuHlawula ukuHlawula kunye neNkqubo yokuNcedisa kwiNdleko
- Inkqubo yaseFlorida yokuNcedisa yesiBini yokuBolekisa (FL yoNcedo)
- Iipesenti ezi-3 zeHFA ezikhethiweyo
- Inkqubo yesatifikethi semboleko mali yezindlu yaseFlorida (MCC)