Thenga indlu ngayo. I-ITIN mboleko yezindlu inikezela abafuduki ithuba lokuba ngabanini bamakhaya. Akukho bumi okanye inombolo yokhuseleko lwentlalo efunekayo. Ukufaka isicelo semali-mboleko I-ITIN , Unokwenza njalo usebenzisa inombolo yakho ye-ITIN (inombolo yesazisi yerhafu).
IIMALI mboleko iimfuno
Iimfuno ngqo zemboleko ziya kuxhomekeka kumbolekisi. Kuya kufuneka ulindele ukuba oku kulandelayo kuya kufuneka nakowuphi na umboleki-mboleko we-ITIN:
- Ityala - Cinga ngobume bemali mboleko ye-ITIN, kukho iimfuno zekhredithi eziguqukayo. Ababolekisi abaninzi baya kuqaphela ukusebenzisa ezinye iindlela zamaxwebhu etyala, njengoncedo kunye namatyala omnxeba.
- Yobhi - Kuya kufuneka unikezele ngesiqinisekiso seminyaka emi-2 yengqesho engatshintshiyo.
- Iinkcukacha zerhafu - Umbolekisi wakho uya kufuna ukubona iminyaka emi-2 yokugqibela yembuyekezo yerhafu (W-2 okanye 1099).
- Intlawulo yokuqala - Lindela ukuba kufuneka unike ubuncinci i-10% yokuhlawula. Ubuncinci obufunekayo ekuhlawuleni buya kuxhomekeka kumbolekisi.
- Ukuchonga - Ikopi yekhadi lakho le-ITIN kunye nelayisensi yokuqhuba okanye ipaspoti ziya kufunwa nguwo nawuphi na umbolekisi.
- Iingxelo ze-akhawunti - Lindela ukuba ubonelele phakathi kweengxelo zebhanki ezi-2-6. Inani elichanekileyo leengxelo zebhanki ekuya kufuneka ukuba unikezele ziya kuxhomekeka kumbolekisi othile owenza isicelo naye.
Ababolekisi abaphezulu be-ITIN
Iibhanki eziphambili ezamkela itin ukuthenga indlu, Zeziphi iibhanki ezenza imali mboleko yokubolekwa kwemali kuyo. Nazi ezinye zezona zibolekisi zibambisayo ze-ITIN:
FNBA -Ibhanki yokuqala yeSizwe yaseMelika inenkqubo ye-ITIN efumaneka kuwo onke ama-50. Ubuncinci bokuhlawula obufunekayo kwinkqubo yakho ye-ITIN yi-20%.
Imali mboleko eManyeneyo -I-United Mortgage Corporation yaseMelika ibonelela ngenkqubo ye-ITIN evumela ukuya kuthi ga kwiipesenti ezingama-80 ze-LTV kubathengi bokuqala basekhaya. Banikezela ngemboleko mali ye-ITIN kwezi meko zilandelayo: CA, CO, TX kunye WA.
I-ACC yoBambiso : I-ACC Mortgage ibonelela ngemveliso yemali mboleko ye-ITIN, kodwa ngokubanzi amaxabiso abo awakhuphisani. Bafuna i-20% yokuhlawula ezantsi (enokunikwa). Babonelela ngezemali kuphela kwi: AZ, CA, CO, CT, DC, DE, FL, GA, IL, MD, NV, NJ, NC, PA, SC, TX, VA kunye neWA.
Yiya eAlterra : I-Alterra ibonelela ngeemali-mboleko ze-ITIN nge-20% yokuhlawula ezantsi kubafakizicelo abafanelekileyo. Banikezela ngemboleko mali ye-ITIN kwi: AL, AZ, CA, CO, CT, DC, FL, GA, IL, IN, IA, KS, MD, MN, NE, NV, NH, NJ, NM, NM, NC, OK, OR, I-PA, RI, SC, TN, TX, VA kunye neWA.
Iinkonzo kunye neengxaki zeemali ze-ITIN
Apha ngezantsi kukho izibonelelo kunye nezinto ezingalunganga kwimali mboleko ye-ITIN. Unokufuna ukuqaphela ngononophelo ukuba ngaba olu hlobo lwenkqubo lulungile kuwe.
Uncedo:
- Iyafumaneka kwabangengobemi.
- Ukhuseleko lwasekuhlaleni alufuneki. Yipasipoti kuphela, iphepha-mvume lokuqhuba okanye olunye uhlobo lokuzazisa.
- Iimfuno zekhredithi eziguqukayo zikuvumela ukuba usebenzise imithombo engeyiyo eyemveli yekhredithi.
Ukungancedi:
- Amaxabiso ahlala ephezulu kunaleyo yemali mboleko yesiqhelo.
- Intlawulo enkulu enkulu iyafuneka (uninzi lwababolekisi bemali-mboleko kwi-ITIN luya kufuna i-10-30% yokuhlawula)
Kwiimeko ezininzi, imali-mboleko ye-ITIN iyafana nezinye iimali mboleko eziqhelekileyo zekhaya. Umahluko obalulekileyo kuphela yile uchazwe apha ngasentla. Ukuba ufanelekile, unokwenza intlawulo ehlawulelwayo kwaye unokuhlawula ngokufanelekileyo intlawulo yokubolekwa kwemali mboleko, imali mboleko ye-ITIN inokuba yeyona ndlela ilungileyo (kwaye kuphela) yokubambisa.
Imibuzo esoloko ibuzwa
Zeziphi iintlobo zeepropathi ezifanelekileyo kwezi mboleko?
Iimali-mboleko ze-ITIN zinokusetyenziselwa amakhaya osapho olunye, iikhondomu, kunye nePUDS.
Ngaba imali-mboleko ye-ITIN ingasetyenziselwa ipropathi yotyalo-mali?
Hayi, iimali mboleko ze-ITIN zinokusetyenziselwa kuphela indlu ekuhlalwa kuyo ngumnini (indawo yokuhlala yokuqala).
Ngaba i-ITIN mboleko ziyafumaneka nge-FHA?
Hayi, i-FHA ayiboneleli ngenkqubo ye-ITIN.
Ngaba ukhona umthetho ochasene nokukhupha imali mboleko kubabolekisi ngaphandle kwe-SSN?
Akukho mithetho ithintela ukubolekwa kwemali ekhaya enikwa kwabo bangengabo abemi. Inye into yokuba uninzi lwababolekisi lukhetho lokubonelela kuphela ngemali mboleko kubabolekisi ngenombolo yokhuseleko lwentlalo. Ukongeza, noFannie Mae, uFreddie Mac, okanye i-FHA ayizixhasi ezi ntlobo zemboleko mali, nto leyo edala ubunzima obunxulumene nemarike yemali mboleko yesibini. Ke ngoko, ziindidi ezizodwa zababolekisi, ezizezi babolekisi beepotfoliyo ababonelela ngezi ntlobo zemboleko.
Uyifumana njani indlu ebolekiweyo ngenombolo yesazisi (itin)
Ngokuchasene nenkolelo edumileyo, kunokwenzeka ukuba ufumane imali mboleko ngaphandle kwenombolo yokhuseleko kwezentlalo okanye imeko esemthethweni e-US Ngapha koko, i-US lelinye lamazwe avumela abantu abangabemi ukuba bafumane iipropathi.
Inkqubo yokuthenga ekhaya inezinto ezininzi ezingafaniyo, kodwa kunokwenzeka. Sifuna ukukunceda ufezekise amaphupha akho okuba ngumzi. Funda ngokufunda ngakumbi malunga nokubolekwa kwemali ekhaya kunye nenombolo yakho ye-ITIN.
Yintoni inombolo ye-ITIN?
Ukuba awuzange uve ngeli gama ngaphambili, kuya kufuneka wazi ukuba inombolo ye-ITIN imele inombolo yesazisi yomrhafi . Ngokusisiseko, linani lerhafu elineenombolo ezilithoba elinikezelwe kubantu abangenalo ulwazi olusemthethweni njengabemi. Abemi bezomthetho baya kufaka ulwazi lwabo lwerhafu nge-SNN (inombolo yokhuseleko lwentlalo) kwaye abayi kuyidinga inombolo ye-ITIN.
Kukho amanyathelo amaninzi oya kuyidinga ukuze ufumane ubambiso nge-ITIN yakho. Okokuqala, ukuba uhlawula irhafu njengomntu ongengommi kwaye awunakufumana i-SNN, unokulungela i-ITIN. Ii-ITIN azisekelwanga kubume bendawo yokuhlala, ke awunakukhathazeka ngokuba unepropathi ngaphambi kokuba uboleke.
Fumana imali mboleko
Ukuba unomdla wokufaka isicelo semali mboleko ye-ITIN, kuyakufuneka ugcwalise iifom ezininzi. Ezinye zeendlela zibandakanya:
- Ubungqina bemali ezinzileyo yengeniso
- Imbali yetyala
- Ukuqinisekiswa kwengeniso
Kuya kufuneka ubonise ubungqina bokuthenjwa kwemali ukubonisa ukuba ungazigcina iintlawulo zakho zemali mboleko. Izinto ezifunekayo ziya kwahluka kubanikezeli bemali mboleko, ke ngoko qiniseka ukuba unake kakhulu oko bakucelayo.
Kule meko, uzakufuna iziqinisekiso zemali ezingekahlawulwa ukukhusela ukuthenga kwakho ekhaya. Into ebaluleke kakhulu kwindlela ukugqitywa kwamanqanaba ngumboneleli okhethileyo. Phantse bonke ababolekisi baya kufuna amaxwebhu afanelekileyo okuqinisekisa ukuba uya kuba nakho ukuyibuyisa imali mboleko ngexesha.
Imiceli mngeni onokudibana nayo
Umceli mngeni kubafaki-zicelo abaninzi abanomdla abakwazi ukubonelela ngamaxwebhu emivuzo njengoko uninzi lwabaqeshi bengangenisi olo lwazi. Ukuba umsebenzi uhlawulwa ngekheshi, phantse akunakwenzeka ukufumana olo lwazi.
Oko kuthetha ukuba ukuba ungumphambukeli nge-ITIN e-US, kuya kufuneka ugcine isixa semali kwaye unike amaxwebhu afunekayo, anje ngembali yentlawulo yengeniso, ukuze ufumane ubambiso. Amaxabiso kwimali-mboleko ye-ITIN anokuba phezulu xa kuthelekiswa namaxabiso aqhelekileyo afunyenwe kwimali mboleko esisigxina okanye ehlengahlengisiweyo.
Qaphela ukuba ayingabo bonke abantu abane-ITIN e-US abalapha ngokungekho mthethweni, abanye abantu abavela kwamanye amazwe abangenayo i-SSN banokuhlala ngokusemthethweni e-US Inkqubo yaba bantu iya kuba lula njengoko bathanda ukufumana umvuzo kunye nekhredithi imbali.
Uluhlu lokutshekisha kwangaphambili ngaphambi kokuthenga indlu
Kuya kufuneka uyazi ukuba i-ITIN mboleko ezantsi zokuhlawula ziphezulu kunezinye iimali mboleko. Eli xabiso lihlala ubuncinci li-20% yexabiso elipheleleyo lendlu. Kwakhona, ukuba umbolekisi sele efumene imali evela kumthombo ongaphandle wentlawulo ephantsi, ixabiso lentlawulo ephantsi liya kunyuka. Nangona kubonakala kufanelekile, oku kwenzelwa ukukhusela umbolekisi kwimeko yokuba umntu lowo agxothwe kwilizwe elizayo.
Njengoko kuchaziwe apha ngasentla, kuyakufuneka ube nenombolo ye-ITIN. Ukuba awunayo, kufuneka ufake isicelo senombolo ye-ITIN nge-IRS. Le fomu yile W-7. Ukusuka apha kufuneka ube namaxwebhu embali yakho yekhredithi. Imbali yakho yetyala yakha ngokuhamba kwexesha ngentlawulo yemali mboleko, amakhadi etyala, okanye ezinye iintlobo zekhredithi.
Kuya kufuneka wenze nembali ehambisanayo yokurenta. Uninzi lwababolekisi be-ITIN bonwabile ukubona iminyaka emi-2 yokuhlawula irente njengoko izakubanceda babonelele ngamaxwebhu angaphezulu okuxhasa imali mboleko. Oku kuya kunceda ukubonisa ukuba uya kuba nakho ukwenza iintlawulo zobambiso lwexesha elizayo kunye nedatha edlulileyo.
Imbali yengqesho ikwabalulekile njengoko ibalulekile kwinkqubo. Imbali yomsebenzi ubuncinci yeminyaka emi-2 ngokubanzi iyimfuno esezantsi.
Uyithenga njani indlu
Okwangoku, kuya kufuneka ufumane umniki-mboleko owamkela iinombolo ze-ITIN. Inyathelo elilandelayo iya kuba kukufumana imali mboleko kwangaphambili. Le nkqubo ibandakanya umbolekisi eqokelela imbali yakho yamatyala. Uninzi lwababolekisi lifuna imbali enkulu yamatyala, kodwa abanye banokuwamkela amatyala okusetyenziswa kunye neerekhodi zokurenta. Nje ukuba imvume-mboleko yakho idlule, ekugqibeleni ungakhangela ikhaya olifunayo ukuze ulungele uhlahlo-lwabiwo mali lwakho lwangaphambili.
Iziqulatho
- IIMALI mboleko iimfuno
- Ababolekisi abaphezulu be-ITIN
- Iinkonzo kunye neengxaki zeemali ze-ITIN
- Uncedo:
- Ukungancedi:
- Imibuzo esoloko ibuzwa
- Uyifumana njani indlu ebolekiweyo ngenombolo yesazisi (itin)
- Yintoni inombolo ye-ITIN?
- Fumana imali mboleko
- Imiceli mngeni onokudibana nayo
- Uluhlu lokutshekisha kwangaphambili ngaphambi kokuthenga indlu
- Uyithenga njani indlu