Uyithenga njani indlu ngaphandle kwentlawulo? Uyithenga njani indlu ngaphandle kwemali.
Ukufumana imali yokuhlawula phantsi kunokuba ngumqobo omkhulu kuye nabani na ojonge ukuba ngumninikhaya.
Uninzi lwe Iingcali zezezimali zincomela ukujolisa ekuhlawuleni iipesenti ezingama-20 ukubaleka hlawula ngaphezulu inyanga nenyanga ye i-inshurensi yobambiso yabucala . Ukuba uziva ngathi ukonga kakhulu kunokuba yinto engenakwenzeka, awuwedwa. Ngokwedatha evela Realtor.com , umthengi oqhelekileyo weminyaka eliwaka washiya umyinge we-8.8% yexabiso labo lokuthenga ekhaya ngoDisemba 2019.
Ngethamsanqa, kukho ezinye iindlela kunoku ubambiso oluqhelekileyo yintoni enako kukunceda uthenge indlu ngaphandle kwentlawulo . Urhulumente wase-United States ubonelela ngemali mboleko yasekhaya kubathengi basekhaya abakwimeko yezemali, kodwa ke kunjalo kukho urhwebo.
Ngelixa ezi mboleko-mali zinokuba nemigaqo elungileyo, enje nge inzala ephantsi , kuhlala kukho ifayile ye- imigangatho yemfundo ephezulu . Ukufumana enye yezi mboleko akukwenzi ukuba ungakukhululi ngokupheleleyo, kuba usadinga imali yokugubungela iindleko zokuvala , kwaye xa usendlwini, iintlawulo zobambiso zenyanga.
Apha ngezantsi kukho inqaku lesithathu kwezona mboleko zixhaswa ngurhulumente kubathengi bamakhaya, banikezelwa ziindidi ngeendidi zababolekisi kwilizwe liphela. Qaphela ukuba amazwe amaninzi anikezela ngenkqubo zoncedo kwimali mboleko yendlu, ngakumbi abathengi bexesha lokuqala.
Imicimbi yeVeterans (VA) mboleko
Amalungu asebenzayo kunye nabangaphambili emkhosini banokufikelela kwi Imboleko mali yeVeterans Affairs (VA) Ukuxhasa ngemali ukuthengwa kwe ndlu ukuya kuthi ga kwiidola ezingama-484,350 ngo-2019 , uhlala enenzala ephantsi kunokubambisa ngento eqhelekileyo. Le mali-mboleko ayifuni ntlawulo iphantsi okanye i-inshurensi yobambiso, kodwa iza nezikhokelo ezingqongqo, kubandakanya ukufezekisa ubuncinci beemfuno zepropathi.
Umthengi kufuneka ahlawule imali yokuhlawula, ekhusela umbolekisi kwimeko yokungahlawuli. Inani elichanekileyo lomrhumo lixhomekeke kwinkonzo yomkhosi womthengi, isixa sentlawulo ephantsi, nokuba ngaba babenemali mboleko ye-VA ngaphambili, kwaye ichazwa njengepesenti yemali mboleko iyonke ( ngokubanzi ngaphantsi kwe-3% ), ucacisa uNerdWallet . Imali ingahlawulwa kwangaphambili okanye yongezwe kwimali mboleko iyonke.
Iindleko zokuvala zihlala zikhawulelwe kwimali mboleko ye-VA, nangona umthengi esenoxanduva lokuzihlawula kwiimeko ezininzi.
Imali evela kwiSebe lezoLimo laseMelika (USDA)
Imali mboleko United States Isebe lezoLimo (USDA) inceda abantu kwiindawo ezisemaphandleni ukuba bathenge izindlu ngemali yokuqalisa. Ukulungela i INkqubo yoKhuseleko lweMali mboleko yaKhaya eliLodwa , kufuneka ithobele ethile iimfuno zengeniso , ichazwe njenge ingeniso isezantsi ukuya kumodareyitha, ezahluka ngakwilizwe. I-USDA inenkululeko kunye nenkcazo yayo yasemaphandleni kwaye ikwajonga neendawo ezisezidolophini (ungakhangela iidilesi ezithile usebenzisa le mephu kwiwebhusayithi ye-USDA ).
Akukho manqaku asezantsi okufumana imali mboleko ye-USDA, nangona amanqaku e Ngama-640 awongamileyo kwaye umyinge kumvuzo-kumvuzo ongaphantsi kwama-41% ngokubanzi ukulungele ukubhala ngokuzenzekelayo, ngokwe USDAloans.com .
Ngaphandle kwesibophelelo sokuhlawula phantsi, umthengi kulindeleke ukuba ahlawule umrhumo wokuqala mali olingana ne-1% yemali mboleko iyonke ukukhusela ekungahlawulini, kunye nentlawulo ethile ye-USDA ye-0.35% ebalwa njengepesenti yemali mboleko unyaka nonyaka, kodwa yongeze intlawulo yenyanga kwaye ihlawulwe kumbolekisi wobambiso.
Ulawulo lweZindlu kuRhulumente (FHA)
Imali mboleko ye-Federal Housing Administration (FHA) ivumela abathengi ukuba babhatale kuphela iipesenti ezi-3.5 zexabiso lokuthenga indawo yokuhlala yokuqala, kodwa ifuna amanqaku ekhredithi Ngama-580 awongamileyo kunye nomlinganiselo wetyala nengeniso ongaphantsi kune 43% . Ukuba unamanqaku etyala phakathi kwe-500 kunye ne-579, kuya kufuneka ushiye i-10%.
Iimali-mboleko ze-FHA zifuna i-inshurensi yobambiso yabucala, eyenziweyo njengentlawulo ephantsi kunye neentlawulo zenyanga, kwaye ngokubanzi iya kuthwala inzala ephezulu kunokubambisa ngento eqhelekileyo. Umthengi unoxanduva lokuvala iindleko.
Inkqubo ye- ubuninzi bemali mboleko ye-FHA iyahluka ngokwendawo, kodwa kwikhaya elinye losapho iyahluka ukusuka kwi-315,515 yeedola kwindawo enexabiso eliphantsi ukuya kwi-726,525 yeedola kwindawo enexabiso eliphezulu ngo-2019.
Ungalufumana njani uncedo lokuhlawula?
Kukho iinkqubo kwilizwe liphela zokunceda ababoleki abafanelekileyo ukuba bafumane intlawulo ephantsi abayifunayo ukuthenga indawo yokuhlala yokuqala.
Uninzi lwe iinkqubo zokunceda phantsi kwentlawulo Bayiphatha imali njengegranti ukuba uhlala kwipropathi, kodwa njengemali mboleko ukuba uyathengisa, uKahn uyacacisa. Banokuqwalaselwa ngenjongo yokukhuthaza abathengi ukuba bathuthele kwiindawo ezithile.
Imizekelo yeenkqubo zoncedo ezihlawulelwayo ezikhoyo:
- KwiDenver, inkqubo Uncedo lweMetro Mortgage kunye noNcedo unikezela ngesibonelelo ukuya kuthi ga kwiipesenti ezi-4 zemboleko. Ingeniso yababoleki akufuneki idlule kwimida, kwaye ukuhlawulwa kweepesenti ezi-0.5 kunokufuneka.
- E-San Diego, abathengi bexesha lokuqala abangenzi ngaphezulu kweepesenti ezingama-80 zengeniso yommandla ophakathi bangafaka isicelo se Isibonelelo esifikelela kwi- $ 10,000 . Intengiselwano zixhomekeke kweminye imiqobo, kubandakanya uhlobo lwepropathi kunye nexabiso lokuthenga.
- EMichigan, abathengi bekhaya lokuqala kwilizwe lonke kwaye baphinda abathengi basekhaya kwiindawo ezithile abanamanqaku okuthenga ngetyala okungenani ama-640 banokufaka isicelo mboleko ukusuka zero pesenti phantsi koncedo lokuhlawula ukuya kuthi ga kwi-7,500 yeedola. Xa kuthengiswa ikhaya okanye kuhlaziywa imali, imali-mboleko kufuneka ihlawulwe ngokupheleleyo. Umboleki makenze i-1 yepesenti yentlawulo.
- ECleveland, abathengi abafanelekileyo banokufumana i- ukuboleka imali ukuya kuthi ga kwipesenti ezili-17 Ixabiso lilonke lentengiselwano (ixabiso lokuthenga kunye neepesenti ezi-5 zeendleko zokuvala). Umboleki kufuneka enze igalelo okungenani iipesenti ezi-3 zexabiso lilonke lentengiselwano. Amashumi amahlanu eepesenti yemali-mboleko ebekiweyo iya kuxolelwa emva kweminyaka eli-10 yokuhlala, kwaye imali eseleyo ayidingi kuhlawulwa ide ithengiswe okanye idluliselwe. Kwezinye iipropathi, imali mboleko iguqula isibonelelo emva kweminyaka emihlanu yokuhlala.
- ECarlifonia, inkqubo yokuncedisa kwintlawulo yokuqala IPLatinum Platinum ibonelela ababolekisi bemivuzo ephantsi kunye nelingeneyo isipho esingabuyiswayo ukuya kuthi ga kwiipesenti ezintlanu zexabiso lasekhaya ekuthengeni okanye ekuhlaziyweni kwendawo yokuhlala ephambili. Amanqaku amancinci afunekayo e-FICO angama-640, kwaye elona nani liphezulu lamatyala afumana umvuzo liipesenti ezingama-50. Abanye baboleki kuya kufuneka bangene kule mboleko phantsi kweepesenti ezi-0.5, utshilo uKahn.
Ngaba ufuna imali ukuvala?
Isidingo semali ethile ukuvala ubambiso asisiyo intsomi, ngokubanzi. Imali mboleko ezivumela umboleki ukuba athenge indlu ngaphandle kwedola enye epokothweni aziqhelekanga. Iindleko zokuvala zinokongeza ukuya kuthi ga kwiipesenti ezi-3 ukuya kwezi-5 zexabiso lokuthenga kwaye zibandakanya:
- Umrhumo wokuqala
- Imali yesicelo
- Imali yokulamla
- Amanqaku esaphulelo (okanye amanqaku obambiso)
- Imirhumo yeqela lesithathu (kubandakanya ukuvavanywa, ukuhlolwa, ingxelo yesihloko, i-inshurensi yesihloko, ingxelo yamatyala, ukuqinisekiswa kwezikhukula, uphando kunye nezinye iifizi)
- Izinto ezihlawulelwa kwangaphambili (kubandakanywa i-inshurensi yabanini bamakhaya, iirhafu zepropathi, inzala ehlawulwe kwangaphambili)
- Umrhumo wobhaliso
- Intlawulo yokulungiselela amaxwebhu
Abanye ababolekisi bathembisa ukuhlawula umrhumo othile, mhlawumbi endaweni yokufumana inzala ephezulu kwimali mboleko. Iinkqubo ezithile zivumela iifizi ukuba zongezwe kwimali-mboleko ukuze zingafaneleki ukuvalwa (uya kuthi emva koko uhlawule inzala kwimirhumo yobomi bemali mboleko).
Unokufumana iindlela zokuyila zokunciphisa iindleko zakho zokuphuma epokothweni. Umzekelo, ilungu losapho linokukunika imali yokubhatala kwaye unokucela umthengisi ukuba anikezele ngeminyinyiva (iikhredithi zomthengisi) ngeendleko zokuvala.
Luthini ululeko mali lwangaphambili lwe-zero ngumbono olungileyo?
Ukuhlawulwa kwemali mboleko engahlawulwanga yinto efanelekileyo kumthengi wasekhaya onemali encinci kodwa ulunge ngakumbi ukuthenga ikhaya.
Ingeniso kunye nokufaneleka kwekhredithi zizibonakaliso eziphezulu kakhulu zokulungela ukuba ngumnini makhaya kunentlawulo esezantsi, utshilo uPaul. Ilungu lomkhosi oxhobileyo emsebenzini linengeniso ezinzileyo, umvuzo oqinisekisiweyo phantse onamathuba okuphulukana nomsebenzi. Iimali-mboleko ze-VA zigqithisa ezinye iintlobo ezininzi zemali mboleko zokuhlawula ezantsi.
Ukuba awunazicwangciso zokuthengisa ubuncinci iminyaka embalwa yokuqala, uzimisele kwaye uyakwazi ukuthatha uxanduva lokugcina ikhaya, kwaye unengeniso ezinzileyo, ukungabhatali imali mboleko kunokukhokelela kubunini beminyaka ngaphambili. ngaphezu kokuba ubunokugcina ukuba ubhatale imali esezantsi.
Kukuthini ukungabikho kwemali mboleko kwangaphambili ukuba ingumbono ombi?
Ukungabambisi ngempahla kungangabi yinto elungileyo kumboleki onokuthi enze intlawulo kwaye agcine imali ekuhambeni kwexesha ngenxa yoko. Iindleko zokuqala kunye nenqanaba lenzala yemali mboleko zihlala zilingana ngokuchaseneyo nentlawulo yokuqala. Okukhona ushiya ikhaya, kokukhona iimeko ziya kuba bhetele kwaye ungaphantsi uya kuhlawula ngokubanzi.
Ukuhlawulwa kwemali mboleko kwangaphambili akuyiyo ingcamango efanelekileyo kwiimarike ezihla. Ukuba ulahlekelwe yintlawulo kwaye ixabiso lekhaya lakho liyehla, uya kuba phantsi kwamanzi (uya kuba netyala elingaphezulu kwikhaya lakho kunokuba kufanelekile kwintengiso yanamhlanje).
Uya kuphulukana nokuba uthengisa kwikamva elikufutshane. Kuya kufuneka ubhekise kwinqanaba lokuphumla lokulinganisa (indawo apho ubulungisa bakho budlula khona zombini iindleko zakho zokuthenga kunye neendleko zakho zokuthengisa). Oku kunokuchitha ngokulula iminyaka emihlanu kwimali mboleko. Ukuba uthengisa kwangoko, uya kuphulukana nemali.
Okokugqibela, imali mboleko yokungabinayo imali asiyontshukumo elungileyo yemali yomntu ongakwaziyo ukubeka ecaleni imali rhoqo. Uya kudinga uqeqesho kuhlahlo-lwabiwo mali ukuze ube nekhaya, okanye unokujongana nengxakeko enkulu yezemali xa ikhaya lakho lifuna ulondolozo. Awuyi kufaneleka kwimali mboleko yokulingana ekhaya de ube ne-equity eyaneleyo (uhlala ufuna i-20 yepesenti emva kokuvalwa kwemali-mboleko), enokuba yiminyaka esithoba ukuya kweli-12, kuxhomekeke kwinqanaba lenzala yakho.
Ungalufumana njani ilungelo lokuBolekisa ngokuBoleka imali mboleko?
Phantse bonke ababolekisi bemali mboleko babonelela ngemveliso yemali mboleko emininzi ukuhlangabezana neemfuno ezahlukeneyo zababolekisi, kubandakanya nemali mboleko ephantsi. Ababolekisi kwilizwe lonke babonelela ngeenkqubo zokubolekisa nge-VA, USDA, kunye neFHA, umzekelo.
Xa sele ukulungele ukufaka isicelo, thenga kubabolekisi abakhulu nabancinci kwaye ufumane izibonelelo zemali mboleko ezininzi. Ixabiso lenzala kunye neendleko ziyahluka ukusuka kumbolekisi kuye kumbolekisi, kwaye umahluko omncinci unokongeza kakhulu kubomi bemali mboleko.
Qala ngokuqonda kakuhle uhlahlo lwabiwo-mali. Iindleko zobuninimzi zihlala ngaphezulu kuneendleko zokurenta. Uya kuba noxanduva lwenkcitho entsha, enje ngerhafu yepropathi, i-inshurensi yabanini bamakhaya, kunye nayo yonke isondlo kwikhaya olithengayo.
Abanye abathengi bayakufuna uhlahlo-lwabiwo mali lwemibutho yabanini bamakhaya. Nokuba umbolekisi okanye umrhwebi ukuxelela ukuba unako ukuhlawula intlawulo ethile, kufanele ukuba ibe yeyakho ucocekile. Intlungu yobunzima bezezimali inokuba nkulu, kodwa akukho mntu ukhalazayo ngokuba nemali eninzi inyanga nenyanga.
Iziqulatho
- Imicimbi yeVeterans (VA) mboleko
- Imali evela kwiSebe lezoLimo laseMelika (USDA)
- Ulawulo lweZindlu kuRhulumente (FHA)
- Ungalufumana njani uncedo lokuhlawula?
- Ngaba ufuna imali ukuvala?
- Luthini ululeko mali lwangaphambili lwe-zero ngumbono olungileyo?
- Kukuthini ukungabikho kwemali mboleko kwangaphambili ukuba ingumbono ombi?
- Ungalufumana njani ilungelo lokuBolekisa ngokuBoleka imali mboleko?