Inkqubo ye- amanqaku ekhredithi ngokubanzi ukusuka ku 300 no-850 , kunye nababoleki ngaphakathi kuluhlu oluthile banelungelo lokufumana imali mboleko yezindlu. Ngelixa ungadingi manqaku afanelekileyo angama-850 ukuze ufumane awona manqanaba aphezulu obambiso, kukho iimfuno eziqhelekileyo zamanqaku okuthenga ngetyala oya kuthi uhlangane nawo ukuze ubambise.
- Ubuncinci benqanaba lokuthenga ngetyala oya kulithenga ekhaya liya kwahluka ngokuxhomekeke kumbolekisi kunye nohlobo lwemali mboleko.
- Kwimali mboleko yesiqhelo, uya kudinga amanqaku amanqaku ngetyala ubuncinci angama-620. Kodwa nge-FHA, VA, okanye i-USDA mboleko, unokukwazi ukufumana amanqaku asezantsi.
- Ukulungela ezona mali zibalulekileyo kwimali mboleko, jonga amanqaku amanqaku nge-760 ubuncinci.
Abathengi basekhaya abanomdla kufuneka bajolise kumanqaku okuthenga ngetyala angama-760 okanye ngaphezulu ukuze bazuze awona manqanaba aphezulu emali mboleko.
Nangona kunjalo, ezona mfuno zisezantsi zokulinganiswa kwetyala ziyahluka ngokuxhomekeka kuhlobo lwemali mboleko oyifumanayo kwaye ngubani oyiqinisekisayo. Ukusuka kuluhlu lwethu olungezantsi, iimali mboleko eziqhelekileyo kunye nejumbo azikho kwi-inshurensi zikarhulumente kwaye zihlala zineemfuno eziphezulu zamanqaku etyala xa kuthelekiswa nemali mboleko exhaswa ngurhulumente njengemali mboleko ye-VA.
Ukuba nenqaku eliphezulu letyala kwenza umahluko omkhulu kwimali oyihlawulayo ngexesha lokubolekwa kwemali mboleko. Ababoleki abanamanqaku akoluhlu oluphezulu banako gcina amawaka eedola kwintlawulo yenzala ebomini bobambiso.
Ndifuna imali engakanani ukuthenga indlu?
Ezi zezona mfuno zisezantsi zamanqaku okuthenga ngetyala kwimali mboleko ezahlukeneyo zekhaya, kusetyenziswa uqikelelo lweFICO.
1. Imali mboleko yesiqhelo
Ubuncinci benqaku lokuthenga ngetyala elifunekayo: 620
Imali mboleko yesiqhelo ekhaya ayiqinisekiswanga yiarhente karhulumente, enje ngeSebe laseMelika leMicimbi yezilwanyana okanye iSebe lezoLimo laseMelika, endaweni yoko, ezi mali mboleko zilandela imigangatho ebekwe ziinkampani zemboleko mali yezindlu ngurhulumente, uFannie Mae noFreddie Mac. Imali mboleko yesiqhelo inokuqinisekiswa yenye yezi nkampani okanye umbolekisi wabucala. Le mali-mboleko ifikeleleka ngakumbi kwaye ifuna ubuncinci benqaku lamatyala angama-620. Ixabiso lokuhlawula ezantsi liyahluka.
Imboleko mali yesiqhelo yahlulwe yangumlinganiso ongahambelaniyo nowokungahambelaniyo ngokuxhomekeke ekubeni bayadibana okanye bayayilandela na imigaqo-mboleko esekwe nguFannie Mae noFreddie Mac.Ukuvumelana nemali mboleko kulandela imigangatho esekwe yile mibutho, njengemali mboleko ephezulu, ngelixa iimali mboleko ezingahambelaniyo ingagqitha loo mida kwaye ithathelwe ingqalelo njengemali mboleko enkulu, apho sixoxa ngemfuno zekhredithi koku kulandelayo.
2. Imali mboleko enkulu
Ubuncinci benqaku lokuthenga ngetyala elifunekayo: 680
Imali mboleko enkulu idlula ubuninzi bemali mboleko ebekwe yi-Arhente yezeMali yeZindlu. Le mali-mboleko ayikulungelanga ukukhuselwa nguFannie Mae okanye uFreddie Mac, oko kuthetha ukuba ababolekisi bathatha umngcipheko omkhulu xa usilela ukuhlawula. Ngenxa yemali mboleko enkulu kunye nobungozi bezi mboleko, ababoleki kufuneka bahlangabezane neemfuno eziphezulu zamanqaku okuthenga ngetyala okungenani ama-680.
3. Imali mboleko ye-FHA
Ubuncinci benqaku lokuthenga ngetyala elifunekayo: 500 (nge-10% kwangaphambili) okanye i-580 (nge-3.5% kwangaphambili)
Imali mboleko ye-FHA i-inshurensi yi-Federal Housing Administration kwaye lukhetho kubabolekisi abathathelwa ingqalelo njengomngcipheko ophezulu ngenxa yamanqaku aphantsi etyala kunye nemali encinci yokuhlawula phantsi. Iimfuno zokulinganiswa kwekhredithi ziyahluka ngokuxhomekeke kwisixa semali oceba ukuyifaka. Ababoleki abanamanqaku aphezulu emboleko banokufumana intlawulo esezantsi.
Nalu ulwahlulo:
- Ubuncinci benqaku lamatyala le-500, lifuna ukuhlawulwa nge-10%
- Ubuncinci benqaku letyala le-580, lifuna intlawulo ephantsi ye-3.5%
Gcina ukhumbula ukuba xa usenza intlawulo engaphantsi kwama-20%, ababolekisi banokukucela ukuba uthenge i-Inshurensi yokuBanjiswa kweMboleko-mali ePrayimari (PMI) yokuhlawula iindleko kwimeko yokungahlawuli. I-PMI inokubiza ukusuka kwi-0.5% ukuya ngaphezulu kwe-2% yemali mboleko yakho ngonyaka, kuxhomekeke Amava .
4. VA mboleko
Ubuncinci benqaku lokuthenga ngetyala elifunekayo: Akukho namnye ngokusemthethweni, nangona uninzi lwababolekisi lukhetha ama-620
Imali mboleko ye-VA (Veterans Affairs) i-inshurensi liSebe laseMelika leMicimbi yeVeterans kwaye yenzelwe amalungu afanelekileyo omkhosi kunye nabatshatileyo. Olu hlobo lwemali mboleko aludingi kuhlawulwa phantsi. Kwaye ngelixa i-VA ingaseti iimfuno zamanqaku okuthenga ngetyala, uninzi lwababolekisi luya kufuna ubuncinci benqaku le-620.
5. Imali mboleko ye-USDA
Ubuncinci benqaku lokuthenga ngetyala elifunekayo: Akukho namnye ngokusemthethweni, nangona uninzi lwababolekisi lukhetha ama-640
Imali mboleko ye-USDA i-inshurensi liSebe lezoLimo lase-US kwaye ijolise kubathengi bemivuzo ephantsi ukuya kumodareyitha. Ngokufana nemali mboleko ye-VA, i-USDA ayifuni ntlawulo kwaye ayimiseli ubuncinci bemfuno yamanqaku emboleko. Nangona kunjalo, uninzi lwababolekisi luya kufuna ukuba ababolekisi babe nenqaku lokuthenga ngetyala le-640 okanye ngaphezulu.
Leliphi inqaku elifanelekileyo lokuthenga ikhaya?
Ukuza kuthi ga ngoku sithethe kuphela ngobuncinci benqanaba lokuthenga ngetyala elinokuthi liqwalaselwe ngumboleki-mboleko. Kodwa loluphi uhlobo lwenqaku letyala elinokukufanelekela ngokwamaqondo aphezulu? I-FICO yahlulahlula amanqaku akho etyala kwiindawo ezintlanu:
| Amanqanaba enqaku letyala leFICO |
| Ngaphantsi kwama-580 | Ihlwempuzeke kakhulu |
| 580 ukuya ku-669 | Kulungile |
| 670 ukuya kuma-739 | Kulungile |
| 740 ukuya ku-799 | Kulunge kakhulu |
| 800 nangaphezulu | Ikhethekileyo |
Ukuzama ukufumana amanqaku akho etyala kuluhlu oluLungileyo (670 ukuya ku-739) kuya kuba sisiqalo esihle ekufanelekeni ukubambisa ngempahla. Kodwa ukuba ufuna ukufumana amaxabiso asezantsi, zama ukufumana amanqaku akho kuluhlu oluLunge kakhulu (740 ukuya ku-799).
Kubalulekile ukuba uqaphele ukuba amanqaku akho etyala ayisiyiyo kuphela into ebanjiswa ngababolekisi ngexesha lenkqubo yokubhala. Nokuba unamanqaku aphezulu, ukungabikho kwengeniso okanye imbali yomsebenzi, okanye umlinganiselo ophakamileyo wemali-mboleko unokukhokelela kwimali mboleko engahlawulwanga.
Amanqaku okuthenga ngetyala ayichaphazela njani iRhafu yoTyalo-mali
Amanqaku akho etyala anokuba nefuthe elikhulu kwiindleko ezipheleleyo zemali mboleko yakho. Yonke imihla, I-FICO ipapasha idatha bonisa ukuba amanqaku akho etyala angalichaphazela njani inqanaba lenzala kunye nentlawulo. Apha ngezantsi kukho isifinyezo seendleko zenyanga ze- $ 200,000 yeminyaka engama-30 yereyithi ebekiweyo ngoJanuwari 2021:
| Amanqaku etyala | APR | Intlawulo yenyanga |
| 760-850 | 2,302% | $ 770 |
| 700-759 | 2.524% | $ 793 |
| 680-699 | 2.701% | $ 811 |
| 660-679 | 2,915% | $ 834 |
| 640-659 | 3.345% | $ 881 |
| 620-639 | 3.891% | $ 942 |
Nguwo umahluko wenzala ongaphezulu kwe-1.5% kunye nomehluko we-172 weedola kwintlawulo yenyanga ukusuka kumanqaku amanqaku ngetyala angama-620-639 ukuya ku-760+ kuluhlu.
Lo mahluko ungongeza ngokuhamba kwexesha. NgokweCandelo loKhuseleko lwezeMali zabaThengi (i-CFPB) , ikhaya elingama-200,000 eerandi elinenzala ye-4.00% lixabisa i-61,670 yeedola ngaphezulu kweminyaka engama-30 kunokubambisa ngento enenzala ye-2.25%.
Uyiphucula njani inqaku lakho letyala ngaphambi kokuthenga ikhaya
Inyathelo lokuqala lokuphucula amanqaku akho kukufumanisa ukuba uphi. Ungayijonga ingxelo yakho yamatyala yasimahla kube kanye kwiinyanga ezili-12 ngamaziko amathathu aphambili okuthenga ngetyala (iTransUnion, i-Equifax, kunye ne-Experian) e Ngxelo yonyaka.com .
Ukuba ufumana iimpazamo kuyo nayiphi na ingxelo yakho, unokuphikisana nayo nge-bureau yezemali, kunye nombolekisi okanye inkampani yekhadi letyala. Xa kufikwa kumanqaku akho etyala, ibhanki yakho okanye umniki wekhadi letyala unokubonelela ngamanqaku akho simahla. Ngaphandle koko, unokusebenzisa isixhobo sokujonga amanqaku simahla njengeKhredithi Karma okanye Ityala lesame .
Yintoni onokuyenza xa ufumanisa ukuba amanqaku akho afuna uthando? Olunye uluvo iya kuba kukuhlawula ibhalansi yekhadi lakho letyala ukunciphisa izinga lokusetyenziswa kwetyala lakho. Kwakhona, kunqande ukufaka isicelo seendlela ezintsha zetyala kwiinyanga ezikhokelela ekufakeni isicelo sobambiso.
Kwaye, okona kubaluleke kakhulu, hlawula amatyala akho ngexesha kwinyanga nganye. Imbali yakho yokuhlawula yeyona nto iphambili kumanqaku akho etyala. Ukwakha imbali ehambelanayo yokuhlawulwa ngexesha kuya kuhlala kuyindlela eqinisekileyo yokuphucula amanqaku akho.
Iziqulatho
- Ndifuna imali engakanani ukuthenga indlu?
- 1. Imali mboleko yesiqhelo
- 2. Imali mboleko enkulu
- 3. Imali mboleko yeFHA
- 4. VA mboleko
- 5. Imali mboleko ye-USDA
- Leliphi inqaku elifanelekileyo lokuthenga ikhaya?
- Amanqaku okuthenga ngetyala ayichaphazela njani iRhafu yoTyalo-mali
- Uyiphucula njani inqaku lakho letyala ngaphambi kokuthenga ikhaya