Kuthatha ntoni ukuthenga indlu?
Yintoni endiyifunayo ukuthenga indlu eMelika? . Ukuqokelela iphepha kunye namaxwebhu oza kuyidinga ukuthenga ikhaya yinto entle yokuhamba, kwaye ayingomsebenzi omninzi njengoko unokulindela, ngakumbi xa uyazi ukuba uza kuyidinga ntoni. Uya kuba nexesha elilula kwi-mortgage yakho ngexesha loxinzelelo, kwaye oko kungahamba indlela ende ekukufumaneni kunyawo lwasekunene, ngakumbi kubathengi bokuqala bekhaya.
Thenga imali mboleko
Thelekisa imali mboleko efanayo omnye komnye ngaphambi kokuba uqale. Cela isicatshulwa kumbolekisi ngamnye; Bayacelwa ukuba bakunike ngokwemigangatho Trid ukuhambelana namanye amagama .
Unokuthelekisa iindleko zohlobo ngalunye lwemali mboleko yekhaya. Iindleko zokuvala zomthengi wakho ziya kubandakanya inqaku lemali mboleko okanye ezimbini. Buza imibuzo ukuba awuqondi uqikelelo lokuvala.
Ngaphambi kokuba uthethe nomntu obolekayo
Lixesha lokuba uqokelele amaxwebhu.
Fumana ikopi yengxelo yakho yamatyala kwaye uyivavanye . Unelungelo lokufumana ingxelo yasimahla nganye kwii-arhente ezintathu zokunika ingxelo ngonyaka. Nxibelelana nomboleki-mali ukuyilungisa ukuba ufumana impazamo. Lumkela nabuphi na ubugwenxa. Amanqaku akho NDINGU Iyakuchaphazeleka kakubi ukuba uhlawule kakhulu emva kwexesha.
Ngokwesiqhelo unokufumana imali mboleko ye-FHA nokuba unamanqaku aphantsi etyala. Imali mboleko ye-FHA ikwafuna ezantsi iintlawulo ze-2.85% yexabiso lokuthengisa.
Ukufaneleka kuMbolekisi
Abanye ababolekisi banokufuna ukubona amaxwebhu okuxhasa nayiphi na imali mboleko onayo ngoku. Oku kuyabanceda ukuba babone umyinge kumvuzo wakho kwityala, into ebalulekileyo kwinkqubo yolwamkelo lobambiso.
Cinga ngamakhadi etyala, iintlawulo zemoto kunye nemali mboleko yomfundi. Iingxelo zakho zamva nje kufuneka zanele ukuba zibandakanya ibhalansi engekahlawulwa kwaye Iintlawulo zakho zanyanga zonke, kwaye kufuneka zibonise iinombolo zeakhawunti, kunye namagama abo batyalwayo.
Umbolekisi uya kuqinisekisa ingqesho yakho ukuze aqalise ukuqhuba ngemalimboleko yakho . Oku kuhlala kwenziwa ngokubathumela ifomu yokuqinisekisa ingqesho , ke cebisa umqeshi wakho ukuba alinde esi sicelo solwazi. Cela isebe le-HR okanye umphathi wakho ukuba athumele amaxwebhu aceliweyo ngokukhawuleza.
Uvavanyo lokungena
Umbolekisi naye uyakufuna amaxwebhu kuwe axhasa umvuzo wakho, kubandakanya nemivuzo yangoku. Iimbini zakho zokugqibela kufuneka zanele. Yenza iikopi. Sukuyidlulisela eyokuqala.
Ababolekisi baya kufuna ngokubanzi iifayile ze- Iminyaka emibini yokugqibela yeefom ze-W-2 yakho kunye neqabane lakho ukuba utshatile. Lo ngumvuzo wakho kunye nokubuya kwerhafu, okhutshwe ngumqeshi wakho kunyaka ngamnye wekhalenda, kwaye ibandakanya lonke ulwazi malunga nomvuzo wakho, izibonelelo ezihlawulelwa irhafu, kunye neerhafu ebezibanjiwe kumvuzo wakho.
Ukuba awukayifaki ingxelo yakho yerhafu yonyaka ophelileyo, fumana imbuyekezo yakho kule minyaka mibini idlulileyo. Yenza iikopi kwaye uqiniseke ukuba ubandakanya onke amaxesha.
Qinisekisa ukuba imbuyekezo yerhafu ityikityiwe nguwe nomhla.
Abanye ababolekisi baya kufuna iinyanga ezimbini zeengxelo zebhanki , ngelixa abanye bacela ezintathu. Yenza ikopi yeziko ngalinye kwaye ubandakanye iphepha ngalinye, namaphepha angenanto.
Yenza ikopi yesiteyitimenti ngasinye ukuba unezitokhwe, iibhondi, imali kunye, okanye iiakhawunti zomhlala-phantsi. Ababolekisi ngamanye amaxesha bakhetha iikopi ezishicilelweyo kunezo unokuziprinta kwi-Intanethi, kodwa baya kuzamkela izitetimenti kwi-Intanethi ukuba le yindlela ozifumana ngayo iingxelo zakho. Yenza iikopi. Sukuthumela eyokuqala .
Uya kudinga uhlobo oluthile lwenkcazo yenzuzo kunye nelahleko ukuba uqeshwe ngokwakho, kunye nembuyekezo yerhafu yomdibaniselwano yeminyaka emibini ukuba uneshishini elibandakanyiweyo.
Unokuzisa iphepha-mvume lakho lokuchonga kunye nokuzala kwakhona ukuba udibana nombolekisi ngobuqu. Ngaphandle koko, khuphela ilayisensi yakho kwiskena okanye kwikopi kwaye uyifake. Ilayisensi yakho kufuneka ibandakanye nefoto yakho.
Idiphozithi yakho yemali
Ngokuqinisekileyo kuya kufuneka jonga ukuba ivelaphi le mali . Ukuba sisipho esivela kusapho okanye kubahlobo, uyakufuna ingxelo kubo bonke abo baqinisekisa isixa kwaye akulindelekile ukuba usihlawule. Ngamanye amagama, ayisiyo mboleko ukuba ibandakanywe kwireyithi yakho yengeniso.
Kuya kubonakala kwizitetimenti zakho zebhanki ukuba ngaba uyigcinile ngenkuthalo imali okanye uthengise enye i-asethi ukuze unyuse imali leyo, kwaye sele uzinikile iikopi zazo.
Buza malunga neendleko zokuqalisa
Ababolekisi abaninzi baya kucela umrhumo ukuze bafumane ikopi yengxelo yakho yamatyala, kodwa abanye abayenzi. Uvavanyo kunye nemirhumo yokunika ingxelo ngetyala ihlawulwa ngokubanzi xa ukulungele ukwamkela imali mboleko, hayi xa ulungele.
Sukuhlawula nayiphi na intlawulo kumbolekisi de ukhethe ukusebenzisa loo mntu ubolekisayo.
Amaxwebhu eleta yakho yokuvunywa kwangaphambili
Uhlobo lweemfuno zamaphepha oluya kuzifuna luya kuxhomekeka apho ukuyo kwinkqubo yokuthenga ekhaya. Ukuba awukavunyelwa ukubambisa okanye ukuxhasa ngemali, amaxwebhu owafunayo ngelo xesha anokwahluka kakhulu kwizinto zokwenene zentengiso.
Fumana eyakho ileta yokuvunywa kwangaphambili lelinye lamanyathelo okuqala kwinkqubo yokuthenga indlu. Iziko lakho lezemali liya kufuna ulwazi olubanzi malunga nesazisi sakho kunye nemali ukufumana le leta. Ileta yokuvunywa kwangaphambili ikunika imvume yokuqala yesixa esiqingqiweyo semali yezemali ekhayeni lakho.
Ukufumana ileta yokuvunywa kwangaphambili kuya kukunika umbono ongcono wokuba loluphi uhlobo lwentlawulo yokubambisa onokuyifumana kunye nokuba ingakanani imali onokuyifumana. Ngokuqinisekileyo ungaqala inkqubo yokukhangela ekhaya ngaphandle kweleta, kodwa abathengisi abanokubakho baya kucinga ukuba ungumthengi onobuzaza ukuba sele unayo ileta yakho yokuvunywa kwangaphambili.
Imizekelo yamaxwebhu ayimfuneko ukufumana ileta yokuvunywa kwangaphambili iya kubandakanya:
- Iikopi zeentlawulo zangoku zokuhlawula ubuncinci amaxesha amabini okugqibela okuhlawula;
- W-2 ulwazi kunyaka wokugqibela wekhalenda;
- iikopi zembuyekezo yakho yerhafu, kubandakanya zonke iishedyuli;
- iingxelo zebhanki kwiinyanga ezimbini ukuya kwezintathu ezidlulileyo;
- Iingxelo zeeasethi (izitokhwe, iibhondi, iiakhawunti zomhlala phantsi, njl. kwaye
- Ikopi yelayisensi yakho yokuqhuba yangoku.
Unokufuna ulwazi olongezelelekileyo, oluya kwahluka ngokuxhomekeke kwimeko yakho yezemali. Umzekelo, emva kokuhlalutya ngononophelo iirekhodi zebhanki yakho, umbolekisi wakho angacela iinkcukacha ezithe kratya malunga nendlela esetyenziswe ngayo imali okanye inkcazo yezinto ezinkulu ezithengiweyo.
Amaxwebhu ekunikezelweni / kwinkqubo yokwamkelwa
Kuya kufuneka ubhale isithembiso ngokusemthethweni ukuze uqalise inkqubo yothethathethwano. Isindululo siya kubandakanya ulwazi olubalulekileyo, olufana:
- ixabiso lokuthenga lilonke,
- Imali yokuqala ngokuthembekileyo ukuhamba nesithembiso,
- liza kuhlawulwa njani ixabiso eliseleyo lokuthenga
- iinkcukacha malunga nokuvalwa kunye nokugcinwa, kwaye
- naziphi na iimeko ezingxamisekileyo (njengokufumana imali eyoneleyo okanye ukuthengisa elinye ikhaya).
YAMKELA OKANYE YALA
Umthengisi uya kuphendula ngokwamkelwa okanye ukwaliwa kwesithembiso sakho. Ukuba bayala isithembiso sakho, banokubonelela ngesithembiso sokubala. Nokuba uphendula njani umthengisi, kufuneka benze njalo ngokubhaliweyo.
Uxwebhu olusetyenziselwa ukuhambisa umnikelo kunye nokwamkelwa kuhlala kubhekiswa kuso njengesivumelwano sokuthenga. Inayo yonke imiqathango eyimfuneko yentengiso kunye nezinto ezithengiswayo.
Amaxwebhu ayafuneka ukugqibezela ukuthengisa
Nje ukuba wenze isithembiso ekhayeni kwaye samkelwe, uya kufumana ulwazi olongezelelekileyo malunga nekhaya. Olu lwazi lungakhokelela kuthethathethwano lwamaxabiso okanye lunokudimaza ekubeni uthenge ngokupheleleyo. La maxwebhu alandelayo ayafuneka ukugqibezela ukuthengisa.
- Isiteyitimenti sokubhengeza somthengisi: Elinye lala maxwebhu yi ingxelo yokuxela ye umthengisi . Le ngxelo ibonelela ngesishwankathelo solwazi lomthengisi ngepropathi. Iya kubandakanya ulwazi malunga nomsebenzi wangaphambili owenziwe ekhaya, iindawo ezinokuba nengxaki, kunye nolunye uhlaziyo okanye ulwakhiwo olwenziwe ekhaya. Yenzelwe ukunika lonke ulwazi malunga nekhaya elinokuchaphazela kakubi ixabiso, ukusetyenziswa, okanye ukonwaba kwepropathi. Ukuchazwa okufunwayo ngumthengisi kuya kwahluka ngokwamazwe, kodwa kuhlala kukho ifom ekufuneka uyisebenzisile njengenxalenye yenkqubo yentengiso. Ngokubanzi, le fomu iya kuba luthotho lwemibuzo ka-ewe / hayi enegumbi leenkcazo ezivela kumthengisi.
- Ingxelo yohlolo lwasekhaya. Nangona kungeyomfuneko kwezobuchwephesha, licebo elihle ukuqhuba uhlolo lwasekhaya kwipropathi. Umhloli wasekhaya uya kwenza uvavanyo olubonakalayo lwazo zonke izinto ezibalulekileyo ekhaya, kubandakanya izinto ezinexabiso eliphezulu njengesiseko, iinkqubo zombane, kunye nemibhobho yamanzi. Izixhobo ezinkulu ezifana nesixhobo sokupholisa umoya, isifudumezi samanzi, kunye ne-oveni nazo ziya kuhlolwa. Umhloli uya kunika ingxelo ngemeko yendlu. Ingxelo iya kugxininisa iindawo ezinengxaki ezinokukhathaza. Ukuba iingxaki zincinci, ingxelo inokusebenza njengoluhlu lwezinto ekufuneka zenziwe kwiiprojekthi ezincinci ezantsi kwendlela. Ingxelo ingacebisa ngemisebenzi yolondolozo rhoqo enokuba luncedo kakhulu kumthengi wokuqala wekhaya. Ukuhlolwa kwendlu kunokubonelela ngolwazi olongezelelekileyo onokulisebenzisa ukuphinda uxoxe ngexabiso lekhaya lakho. Unokwazi ukwehlisa ixabiso ukuba ungabonisa umthengisi ukuba kuya kufuneka ulungise kakhulu. Unokucela umthengisi ukuba enze ezinye zezi zilungiso ngaphambi kokuba uthenge indlu.
- Uvavanyo lwe izitshabalalisi : i Izinambuzane ezinjengeempuku, amalulwane, kunye neentubi kunokubangela iingxaki zempilo kwaye kungabeka engozini ingqibelelo yekhaya. Kwakhona, ngelixa kungafuneki ngokubanzi kubuchwephesha, licebo elihle ukwenza uvavanyo lwezinambuzane kwikhaya lakho elitsha. Ukuba kukho iingxaki, ungasebenzisa ulwazi njengesixhobo sokuthetha-thethana okanye ucele ukuba umthengisi ajongane nazo naziphi na iingxaki okanye umonakalo wezonakalisi ngaphambi kokuba kwenziwe intengiso.
Amaxwebhu ayimfuneko kugqithiso lwezindlu
Nje ukuba uthathe isigqibo kwikhaya elinokubakho kwaye umthengisi wabelane ngolwazi olongezelelekileyo malunga nekhaya, uya kuqala ukubona amaxwebhu amaninzi angaqhelekanga ukugqibezela ukuthenga. Uninzi lwala maxwebhu luya kulungiswa kwaye luphononongwe ngumthengisi kwaye luthunyelwe kuwe.
Nangona amaxwebhu obambiso kunye nokuhanjiswa kwepropathi yokwenyani kuhlala kufakwa kunye, ziyinkqubo zomthetho ezimbini ezahlukeneyo. Ukutshintshwa kobunini kuya kufuna la maxwebhu alandelayo:
- Ukubhala: Itayitile ihambisa ubunini ngokusemthethweni isuka kumthengisi iye kumthengi. Unokukhetha uhlobo lwepropathi oyithathayo, kubandakanywa ngokukodwa, kwi-trust, kubanini ngokudibeneyo, okanye ezinye iindlela zobunini. Xa umsebenzi ugqityiwe, uya kugcwaliswa kunye neRekhodi yeNqila ukuze idibaniswe ngokufanelekileyo kwikhonkco lesihloko sale propati. Kukho iintlobo ezininzi zezenzo onokuzisebenzisa. Uhlobo ngalunye lwetayitile luneziqinisekiso ezahlukileyo ngokubhekisele kwisihloko esiqhotyoshelweyo. Umzekelo, itayitile yokhuseleko ngokubanzi yeyona ndlela ixhaphakileyo yokuhambisa ipropathi. Iqinisekisa ukuba umthengisi unesihloko esicacileyo kwipropathi kwaye unegunya okanye ilungelo lokuthengisa ipropathi. Ezinye iintlobo zamatayitile, kubandakanya nezokuyeka, zinika ukhuselo oluncinci ukuba isihloko sepropathi sikhona.
- Ibhili yentengiso: Ukuba ikhaya liyathengiswa ngezinto ezizezakho, ezinje ngezixhobo zomoya, izixhobo zombane, okanye izixhobo ezikhanyisayo, kusenokufuneka usebenzise imali oyithengisayo. Olu xwebhu luza kuseka ukuba yeyiphi na ipropathi ebandakanyiweyo kwintengiselwano ngaphandle kwezindlu.
- Ingxelo efungelweyo yomthengisi okanye isiqinisekiso setayitile: Igama lolu xwebhu luya kwahluka ngokwamazwe. Nangona kunjalo, yingxelo efungelweyo evela kumthengisi eqinisekisa ubunini bepropathi. Ikwachaza nakuphi na ukusilela kwesihloko, kubandakanya nakuphi na ukuqeshisa, ii-liens, okanye iimpikiswano ezinokubakho ezinokuchaphazela isihloko. Ngokungafaniyo nokuvezwa komthengisi, olu xwebhu lujolise ngakumbi kwisihloko kunakwimeko yekhaya ngokwalo. Ngenxa yokuba isihloko kwipropathi sibaluleke kakhulu, uninzi lwamazwe lubonelela ngenketho yokufumana i-inshurensi yesihloko. I-inshurensi yesihloko iyakukhusela ukuba kukho naziphi na iingxaki okanye iziphene ezinesihloko esivelayo emva kokuba kugqityiwe ukuthengiswa kwezindlu. Ukuba umthengisi uphela ngaphandle kwesihloko esicacileyo kwipropati, ukuthengiswa konke kungabikho. I-inshurensi yesihloko ikukhusela kwilahleko enokwenzeka enxulumene neziphene kwisihloko,
- Ukugqithisela iingxelo zerhafu: Nangona olu xwebhu alufunwa kuwo onke amazwe, ezinye iindawo okanye imimandla ifuna ukuba umthengi kunye nomthengisi baxele ixabiso lokuthenga kwekhaya kuxwebhu olusemthethweni. Oku kuvumela ugunyaziwe werhafu ukubala irhafu yokuthengisa okanye enye irhafu echaphazelekayo kwixabiso lentengiso.
Amaxwebhu obambiso obambiso
Ukuba ufumana nokubambisa ngendlu, kuyakufuneka ugcwalise amanye amaxwebhu. Ngokungafaniyo namaxwebhu okuthengisa, amaxwebhu obambiso asichaphazela kuphela kunye neziko lakho lezemali.
- Inqaku: Inqaku lakho yinkcazo yetyala olibamba umboleki. Beka imiqathango yemali-mboleko kunye nendlela oza kuyibuyisa ngayo imali-mboleko. Ikwaquka ulwazi ngenqanaba elifanelekileyo lenzala kunye nokuba uza kuhlawula ixesha elingakanani.
- Ubambiso: Ubambiso luxwebhu oludibanisa inqaku kwisibambiso sakho-ikhaya lakho elitsha. Ibonisa ukuba inowuthi ayihlawulwanga, ukhuseleko lunokuhonjiswa (okanye lubanjwe) luze luthengiswe ukuze kuhlawulwe uxanduva olungekenziwa oluhambelana nenqaku.
- Isicelo semali mboleko: Isicelo sakho semali mboleko sikunika lonke ulwazi olunike umbolekisi. Bacela nje ukuba uphonononge isishwankathelo solwazi kwaye uqinisekise ukuba ichanekile.
- Uqikelelo lweMali-mboleko kunye nokuTyhila okuValiweyo: Olu xwebhu lubonelela ngolwazi oluluncedo malunga nemali mboleko yakho. Ulwazi lushwankathelwe ukuze ube nalo lonke ulwazi olubalulekileyo malunga nemali mboleko yakho kwindawo enye. Yenzelwe ukunceda abathengi bawaqonde ngcono amalungelo abo kunye nezibophelelo zabo phantsi kwesivumelwano.
Iziqulatho
- Kuthatha ntoni ukuthenga indlu?
- Thenga imali mboleko
- Ngaphambi kokuba uthethe nomntu obolekayo
- Ukufaneleka kuMbolekisi
- Uvavanyo lokungena
- Idiphozithi yakho yemali
- Buza malunga neendleko zokuqalisa
- Amaxwebhu eleta yakho yokuvunywa kwangaphambili
- Amaxwebhu ekunikezelweni / kwinkqubo yokwamkelwa
- YAMKELA OKANYE YALA
- Amaxwebhu ayafuneka ukugqibezela ukuthengisa
- Amaxwebhu ayimfuneko kugqithiso lwezindlu
- Amaxwebhu obambiso obambiso