Iimfuneko zokuthenga indlu eCarlifonia. Ngaba ulungiselela ukuthenga ikhaya lakho lokuqala eCarlifonia? Indlela eya kubuninikhaya inokuba luhambo olunomdla, kodwa inokuba yinto enzima kakhulu. Ngethamsanqa, zininzi iinkqubo kunye neengcebiso ezenzelwe ukunceda. Siza kukuhamba ngezinye zazo.
Iinkqubo zokuthenga ekhaya zaseCalifornia zokuQala
Unokucinga ukuba ngenxa yokuba uhlala eGolden State, kuyakufuneka ugcine amashumi amawaka ngentlawulo ephantsi kwaye unamatyala asondeleyo afanelekileyo ukuze ufaneleke kwimali mboleko yendlu.
Ngethamsanqa, akusoloko kunjalo. Ezi arhente zezezimali zezezindlu zaseCalifornia okokuqala ezinikwa abathengi ziyilelwe ukukunceda uthenge ikhaya, nokuba imeko yakho yezezimali okanye yetyala.
1. Inkqubo yeCalHFA yesiQhelo yeMali-mboleko
Ngokabani Abathengi abanemali encinci yokuhlawula ezantsi.
Inkqubo yeCalHFA yesiqhelo yeMali mboleko yenzelwe ukunceda abathengi bekhaya lokuqala baseCalifornia bafumane imali mboleko eqhelekileyo ngentlawulo ephantsi. Imali mboleko yesiqhelo yimali mboleko yendlu enikezelwa ngeebhanki kunye nemibutho yabathengi.
Imali mboleko eqhelekileyo yeCalHFA yimali mboleko yexesha leminyaka engama-30, oko kuthetha ukuba ababoleki baya kwenza iintlawulo zemali mboleko kwiminyaka engama-30 iyonke. Ababoleki bemivuzo ephantsi banokulungela ukufumana inzala engaphantsi kunentengiso ukuba basebenzisa iCalHFA ukufumana imali mboleko yesiqhelo.
ICalHFA iya kukunceda fumana umbolekisi ofanelekileyo ukwenza olu hlobo lwemali mboleko.
Iimfuno zibandakanya:
- Amanqaku amancinci etyala angama-660. Ababoleki abafumana imivuzo ephantsi banokufanelekela ukufumana le mali-mboleko ngamanqaku asezantsi angama-660. Ukuqwalaselwa njengomvuzo ophantsi, kufuneka ube nengeniso engaphantsi okanye elingana nama-80% Indawo kaFannie Mae yeNgeniso yeMedian yengingqi yakho. Ukuba urhola ngaphezulu koku, Uya kudinga amanqaku ekhredithi ubuncinci angama-680 .
- Iipesenti ezingama-43 okanye umlinganiselo ophantsi wokufumana ityala. Oku kubhekisa kwimalini oyihlawulayo ematyaleni okanye kwityala lahlulwe malini owamkelayo ngaphambi kwerhafu inyanga nenyanga. Masithi ityala lakho li- $ 2,000 ngenyanga kwaye ufumana i-6,000 yeedola ngenyanga. Umlinganiselo we-DTI uza kuba yi- $ 2,000 / $ 6,000 = .33, okanye i-33%.
- Ingeniso ayinakho ukugqitha kwimida yengeniso yaseCalifornia. Jonga imida yakho yommandla Ukuqinisekisa ukuba umvuzo wakho awugqithi kuwo.
- Ubume bokuqala bomthengi ekhaya. Awunakulunga ukuba le ayisiyo mboleko yakho yokuqala.
- Ukugqitywa kwekhosi yemfundo yabathengi ekhaya. Unokufumana iikhosi ezicetyiswayo kwifayile ye- Kwiwebhusayithi yeCalHFA .
Kuya kufuneka ukuba uhlangane neemfuno ezithile zombolekisi. Iimali-mboleko zasekhaya zeCalHFA zihlala zikhetha ukuhlawula ezantsi njenge-3% yexabiso lekhaya lakho. Masithi imali mboleko yakho yasekhaya iyi- $ 200,000, umzekelo. Uya kufuna kuphela ukuhlawula phantsi kwe- $ 6,000.
Amaxabiso obambiso kule nkqubo ahlala engaphantsi kwenqanaba lentengiso, kodwa aqhelekileyo aphezulu kunamaxabiso enkqubo yemali mboleko exhaswa ngurhulumente.
2. Inkqubo yeCalPLUS yeMali mboleko yesiqhelo
Ngokabani Abathengi abafuna uncedo lokufumana imali yokuvala iindleko.
Imali mboleko yesiqhelo yeCalPLUS iza nazo zonke iimpawu zeNkqubo yeCalHFA yesiqhelo kunye nesibonelelo esongeziweyo sokukwazi ukuxhasa iindleko zakho zokuvala ngemali mboleko engenzala.
Isebenza kanjani lento? Iimali-mboleko zeCalPLUS zinikezelwa ngokudibeneyo neNkqubo yeZero yeNzala yeCalHFA (ZIP). Ababoleki banokuhlawula iindleko zabo zokuvala besebenzisa i-ZIP, ebanika imali-mboleko elingana ne-2% okanye i-3% yemali-mboleko.
Le mali mboleko ye-ZIP ine-0% yenqanaba lenzala kwaye iintlawulo zimiselwe ubomi bemali mboleko yakho yekhaya. Oku kuthetha ukuba awuzukuhlawula imali mboleko de uthengise, uphinde uphinde uhlawule imali mboleko.
Ukufumana uncedo ngoncedo lokuvala iindleko, ababoleki beCalPLUS baya kuhlawula inzala ephezulu kancinci kunabanye ababoleki bemali mboleko yeCalHFA.
Iimfuno zibandakanya:
- Ubuncinci benqaku lokuthenga ngetyala le-660 kubaboleki bemivuzo ephantsi, ubuncinci be-680 kwabo bangahlangabezani neemfuno zemivuzo ephantsi.
- Umyinge we-DTI wama-43% okanye ngaphantsi.
- Ingeniso ayinakho ukugqitha kwimida yengeniso yaseCalifornia. Jonga imida yakho yommandla Ukuqinisekisa ukuba umvuzo wakho awugqithi kuwo.
- Ubume bokuqala bomthengi ekhaya.
- Ukugqitywa kwekhosi yemfundo yabathengi ekhaya. Unokufumana iikhosi ezicetyiswayo kwifayile ye- Kwiwebhusayithi yeCalHFA .
Iimali-mboleko zeCalPLUS zingasetyenziswa kunye nenkqubo yeCalHFA's MyHome yokufumana uncedo olusezantsi lokuhlawula; Skrolela ezantsi ukuze ubone icandelo lethu kwi-MyHome.
3. Inkqubo yeMali mboleko yeCalHFA FHA
Ngokabani Abathengi abafuna amaxabiso obambiso asezantsi.
Inkqubo yemali mboleko yeCalHFA FHA yimali mboleko yokuthenga indlu okokuqala ngqa exhaswa yi-US Federal Housing Administration. Ngenxa yoko, ezi mboleko zihlala zinamazinga enzala asezantsi kunemali mboleko yesiqhelo. Ezi mboleko zikwavumela ababolekisi ukuba bafake imali encinci njenge-3.5%.
Imali mboleko yeCalHFA FHA yimali mboleko emiselweyo yeminyaka engama-30 kwaye inikezelwa ikakhulu kubabolekisi abakhulu baseCalifornia.
Iimfuno zibandakanya:
- Ubuncinci benqaku lamatyala elingu-660.
- Umyinge we-DTI wama-43% okanye ngaphantsi.
- Ingeniso ayinakho ukugqitha kwimida yengeniso yaseCalifornia. Jonga imida yakho yommandla Ukuqinisekisa ukuba umvuzo wakho awugqithi kuwo.
- Ubume bokuqala bomthengi ekhaya.
- Ukugqitywa kwekhosi yemfundo yabathengi ekhaya. Unokufumana iikhosi ezicetyiswayo kwifayile ye- Kwiwebhusayithi yeCalHFA .
- Iimfuno ezongezelelweyo ze-FHA. I-FHA inengeniso yayo kunye neenkcukacha zepropathi ekufuneka uhlangabezane nazo ukuze ufaneleke.
4. Inkqubo yemali mboleko yeCalPLUS FHA
Ngokabani Ababolekisi be-FHA abafuna uncedo lokufumana imali yokuvala iindleko.
Iimali-mboleko zeCalPLUS FHA zibandakanya amanqaku afanayo nemali mboleko yeCalHFA FHA, kodwa ngesibonelelo esongeziweyo sokukwazi ukusebenzisa i-ZIP ukunceda ukuhlawula iindleko zakho zokuvala, njengemali mboleko eqhelekileyo yeCalPLUS.
Khumbula ukuba iimali-mboleko ze-ZIP zinikezelwa nge-2% okanye i-3% yemali mboleko iyonke kwaye unama-0% enzala kwintlawulo emiselweyo yobomi bemali mboleko yakho yobambiso.
Nangona kunjalo, uya kuba nenqanaba eliphezulu lenzala mboleko mboleko kwezi mboleko.
I-ZIP inokudityaniswa nenkqubo ye-MyHome kwezi mboleko, ke abo babolekayo banokufumana uncedo ngentlawulo yabo ephantsi.
Iimfuno zibandakanya:
- Ubuncinci benqaku lamatyala elingu-660.
- Umyinge we-DTI wama-43% okanye ngaphantsi.
- Ingeniso ayinakho ukugqitha kwimida yengeniso yaseCalifornia. Jonga imida ye yayo isithili Ukuqinisekisa ukuba umvuzo wakho awugqithi kuwo.
- Ubume bokuqala bomthengi ekhaya.
- Ukugqitywa kwekhosi yemfundo yabathengi ekhaya. Unokufumana iikhosi ezicetyiswayo kwifayile ye- Kwiwebhusayithi yeCalHFA .
- Iimfuno ezongezelelweyo ze-FHA. I-FHA inengeniso yayo kunye neenkcukacha zepropathi ekufuneka uhlangabezane nazo ukuze ufaneleke.
5. Inkqubo yeMali mboleko yeCalHFA VA
Ngokabani Amagqala aseCalifornia, amajoni akhoyo ngoku, okanye amaqabane afanelekileyo asindileyo.
Imali mboleko yeCalHFA VA yenzelwe ukunceda amalungu akhoyo ngoku okanye angaphambili emkhosini ukuba afumane inkxaso mali kumakhaya abo. Le mali mboleko yekhaya ixhaswa liSebe leMicimbi yeVeterans kwaye ihlala inamaxabiso aphantsi kunentengiso yemarike, ayifuni kuhlawulwa, kwaye yimali mboleko emiselweyo yeminyaka engama-30.
Iimfuno zibandakanya:
- Igqala okanye ilungu lomkhosi elisebenzayo ngoku, okanye iqabane elisindileyo elifanelekileyo. Unokufumana ulwazi ngakumbi malunga nokufaneleka kwiwebhusayithi ye-VA .
- Ubuncinci benqaku lamatyala elingu-660.
- Umyinge wamatyala ukuya kumvuzo we-43% okanye ngaphantsi.
- Ingeniso ayinakho ukugqitha kwimida yengeniso yaseCalifornia. Jonga imida yakho yommandla Ukuqinisekisa ukuba umvuzo wakho awugqithi kuwo.
- Ukugqitywa kwekhosi yemfundo yabathengi ekhaya. Unokufumana iikhosi ezicetyiswayo kwifayile ye- Kwiwebhusayithi yeCalHFA .
- Ikhomishini yezemali. Uninzi lwababolekisi bemali mboleko kufuneka bahlawule imali, eyipesenti encinci yemali mboleko. Nangona kunjalo, ungasebenzisa inkqubo ye-MyHome ukunceda ukuhlawula iindleko kunye nezinye iindleko zokuvala.
ICalHFA inokukunceda ufumane oyena mntu ubolekisayo nge VA mboleko .
6. Inkqubo yeMali mboleko yeCalHFA USDA
Ngokabani Abathengi bathenga ikhaya kwindawo esemaphandleni yaseburhulumenteni.
Inkqubo yemali mboleko yeCalHFA USDA ilungele nawuphi na umthengi wokuqala wekhaya ofuna ukuthenga ikhaya ngaphandle kweedolophu ezinkulu eCalifornia. Le mali mboleko yezindlu ixhaswa liSebe lezoLimo laseMelika kwaye inezibonelelo ezininzi, kubandakanya ne-100% yezinketho zemali (akukho mfuneko yokuhlawula). Imali mboleko yeCalHFA USDA yimali mboleko emiselweyo yeminyaka engama-30.
Iimfuno zibandakanya:
- Ipropathi kwindawo esemaphandleni. Nxibelelana CalFHA ukumisela ukuba indawo ethile apho ufuna ukuthenga khona iyafaneleka.
- Ubuncinci benqaku lamatyala elingu-660.
- Umyinge wamatyala ukuya kumvuzo we-43% okanye ngaphantsi.
- Ingeniso ayinakho ukugqitha kwimida yengeniso ye-USDA yommandla. Imida yengeniso ye-USDA Zahlukile kwezo zaseCalifornia, ke kubalulekile ukuba uqiniseke ukuba ufumana umvuzo ongaphantsi kobona bukhulu bommandla wakho.
- Ukugqitywa kwekhosi yemfundo yabathengi ekhaya. Unokufumana iikhosi ezicetyiswayo kwifayile ye- Kwiwebhusayithi yeCalHFA .
- Iimfuno ezongezelelweyo ze-USDA. Imali mboleko ye-USDA ineemfuno zayo zengeniso kunye neenkcukacha zepropathi ekufuneka uhlangane nazo ukuze ufaneleke.
7. Iinkqubo zokuNcediswa kweNtlawulo zeCalHFA
Ngokabani Abathengi abafuna uncedo lokufumana imali yokubhatala.
Iinkqubo zoncedo lokuhlawula phantsi kweCalHFA zikunceda uhlawule iindleko zakho zokuhlawula xa usivale. Ezi mboleko zinokudityaniswa nezinye iinkqubo zeCalHFA ukuba nje uhlangabezana neemfuno zengeniso. Inkqubo ephambili ebonelela ngoncedo lokuhlawula yinkqubo yokuNcediswa kweMyHome, ebandakanya imigaqo ekhethekileyo yabasebenzi besebe kunye nabasebenzi becandelo lomlilo kunye nababolekisi bemali mboleko ye-VA.
Inkqubo yoncedo lweMyHome
Le nkqubo iza ngohlobo lwemali mboleko enikezela ukuya kuthi ga kokuncinci: $ 10,000 okanye iipesenti ezi-3 zexabiso lemali mboleko yakho yasekhaya xa uvala uninzi lwemali mboleko, ngaphandle kwemali mboleko ye-FHA evumela ukuya kuthi ga kwiipesenti ezi-3.5. Le mali-mboleko inokusetyenziselwa ukunceda xa uhlawula okanye uvale iindleko.
Imali mboleko yeMyHome yimali mboleko emiselweyo, ngenxa yoko akukho ntlawulo ifunekayo de ube uhlawule imali mboleko okanye uthengise okanye uphinde wahlawula ipropathi. Nangona kunjalo, ngokungafaniyo ne-ZIP, iimali mboleko zeMyHome zibiza inzala, eya kuthi ityalwe ukongeza kwinqununu yakuba ifanele ukubolekwa imali.
Ukuze ufanelekele le nkqubo, kufuneka ube ungumthengi wokuqala ekhaya kwaye uhlangane nezikhokelo zengeniso.
I-MyHome yaBaqeshwa besikolo, abaSebenzi beSebe leMlilo, kunye nababolekisi bemali mboleko ye-VA
Le mithetho ikhethekileyo yeyokuqala ukuthenga abathengi ekhaya: Ootitshala baseCalifornia okanye abasebenzi kwisikolo se-K-12 okanye abacimi-mlilo okanye abanye abasebenzi besebe lomlilo. Le mali-mboleko ibonelela nge-3% yexabiso lekhaya ngohlobo lwemali mboleko yenzala elula emiselweyo. Akukho mda we $ 10,000.
Ababolekisi bemali mboleko, nokuba baqeshwe phi, bakhululwe kumda weedola ezili-10 000.
Iinkqubo zeLizwe zaBathengi baKhaya beXesha lokuQala
Nangona iinkqubo ezininzi zokuqala zabathengi kunye nezibonelelo zinikezelwa kwinqanaba likarhulumente okanye lendawo, kukho iminikelo eninzi yemali-mboleko kwilizwe lonke elibonisa iminikelo yeCalHFA.
Olunye ukhetho lwemali mboleko olufumanekayo kwilizwe lonke olunokuba lulungele abathengi bexesha lokuqala lubandakanya:
- UFannie Mae kunye noFreddie Mac 3% phantsi kweendlela zokuhlawula. Bobabini uFannie noFreddie banikezela ngeendlela ezimbalwa kubathengi abafuna ukufumana imali-mboleko nge-3% yokuhlawula. Inkqubo nganye ineemfuno ezahlukeneyo ngokubhekisele kwimida yengeniso nokuba ufuna okanye ungafuni ukuba ngumthengi wokuqala ekhaya.
- Imali mboleko ye-FHA. Ezi ntlobo zemboleko zilungile kubaqalayo kuba zivumela amanqaku aphantsi etyala kunye neentlawulo ezisezantsi. Ngapha koko, kunokwenzeka ukuba ufumane imali-mboleko ngentlawulo ephantsi eyi-3.5% kunye nenqaku lokuthenga ngetyala elingama-580.
- Imali mboleko ye-USDA. Ezi mboleko zivumela ababoleki kwiindawo ezifanelekileyo ukuba bafumane imali-mboleko ngaphandle kwentlawulo. Ngokubanzi bafuna amanqaku emboleko ubuncinci angama-640, nangona kunokwenzeka ukubathoba.
- VA mboleko. Ukuba uligqala elifanelekileyo okanye ulilungu lenkonzo esebenzayo, i-VA mboleko ye-0% yokukhetha indlela yokuhlawula yenye indlela efikelelekayo yokuthenga ikhaya.
Ezinye iinkqubo zokuthenga amakhaya kwilizwe lonke ezinokunceda abathengi bexesha lokuqala zibandakanya:
- Umakhelwane olungileyo. Le nkqubo inikezelwa liSebe lezeZindlu noPhuhliso lweeDolophu kwaye ivumela ootitshala, amagosa asebupoliseni, abacimi-mlilo, kunye nee-EMTs ukuba bathenge amakhaya akhethwe ngabanini be-HUD kwiindawo ezifanelekileyo ngesaphulelo se-50%.
- INkqubo yabaThengi yokuLungela iKhaya. Le nkqubo, ebonelelwa nguFannie Mae, ivumela abathengi ukuba bathenge ipropathi exelwe ngumnikazi kaFannie Mae nge-3% yentlawulo ephantsi, benethuba lokufumana ukuya kuthi ga kwiipesenti ezintathu zexabiso lasekhaya kuncedo lweendleko.
Izinto ezi-5 eziphambili zokuthenga ikhaya eCarlifonia
Zithini iimfuno zokuthenga ikhaya eCarlifonia? Yintoni endiyifunayo ukuze ndilungele ukufumana imali mboleko yendlu? Le mibuzo mibini ixhaphakileyo kubathengi basekhaya kwiGolden State, kwaye uya kufumana iimpendulo kuzo zombini ezi zinto zingezantsi.
Xa kuziwa kwiimfuno zokuthenga indlu, kukho umahluko omkhulu phakathi kwabathengi bemali kunye nabo basebenzisa imali mboleko yekhaya.
- Abantu abahlawula imali ekhayeni abayidingi imali mboleko yempahla, ngenxa yoko uninzi lwezinto ezingezantsi azisebenzi kubo.
- Kodwa i uninzi wabathengi eCarlifonia yenza Sebenzisa imali mboleko yasekhaya xa uthenga indlu. Ke namhlanje siza kuthetha nabo.
Ngale ngxelo yokuphulaphula isendleleni, nazi ezinye zeemfuno eziphambili zokuthenga ikhaya eCarlifonia:
1. Imali egcinelwe intlawulo esezantsi.
Ngokubanzi (kodwa akusoloko) intlawulo efunekayo xa uthenga ikhaya eCarlifonia. Banokwanda ukusuka kwi-3% ukuya kwi-20% yexabiso lokuthenga, kuxhomekeke kuhlobo lwemali mboleko esetyenzisiweyo kunye nezinye izinto. Amalungu amajoni kunye namagorha bahlala befanelekile kwimali mboleko yasekhaya ye-VA, ebonelela ngezemali kwi-100%. Inkqubo yemali mboleko ye-FHA, eyaziwa kakhulu ngabathengi bexesha lokuqala eCalifornia, ivumela ababoleki ukuba benze intlawulo eyi-3.5%.
Ngelixa intlawulo ezantsi ziyimfuneko eqhelekileyo yokuthenga ikhaya eCarlifonia, imali ayinyanzelekanga ukuba iphume epokothweni yakho. Kule mihla, iinkqubo ezininzi zemali mboleko zivumela ukusetyenziswa kwezipho zokuhlawula ezantsi. Kulapho umhlobo, isihlobo, umqeshi, okanye omnye umnikeli ovunyiweyo ekunika imali yokugubungela ezinye okanye lonke utyalomali lwakho lokuqala.
2. Gcina ikhredithi elungileyo.
Amanqaku okuthenga ngetyala yenye into eyimfuneko xa uthenga ikhaya eCarlifonia. Ukhe weva ngokubaluleka kwekhredithi elungileyo xa kufikwa ekufumaneni imali mboleko. Ababoleki abanamanqaku aphezulu emboleko ngokubanzi banexesha elilula lokufumana imali yokubolekwa kwemali kwaye banomdla wokufumana inzala engcono.
Akukho ndawo inye yokusika esetyenziswa ziibhanki kunye neenkampani zobambiso. Ihluka ukusuka kwenye ukuya kwenye. Oko kwathethi, uninzi lwababolekisi namhlanje bakhetha ukubona amanqaku angama-600 okanye ngaphezulu kubabolekisi abafuna imali mboleko yekhaya. Kodwa yinto eqhelekileyo leyo, ayisetwanga elityeni.
Eyona nto iphambili kukuba amanqaku aphezulu aya kuwaphucula amathuba akho okuthenga ikhaya eCalifornia xa usebenzisa imali mboleko yekhaya.
3. Ukulawula ityala lakho.
Inani letyala onalo linokuchaphazela ukubanakho kwakho ukufumana imali yokubambisa. Ke, yenye eyimfuneko yokuthenga ikhaya eCarlifonia. Ngokukodwa, ngumlinganiselo wetyala lakho elipheleleyo eliphindaphindayo kumvuzo wakho wenyanga obaluleke kakhulu.
Kwijargon yemali mboleko, oku kwaziwa njengemali-yengeniso-mali. Lo mlinganiso ubonakalisa ukuba ingakanani imali yakho engenayo eya kumatyala akho ngenyanga. Inceda iinkampani zobambiso ukuba uqiniseke ukuba awungeni ematyaleni amaninzi (ngokongezwa kwemali mboleko yekhaya).
Njengamanqaku etyala, le yimfuno yokuthenga ekhaya yaseCalifornia enokwahluka kwinkampani enye yokubambisa enye ukuya kwenye. Ngokufanelekileyo, umlinganiso wakho wamatyala ukuya kwingeniso kufuneka uwe phantsi kweepesenti ezingama-43. Kodwa ayisiwo umthetho onzima kwaye okhawulezayo. Ezinye izinto zithathelwa ingqalelo.
4. Ukuhlanganisa amaxwebhu akho emali.
Amaxwebhu ayimfuneko eqhelekileyo yokuthenga ikhaya eCarlifonia. Xa ufaka isicelo semali mboleko yekhaya, uya kucelwa iintlobo ngeentlobo zamaxwebhu ezemali. Umbolekisi uya kuzisebenzisa ukuqinisekisa umvuzo wakho kunye neeasethi, imbali yakho yemali mboleko, kunye neminye imiba yemeko yakho yezemali.
Amaxwebhu acelwe ngokuqhelekileyo afaka iingxelo zebhanki zamva nje, iifom zerhafu kunye neefom ze-W-2 kule minyaka mibini idlulileyo, iintonga zokuhlawula kunye namanye amaxwebhu ahambelana nemali. Ababolekisi abazisebenzelayo banokubonelela ngamaxwebhu ongezelelweyo, njengenzuzo kunye nelahleko (P&L) ingxelo.
5. Ukuvavanywa kwekhaya.
Ukuba usebenzisa imali mboleko yokuthenga ikhaya eCarlifonia, ipropathi iya kuthi iphononongwe ngaphambi kwenkxaso-mali. Ke, uvavanyo lwasekhaya yenye into ebalulekileyo xa uthenga ikhaya.
Ngethuba lale nkqubo, umvavanyi wasekhaya oqeqeshiweyo kunye nelayisenisi uya kutyelela eli khaya aze alivavanye ngaphakathi nangaphandle. Umvavanyi uya kubonelela ngoqikelelo lwexabiso lepropathi kwimarike yangoku yezindlu. Umbolekisi ufuna ukuqinisekisa ukuba isixa esihlawulelwe ipropathi sibonisa ixabiso lokwenyani lemarike.
Njengomthengi wasekhaya, akukho nto ininzi yokwenza ngexesha lenkqubo yovavanyo. Umbolekisi uya kuyicwangcisa kwaye umvavanyi uya kuthumela ingxelo yakhe kumbolekisi. Yinto nje ekufuneka uyigcinile engqondweni.
Uvavanyo lwasekhaya lukwagxininisa ukubaluleka kokwenza i-smart bid ngokusekwe kwiimeko zentengiso ezikhoyo. Ukuba unikezela ngesixa esingaphezulu kwexabiso lentengiso, ipropathi ayinakho ukuvavanywa ngexabiso ekuvunyelwene ngalo lokuthenga. Oku kunokudala indlela yokuvunywa kwempahla.
Ke unayo, ezintlanu zeemfuno eziphambili zokuthenga ikhaya eCarlifonia.
Isishwankathelo
ICalifornia inokhetho olukhulu lweenkqubo ezikhoyo kubathengi bexesha lokuqala. Okokuqala, yenza uphando lwakho kwi Kwiwebhusayithi yeCalHFA ukumisela ukuba yeyiphi inkqubo onomdla kuyo. Emva koko, qalisa inkqubo yokuvunywa kwangaphambili kwaye ufunde malunga nokukhetha kwakho. Okokugqibela, iqabane nearhente yendawo yokuhlala ukufumana iphupha lakho lasekhaya eCalifornia.
[ukucaphula]
Iziqulatho
- Iinkqubo zokuthenga ekhaya zaseCalifornia zokuQala
- 1. Inkqubo yeCalHFA yesiQhelo yeMali-mboleko
- 2. Inkqubo yeCalPLUS yeMali mboleko yesiqhelo
- 3. Inkqubo yeMali mboleko yeCalHFA FHA
- 4. Inkqubo yemali mboleko yeCalPLUS FHA
- 5. Inkqubo yeMali mboleko yeCalHFA VA
- 6. Inkqubo yeMali mboleko yeCalHFA USDA
- 7. Iinkqubo zokuNcediswa kweNtlawulo zeCalHFA
- Inkqubo yoncedo lweMyHome
- I-MyHome yaBaqeshwa besikolo, abaSebenzi beSebe leMlilo, kunye nababolekisi bemali mboleko ye-VA
- Iinkqubo zeLizwe zaBathengi baKhaya beXesha lokuQala
- Izinto ezi-5 eziphambili zokuthenga ikhaya eCarlifonia
- 1. Imali egcinelwe intlawulo esezantsi.
- 2. Gcina ikhredithi elungileyo.
- 3. Ukulawula ityala lakho.
- 4. Ukuhlanganisa amaxwebhu akho emali.
- 5. Ukuvavanywa kwekhaya.
- Isishwankathelo
- Ngawaphi amaxwebhu endiwadingayo ukuze ndithenge indlu ...
- Iimfuneko zokuthenga iKhaya eliSelfowuni eUnited States
- Yimalini ekufuneka ndiyifumene ukuthenga indlu eMelika?
- Umzekelo wokwenza isithembiso sokuthenga ekhaya
- Iimali-mboleko ze-FHA zaBathengi beXesha lokuQala
- Ndifuna imali engakanani ukuthenga indlu?