Ukuba uyazibuza ukuba ungalithenga njani ikhaya eFlorida , awukho wedwa. Sifumana ingxelo kubantu abacinga ukuba bangathanda ukuthenga ikhaya, kodwa abaqinisekanga ngenene ukuba kufuneka benze ntoni ukuze bafaneleke ukufumana imali mboleko. Sinezinye iingcebiso zokuthenga ikhaya lakho eFlorida kunye nento ekufuneka uyiqalisile. Nazi ezinye iinkcukacha ezisisiseko.
Iimfuneko zokuthenga ikhaya eFlorida: ikhredithi
Ngokufanelekileyo, kuya kufuneka ufumane amanqaku NDINGU 620 okanye ngaphezulu . Nangona kunjalo, kukho abanye ababolekisi abanokuthi babonelele ngokuboleka imali kubathengi abanamanqaku asezantsi 580 . Iya kuxhomekeka kwezinye izinto kwimeko yakho yezemali, kodwa okukhona usomelela ngetyala lakho, kokukhona kuya kuba ngcono amathuba akho okufumana imali mboleko elungileyo.
Izinketho zokuhlawula ezantsi eFlorida
Unokukhetha okuninzi xa kufikwa kwintlawulo ezantsi. Ukuba wena okanye iqabane lakho nakhe nasebenza kwi thina mkhosi .Ungakulungela ukufumana VA inkxaso-mali , ukuba ayifuni ukuhlawulwa phantsi . Kukho ezinye ezimbalwa zeepesenti zokukhetha inkxaso-mali ekhoyo, kodwa kuya kubakho izikhokelo ezingqongqo kunye neemfuno ekufuneka zilandelwe.
Inkqubo ye- FHA yinto ethandwayo yemali mboleko ekhuselweyo efunwa yipesenti ezi-3.5 yokuhlawula ixabiso lentengo. Ngemali mboleko ye-FHA, ufumana inqanaba eliphambili kwaye amaxabiso emali mboleko ukuya kwityala alungile.
Inkxaso mali yesiqhelo, ababolekisi bathanda ukubona intlawulo encinci yeepesenti ezingama-20 ubuncinci. Nangona kunjalo, kukho iimveliso zemboleko eziqhelekileyo ezikuvumela ukuba ubeke kancinci, kuluhlu lwesithathu ukuya kwiipesenti ezili-15. Kule meko, umbolekisi wakho obambisayo uza kuhlala efuna i-inshurensi yobambiso, eyongeza kancinci kwintlawulo yakho yanyanga-mboleko.
Ngokubanzi, iimfuno zokuthenga ikhaya eFlorida zibandakanya:
- Isivumelwano esisemthethweni
- Ukumelwa kwengcali yendawo ethengisa izindlu nomhlaba.
- Inkxaso mali, kubandakanya neendleko zokuvala.
Amanyathelo asixhenxe okuthenga ikhaya eFlorida
Nje ukuba uqhelane nemarike yokuthengisa izindlu nomhlaba eFlorida, kuya kufuneka ulandele la manyathelo okuqinisekisa ukuba yonke inkqubo igudile kwaye ayinangxaki.
1. Yenza iArhente yokuThengisa izindlu eFlorida
Isinyathelo sokuqala xa kuziwa ekuthengeni ikhaya liqesha iarhente yezindlu eFlorida. Umenzeli omkhulu wokuthengiswa kwezindlu uya kuthembeka, abe nolwazi olufunayo, kwaye akumele ngokufanelekileyo. Oku kuyakwenza lula inkqubo kwaye kukuncede ufumane ikhaya elilingana nendlela ophila ngayo.
2. Fumana ipropathi
Nje ukuba ufumane iarhente yokuthengisa izindlu nomhlaba, unokusebenza nabo ukufumana ipropathi efanelekileyo kuwe nakusapho lwakho. Kukho ithuba elihle lokuba iarhente yakho yokuthengiswa kwezindlu inakho ukufikelela kwiNkonzo yoLuhlu oluninzi. Ngaphambi kokwenza isigqibo sokugqibela, unokufuna ukujonga iindlela ezahlukeneyo ukuze ukwazi ukubona eyona ipropathi ibhajethi yakho ehlangabezana neenjongo zakho zobomi.
3. Cela uhlolo lwasekhaya olunobuchule
Uvavanyo lwasekhaya lobuchwephesha luya kunceda ukumisela ukomelela kwesiseko kunye nolwakhiwo ngelixa kuchongwa uhlaselo lwezinambuzane, ubukho besikhunta, kunye neengxaki ezinxulumene nombane, imibhobho yamanzi, umjelo wamanzi, kunye neenkqubo zokufudumeza / zokupholisa.
4. Ukuvunywa kwangaphambili kwempahla yobambiso
Ukuthenga indlu kunokuba ngumsebenzi obiza kakhulu. Nje ukuba ipropathi ihlolwe, kufuneka uqiniseke ukuba unemali oyifunayo. Ukuba ufuna ukufumana imali mboleko, kuya kufuneka ufumane ileta yakho yokuvunywa kwangaphambili. Ukuba uhlawula ngekheshi, kuya kufuneka uqhubeke wenze isithembiso.
5. Yenza isithembiso
EFlorida, ukubhida kuya kubandakanya ukusetyenziswa kwesivumelwano esisesikweni, esibeka iimfuno ezithile kunye nemigaqo ekuvunyelwene ngayo ngumthengi kunye nomthengisi. Umthetho waseFlorida awufuni ukuba ube negqwetha elimele nawe ngeli xesha. Oku kuthetha ukuba unokukhetha ukusebenza nomenzeli wakho wokuthengiswa kwezindlu okanye igqwetha.
6. Ukwamkelwa kwesithembiso
Ixesha emva kokuba umnikelo wakho wamkelwe liya kuba yimincili. Nangona kunjalo, kuya kufuneka ugcine inqanaba lakho lentloko ukuze uqiniseke ukuba onke amanyathelo agqityiwe ngaphandle kwemicimbi ephambili okanye iingxaki. Emva kokwamkelwa kwesithembiso, uya kucelwa ukuba usayine ikhontrakthi kwaye uhlawule imali.
7. Izivumelwano kunye nokuvala
Ukuya esiphelweni senkqubo, iarhente yakho yokuthengiswa kwezindlu iya kwenza ikhontrakthi yokuthenga ethi ibambe zonke iinkcukacha zentengiselwano. Le khontrakthi kufuneka ityikitywe ngumthengisi kunye nomthengi. Inyathelo lokugqibela iya kuba kukubamba intlanganiso. Emva kokuba igqwetha kunye nommeli wearhente yokuthengisa izindlu nomhlaba beqinisekisile ukuba yonke into injengoko kufanelekile, imali iya kugqithiselwa kumthengisi kwaye uya kufumana izitshixo zakho.
Ukuya esiphelweni senkqubo, iarhente yakho yokuthengiswa kwezindlu iya kwenza ikhontrakthi yokuthenga ethi ibambe zonke iinkcukacha zentengiselwano. Le khontrakthi kufuneka ityikitywe ngumthengisi kunye nomthengi. Inyathelo lokugqibela iya kuba kukubamba intlanganiso. Emva kokuba igqwetha kunye nommeli wearhente yokuthengisa izindlu nomhlaba beqinisekisile ukuba yonke into injengoko kufanelekile, imali iya kugqithiselwa kumthengisi kwaye uya kufumana izitshixo zakho.
Ngokwesiko eFlorida Ukuvala, apho uthatha ngokusemthethweni ubunini bepropathi, kunokubakho naphina. Rhoqo, igqwetha okanye inkampani enetayitile, ukuba ikhupha isihloko, ilawula ukuvalwa.
Iarhente yokuvala ilungisa iifom, ezibandakanya amaxwebhu afunwa ngumbolekisi (njengephepha lesithembiso kunye nemali mboleko), amaxwebhu asemgangathweni asetyenziselwa ukuhambisa isihloko (njengesiqinisekiso), njl.
Iziqulatho
- Iimfuneko zokuthenga ikhaya eFlorida: ikhredithi
- Izinketho zokuhlawula ezantsi eFlorida
- Amanyathelo asixhenxe okuthenga ikhaya eFlorida
- 1. Yenza iArhente yokuThengisa izindlu eFlorida
- 2. Fumana ipropathi
- 3. Cela uhlolo lwasekhaya olunobuchule
- 4. Ukuvunywa kwangaphambili kwempahla yobambiso
- 5. Yenza isithembiso
- 6. Ukwamkelwa kwesithembiso
- 7. Izivumelwano kunye nokuvala