Izinto ezifunekayo ukuze uthenge indlu ehambayo. Zininzi izibonelelo zokuthenga umzi ohambayo. Inkqubo ye- ixabiso, kunjalo , ngesiqhelo Ngaphantsi kakhulu kunekhaya eliqhelekileyo losapho olunye. Ukwengeza, Iindawo ezihambahambayo zasekhaya ihlala ibandakanya izithuba ekwabelwana ngazo Intoni amadama okudada , iindawo zokudlala kunye neeklabhu .
Iimfuneko zokuthenga iKhaya eliShukumayo
Kubalulekile ukukhankanya ukuba njengezinye iimpahla onqwenela ukuzifumana kubalulekile ukuba ube namaxwebhu athile.
Apha ngezantsi siza kuchaza iimfuno ekufuneka uzithathele ingqalelo:
- Ukufumana imvume okanye ukubhalisela ukusetyenziswa kwekhaya elihambayo elinikezelwa nguRhulumente.
- Ubhaliso kufuneka lube lolwangoku.
- Isithili sikhuphe isigunyaziso sokupaka.
Amaxwebhu esisanda kuwakhankanya Zikummandla oqhelekileyo ke kuya kufuneka ubonisane namaqumrhu kaRhulumente .
Amanyathelo okuxhasa ngemali ikhaya elihambayo
Xa uceba ukuthenga ikhaya elihambayo, kuya kufuneka uthathe amanyathelo ambalwa.
- Thatha isigqibo sokuba uyafuna na ukuthenga umhlaba kunye nekhaya elihambayo okanye nje ikhaya elihambayo. Ukuba uceba ukurenta ipasile yekhaya lakho, uyakufaneleka kwimali mboleko encinci kunokuba uceba ukuthenga umhlaba oza kubekwa kuwo indlu.
- Fumana iinkcukacha zendlu ofuna ukuyithenga. Oku kuya kuchaphazela iimali-mboleko onokufaka isicelo kuzo. Umzekelo, ukuba ufuna ukuthenga indlu ebanzi ephindwe kabini ebiza i-100, 000 yeedola okanye ngaphezulu, awuyi kulungela imali mboleko yekhaya. FHA .
- Qala ukukhangela ukhetho lwezemali. Khetha uhlobo lwemali mboleko (FHA, chattel, eyeyakho) oya kuyisebenzisa kwaye uthelekise izibonelelo zababolekisi abohlukeneyo. Zama ukufumana imali-mboleko enexabiso eliphantsi kunye nenzala ephantsi ukuze ukwazi ukuchitha imali encinci kangangoko kubomi bemali mboleko.
- Nje ukuba ukhethe umbolekisi, ngenisa isicelo sakho. Qiniseka ukuba usigcwalisa ngokuchanekileyo isicelo kwaye unendawo eyoneleyo kwangaphambili yokuzinika elona thuba lilungileyo lokufumana imali mboleko.
Ukuthenga ikhaya elihambayo: into ekufuneka uyazi
Ngaba unomdla wokuthenga indlu ehambayo? Ngokuqinisekileyo awuwedwa. Kukho okuninzi Izigidi eziyi-8 zamakhaya ahambayo eU.S ( imvelaphi ). Amakhaya eselfowuni athandwa kuba zibiza kakhulu kunezindlu eziqhelekileyo. Ixabiso eliphakathi lekhaya elihambayo ngo-2015 laliyi- $ 68,000, ngokwe Iziko laseMelika lokuBalwa kwabantu . Iindleko eziphakathi kwekhaya eliqhelekileyo losapho olunye zii- $ 360,000.
Ke amakhaya ahambayo enza ingqiqo kwezoqoqosho. Kodwa ukuba ucinga ukuthenga iselfowuni, yeyiphi indlela efanelekileyo yokuxhasa ngemali?
Yintoni kanye kanye ikhaya elihambayo?
Ikhaya elihambisekayo likhaya elakhiwe ngaphandle kwesiza ngumenzi emva koko lahanjiswa lasiwa kwipropathi. Abanye abantu bababiza ngokuba ngamakhaya enziweyo okanye iitreyila. Amakhaya eselfowuni ngokubanzi eza ngeentlobo ezimbini: ububanzi obubodwa, ubude, buxinene, kwaye uyilo oluhambelanayo; kwaye iphindwe kabini ububanzi, enendawo ephindwe kabini kwaye ivakalelwa ngokungathi likhaya losapho olunye-ngaphakathi ngaphakathi.
Unomdla? Nazi izinto ekufuneka uzazi malunga nokuthenga indlu ehambayo:
Unokuba neenketho ezinqongopheleyo zemali.
Ukuba uyazibuza ukuba ungayifumana njani imali mboleko kwikhaya lakho elihambayo , kukho izinto ezimbalwa ekufuneka uyazi. Iibhanki zijonga amakhaya ahambayo njengepropathi yakho endaweni yepropathi, ngenxa yoko banokukunika imali-mboleko yobuqu. Ukufumana ithuba elingcono lokufumana imali mboleko kwiobolekisayo kwimali-mbolekoKuya kufuneka uqinisekise ukuba ikhaya elihambisekayo liqhagamshelwe ngokusisigxina kwisiseko.
Ukuba awufuni ukwehla ngaloo ndlela, imibutho yabasebenzi ngetyala iya kuthi inike imali mboleko yokubolekwa kwekhaya. Unokufaka isicelo semali mboleko yobuqu okanye uboleke imali kumthengisi wekhaya ohambahambayo.
Nangona kunjalo, nokuba wenza isicelo semali-mboleko phi, umbolekisi wakho uya kufuna ukuba ikhaya lakho lihlangabezane neemfuno ze- ISebe lezeZindlu noPhuhliso lweeDolophu (HUD) Oku kuthetha ukuba uya kuqesha ikhontraktha ekhethekileyo ukuba yenzeukuhlolwa ekhayakwaye uyiqinisekise.
Ungathenga epakini okanye uthenge umhlaba ukuze ubeke indlu yakho.
Unokucinga ukuba amakhaya ahambayo ahlala kwiipaki zasekhaya ezihambayo, kodwa akunjalo. Kuyenzeka ukuba uthenge umzi ohambayo kunye nomhlaba okuwo, onokuba sisiqwenga somhlaba osehlathini.
Okanye, ukuba uthenga indawo entsha ehambayo, ungaya naphi na apho ufuna khona. Ipaki yasekhaya ehambayo isenokuba lolona khetho lufanelekileyo kuba baya kuba sele benazo izinto zonxibelelwano kunye nezinye izinto eziluncedo. Kodwa ukuba ngasese (kwaye uphephe umrhumo wesiza) Kukuphambili kwakho, ungathenga eyakho iphakheji yokuyifaka, ukuba nje ukulungele ukuthwala iindleko ezongezelelweyo kwaye uphathe izinto eziluncedo ngokwakho.
Ukuba uthenga epakini, faka umrhumo kuhlahlo-lwabiwo mali.
Malunga nemirhumo yendawo: Ukuthenga kwipaki yekhaya ehambayo kungabiza kakhulu kunokuthenga umhlaba, kodwa kusaza neendleko. Uninzi lweepaki zasekhaya ezihlawulwayo zibiza irenti, eqikelelwa kwi- $ 300 ngenyanga kwaye ngokubanzi igubungela iindleko zokuqokelelwa kwenkunkuma, amanzi, umjelo wamanzi amdaka, kunye nolondolozo lwemihlaba.
(Ukugcinwa kwekhayaixhomekeke kuwe). Oku kuyenzeka kwiimeko apho awungowakho umhlaba ophantsi kwekhaya elihambayo, likhaya ngokwalo.
Kodwa kwezinye iipaki, ungumnini womhlaba. Olu luntu luhlala lunombutho wabanini bamakhaya ( Iintyatyambo ) eqhutywa ngabaphuhlisi bepaki okanye abahlali. I-HOA iseta imigaqo yoluntu, kwaye iifizi zihlala ziqhutywa kuluhlu lwama- $ 200- $ 300 / ngenyanga.
Inkunkuma, amanzi, ugutyulo, kunye nokugcinwa kwepaki kuhlala kugutyungelwa yimirhumo yakho. Kuya kufuneka uphinde ulandele imigaqo yoMbutho waBanini bamakhaya, enokuthintela ukuba yeyiphi imibala ikhaya lakho elinokupeyinta kwaye ungapaka phi, phakathi kwezinye izinto.
Amakhaya eselfowuni aphulukana nexabiso ngokuhamba kwexesha.
Abanini bamakhaya basetyenziselwa ukucinga ukuba amakhaya aya kunyuka ngexabiso ngokuhamba kwexesha, amakhaya osapho olunye ahlala esenza. Kodwa kungenxa yokuba ziqhotyoshelwe emhlabeni jikelele, kwaye umhlaba uyinto yokweneneYixabise. Amakhaya eselfowuni angangeni nongcola awonyuki ngexabiso, kwaye kunokuba nzima ukuthengisa kwakhona kunekhaya eliqhelekileyo.
Kodwa konke kuza kule nto uyifunayo ekhaya kwayeungafikelela phi. Asingabo bonke abaninikhaya abathenga amakhaya njengotyalo mali, kwaye ayinguye wonke umntu onokufikelela kwikhaya eliqhelekileyo. Ukuba ufuna ukuthenga indawo efikelelekayo onokuhlala kuyo ngaphandle kokugcinwa kwepropathi okuninzi, ukuthenga umzi ohambayo kungayinto efanelekileyo.
Amakhaya avelisiweyo, Amakhaya aSelfowuni, kunye namaKhaya eModyuli
Ukuba umtsha kumakhaya ahambayo, kuya kufuneka uqale ngokufunda i-linging ehamba nayo. Ukwazi imigaqo kuya kukunceda uqonde iindlela zenkxaso-mali ezikhoyo. Ikwavumela ukuba unxibelelane ngcono nababolekisi ngemali yokuthenga.
Amakhaya amatsha ahambayo abizwa ngokuba ngamakhaya enziweyo. Izindlu ze-Prefab zakhiwa kwimizi-mveliso kwaye zibekwe kwisisu esisigxina. Ngenxa yesisu, zinokuhamba ngokulula. Yisisu semoto esichaza ikhaya elenziweyo njenge mobile.
ISebe lezeZindlu noPhuhliso lweeDolophu (i-HUD) liphumeze imigangatho yolwakhiwo kumakhaya enziweyo / ahambayo ngo-1976.
Amakhaya ane-chassis esisigxina eyakhiwe ngaphambi koko isenokubizwa ngokuba ngamakhaya ahambayo, kodwa ngekhe ayakhelwe kwimigangatho ye-1976.
Isiphumo esiphambili semigaqo ye-1976 yayilixwebhu le-HUD elaziwa njenge Ilebheli yokuQinisekiswa kunye nePlate yeDatha . Ezi zatifikethi zibomvu kwaye kufuneka zibonakale ngaphakathi ekhaya. Ukuzicima akukho semthethweni.
Ithegi ye-HUD ibaluleke ngakumbi xa uthenga, uthengisa, uxhasa ngemali, kunye nokuqinisekisa indlu eyenziweyo. Ukuba awunayo i-HUD tag, kuya kuba nzima kakhulu ukufumana imali ngalo naluphi na uhlobo.
Musa ukudida okwenziwe ngemodyuli okanye amakhaya enziweyo. Amakhaya enziwe nawo ayakhiwa kumzi-mveliso. Nangona kunjalo, zinokwakhiwa kwisisu esisigxina okanye esingaphandle kwesakhelo, kunye ne-chassis ekhutshweyo. Ezi zihlala zirhuqelwa kumhlaba wabucala kwaye zihlanganisene apho.
Amakhaya ahambayo ahlala efumaneka kumhlaba oqeshiweyo (iipaki zasekhaya ezihambayo).
Ukuxhasa ngezimali iKhaya eliShenxayo ngokuchasene neMali mboleko yesiqhelo
Eyona nto ibalulekileyo ekufuneka uyiqwalasele xa uxhasa ngemali indlu ehambayo kukuba ingaba ungumnini womhlaba apho ukhona (okanye uza kuba khona).
Ukuba ungumnini womhlaba kwaye ufuna inkxaso-mali kwikhaya elenziweyo, unokufumana imali mboleko eqhelekileyo. Nangona kunjalo, ukuba awuyiyo eyakho learhente yokuthengisa izindlu nomhlaba, uninzi lwababolekisi abaqhelekileyo alunakuvuma ukuba ubambise.
Ukuba awungowakho umhlaba, cinga ngokufaka isicelo semali-mboleko kwi-United States Federal Housing Authority ( FHA ), kuba ayisiyomfuneko kwimali mboleko ye-FHA. Ukuba ufanelekile, cinga ngokufumana imali mboleko yekhaya kwiSebe laseMelika leMicimbi yeVeterans (VA) Banikezela ngemboleko mboleko kumakhaya enziweyo kunye neqashiso.
Imali mboleko ye-FHA
Njengoko kukhankanyiwe ngasentla, iimali mboleko ezivela Isihloko I se-FHA Abafuni ukuba umboleki abe ngumnini womhlaba. Nangona kunjalo, umboleki kufuneka aqeshise umhlaba omnye ubuncinci iminyaka emithathu ukuyaufanelekele ukubolekwa imali kwi-FHA.
I-FHA ayisiyo umbolekisi ngqo. Ke ngoko, kuyakufuneka ufumane umbolekisi ovunyiweyo ukuze enze iimali mboleko ze-FHA. I-FHA iqinisekisa imali mboleko, ebenza ukuba babenomdla ngakumbi kubabolekisi kuba banomngcipheko omncinci kwimeko yokungabikho kwemali mboleko.
Iimfuno zokubolekwa kwemali mboleko ye-FHA kulula ukuba zikulungele ukuhlawula uninzi lwababambisi abaqhelekileyo. Ukuhlawula ezantsi kunokuba kuncinci kakhulu kunakwimali mboleko yesiqhelo- isezantsi njenge-3.5% yexabiso lokuthenga. Ngokubanzi, amaxabiso enzala nawo asezantsi ngemali mboleko eqinisekisiweyo ye-FHA.
Ukuba unetyala elibi (amanqaku emboleko angama-550 okanye ngaphantsi), usenokufumana imali-mboleko ye-FHA. Unokufanelekela ukubolekwa imali kwi-FHA nokuba sele uthe wagqitha ngaphambili. Kwelinye icala, ababolekisi abaninzi abaqhelekileyo ngekhe bakunike imali mboleko ukuba unetyala okanye ulihlwempu.
Olunye uhlengahlengiso lwemali mboleko ye-FHA kukuba banethuba elifutshane kunokubambisa ngento eqhelekileyo. Ubambiso lwemali lubekelwe iminyaka engama-30; Uninzi lweemali-mboleko ze-FHA zokuthenga umzi ohambayo zinemiqathango yeminyaka engama-20.
Imali mboleko ye-FHA ikwanemiqathango yemali mboleko ekufuneka ithathelwe ingqalelo. Ukususela ngo-2017, umda wekhaya elenziweyo yi- $ 69,678. Ukuba ufuna nje ukuthenga iqashiso, umda uyi $ 23,226. Umda uyi- $ 92,904 yazo zombini izinto ezenziweyo kwikhaya nakwipropathi. ( Imvelaphi )
Omnye umda wokuthathelwa ingqalelo kukuba iimali mboleko ze-FHA zikhetho kuphela ukuba ikhaya elihambileyo yindawo yokuhlala yakho ephambili. Kwangokunjalo, ababolekisi ababambisayo babambiso, ababolekisi be-FHA baya kuhlalutya ingqesho yakho, umvuzo, imbali yamatyala, kunye nenqaku lokuthenga ngetyala ukumisela ukufaneleka, inzala yemali mboleko kunye neminye imigaqo.
VA mboleko
Njengakwimali-mboleko ye-FHA, i IYAhamba iqinisekisa iimali mboleko ngokuziqinisekisa ukuba ziyasilela. I-VA ngokwayo ayenzi mboleko. Kuya kufuneka ufumane iziko elinikezela ngetyala le-VA.
Amalungu omkhosi, amagqala, kunye nabalingane babo banelungelo lokufumana imali-mboleko ye-VA. I-VA iqinisekisa imali mboleko kumakhaya enziweyo kunye neqashiso.
Ukufumana isiqinisekiso semali mboleko ye-VA, uyakufuna iSatifikethi sokuLungela (i-COE). Isatifikethi sibonisa ababolekisi ukuba ukulungele ukufumana imali mboleko exhaswa yi-VA. Jonga nantsi Iimfuneko ze-COE.
Njengakwimali-mboleko ye-FHA, ikhaya elenziweyo kufuneka libe yindawo yakho yokuhlala. Ukuze uvunyiwe kwimali mboleko ye-VA, kuya kufuneka unikezele ngembali yakho yomsebenzi, umsebenzi wangoku, umvuzo, kunye nembali yekhredithi.
Iziqulatho
- Iimfuneko zokuthenga iKhaya eliShukumayo
- Amanyathelo okuxhasa ngemali ikhaya elihambayo
- Ukuthenga ikhaya elihambayo: into ekufuneka uyazi
- Yintoni kanye kanye ikhaya elihambayo?
- Unomdla? Nazi izinto ekufuneka uzazi malunga nokuthenga indlu ehambayo:
- Unokuba neenketho ezinqongopheleyo zemali.
- Ungathenga epakini okanye uthenge umhlaba ukuze ubeke indlu yakho.
- Ukuba uthenga epakini, faka umrhumo kuhlahlo-lwabiwo mali.
- Amakhaya eselfowuni aphulukana nexabiso ngokuhamba kwexesha.
- Amakhaya avelisiweyo, Amakhaya aSelfowuni, kunye namaKhaya eModyuli
- Ukuxhasa ngezimali iKhaya eliShenxayo ngokuchasene neMali mboleko yesiqhelo
- Imali mboleko ye-FHA
- VA mboleko