FAQ
IMIBUZO EBUZWA QHO
Ngokubanzi lixesha elilungileyo lokuxhasa ngemali xa amaxabiso emali-mboleko ephantsi nge-2% kunexabiso langoku kwimali mboleko yakho.Isenokuba lukhetho olusebenzayo nokuba umahluko wenzala yi-1% okanye ngaphantsi.Nakuphi na ukuncitshiswa kunganciphisa iintlawulo zakho zenyanga zokubambisa.Umzekelo: Intlawulo yakho, ngaphandle kweerhafu kunye ne-inshurensi, iya kuba malunga ne-$ 770 kwi-100,000 yemali mboleko kwi-8.5%;ukuba izinga lithotywe laya kutsho kwi-7.5%, intlawulo yakho iya kuba yi-$700, ngoku ugcina i-$70 ngenyanga.Ukonga kwakho kuxhomekeke kumvuzo wakho, kuhlahlo lwabiwo-mali, kwisixa semali-mboleko, kunye notshintsho lwenzala.Umbolekisi wakho omthembileyo unokukunceda ukubala iinketho zakho.
Iphuzu yipesenti yemali-mboleko, okanye i-1-point = 1% yemali-mboleko, ngoko ke inqaku elinye kwi-100,000 yeedola yi-$ 1,000.Amanqaku ziindleko ekufuneka zihlawulwe kumbolekisi ukuze afumane inkxaso-mali yokubambisa phantsi kwemiqathango ethile.Amanqaku esaphulelo ziintlawulo ezisetyenziselwa ukuthoba inzala kwimali mboleko yendlu ngokuhlawula enye yale nzala kwasekuqaleni.Ababolekisi banokubhekisela kwiindleko ngokwemigaqo yamanqaku asisiseko kwikhulu leepesenti, amanqaku esiseko se-100 = inqaku eli-1, okanye i-1% yemali-mboleko.
Ewe, ukuba uceba ukuhlala kwipropati ubuncinane iminyaka embalwa.Ukuhlawula amanqaku esaphulelo ukuthoba inzala yemali-mboleko yindlela elungileyo yokuthoba intlawulo yakho yenyanga efunekayo, kwaye mhlawumbi wongeze imali-mboleko onokukwazi ukuyiboleka.Nangona kunjalo, ukuba uceba ukuhlala kulo mhlaba unyaka okanye emibini kuphela, imali oyiyonga inyanga nenyanga isenokunganeli ukubuyisela ixabiso lesaphulelo samanqaku obuwahlawule ngaphambili.
Umlinganiselo wepesenti wonyaka (APR) lizinga lenzala ebonisa ixabiso lemali mboleko njengexabiso lonyaka.Eli xabiso linokuthi libe phezulu kunereyithi yenqaku elichaziweyo okanye ireyithi epapashiweyo kwi-mortgage, kuba ithathela ingqalelo amanqaku kunye nezinye iindleko zekhredithi.I-APR ivumela abathengi bamakhaya ukuba bathelekise iintlobo ezahlukeneyo zeemali mboleko ngokusekelwe kwiindleko zonyaka kwimali-mboleko nganye.I-APR yenzelwe ukulinganisa "iindleko zokwenyani zemboleko."Yenza ibala lokudlala elisemgangathweni kubabolekisi.Ithintela ababolekisi ekukhangiseni izinga eliphantsi kunye nemirhumo yokufihla.
I-APR ayichaphazeli iintlawulo zakho zenyanga.Iintlawulo zakho zenyanga zingumsebenzi ongqongqo wezinga lenzala kunye nobude bemali-mboleko.
Ngenxa yokuba izibalo ze-APR zenziwa ngeentlawulo ezahlukeneyo ezahlukeneyo ezibizwa ngababolekisi, imali-mboleko ene-APR ephantsi ayiloxabiso elingcono.Eyona ndlela ingcono yokuthelekisa iimali-mboleko kukucela ababolekisi ukuba bakunike uqikelelo lokuthembeka kweendleko zabo kuhlobo olufanayo lwenkqubo (umz. iminyaka engama-30 emiselweyo) ngexabiso lenzala efanayo.Ungacima ke imirhumo ezimeleyo kwimali-mboleko efana ne-inshurensi yabaninimzi, iimali zetayitile, iifizi ze-escrow, iimali zamagqwetha, njl.njl. Ngoku dibanisa zonke iimali-mboleko.Umbolekisi onemali mboleko ephantsi unemali mboleko esezantsi kunomboleki onemali mboleko ephezulu.
Ezi ntlawulo zilandelayo zibandakanyiwe ngokubanzi kwi-APR:
Amanqaku - zombini amanqaku esaphulelo kunye neendawo zokuqala
Inzala ehlawulwa kwangaphambili.Inzala ehlawulweyo ukusuka kumhla wokuvalwa kwemboleko ukuya ekupheleni kwenyanga.
Umrhumo wokwenza imali-mboleko
Imali yokubhala phantsi
Uxwebhu-ukulungiselela umrhumo
I-inshurensi ye-mortgage yabucala
Imali ye-Escrow
Le mirhumo ilandelayo ayidla ngokuqukwa kwi-APR:
Isihloko okanye umrhumo ongabonakaliyo
Umrhumo woMboleki weGqwetha
Iintlawulo zokuhlola ikhaya
Umrhumo wokurekhoda
Iirhafu zokutshintshela
Ingxelo yetyala
Umrhumo wovavanyo
Amaxabiso emali-mboleko anokutshintsha ukusuka kumhla ofaka isicelo semali-mboleko ukuya kumhla ovala ngawo umsebenzi.Ukuba imilinganiselo yenzala iphakama ngokukhawuleza ngexesha lenkqubo yesicelo inokunyusa intlawulo yemali mboleko yomboleki ngokungalindelekanga.Ngoko ke, umbolekisi unokuvumela umboleki ukuba "atshixe" inzala yemali-mboleko eqinisekisa ukuba izinga lexesha elithile, ngokuphindaphindiweyo iintsuku ezingama-30-60, ngamanye amaxesha intlawulo.
Apha ngezantsi kukho uluhlu lwamaxwebhu afunekayo xa ufaka isicelo semali mboleko.Nangona kunjalo, yonke imeko yahlukile kwaye unokufuneka unikeze amaxwebhu ongezelelweyo.Ke, ukuba ucelwe ulwazi oluthe kratya, yiba nentsebenziswano kwaye unikezele ngolwazi oluceliweyo ngokukhawuleza.Kuya kunceda ukukhawulezisa inkqubo yesicelo.
Ipropati Yakho
Ikopi yesivumelwano sokuthengisa esayiniweyo kuquka bonke abakhweli
Ukuqinisekiswa kwediphozithi oyibekileyo kwikhaya
Amagama, iidilesi neenombolo zomnxeba zabo bonke abathengisi bezindlu, abakhi, iiarhente zeinshorensi kunye namagqwetha abandakanyekayo
Ikopi yePhepha loLuhlu kunye nenkcazo yomthetho ukuba ikhona (ukuba ipropati yindlu yekhondom nceda unikeze isibhengezo sekhondom, imithetho kamasipala kunye nolona hlahlo lwabiwo-mali lwakutsha nje)
Umvuzo wakho
Iikopi ze-pay-stubs zakho zexesha lamva nje leentsuku ezingama-30 kunye nonyaka ukuya kuthi ga ngoku
Iikopi zeefomu zakho ze-W-2 zeminyaka emibini edlulileyo
Amagama kunye needilesi zabo bonke abaqeshi kule minyaka mibini idlulileyo
Ileta echaza naziphi na izikhewu emsebenzini kule minyaka mi-2 idlulileyo
I-visa yomsebenzi okanye ikhadi eliluhlaza (kopisha ngaphambili nangasemva)
Ukuba uziqeshile okanye ufumana ikhomishini okanye ibhonasi, inzala/izabelo, umvuzo wokurenta:
Nikezela ngembuyekezo yerhafu epheleleyo yeminyaka emibini edlulileyo PLUS kunyaka-kumhla wengxelo yeNzuzo neLahleko (nceda unike imbuyekezo yerhafu epheleleyo kuquka iishedyuli neenkcazo eziqhotyoshelweyo. Ukuba ufake ulwandiso, nceda unike ikopi yolongezelelo.)
I-K-1 yazo zonke intsebenziswano kunye ne-S-Corporations kule minyaka mibini idlulileyo (nceda uphinde ujonge imbuyekezo yakho. Uninzi lwe-K-1 aluqhotyoshelwanga kwi-1040.)
Igqityiwe kwaye isayinwe i-Federal Partnership (1065) kunye / okanye i-Corporate Income Tax Returns (1120) kuquka zonke iishedyuli, iinkcazo kunye ne-adenda kwiminyaka emibini edlulileyo.(Kufuneka kuphela ukuba ubunini bakho bungama-25% okanye ngaphezulu.)
Ukuba uya kusebenzisa i-Alimony okanye iNkxaso yoMntwana ukuze ufaneleke:
Ukubonelela ngomyalelo woqhawulo-mtshato/umyalelo wenkundla ochaza isixa-mali, kunye nobungqina bokufunyanwa kwemali kunyaka ophelileyo.
Ukuba ufumana umvuzo woKhuseleko lweNtlalo, ukukhubazeka okanye izibonelelo ze-VA:
Nika imbasa yembasa evela kwi-arhente okanye umbutho
Umthombo weNgxowa-mali kunye neNtlawulo ePhantsi
Intengiso yendlu yakho esele ikhona - nikeza ikopi yesivumelwano sentengiso esayiniweyo kwindawo ohlala kuyo ngoku kunye nesiteyitimenti okanye isivumelwano soluhlu ukuba aluthengiswanga (ekuvaleni, kufuneka unikezele ngengxelo yokuhlawula okanye yokuvala)
Ukugcinwa, ukujonga okanye iimali zemarike yemali - bonelela ngeekopi zeengxelo zebhanki kwiinyanga ezi-3 zokugqibela
Izabelo kunye neebhondi - bonelela ngeekopi zengxelo yakho kumthengisi wakho okanye iikopi zezatifikethi
Izipho - Ukuba yinxalenye yemali yakho yokuvala, nikezela nge-Afidavithi yesipho kunye nobungqina bokufunyanwa kwemali
Ngokusekelwe kulwazi oluvela kwisicelo sakho kunye/okanye nengxelo yetyala lakho, kungafuneka ukuba ungenise amaxwebhu awongezelelweyo
Ityala okanye iiMbophelelo
Lungiselela uludwe lwawo onke amagama, iidilesi, iinombolo zeakhawunti, iibhalansi, kunye neentlawulo zenyanga zawo onke amatyala akhoyo kunye neekopi zeengxelo zenyanga ezintathu zokugqibela.
Bandakanya onke amagama, iidilesi, iinombolo ze-akhawunti, iibhalansi, kunye neentlawulo zenyanga zabanini zindlu kunye/okanye nabanini-mhlaba kule minyaka mibini idlulileyo.
Ukuba uhlawula i-alimony okanye inkxaso yomntwana, bandakanya ukuhlaliswa komtshato / umyalelo wenkundla ochaza imimiselo yesibophelelo
Khangela ukuhlawulela um(imi)sisicelo
Amanqaku okuthenga ngetyala yinkqubo esetyenziswa ngababolekisi ukuze babone ukuba bakunike na ngetyala.Ulwazi malunga nawe kunye namava akho okuthenga ngetyala, njengembali yokuhlawula amatyala akho, inani kunye nohlobo lweeakhawunti onazo, iintlawulo zasemva kwexesha, izenzo zokuqokelela, ityala elingekahlawulwa, kunye nobudala beeakhawunti zakho, ziqokelelwa kwisicelo sakho setyala kunye nekhredithi yakho. ingxelo.Ukusebenzisa inkqubo yezibalo, ababolekisi bathelekisa olu lwazi kwintsebenzo yekhredithi yabathengi abaneeprofayili ezifanayo.Inkqubo yamanqaku etyala iwonga amanqaku ngento nganye enceda ukuqikelela ukuba ngubani onokuthi ahlawule ityala.Inani lilonke lamanqaku -- amanqaku ekhredithi -- inceda ukuqikelela ukuba ufanelekile kangakanani na, oko kukuthi, angakanani amathuba okuba uhlawule imali-mboleko kwaye wenze intlawulo xa kufanelekile.
Awona manqaku ekhredithi asetyenziswa kakhulu ngamanqaku e-FICO, aphuhliswe yi-Fair Isaac Company, Inc. Amanqaku akho aya kuwela phakathi kwe-350 (umngcipheko omkhulu) kunye ne-850 (umngcipheko ophantsi).
Ngenxa yokuba ingxelo yakho yekhredithi iyinxalenye ebalulekileyo yeenkqubo ezininzi zokufumana amanqaku ekhredithi, kubaluleke kakhulu ukuqiniseka ukuba ichanekile phambi kokuba ufake isicelo sekhredithi.Ukufumana iikopi zengxelo yakho, qhagamshelana nee-arhente ezintathu eziphambili zokunika ingxelo ngetyala:
I-Equifax: (800) 685-1111
Experian (ngaphambili TRW): (888) EXPERIAN (397-3742)
Trans Union: (800) 916-8800
Ezi arhente zinokukuhlawulisa ukuya kuthi ga kwi-9.00 yeedola ngengxelo yakho yetyala.
Unelungelo lokufumana ingxelo yetyala enye simahla qho kwiinyanga ezili-12 kwinkampani nganye enika ingxelo ngetyala lomthengi kwilizwe lonke – i-Equifax, i-Experian neTransUnion.Le ngxelo yetyala yasimahla ayinakuqulatha amanqaku akho etyala kwaye inokucelwa ngale webhusayithi ilandelayo: https://www.annualcreditreport.com
Iimodeli zamanqaku ekhredithi zintsonkothile kwaye zihlala zihluka phakathi kwabatyalwayo kunye neentlobo ezahlukeneyo zetyala.Ukuba into enye iyatshintsha, amanqaku akho anokutshintsha - kodwa ukuphucuka ngokubanzi kuxhomekeke kwindlela loo nto inxulumana ngayo nezinye izinto eziqwalaselwa yimodeli.Kuphela ngumbolekisi onokuchaza oko kunokuphucula amanqaku akho phantsi kwemodeli ethile esetyenziselwa ukuvavanya isicelo sakho sekhredithi.
Nangona kunjalo, iimodeli zamanqaku zivavanya ezi ntlobo zilandelayo zolwazi kwingxelo yakho yetyala
Imbali yentlawulo ngokuqhelekileyo yinto ebalulekileyo.Kusenokwenzeka ukuba amanqaku akho aya kuchaphazeleka kakubi ukuba uhlawule amatyala emva kwexesha, une-akhawunti ebhekiswa kwingqokelela, okanye ubhengezwe njengebhanga, ukuba loo mbali ibonakaliswe kwingxelo yakho yetyala.
Iimodeli ezininzi zamanqaku zivavanya isixa setyala othe wathelekisa kunye nemida yakho yetyala.Ukuba isixa osibambayo sisondele kumda wetyala lakho, oko kunokuba nefuthe elibi kumanqaku akho.
Ngokubanzi, iimodeli ziqwalasela ubude berekhodi lakho letyala.Imbali yetyala engonelanga inokuba nefuthe kumanqaku akho, kodwa oko kunokupheliswa ngezinye izinto, ezinje ngeentlawulo ezifike ngexesha kunye neebhalansi eziphantsi.
Iimodeli ezininzi zamanqaku ziqwalasela ukuba usifakile isicelo sekhredithi kutshanje ngokujonga "imibuzo" kwingxelo yakho yekhredithi xa ufaka isicelo sekhredithi.Ukuba ufake isicelo seeakhawunti ezininzi ezintsha mva nje, oko kunokuchaphazela kakubi amanqaku akho.Nangona kunjalo, asiyiyo yonke imibuzo ebalwayo.Imibuzo ngababolekisi abajonga iakhawunti yakho okanye bajonge iingxelo zetyala ukwenza "prescreened" unikezelo lwamatyala alubalwa.
Nangona ngokuqhelekileyo kulungile ukuseka ii-akhawunti zekhredithi, ii-akhawunti ezininzi zekhadi letyala zinokuba nefuthe elibi kumanqaku akho.Ukongeza, iimodeli ezininzi zijonga uhlobo lweeakhawunti zetyala onazo.Umzekelo, phantsi kweemodeli ezithile zamanqaku, iimali-mboleko ezivela kwiinkampani zezimali zinokuchaphazela kakubi amanqaku akho etyala.
Iimodeli zamanqaku zinokusekelwa ngaphezu kolwazi olukwingxelo yakho yetyala.Umzekelo, imodeli inokuthathela ingqalelo ulwazi olusuka kwisicelo sakho setyala ngokunjalo: umsebenzi wakho okanye umsebenzi, ubude bengqesho, okanye ukuba unendlu na.
Ukuphucula amanqaku akho ekhredithi phantsi kweemodeli ezininzi, gxila ekuhlawuleni amatyala akho ngexesha, ukuhlawula ibhalansi eseleyo, kwaye ungathathi ityala elitsha.Kusenokuthatha ixesha ukuphucula amanqaku akho kakhulu.
UVavanyo luqikelelo lwexabiso lemalike yepropathi efanelekileyo.Luxwebhu olufunwa ngokubanzi (kuxhomekeke kwiprogram yemali-mboleko) ngumbolekisi ngaphambi kokuvunywa kwemboleko-mali ukuze kuqinisekiswe ukuba isixa-mali semali-mboleko ye-mortgage ayikho ngaphezu kwexabiso lepropati.UVavanyo lwenziwa "nguMvavanyi" ngokuqhelekileyo ingcali enikwe ilayisenisi karhulumente eqeqeshelwe ukunika izimvo zeengcali malunga namaxabiso epropathi, indawo ekuyo, izinto eziluncedo, kunye neemeko zomzimba.
Kwimali-mboleko yesiqhelo, xa intlawulo yakho ephantsi ingaphantsi kwe-20% yexabiso lokuthenga lababolekisi bezindlu zokuhlala badla ngokufuna ukuba ufumane i-Inshurensi ye-Mortgage ye-Private Mortgage (PMI) ukubakhusela xa uthe wasilela kwimali mboleko yakho.Ngamanye amaxesha kunokufuneka uhlawule ukuya kuthi ga kunyaka o-1 wentlawulo yezavenge ze-PMI ekuvaleni okunokubiza amakhulu aliqela eedola.Eyona ndlela yokuphepha le nkcitho ingaphezulu kukwenza i-20% yentlawulo ephantsi, okanye ubuze malunga nolunye ukhetho lwenkqubo yemali-mboleko.
Ipropati idluliselwa kuwe ngokusemthethweni ukusuka kumthengisi ukuya kuwe "Ukuvala" okanye "Inkxaso-mali".
Ekuvala, ubunini bepropati bugqithiselwa kuwe ngokusemthethweni ukusuka kumthengisi.Oku kunokubandakanya wena, umthengisi, ii-arhente zezindlu, igqwetha lakho, igqwetha lombolekisi, itayitile okanye abameli beefemu ze-escrow, oomabhalane, oonobhala kunye nabanye abasebenzi.Unokuba negqwetha elikumelayo ukuba awukwazi ukuzimasa intlanganiso yokuvala, oko kukuthi, ukuba ungaphandle kwelizwe.Ukuvala kunokuthatha naphi na ukusuka kwiyure enye ukuya kwiiyure ezininzi ngokuxhomekeke kwigatya lemeko enokwenzeka kwisithembiso sokuthenga, okanye naziphi na ii-akhawunti ze-escrow ezifuna ukusetwa.
Uninzi lwamaphepha ekuvaleni okanye ekuhlalisweni lwenziwa ngamagqwetha kunye neengcali zezindlu.Ungabandakanyeka okanye ungabandakanyekanga kweminye yemisebenzi yokuvala;kuxhomekeke ekubeni usebenza nabani.
Ngaphambi kokuba uvale kufuneka uhlolwe okokugqibela, okanye "uhambe-hamba" ukuze wenze i-inshurensi yokulungiswa okuceliweyo, kwaye izinto ekuvunyelwene ngazo ukuba zihlale kunye nendlu zikhona ezifana ne-drapes, izixhobo zokukhanyisa, njl.
Kumazwe amaninzi intlawulo igqityezelwa yitayitile okanye yifem ye-escrow apho uthumela khona zonke izinto kunye nolwazi kunye neetshekhi ezifanelekileyo ze-cashier ukuze ifemu ikwazi ukwenza intlawulo efanelekileyo.Ummeli wakho uya kuzisa itshekhi kumthengisi, aze akunike izitshixo.
Intshayelelo
Esi sihloko siqulethe ulwazi lwemali-mboleko yendlu ekwixabiso eliphezulu, kuquka:
· Inkcazelo yeHPML
· Iimfuno zemboleko yeHPML
Inkcazo yeHPML
Ngokubanzi, imali-mboleko yokuthenga indlu enexabiso eliphezulu lepesenteji yonyaka, okanye i-APR, ephezulu kunomlinganiselo obizwa ngokuba yi-Average Prime Offer Rate.
I-Average Prime Offer Rate (APOR) yipesenti yepesenti yonyaka esekelwe kumlinganiselo wenzala, imirhumo, kunye neminye imiqathango kwi-mortgages enikezelwa kubaboleki abaqeqeshwe kakhulu.
I-mortgage yakho iya kuthathwa njengexabiso eliphezulu lemali-mboleko yokubambisa ukuba i-APR yipesenti ethile ephezulu kune-APOR ngokuxhomekeke kuhlobo lwemali mboleko onayo:
· Iimali mboleko zokuqala: I-APR yipesenti ye-1.5 yamanqaku okanye ngaphezulu kwe-APOR.
· I-Jumbo Loan: I-APR yipesenti ezi-2.5 okanye ngaphezulu kune-APOR
· I-subordinate-lien mortgages (i-2nd Lien): I-APR yale mali yokubambisa yipesenti ye-3.5 amanqaku okanye ngaphezulu kwe-APOR
Iimfuno mboleko zeHPML
I-mortgage loan-ixabiso eliphezulu liya kuba libiza kakhulu kune-mortgage enemiqathango ephakathi.Ke ngoko, umbolekisi wakho kuya kufuneka athathe amanyathelo ongezelelweyo ukuqinisekisa ukuba unokuhlawula imali mboleko yakho kwaye awuyi kusilela.Umbolekisi wakho unokufuneka ukuba:
·Fumana uvandlakanyo olupheleleyo lwangaphakathi kumntu onelayisenisi okanye umxabisi oqinisekisiweyo
·Nikezela ngovavanyo lwesibini lwekhaya lakho simahla, ukuba likhaya “eliphetshiweyo”
·Kwiimeko ezininzi, gcina i-akhawunti ye-escrow ubuncinane iminyaka emihlanu
Intshayelelo
Esi sihloko siqulethe ulwazi lwe-ATR Rule kunye ne-Qualify Mortgage, kuquka:
· Yintoni umthetho we-ATR?
· Iindidi zemboleko zixolelwe kwi-Qualify Mortgage
Yintoni umthetho we-ATR?
Umthetho wokukwazi ukubuyisela kukuzimisela okufanelekileyo kunye nokuthembeka okufanelekileyo uninzi lwababolekisi bezindlu ezifunekayo ukuze ukwazi ukuhlawula imali-mboleko.
Phantsi komthetho, ababolekisi kufuneka bafumanise, baqwalasele, kwaye babhale ingeniso yomboleki, ii-asethi, umsebenzi, imbali yetyala kunye neendleko zenyanga.Ababolekisi abanako nje ukusebenzisa ingeniso okanye ireyithi “ye teaser” ukubona ukuba lowo ubolekayo unokuyibuyisa na imali-mboleko.Ngokomzekelo, ukuba imali-mboleko inezinga eliphantsi lenzala elinyukayo kwiminyaka kamva, umbolekisi kufuneka enze umzamo ofanelekileyo wokufumanisa ukuba umboleki unokuhlawula inzala ephezulu.
Enye indlela umbolekisi onokulandela ngayo umthetho wokukwazi ukubuyisela kukwenza “i-Qualified Mortgage”.
Iindidi zeMali-mboleko zikhululwe kwi-Qualify Mortgage
· Ixesha “lenzala-kuphela”, xa uhlawula inzala kuphela ngaphandle kokuhlawula inqununu, isixa semali oyibolekileyo.
· “Negative amortization” enokuvumela inqununu yemali-mboleko yakho ukuba inyuke ngokuhamba kwexesha, nangona usenza iintlawulo.
· “Iintlawulo zebhaluni” eziyintlawulo enkulu kunesiqhelo ekupheleni kwexesha lemali-mboleko.Ixesha lemali-mboleko bubude bexesha ekufuneka uhlawulwe ngalo imali-mboleko yakho.Qaphela ukuba iintlawulo zebhaluni zivumelekile phantsi kweemeko ezithile zeemali-mboleko ezenziwe ngababolekisi abancinci.
· Imiqathango yemali-mboleko engaphezulu kweminyaka engama-30.
Iibhondi ezithembekileyo zenzelwe ukukhusela abanini-polisi babo kuyo nayiphi na ilahleko eyenzeka ngenxa yezenzo eziyingozi okanye ezikhohlisayo ngamaqela achazwe ngokuthe ngqo.Kwiimeko ezininzi, iibhondi zokuthembeka zisetyenziselwa ukukhusela iinkampani kwizenzo zabasebenzi abanganyanisekanga.
Ngaphandle kwento yokuba zibizwa ngokuba ziibhondi, iibhondi zokuthembeka luhlobo lwepolisi ye-inshurensi kumashishini/abaqeshi, ibaqinisekisa ngokuchasene nokulahlekelwa yilahleko evela kubasebenzi (okanye abathengi) abathi ngabom babangele umonakalo kwishishini.Bagubungela naziphi na izenzo ezinceda ngokungafanelekanga umqeshwa ngokwasezimalini okanye zenzakalise ngabom ishishini ngokwasezimalini.Iibhondi ezithembekileyo azikwazi ukuthengiswa kwaye azifumani nzala njengeebhondi eziqhelekileyo.
Isishwankathelo
Iibhondi ezithembekileyo zikhusela abanini-polisi kwizenzo ezikhohlakeleyo neziyingozi ezenziwa ngabasebenzi okanye abathengi.
Kukho iintlobo ezimbini zeebhondi zokuthembeka: iibhondi zomntu wokuqala (ezikhusela iinkampani kwizenzo eziyingozi zabasebenzi okanye abathengi) kunye neebhondi zeqela lesithathu (ezikhusela iinkampani kwizenzo eziyingozi zabasebenzi abaqeshwe ngemvumelwano).
Iibhondi ziluncedo kuba ziyinxalenye yeqhinga lolawulo lomngcipheko wenkampani, zikhusela inkampani ngokuchasene nezenzo ezinokuchaphazela kakubi impahla yazo.
Iibhondi zibandakanya izinto ezininzi ezifanayo ezikhuselwe yi-inshorensi esisiseko yolwaphulo-mthetho efana nokuqhekeza nobusela, kodwa zikwaquka izinto ezinokuthi le migaqo-nkqubo ingabinako.Oku kubandakanya izinto ezinjengobuqhetseba, ubuqhophololo, ubuqhophololo, kunye nezinye ezininzi zolwaphulo-mthetho “lwekhola emhlophe” ezinokuthi zenziwe ngabasebenzi kumaziko emali nakwiinkampani ezinkulu.
Imali mboleko yezindlu-eyaziwa ngokuba yimali mboleko, i-equity installment loan, okanye i-mortgage yesibini-luhlobo lwetyala lomthengi.Imali mboleko yezindlu ivumela abaninimzi ukuba baboleke ngokuchasene ne-equity kwikhaya labo.Isixa-mali semali-mboleko sisekelwe kumahluko phakathi kwexabiso lemalike yendlu yangoku kunye nebhalansi yendlu yomnini-ndlu efunekayo.Iimali-mboleko ze-equity yezindlu zikholisa ukuba ne-fixed-rate, ngelixa enye indlela eqhelekileyo, i-home equity lines of credit (HELOCs), idla ngokuba namaxabiso aguquguqukayo.
IZINTO EZINGUNDOQO:
Imali mboleko yezindlu, ekwabizwa ngokuba “yimali-mboleko yesavenge sokulingana kwezindlu” okanye “imali mboleko yesibini,” luhlobo lwetyala lomthengi.
Imali mboleko yezindlu ivumela abaninimzi ukuba baboleke ngokuchasene ne-equity kwindawo yabo yokuhlala.
Imali mboleko yezindlu isekelwe kumahluko phakathi kwexabiso lemalike yendlu yangoku kunye nebhalansi yemali mboleko efunekayo.
Iimali mboleko zezindlu ziza kwiindidi ezimbini—imali-mboleko esisigxina kunye nemigca yetyala ye-home equity of credit (HELOCs).
Iimali-mboleko zezindlu ezinomlinganiselo osisigxina zibonelela ngesixa esinye, ngelixa i-HELOC inika ababoleki imigca yetyala ejikelezayo.
Kwintengiselwano yemali ebambezelekayo, unokukhupha imali kwipropati ngoko nangoko ukuze uhlawule ixabiso lokuthenga kunye neendleko zokuvala zepropati obuyithenge ngemali eziinkozo ngaphambili..Oku kukuvumela ukuba ube nethuba lokuba ngumthengi wemali kwaye unike abathengisi ithuba lokwazi ukuba intengiselwano iya kuvala, ngelixa ikunika amandla okufumana imali mboleko kungekudala emva koko ukuze uphephe ukuba yonke imali oyongile ibotshelelwe endlwini yakho.
Unokucinga ngokulibaziseka kwenkxaso-mali njengendlela yokuzinika inzuzo yothethathethwano oluza kunye nokuhlawula ngemali ezinkozo zekhaya, ngelixa usazinika uguquko lwexesha elide lwezemali olufumaneka ngokwenza iintlawulo zenyanga kwi-mortgage endaweni yokuzenzela "indlu". lihlwempu.”
Iiakhawunti ze-Escrow impound zezo akhawunti ababolekisi bazimisayo ukuze baqokelele imali 'phezulu' kuwe xa uthatha imali-mboleko yokuhlawula iindleko zexesha elizayo ezifana nerhafu yepropathi kunye ne-inshurensi.Ababolekisi bayathanda ukuseta ezi akhawunti zeimpound, njengoko beqinisekile ukuba irhafu yepropathi kunye ne-inshurensi ziya kuhlawulwa kwangethuba, njengoko baya kubamba imali kwaye bakuhlawulele ezi ndleko.
Ixabiso lokurenta libalulekile ekuthengeni ipropathi yotyalo-mali.Singalibona njani ixabiso lerenti ngoko?Ezi webhusayithi zilandelayo zinokukunceda.
Akukho login efunekayo, simahla.
Zillow.com
http://www.realtor.com/
Ezi webhusayithi zimbini zingasentla zisetyenziswa kakhulu.Banoluhlu lwezinto ezinkulu, ezona ndawo zigcwele indawo, kwaye zibonelela ngeenkonzo ezithatha umninimzi ukusuka kwintengiso ukuya kwingqokelela yerenti.
https://www.huduser.gov/portal/datasets/fmr.html
Iwebhusayithi esemthethweni ye-OFISI YOPHUHLISO LOMGAQO-NKQUBO NOPHANDO.
Ezo webhusayithi zintathu zingentla kufuneka zanele ukuba wazi irenti yentengiso eqikelelweyo.
Nangona kunjalo, le yereferensi yakho kuphela, ukuba ingeniso yerenti iya kusetyenziselwa umvuzo ofanelekileyo, ingxelo yovavanyo okanye isivumelwano sokuqeshisa sisenokufuneka.
Iimali-mboleko eziqhelekileyo zineemfuno ezisikelwe umda zomlinganiselo we-DTI/ oovimba/i-LTV/ imeko yetyala.Ngokubanzi, uninzi lwababoleki banokufaneleka kwimali mboleko eqhelekileyo kunye nomvuzo ophezulu kunye namanqaku ekhredithi.Ngelixa kwabanye ababoleki, umvuzo wabo ungaphantsi okanye uneentlobo ezahlukeneyo zengeniso, okukhokelela kwimbuyekezo yerhafu embi;Iimali-mboleko zikaFannie Mae zinokungazamkeli ezi ntlobo ukuba iimali mboleko zendlu.
Kule meko, unokuzama ukufumana umbolekisi obonelela ngeemveliso ezingezizo ze-QM.I-AAA Lendings ngoku ibonelela ngeNkcazo yeBhanki, iPlatinum Jumbo, i-Investor Cash Flow (Akukho mfuneko yolwazi lomsebenzi, Akukho mfuneko ye-DTI), ukuchithwa kwe-Asethi kunye neenkqubo zeSizwe zangaphandle.Wonke umntu unokufumana imveliso efanelekileyo enezinga eliphantsi kunye nexabiso elihle.
Nantsi imizekelo embalwa yeemeko ezinombulelo mva nje:
Abatyali-zimali bezindlu ezinezakhiwo ezininzi ezibandakanya iicondos ezingenawaranti.----UMtyali weMali
Umboleki ozisebenzelayo onetyala eligqwesileyo nomvuzo wakhe ochazwe kwimbuyekezo yerhafu awusayi kubenza bafanelekele ukufumana ikhaya elitofotofo abanako ukulihlawula.----Ingxelo yeBhanki Kuphela
Imeko yokuwa apho umntu obolekayo wayeneminyaka emibini kuphela ngaphandle kokuvalwa.---- Platinum Jumbo
Umboleki wathengisa ishishini labo lezigidi ngezigidi zeedola emva koko wafumana ikhaya lamaphupha abo kodwa wayengenawo umthombo wengeniso yokuwabhala.----Asset Depletion