Ii-FAQs

FAQ

IMIBUZO EBUZWA QHO

1. Kufuneka ndibonelelwe nini kwakhona ngemali?

Ngokubanzi lixesha elilungileyo lokuxhasa ngemali kwakhona 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.

2. Athini amanqaku?

Inqaku 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 yokubambisa ngokuhlawula enye yale nzala kwangaphambili.Ababolekisi banokubhekisa kwiindleko ngokwemigaqo yamanqaku asisiseko kwikhulu leepesenti, i-100 isiseko samanqaku = inqaku eli-1, okanye i-1% yemali-mboleko.

3. Ngaba kufuneka ndihlawule amanqaku ukuthoba inzala yam?

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 isixa semali-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.

4. Yintoni i-APR?

Ipesenti yepesenti yonyaka (APR) lizinga lenzala ebonisa ixabiso lemali mboleko njengexabiso lonyaka.Eli xabiso linokuthi libe phezulu kunomlinganiselo wenqaku elichaziweyo okanye izinga elibhengeziweyo kwi-mortgage, kuba ithathela ingqalelo amanqaku kunye nezinye iindleko zekhredithi.I-APR ivumela abathengi bamakhaya ukuba bathelekise iintlobo ezahlukeneyo zeemali mboleko ezisekelwe kwiindleko zonyaka kwimali-mboleko nganye.I-APR yenzelwe ukulinganisa "iindleko zokwenyani zemboleko."Yenza ibala lokudlala elisemgangathweni kubabolekisi.Ithintela ababolekisi ekukhangiseni izinga eliphantsi kunye neefizi zokufihla.
I-APR ayizichaphazeli iintlawulo zakho zenyanga.Iintlawulo zakho zenyanga zingumsebenzi ongqongqo wezinga lenzala kunye nobude bemali-mboleko.
Ngenxa yokuba izibalo ze-APR zenziwe ngeentlawulo ezahlukeneyo ezahlukeneyo ezibizwa ngababolekisi, imali-mboleko ene-APR ephantsi ayithethi ukuba lolona mlinganiselo ubhetele.Eyona ndlela ingcono yokuthelekisa iimali-mboleko kukucela ababolekisi ukuba bakunike uqikelelo lokuthembeka kweendleko zabo kuhlobo olufanayo lwenkqubo (umz. iminyaka engama-30 emiselweyo) kwangaxeshanye wenzala.Ungacima ke imirhumo ezimeleyo kwimali-mboleko efana ne-inshurensi yabanini-zindlu, imirhumo yetayitile, imirhumo ye-escrow, imirhumo yegqwetha, njl.njl. Ngoku dibanisa zonke iimali-mboleko.Umbolekisi onemali mboleko ephantsi unemali mboleko exabiso liphantsi kunomboleki onemali mboleko ephezulu.
Le mirhumo ilandelayo ibandakanyiwe ngokubanzi kwi-APR:
Amanqaku - zombini amanqaku esaphulelo kunye neendawo zokuqala
Inzala ehlawulwa kwangaphambili.Inzala ehlawulweyo ukusuka kumhla wokuvalwa kwemboleko ukuya ekupheleni kwenyanga.
Imali-mboleko yokulungisa imali
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

5. Kuthetha ukuthini ukutshixa inzala?

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.

6. Ngawaphi amaxwebhu endiwadingayo ukuze ndilungiselele isicelo sam semali-mboleko?

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 ukukhawuleza 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:
Nikela ngembuyekezo yerhafu epheleleyo kule minyaka mibini idlulileyo 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, ngokunjalo, 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
Ukuthengiswa kwendlu yakho esele ikhona - nikeza ikopi yesivumelwano sokuthengisa 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 kweemali
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 isondlo somntwana okanye isondlo somntwana, bandakanya ukuhlaliswa komtshato/umyalelo wenkundla ochaza imiqathango yesibophelelo
Khangela ukuhlawulela i(imi)siCelo

7. Ityala lam ligwetywa njani ngababolekisi?

Amanqaku okuthenga ngetyala yinkqubo esetyenziswa ngababolekisi ukuze babone ukuba bakunike na ngetyala.Ulwazi malunga nawe kunye namava akho okuthenga ngetyala, afana nembali yokuhlawula amatyala akho, inombolo kunye nohlobo lweeakhawunti onazo, iintlawulo zasemva kwexesha, izenzo zokuqokelela, ityala elingekahlawulwa, kunye neminyaka yee-akhawunti 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

8. Ndingenza ntoni ukuphucula amanqaku am amatyala?

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

9. Ngaba uwahlawule ngexesha amatyala akho?

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.

10. Lithini ityala lakho oseleyo?

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.

11. Ingakanani imbali yakho yetyala?

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.

12. Ngaba wenze isicelo sekhredithi entsha kutsha nje?

Iimodeli ezininzi zamanqaku ziqwalasela ukuba usifakile na isicelo sekhredithi 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.

13. Zingaphi kwaye zeziphi iintlobo zeeakhawunti zetyala onazo?

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.Kunokuthatha ixesha ukuphucula amanqaku akho kakhulu.

14. Yintoni uvandlakanyo?

UVavanyo luqikelelo lwexabiso lemalike yepropathi efanelekileyo.Luxwebhu olufunwa ngokubanzi (kuxhomekeke kwiprogram yemali-mboleko) ngumbolekisi ngaphambi kokuvunywa kwemboleko-mboleko ukuqinisekisa 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 zezakhiwo.

15. Yintoni i-PMI (i-Inshurensi ye-Mortgage yangasese)?

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 mboleko.

16. Kwenzeka ntoni xa kuvalwa?

Ipropati idluliselwa kuwe ngokusemthethweni ukusuka kumthengisi ukuya kuwe "Ukuvala" okanye "Inkxaso-mali".

Ekuvaleni, 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 kokuvala 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, kwaye akunike izitshixo.

17. Yintoni “imali-mboleko yokuthenga indlu enexabiso eliphezulu”?

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 yamanqaku 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:
·Fumana uvandlakanyo olupheleleyo lwangaphakathi kumntu onelayisenisi okanye umxabisi oqinisekisiweyo
·Bonelela ngovavanyo lwesibini lwekhaya lakho simahla, ukuba likhaya “eliphetshiweyo”
•Kwiimeko ezininzi, gcina i-akhawunti ye-escrow ubuncinane iminyaka emihlanu

18. Yintoni i-Ability-to-Repay Rule kwaye zeziphi iimali-mboleko ezingavunyelwanga yi-Qualified Mortgage?

Intshayelelo
Esi sihloko siqulethe ulwazi lwe-ATR Rule kunye ne-Qualify Mortgage, kuquka:
· Yintoni umthetho we-ATR?
· Iindidi zemali-mboleko zikhululwe kwi-Qualify Mortgage

Yintoni umthetho we-ATR?

Umgaqo wokukwazi ukubuyisela kukuzimisela okufanelekileyo kunye nokuthembeka okufanelekileyo uninzi lwababolekisi bezindlu ezifunekayo ukuze ukwazi ukubuyisela imali mboleko.

Phantsi komthetho, ababolekisi kufuneka bafumanise, baqwalasele, kwaye babhale ingeniso yomboleki, ii-asethi, umsebenzi, imbali yetyala kunye neendleko zenyanga.Ababolekisi abanakusebenzisa nje introduction okanye “teaser” rate ukufumanisa ukuba lowo ubolekayo unokuyibuyisela na imali-mboleko.Ngokomzekelo, ukuba i-mortgage inezinga eliphantsi lenzala elinyukayo kwiminyaka kamva, umbolekisi kufuneka enze umzamo ofanelekileyo wokufumanisa ukuba umboleki unokuhlawula ixabiso lenzala ephezulu.
Enye indlela umbolekisi onokulandela ngayo umgaqo 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 ukuba inyuke ngokuhamba kwexesha, nangona uhlawula.
· “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.

19. Yintoni iFidelity Bonds?

Iibhondi ezithembekileyo zenzelwe ukukhusela abanini-polisi bazo kuyo nayiphi na ilahleko eyenzeka ngenxa yezenzo eziyingozi okanye ezinobuqhetseba 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-inshorensi kumashishini/abaqeshi, ibaqinisekisa ukuba balahlekelwe yilahleko ebangelwa ngabasebenzi (okanye abathengi) abathi ngabom babangele umonakalo kwishishini.Bajongana naziphi na izenzo ezinceda ngokungafanelekanga umqeshwa ngokwezimali okanye zenzakalise ngabom ishishini ngokwasezimalini.Iibhondi ezithembekileyo azinakuthengiswa 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 zangaphandle (ezikhusela iinkampani kwizenzo eziyingozi zabasebenzi abaqeshwe ngemvumelwano).
Iibhondi ziluncedo kuba ziyinxalenye yesicwangciso solawulo lwengozi yenkampani, zikhusela inkampani ngokuchasene nezenzo ezinokuchaphazela kakubi impahla yazo.

Iibhondi zikhusela izinto ezininzi ezifanayo ezikhuselwe yi-inshorensi yolwaphulo-mthetho esisiseko njengokuqhekeza kunye nobusela, kodwa zikwaquka izinto ezinokuthi le migaqo-nkqubo ingabinako.Oku kubandakanya izinto ezinjengobuqhophololo, ubuqhophololo, ubuqhophololo, kunye nezinye ezininzi zolwaphulo-mthetho “lwekhola emhlophe” ezinokuthi zenziwe ngabasebenzi kumaziko emali nakwiinkampani ezinkulu.

20. Yintoni iMali-mboleko ye-Home Equity?

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 nezinga elimiselweyo, ngelixa enye indlela eqhelekileyo, i-home equity lines of credit (HELOCs), idla ngokuba namaxabiso aguquguqukayo.

IZINTO EZINGUNDOQO:
Imali mboleko yezindlu, ekwabizwa ngokuba “yimali mboleko yokuthenga izindlu” 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).
Imali mboleko yezindlu enexabiso elimisiweyo ibonelela ngesixa esinye, ngelixa i-HELOC ibonelela ababoleki ngetyala elijikelezayo.

21. Yintoni elibazisekayo ukuxhasa ngemali?

Kwintengiselwano yemali ebambezelekile, 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 uthintele 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.”

22. Yintoni i-impound kwi-mortgage yendlu?

Ii-akhawunti 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.

23. Ukwazi njani uqikelelo lwerenti yemarike?

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 lweempahla ezinkulu, ezona ndawo zininzi zetrafikhi, 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.

24. Kuthekani ukuba andinakufanela ukubolekwa imali eqhelekileyo?

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 zinokungalwamkeli olu hlobo ukuba iimali mboleko zendlu.
Kule meko, unokuzama ukufumana umntu obolekisa ngemali obonelela ngeemveliso ezingezizo ze-QM.I-AAA Lendings ngoku inikezela ngeNkcazo yeBhanki, i-Platinum 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 nezindlu ezineepropati ezininzi ezibandakanya iicondos ezingenawaranti.----UMtyali weMali
Umboleki ozisebenzelayo onetyala eligqwesileyo nomvuzo wakhe ochazwe kwimbuyekezo yerhafu ungabafanelanga ukufumana ikhaya elitofotofo abanokulifikelela.----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 wayengenamthombo wengeniso yokubhala.----Asset Depletion

UFUNA UKUSEBENZA NATHI?