11/28/2023

Ukuqalisa kuhambo lobuninimzi kubangela umbuzo obalulekileyo: Ngawaphi amanqaku okuthenga ngetyala owafunayo ukuze uthenge indlu?Ukujonga ubunzima bamanqaku ekhredithi kumxholo wokuthenga ikhaya kubalulekile.Esi sikhokelo sibanzi sijolise ekutyhileni izinto ezintsonkothileyo, sinikezela ngezimvo ezixabisekileyo kunye neengcebiso ezinokuthatha amanyathelo okukuxhobisa ekuphumezeni iinjongo zakho zobunini-khaya.

Ukucacisa iNqaku laManqaku eTyala

Iziseko zeNqaku leTyala:

Eyona nto iphambili, inqaku lekhredithi lisebenza njengesalathisi samanani somntu ngamnye, equka imbali yakhe yekhredithi kunye nokuziphatha kwezemali.EUnited States, inqaku leFICO, ukusuka kuma-300 ukuya kuma-850, limi njengowona mzekelo ubalaseleyo wokufumana amanqaku.

Impembelelo ekuThengweni kweKhaya:

Ukubaluleka kwamanqaku akho okuthenga ngetyala kubonakala ngokucacileyo kwinkqubo yokuvunywa kwe-mortgage.Ababolekisi bayawongamela eli nqaku ukuhlola umngcipheko onxulumene nokuboleka kwakho.Amanqaku aphezulu entengo yetyala ahlala eguqulela kwimimiselo encomekayo yemali-mboleko, enefuthe kwinzala kunye nokhetho lwemali-mboleko.

Ukutyhutyha iSpectrum yamanqaku etyala

Kugqwesileyo (800-850):

Abantu abanekhredithi ebalaseleyo bafumana eyona migaqo ilungileyo yemali-mboleko kunye nenzala.Imbali yabo yetyala iphawulwa kukuphila ixesha elide, ukungafezeki, kunye neemeko ezincinci zokuhlawulwa kade okanye ukusetyenziswa kwetyala.

Ilunge kakhulu (740-799):

Abo bakuluhlu lwetyala oluncomekayo basaxhamla kwizikhundla eziluncedo, befaneleka ukufumana izivumelwano zokubambisa kunye nenzala ekhuphisanayo.

Okuhle (670-739):

Amanqaku alungileyo etyala abonisa imbali eyomeleleyo yetyala, evumela ababoleki ukuba bakhusele imali-mboleko ngokubanzi.Nangona kunjalo, amagama asenokungathandeki njengalawo anamanqaku aphezulu.

Ukulunga (580-669):

Kuluhlu lwetyala elifanelekileyo, ababoleki banokujamelana nemingeni ethile yetyala.Ngelixa ukufumana imali-mboleko yemali-mboleko kunokwenzeka, imimiselo isenokungathandeki kangako, ibe nenzala ephezulu.

Amahlwempu (300-579):

Abantu abanetyala elilambathayo badibana nemiqobo emikhulu ekufumaneni imali yokubambisa.Ababolekisi basenokubajonga njengabantu abasengozini enkulu yokuboleka, nto leyo ebangela ukuba kube nzima ukufumana amagama afanelekileyo.

Ubuncinane beNqaku leTyala kwiindidi ezahlukeneyo zeMali-mboleko

Iimali-mboleko eziqhelekileyo:

Kwimali-mboleko eqhelekileyo, ubuncinci bamanqaku ekhredithi angama-620 ayimfuneko.Nangona kunjalo, ukujolisa amanqaku angama-740 okanye ngaphezulu kuyacetyiswa kumagama avumayo.

Imali-mboleko ye-FHA:

Iimali-mboleko ze-FHA zibonisa ububele obungakumbi, obuvumela ababoleki abanamanqaku etyala angaphantsi kwama-500 ukuba bafaneleke.Nangona kunjalo, amanqaku angama-580 okanye ngaphezulu akhethwa kwintlawulo ephantsi.

VA Imali-mboleko:

Imali-mboleko ye-VA, eyenzelwe amagqala kunye namalungu omkhosi asebenzayo, ihlala ineemfuno zetyala ezibhetyebhetye.Ngelixa kungekho buncinci busemthethweni, amanqaku angaphezu kwama-620 acetyiswa ngokubanzi.

Imali-mboleko ye-USDA:

Imali-mboleko ye-USDA, eyenzelwe ababoleki abanemivuzo ephantsi ukuya kwephakathi kwiindawo ezisemaphandleni, idla ngokufuna amanqaku etyala angama-640 okanye ngaphezulu.

Ukuphakamisa iNqaku lakho leTyala lokuThenga iKhaya

1. Jonga ingxelo yakho yeTyala:

• Qwalasela ingxelo yakho yetyala rhoqo ngeempazamo.
• Khawuleza uphikise nakuphi na ukungachaneki ukuqinisekisa ukumelwa okuyiyo kwembali yakho yetyala.

2. IiNtlawulo kwangexesha:

• Hlakulela umkhwa wokuhlawula zonke iibhilikhwe ngexesha ukuseka imbali yentlawulo efanelekileyo.
• Cinga ngokuseka iintlawulo ezizenzekelayo zokunciphisa umngcipheko wemihla efunekayo.

3. Nciphisa iTyala eliNgahlawulwayo:

• Zama ukunciphisa ibhalansi yekhadi lokuthenga ngetyala kunye netyala xa lilonke.
• Gcina ukusetyenziswa kwetyala kungaphantsi kwama-30% omlinganiselo wakho wetyala.

4. Kuphephe Ukuvula Iindlela eziNtsha zeTyala:

• Ukuvula ii-akhawunti ezintsha zekhredithi kunokunciphisa okomzuzwana amanqaku akho ekhredithi.
• Nciphisa imibuzo emitsha ngetyala, ngakumbi xa ukufutshane nenkqubo yokuthenga ikhaya.

5. Dibana noMcebisi weTyala:

• Ukuba kuyimfuneko, funa isikhokelo kumcebisi wamatyala ukwenza isicwangciso esilungelelanisiweyo sokuphucula.

Ukuqukumbela

Ukuqukumbela, inqaku letyala elifunekayo ukuze kuthengwe indlu lixhomekeke kwizinto ezahlukeneyo, kuquka uhlobo lwemali-mboleko kunye nemilinganiselo ethile yombolekisi.Ngelixa ezinye iinkqubo zemboleko zithatha amanqaku asezantsi etyala, ukufuna amanqaku aphezulu kukhulisa kakhulu amandla akho okufumana izivumelwano ezifanelekileyo zokubambisa.Ukubeka iliso rhoqo kwityala lakho, ukulungisa ngokukhawuleza nakuphi na ukungangqinelani, kunye nokwamkela imikhwa enoxanduva lwezemali ngamanyathelo aluncedo ekufikeleleni kwinqaku letyala lakho ekujoliswe kulo kwaye, ngenxa yoko, ukufezekisa iphupha lakho lobuninimzi.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.