Ubunini-zindlu obufikelelekayo: Imali-mboleko yoLuntu ngaphandle kwemithintelo yoMvuzo kunye neZibonelelo zoMthengi wokuQala

Ukuthenga ikhaya kuye kwaba lula ngeMali-mboleko yoLuntu eyenzelwe iNdawo yokuhlala yaseprayimari kuphela. Le nkqubo ikhethekileyo ayiboneleli uhlengahlengiso lweLLPA ekuthengeni,akukho ngenisoizithintelo njengezinye iinkqubo abancedisi, kwaye ibandakanya amathuba abathenga ekhaya okokuqala. Ngaphezu koko, iiarhente zinokuzuza kwiinkuthazo ezongezelelweyo, ziyenza iphumelele abathengi kunye neengcali zezindlu nezindlu ngokufanayo.

Iimpawu eziphambili zeNkqubo yeMali-mboleko yoLuntu

1. Indawo yokuhlala yokuqala kuphela

Imali-mboleko yoLuntu igxile ekuncedeni abathengi bakhusele amakhaya abajonge ukuhlala kuwo, ukuqinisekisa uzinzo kwiintsapho nakubantu ngabanye.

2. Akukho Lungiso lweLLPA ekuThengweni

Ngokungafaniyo neemveliso zendlu-mboleko yemveli, akukho luhlenga-hlengiso lwexabiso lemali-mboleko (LLPA) lokuthenga. Oku kuvumela amaxabiso angaguqukiyo kunye nokhuphiswano, ukonga abathengi iindleko ezingeyomfuneko.

3. Akukho zithintelo zeNgeniso njengezinye iiNkqubo zoNcedisi

Ngelixa iinkqubo ezininzi zibeka umda wengeniso, iiMali-mboleko zoLuntu azinazithintelo zengeniso, zibonelela ngofikelelo olubanzi kwinkxaso-mali yekhaya kubathengi kumanqanaba ahlukeneyo omvuzo.

4. Abathengi basekhaya okokuqala bamkelekile

Imali-mboleko yoLuntu ibonelela abantu abaqalayo ukuthenga izindlu ngaphandle kwemida eyongezelelweyo, nto leyo eyenza kube lula kubathengi abatsha ukuphumeza iinjongo zabo zobunini-zindlu.

5. Inkuthazo eyongezelelweyo kwiiarhente

Abathengisi bezindlu nezindlu banokuzuza kwinkuthazo eyongezelelweyo, intsebenziswano ekhuthazayo kunye nomvuzo kwimizamo yabo yokunceda abathengi baqhubele phambili inkqubo.

6. Landela iziKhokelo ze-Arhente

Imali-mboleko yoLuntu ithobela ngokungqongqo izikhokelo ze-arhente ezibekwe nguFannie Mae kunye noFreddie Mac. Oku kuqinisekisa ukungaguquguquki, ukuthotyelwa, kunye nokuthembeka kwisiqinisekiso semali-mboleko, ukuqinisekiswa kwengeniso, kunye neemfuno zovavanyo lwepropathi.

Kutheni Khetha iiMali-mboleko zoLuntu?

Imali-mboleko yoLuntu isusa imiqobo ehlala yenza ukuba ubunini-zindlu buzive bungafikeleleki. Ngeempawu ezifana nokungabinazithintelo zengeniso kwaye akukho luhlengahlengiso kwi-LLPA yokuthenga, abathengi banokukonwabela ukuguquguquka okukhulu kunye nokonga kuyo yonke inkqubo yemboleko.

Kubathengi bezindlu bokuqala, le nkqubo yenza lula ukufaneleka kwi-mortgage, isusa imiqobo ebangelwa yimida yengeniso ebonwa kwezinye iinkqubo zokuncedisa. Ukongeza, ii-arhente zixhamla kwiinkuthazo ezenzelwe ukuvuza iinzame zabo, ukudala inkqubo engenamthungo kuwo onke amaqela abandakanyekayo.

Iintlobo zokufaneleka kunye nePropati

- Ukuhlala: Indawo yokuhlala esisiseko kuphela

- Iindidi zePropati: Amakhaya afanelekileyo abandakanya i-1-unit, ii-PUDs, kunye ne-2-4 yeyunithi yokuhlala. Ii-Condos, amakhaya enziweyo, nomhlaba wokulima awubandakanywa.

- Inqaku le-FICO: Ubuncinci bekhredithi yamanqaku angama-620, ngokuxhomekeke kwiziphumo ze-AUS.

- IMigaqo yeMali-mboleko: iminyaka eyi-15 kunye ne-30 yeminyaka mboleko enezinga elimiselweyo, kubandakanywa iinketho ze-arhente eziphezulu.

Ukuqukumbela

Ukuba ungumthengi wezindlu okokuqala okanye iarhente ekhangela inkqubo ethembekileyo, iiMali-mboleko zoLuntu zibonelela ngesisombululo esigqibeleleyo. Ngaphandle kohlengahlengiso lwe-LLPA yokuthenga, akukho zithintelo zengeniso njengezinye iinkqubo zabancedisi, kunye nokugxila kwiNdawo yokuHlala yasePrayimari Kuphela, le nkqubo yemali-mboleko yenza lula kwaye ilungelelanise indlela eya kubunini-khaya.

Jonga izibonelelo zeMali-mboleko yoLuntu namhlanje kwaye ufumanise ukuba le nkqubo, ehambelana nezikhokelo ze-arhente, inokukunceda njani ukuba ufezekise iphupha lakho lobunini bezindlu ngokulula.