Ukuqonda iiMali-mboleko eziZinzileyo zeminyaka engama-30 engeyiyo ye-Arhente yeeCondos ezingaQinisekisiweyo

Xa uzulazula kwihlabathi elintsonkothileyo lenkxaso-mali yezindlu nezindlu, ngakumbi e-United States, umntu unokuhlangabezana nemibandela ethile enokubonakala isoyikisa. Amagama amabini anjalo athi "Non-Arhente 30-iminyaka esisigxina" kunye ne "Non-Warrantable Condo." Ukuqonda ezi ngqikelelo kubalulekile kwabo bajonge ukukhusela imali-mboleko yepropathi eyodwa. Eli nqaku lijolise ekucaciseni la magama kunye nokucacisa indlela ahlangana ngayo.

Yintoni iMali-mboleko eZinzileyo yeminyaka engama-30 engeyiyo ye-Arhente?

Imali-mboleko engaguqukiyo yeminyaka engama-30 ye-Arhente luhlobo lwemali-mboleko engahambelani nezikhokelo ezibekwe ngamaqumrhu axhaswa ngurhulumente afanaUFannie Maeokanye uFreddie Mac. Ngokungafaniyo nemali-mboleko eqhelekileyo, imali-mboleko engeyiyo ye-Arhente idla ngokunikezelwa ngababolekisi babucala kwaye inokuguquguquka ngakumbi ngokwemiqathango yabo. Icandelo elithi "30-Year Fixed" lithetha ukuba izinga lenzala lihlala lingatshintshi kwisithuba seminyaka engama-30, libonelela uzinzo kunye nokuqikelelwa kwangaphambili kweentlawulo zenyanga.

Ukuqonda iiCondos ezingaXolwanga

I-Condo ye-Non-Warrantable Condo yi-condominium engahambelani nemigaqo ebekwe nguFannie Mae okanye uFreddie Mac kwinkxaso-mali eqhelekileyo. Ezi nqobo zokugweba zinokubandakanya imiba efana nobunini botyalo-mali oluphezulu, ulwakhiwo olungagqitywanga, okanye ukunqongophala koovimba bemali kumbutho we-condo. Ngenxa yezi zinto, i-Non-Warrant Condos ihlala ithathwa njengomngcipheko ophezulu ngababolekisi.

Kutheni le nto ukhethe i-Arhente engeyiyo i-Arhente yeminyaka engama-30 yeMali-mboleko eZinzileyo kwi-Condo engaQinisekisiweyo?

Ukufumana imali yokubambisa nge-Non-Warrant Condo kunokuba ngumngeni ngenxa yeprofayile yayo ephezulu yomngcipheko. Apha kulapho i-Non-Agency 30-Year Fixed loan iba yinto enomtsalane. Kuba imali-mboleko engeyiyo ye-Arhente ayibotshwanga ziimfuno ezingqongqo zamaqumrhu axhaswa ngurhulumente, anokubonelela ngemigangatho ephantsi yokubhala ethambileyo. Oku bhetyebhetye kunokuba luncedo ngakumbi kwabo bafuna ukuthenga i-Condo engaXolwanga.

Izibonelelo zeMali-mboleko engeyiyo ye-Arhente yeminyaka engama-30 eZinzileyo

1. Ukuguquguquka ekuVunyweni: Ababolekisi abangekho kwi-Arhente banokuqwalasela uluhlu olubanzi lwezinto xa bevuma imali-mboleko, okwenza kube lula kubathengi be-Non-Warrant Condos ukuba bafaneleke.
2. Iintlawulo ezizinzileyo: Izinga lenzala emiselweyo kwiminyaka engama-30 liqinisekisa ukuba iintlawulo zenyanga zihlala zingaguquguquki, nto leyo enceda abaninimzi balawule iimali zabo ngokufanelekileyo.
3. Izisombululo ezenzelwe wena: Ababolekisi abangekho kwi-Arhente basoloko bebonelela ngezisombululo zemboleko-mali ezilungiselelwe ukuhlangabezana neemfuno ezizodwa zababoleki, ezilungele abo bathenga ii-Condos ezingaQinisekanga.

Ukuqukumbela

Ukuzulazula kwi-mortgage landscape ye-Non-Warrantable Condos kunokuba nzima, kodwa ukuqonda iinketho ezikhoyo kunokwenza inkqubo ibe lula. I-Non-Agency ye-30-Year Fixed loan inikeza isisombululo esisebenzayo sokuxhasa ngemali ezi zakhiwo ezizodwa, ukubonelela ukuguquguquka kunye nokuzinza. Ngokukhetha olu hlobo lwemali mboleko, abathengi abanokuba ngabathengi banokukhusela ikhaya lamaphupha abo ngaphandle kokuthintelwa yimida yenkxaso-mali eqhelekileyo.

Ngamafutshane, ukuba ucinga ngokuthenga i-Condo engaQinisekisiweyo, ukujonga iimali-mboleko ezisisigxina zeminyaka engama-30 eNgeyiyo i-Arhente inokuba sisitshixo sokuvula iinjongo zakho zobunini-khaya.