Iimali-mboleko zeNkcazo yeBhanki: Izisombululo ze-Mortgage ezilungiselelweyo kwiiMfuno ezahlukeneyo zoMboleki

Ayinguye wonke umntu ofanelana nebhokisi yesiqhelo yokubolekwa kwezindlu, kwaye kulapho iBhanki yeNkcazo yeMali mboleko ikhanya khona. Yakhelwe wena-qeshwaababoleki kunye nabantu abanengeniso eyodwa, le mboleko inika enye indlela eguquguqukayo kwinkxaso-mali eqhelekileyo. Ngaphandle kweembuyekezo zerhafu ezifunekayo, isebenzisa iinyanga ezili-12 zeengxelo zebhanki ukujonga umvuzo wakho-ilungele abo iimbuyekezo zabo zerhafu zingabonisi yonke into. Iimali-mboleko zeNkcazo zeBhanki nazo zinokunceda i-ITIN kunye nababoleki be-1099.

Ingxelo yeBhanki Imali mboleko ineempawu ezintle. Unokuboleka ukusuka kwi-150,000 yeedola ukuya kwi-3.5 yezigidi zeedola ukuthenga, ukukhupha imali, okanye ukubuyisela imali-ukugubungelaAmabanga aphantsiamakhaya, amakhaya esibini, kunye neepropati zotyalo-mali, kwaneecondo ezingenawaranti. Ufuna nje i-660 yamanqaku etyala, kwaye iiMali-mboleko zeBhanki zivulelekile kubemi, abanini bamakhadi aluhlaza, abahlali abangesosigxina, kunye nababoleki be-ITIN. Ababoleki abazisebenzelayo banokuvala phantsi kwegama leshishini ukuze kube lula. Inkqubo ixhasa ababoleki abazisebenzelayo nge-1099 okanye iingxelo zebhanki.

Uneendlela ongakhetha kuzo kwimigaqo-mboleko. Khetha iqondo elimiselweyo leminyaka engama-30 yeentlawulo ezizinzileyo okanye isicwangciso senzala kuphela. Isiteyitimenti seBhanki Imali mboleko zisebenzisa iziteyitimenti zebhanki okanye iifomu ze-1099 ukujonga ingeniso, zizenza zibe ntle kwii-freelancers kunye neekontraka.

Ukudibanisa okukhulu kukwamkela i-DTI engaphezulu kwe-50%. Iimali-mboleko zemveli zihlala zithi hayi kumlinganiselo ophakamileyo wetyala-kwingeniso, kodwa iMali-mboleko yeBhanki iyaqonda ukuba ababoleki abazisebenzelayo banokuba neendleko ezinkulu kwaye balawule kakuhle. Oku kunceda abanini bamashishini bafumane imali-mboleko ehambelana nobomi babo. Ababoleki abazisebenzelayo nabanomvuzo we-1099 bathanda iiMali-mboleko zeBhanki, ngakumbi xa i-DTI yabo ingaphezu kwama-50%.

Zikwafikeleleka. Ukuba uye waba ne-bankruptcy, i-foreclosure, okanye ukuthengiswa okufutshane, unokufaneleka ukuba sele kuyiminyaka emithathu. Inketho ye-1099 yenza kube ngcono ngakumbi kubasebenzi abazimeleyo, kwaye akukho mbuyekezo yerhafu efunekayo kuthetha ukuba amaphepha angaphantsi.

Ukusonga, iMali-mboleko yeNgxelo yeBhanki lukhetho olunobulumko kuzo zonke iintlobo zababoleki. Ngokugxininisa kwiingxelo zebhanki kunye nokuvumela i-DTI ukuba idlule kwi-50%, inceda ababoleki abazisebenzelayo, abanini-ITIN, kunye nabanye abangahambelani nemithetho yesiqhelo yokuboleka imali. Nokuba uthenga ikhaya okanye uxhasa ngemali, iiMali-mboleko zeNgxelo yeBhanki zizisa ukuguquguquka kunye nokubandakanywa.