Imali-mboleko yoLuntu: Akukho zithintelo zeMvuzo, akukho Lungiso lweLLPA, kunye neZibonelelo zoMthengi weXesha lokuqala.

Kubathengi abajonge ukuthenga izindlu zaboAmabanga aphantsiIndawo yokuhlala kuphela, iiMali-mboleko zoLuntu zibonelela ngesisombululo esicacileyo nesifikelelekayo. Ngaphandle kohlengahlengiso lwe-LLPA yokuthenga, akukho zithintelo zengeniso njengezinye iinkqubo zabancedisi, kunye nokhetho olwamkelekileyo kubantu abaqalayo ukuthenga izindlu, le nkqubo idala iindlela ezintsha zokuba ngabaninimzi. Okona kulungileyo, ihambelana ngokugqibeleleyo nezikhokelo ze-arhente, iqinisekisa inkqubo egudileyo, ethobelayo.

Kutheni KhethaImali-mboleko yoLuntu?

1. Indawo yokuhlala yokuqala kuphela

Ezi mboleko zilungiselelwe ngokukodwa amakhaya oceba ukuhlala kuwo, ukuqinisekisa isisombululo esizinzileyo nesikhuselekileyo sezindlu kubathengi.

2. Akukho Lungiso lweLLPA ekuThengweni

Inzuzo enkulu yale nkqubo kukungabikho kohlengahlengiso lwexabiso lemali-mboleko (LLPA) ukuze kuthengwe. Abathengi banokukhusela imali mboleko yabo ngaphandle kokujongana neentlawulo ezongeziweyo okanye iindleko eziphezulu zihlala zinxulunyaniswa namaxabiso eLLPA.

3. Akukho zithintelo zeNgeniso njengezinye iiNkqubo zoNcedisi

Ngokungafaniyo neenkqubo ezininzi zokubolekwa kwezindlu ezinyanzelisa ingeniso, iiMali-mboleko zoLuntu aziniki zithintelo zengeniso. Oku kuvula umnyango kuluhlu olubanzi lwabathengi, kungakhathaliseki inqanaba lengeniso, ukwenza ukuba ubunini bezindlu bufikeleleke ngakumbi.

4. Abathengi basekhaya abaQala bamkelekile

Ukuba uthenga ikhaya lakho lokuqala, le nkqubo yenza lula inkqubo yesiqinisekiso, inika indlela ecacileyo yobunini bezindlu ngaphandle kwemiqobo engeyomfuneko.

5. Landela iziKhokelo ze-Arhente

Imali-mboleko yoLuntu ibambelela ngokungqongqo kwimigangatho kaFannie Mae kunye noFreddie Mac, kubandakanya:

- Iziphumo ze-DU/LPA zokubhalwa phantsi.

- Iimfuno zovavanyo olusemgangathweni.

- Amaxwebhu omvuzo kunye nee-asethi ngokwezikhokelo ze-arhente.

Oku kuqinisekisa ukungafihli, ukuthembeka, kunye nokuthotyelwa kuyo yonke inkqubo yemali-mboleko.

Iimbalasane zeNkqubo

- Iipropati ezifanelekileyo: iyunithi ye-1, i-PUDs, kunye ne-2-4 yeyunithi yamakhaya. Iipropati ezingabandakanywanga ziquka ii-condos, izindlu ezenziweyo, kunye nomhlaba wokulima.

- Iinketho zokubolekwa kwemali: Iinketho zezinga elimiselweyo elikhoyo kwiminyaka engama-30 kunye ne-15 yeminyaka, kubandakanywa nemali-mboleko ephezulu.

- Iimfuno zamanqaku e-FICO: Amanqaku amancinci angama-620 afunekayo, ngokuxhomekeke kwi-AUS (i-Automated Underwriting System) iziphumo.

Ilungele abaThengi basekhaya bexesha lokuqala

Kubathengi bokuqala ekhaya, inkqubo yeMali-mboleko yoLuntu lukhetho oluhle kakhulu. Ukungabikho kwezithintelo zengeniso kunye nohlengahlengiso lwe-LLPA ekuthengeni luqinisekisa ukufikeleleka, ngelixa iinkqubo ezilungelelaniswe ne-arhente zenza ukufaneleka kube lula kwaye kucace ngakumbi. Nokuba usuka ekurenteni okanye uthenge indawo yokuqala, le nkqubo yenzelwe ukuhlangabezana neemfuno zakho.

Ukuqukumbela

Inkqubo yeMali-mboleko yoLuntu ichaza kwakhona ukufikeleleka kunye nokufikeleleka kubathengi abajonge ukuthenga iNdawo yabo yokuhlala esisiseko kuphela. Ngezibonelelo ezinjengokungabikho kohlengahlengiso lwe-LLPA ekuthengeni, akukho zithintelo zengeniso njengezinye iinkqubo zabancedisi, kunye nokufaneleka okukhethekileyo kwabo baqalayo ukuthenga izindlu, isusa imiqobo ehlala yenza ukuba ubuninimzi buzive bungafikelelekiyo.

Ukuba ukulungele ukuthatha inyathelo elilandelayo malunga nokuba nekhaya, iiMali-mboleko zoLuntu zibonelela ngesisombululo esithembekileyo, esihambelana ne-arhente esilungiselelwe ukulingana neemfuno zakho.