UkuXhobisa abathengi beHlabathi ngokuNgenamsebenzi akukho Mali-mboleko

Kubathengi bamazwe ngamazwe kunye nababoleki abangengobantu bemveli, imarike yezindlu yase-US inokuziva ngathi yi-maze ye-red tape. IMali-mboleko yokuNgenamsebenzi akukho Mvuzo inqumla kobo bunzima, ibonelela ngeMali-mboleko eSekwe kwi-Asethi engafuneki kuQinisekiso lweNgqesho okanye akukho Nkcukacha zeNgqesho zifunekayo. Ngokufaneleka okuFumanayo kweLizwe laNgaphandle, le mboleko yamkela abathengi behlabathi ukuba bathenge iPrayimari / uTyalomali / iipropathi ezifanelekileyo zeKhaya le-2nd, ukusuka kwiindawo zokuhlala eziphambili ezipholileyo ukuya kwi-luI-CRAiindawo zokuhlala. Ukuxhasa imali-mboleko ukuya kuthi ga kwi-3.5 yezigidi zeedola kwaye ifuna nje amanqaku angama-680 etyala, sisisombululo esiguquguqukayo.

Yintoni eyenza ukuba iMali-mboleko yokuNgenaMvuzo ikhetheke kugxininiso lwayo kwii-asethi ngaphezu kwengeniso. Ababoleki akufuneki babonelele ngentlawulo okanye imbuyekezo yerhafu-endaweni yoko, babonisa uzinzo lwezemali ngogcino, utyalo-mali, okanye ukubamba impahla. Oku kuyindlela yokuphila kubathengi abaFumanekayo beLizwe laNgaphandle abanokuthi baswele iirekhodi zengqesho ezise-US kodwa banempahla yexabiso yehlabathi. IisiphoInqaku elikhoyo longeza ukuguquguquka, livumela iminikelo yosapho ukuba ihlawule iintlawulo, iyenze kube lula ngakumbi ukuba Ufanelekele iipropati zexabiso eliphezulu.

Inkqubo yokuQinisekisa iNgqesho ngowona mtsalane mkhulu. Ababolekisi bemveli bahlala befuna ubungqina obuninzi bengeniso, obunokungabandakanyi abantu abadla umhlala-phantsi, abatyali-mali, okanye abathengi bamazwe ngamazwe. IMali-mboleko yokungaSebenzisi uMvuzo iyayityeshela le miqobo, ilungelelanisa ukuvunywa kwePrayimari/uTyalo-mali/ukuthenga okufanelekileyo kweKhaya. Nokuba ungumthengi oFumanekayo weLizwe laNgaphandle ofuna iKhaya le-2 eMiami okanye umtyali-mali ojolise kwiNdawo yokuHlala yasePrayimari Ngaphandle koMsebenzi, le mali-mboleko ilungelelanisa iimfuno zakho.

Yiba nomfanekiso welizwe langaphandle elifudukela e-US ngeshishini. Ngaphandle komsebenzi wase-US, ukufaneleka kwi-mortgage kubonakala kunzima, kodwa utyalo-mali lwabo lwaphesheya lubalulekile. UkungaSebenzi kwaMvuzo kubavumela ukuba basebenzise ezo mpahla ukuze bakhusele iNdawo yokuHlala yaseprayimari ngaphandle koMsebenzi, kungekho Lwazi lweNgqesho lufunekayo. Isipho sosapho esikhoyo Igalelo elikhoyo ligubungela intlawulo ephantsi, kwaye inkqubo yokuQinisekisa iNgqesho iqinisekisa ukuvala okungasokolisiyo, konke okungaphakathi kwe-3.5 yezigidi zeerandi zemali-mboleko.

Ukubandakanywa kwale mali mboleko akuhambelani. Ibonelela abo bangayifanelanga iprofayile yesiqhelo yomboleki, ebonelela ngePrimary/ Investment/2nd Home iinketho ezifanelekileyo kwiinjongo ezahlukeneyo. Kubathengi abaFumanekayo beSizwe baNgaphandle, iMali-mboleko yokuNgenaMvuzo lisango eliya kwi-US real estate, exhaswa yimodeli yeMali-mboleko esekwe kwiAsethi ebeka phambili ubutyebi kunomvuzo. Ngaphandle kokuQinisekiswa kweNgqesho kunye nenkxaso ekhoyo, yimali-mboleko exhobisa amaphupha ehlabathi ngaphandle kwemiqobo engeyomfuneko.