Ukuphonononga iiMali-mboleko ze-Arhente kunye neeMali-mboleko ezihambelanayo kwiMarike ye-Mortgage yase-US

Xa ungena kwimarike ye-mortgage yase-US, ukuqonda umahluko phakathiImali-mboleko ye-Arhentes kunye nemali-mboleko ehambelanayo inokuchaphazela kakhulu izigqibo zomninimzi onokubakho. Le migaqo ibalulekile ekujongeni iindlela zokubambisa kunye nokukhetha eyona ndlela ilungileyo yokuthenga ikhaya.

Iimali-mboleko ze-Arhente zibhekisa kwiimali mboleko ezixhaswa ngamashishini axhaswa ngurhulumente (GSEs) afanaUFannie Maekunye noFreddie Mac. Le mibutho ayiboleki imali ngokuthe ngqo kodwa endaweni yoko ithenga kwaye iqinisekise iimali-mboleko kubabolekisi, ibonelela uzinzo kunye nemali yokuhlawula amatyala kwimarike yezindlu. UFannie Mae kunye noFreddie Mac badlala indima ebalulekileyo ekusekeni imigangatho yento ebandakanya imali-mboleko.

Imali-mboleko ehambelanayo luhlobo lwemali-mboleko ehlangabezana nezikhokelo ezibekwe zezi GSEs. Ngokukodwa, ezi mboleko kufuneka zihambelane nemigaqo ethile malunga nobungakanani bemali-mboleko, ukufaneleka komboleki, kunye neemfuno zamaxwebhu. Iimali-mboleko ezihambelanayo zibonelela ngenzala ephantsi kunemali-mboleko engahambelaniyo kwaye zibonwa njengengozi encinci ngababolekisi nabatyali-mali ngenxa yenkxaso enikwa nguFannie Mae noFreddie Mac.

Olona ncedo luphambili lwemali mboleko ye-arhente, ngakumbi imali-mboleko ehambelanayo, kukukwazi ukufikelela kumazinga okhuphiswano enzala kunye nemiqathango evumayo. Kubathengi abaninzi, oku kwenza ukuba imali-mboleko ye-arhente ibe yindlela enomtsalane, ngakumbi xa kuthengwa ikhaya phakathi kwemida yemali-mboleko ehambelanayo emiselwa minyaka le zezi arhente. Le mida iyahluka ngendawo kwaye ihlengahlengiswa ukuze ibonise utshintsho kumaxabiso aphakathi kwekhaya.

Xa uqwalasela ukuba imali-mboleko ye-arhente okanye i-mboleko ehambelanayo ikulungele na, kubalulekile ukuvavanya imeko yakho yemali kunye neenjongo zexesha elide. Uzinzo olunikezelwa ngeemali-mboleko ezihambelanayo lunokuba luncedo, ngakumbi kubathengi abaneeprofayili zetyala ezinamandla abanokufikelela kwiimfuno ezibekwe nguFannie Mae noFreddie Mac. Ngaphezu koko, ababoleki abakhetha ukuthobela imali-mboleko bahlala bexhamla kwiinkqubo ezikhawulezayo zokuvunywa, ngokunikwa iinqobo zokulinganisa ezisemgangathweni.

Nangona kunjalo, ukuba ikhaya olifunayo lingaphezulu komda wemali-mboleko ohambelanayo kwindawo yakho, i-jumbo loan, eluhlobo lwemali-mboleko engahambelaniyo, inokufuneka. Iimali-mboleko zeJumbo zihlala zinenzala ephezulu kunye neemfuno ezingqongqo zesiqinisekiso. Ke ngoko, ukuqonda umahluko phakathi kweemali-mboleko ezihambelanayo nezingangqinelaniyo kubalulekile ukwenza izigqibo ezizizo.

Ukuqukumbela, iimali-mboleko ze-arhente kunye neemali-mboleko ezihambelanayo zisebenza indima ebalulekileyo kwimakethi ye-mortgage yase-US, ibonelela ngeendlela kubaninimzi ukuze bafumane imali efikelelekayo. Ngokuqonda ukuntsonkotha kwemali mboleko ye-arhente kunye neemali-mboleko ezihambelanayo, abaza kuba ngabanini bezindlu banokujonga imeko ye-mortgage ngempumelelo, belungelelanisa ukhetho lwabo kunye neemfuno zabo zemali kunye neenjongo zexesha elide. Ezi mboleko zenzelwe ukunika uzinzo kunye nokufikeleleka, okwenza kube sisiseko sephupha laseMelika lobunini bezindlu.