12/05/2023

Ukuvula ubuninimzi ngaphandle kweNtlawulo ePhantsi kweNgxaki

Iphupha lobunini bezindlu lihlala liza nomngeni wokulondoloza intlawulo ephantsi, kodwa kuthekani ukuba bekukho indlela yokudlula lo mqobo? Ngena kwihlabathi "leNqanaba lokuBambisa ngeNtlawulo," indlela yezemali eyenza ukuba ubunini bezindlu bufikeleleke ngakumbi. Kwesi sikhokelo, siza kugocagoca kubume bokungahlawulisi-mali mboleko kwaye siqaqambise abanye babona babolekisi abalungileyo ababonelela ngezi zisombululo zintsha.

Ukuqonda iNtlawulo yokuHlawulwa kweMali-mboleko

Iimali zokubambisa ngokwemveli zifuna intlawulo eninzi, nto leyo eyenza kube nzima ukuba abantu okanye iintsapho zingene kwimarike yezindlu. Iimali-mboleko ezingahlawulwanga, nangona kunjalo, ziyawuphungula lo mthwalo ngokuvumela ababoleki ukuba bafumane imali-mboleko yendlu ngaphandle kwemfuneko yentlawulo eninzi yangaphambili. Le ndlela ivula iingcango kuluhlu olwahlukileyo ngakumbi lwabaninimzi abanqwenelayo, kubandakanya abathengi bokuqala kunye nabo banolondolozo oluncinci.

Iimpawu eziphambili zeNtlawulo yeNtlawulo yokubambisa

1. 100% Ukhetho lwezeMali:
   • Amagqabantshintshi: Iimali mboleko ezingahlawulelwayo zibonelela ababoleki ithuba lokuxhasa ngezimali zonke iindleko zokuthenga kwabo ikhaya, ukuphelisa imfuno yentlawulo ephantsi.
   • Impembelelo: Olu phawu luluncedo ngakumbi kwabo basenokungabi namali yaneleyo yokulondoloza kodwa basanqwenela ukuqalisa kuhambo lobuninimzi.
2. Iinqobo zoMgangatho woMgangatho oGuquguqukayo:
   • Amagqabantshintshi: Ababolekisi abanikezela ngeemali zokubambisa ezingahlawulelwayo basoloko besebenzisa iindlela zokufaneleka ezibhetyebhetye, beqwalasela imiba engaphaya kwamanqaku ekhredithi esiqhelo kunye namandla okubhatala.
   • Impembelelo: Ababoleki abaneemeko ezahlukeneyo zezimali, kuquka nabo banembali yetyala elinyiniweyo, banokujonga ubunini-zindlu ngokulula ngakumbi.
3. Iinkqubo eziXhaswa nguRhulumente:
   • Amagqabantshintshi: Abanye abona babolekisi abangcono kakhulu abangabhatalwanga imali yokubambisa bathatha inxaxheba kwiinkqubo ezixhaswa ngurhulumente, ezinje ngeemali-mboleko ze-USDA, iimali-mboleko ze-VA, kunye neemali-mboleko ze-FHA.
   • Impembelelo: Ezi nkqubo zandisa izibonelelo ezongezelelekileyo, ezinje ngenzala ephantsi kunye neemfuneko ezithambileyo zetyala, zikhuthaza ukufikeleleka kwababoleki.

AbaBoneleli abaBalaseleyo kwiiNkxaso-mali zokuBambisa ngeNtlawulo

1. Khawuleza iimali-mboleko:
   • Amandla: I-Quicken Loans idume ngenkqubo yesicelo se-mortgage ye-intanethi kwaye inikezela ngeenkqubo ezahlukeneyo, kuquka i-FHA kunye ne-VA mboleko, kunye neemfuno zentlawulo ephantsi okanye engekho phantsi.
   • Uqwalaselo: Ababoleki bayaluxabisa ujongano olusebenziseka lula kunye nothotho lwezibonelelo zemfundo ezibonelelwa yi-Quicken Loans.
2. Wells Fargo:
   • Amandla: U-Wells Fargo ngumdlali ophambili kwimarike yemali-mboleko kwaye unikezela ngeendlela ezifana ne-VA kunye ne-FHA mboleko, ukubonelela ababoleki abafuna izisombululo zokungahlawulwanga.
   • Ukuqwalaselwa: Uthungelwano olubanzi lwesebe lwe-Wells Fargo luvumela ababoleki ukuba bafikelele kwinkxaso yomntu kunye nesikhokelo kuyo yonke inkqubo yokuboleka imali.
3. Imali-mboleko yoPhuhliso lwasemaPhandleni ye-USDA:
   • Amandla: I-USDA inikezela ngeemali-mboleko ezingahlawulelwayo ngenkqubo yoPhuhliso lwasemaPhandleni, igxile kwiindawo ezisemaphandleni nakwiidolophu ezifanelekileyo.
   • Uqwalaselo: Ababoleki kufuneka bajonge iindlela ezithile zokufaneleka kunye nemida yejografi ehambelana nemali mboleko ye-USDA.
4. I-Navy Federal Credit Union:
   • Amandla: I-Navy Federal igxile ekukhonzeni amalungu omkhosi kunye neentsapho zabo, enika iimali-mboleko ze-VA ngaphandle kweemfuno zentlawulo.
   • Ukuqwalaselwa: Iikhrayitheriya zobulungu ziyasebenza, kwaye ababoleki kufuneka bavavanye uluhlu olubanzi lweenkonzo zemali ezibonelelwa yiNavy Federal.

Izibonelelo kunye nokuqwalaselwa kwababoleki

1. Ukungena kwaKhawuleza kuBunini-Khaya:
   • I-advanteji: Iimali zokubambisa ezingahlawuliyo zibonelela ngendlela ekhawulezileyo yokuba abantu okanye iintsapho zingenelele kubunini bezindlu ngaphandle kokulibaziseka kokugcina intlawulo ephantsi.
   • Uqwalaselo: Ababoleki kufuneka baqaphele iimpembelelo zezimali zexesha elide kwaye baqinisekise ukuba iintlawulo zenyanga zezindlu ezihambelanayo zihambelana nohlahlo lwabiwo-mali lwabo.
2. IiNdlela ezahlukeneyo zoKhetho lwezeMali:
   • I-advanteji: Iindidi zeenkqubo mboleko ezixhaswa ngurhulumente kunye nesiqhelo zinika ababoleki ukuguquguquka ekukhetheni ezona zilungele iimeko zabo ezizodwa.
   • Ukuqwalaselwa: Ukuqonda imigaqo ethile, amazinga enzala, kunye neendlela zokufaneleka kwinkqubo nganye kubalulekile ekwenzeni izigqibo ezinolwazi.
3. Iindleko ezinokuthi zigcinwe:
   • I-advanteji: Iimali zokubambisa ezingahlawulelwayo zisenokubangela ukongiwa kweendleko kwasekuqaleni, nto leyo evumela ababoleki ukuba babele ezinye iinkcitho ezinxulumene nobunini-zindlu.
   • Uqwalaselo: Ababoleki kufuneka bavavanye iindleko zexesha elide, kuquka inzala kunye neemfuno zeinshorensi yokubambisa.

Ukuqwalaselwa kwababoleki

1. UVavanyo lokuLungela iMali:
   • Ingcebiso: Phambi kokukhetha ukuba ungabhatalwa phantsi, ababoleki kufuneka benze uhlolo olucokisekileyo lokulungela kwabo imali, beqwalasela imiba efana nomvuzo ozinzile, imbali yetyala, kunye neendleko zexesha elizayo.
2. UPhando kunye nothelekiso:
   • Isincomo: Ukuphanda nokuthelekisa iminikelo yababolekisi ngemali abahlukeneyo, kubandakanywa inzala, imirhumo, kunye nophononongo lwabathengi, kubalulekile ekuchongeni okona kufanelekileyo kwiimfuno zomntu ngamnye.
3. Ukuqonda IiMfuno zeNkqubo:
   • Ingcebiso: Ababoleki kufuneka baziqhelanise neemfuno ezithile zenkqubo ekhethiweyo, nokuba yi-VA, FHA, okanye i-USDA mboleko, ukuqinisekisa ukuba bayahlangabezana nazo zonke iindlela zokufaneleka.

Ukujonga iNkqubo yeSicelo

1. Inkqubo yokuvunywa kwangaphambili:
   • Isikhokelo: Ukufumana imvume yangaphambili kubabolekisi linyathelo lokuqala lobuchule. Inika ababoleki ukuqonda okucacileyo kohlahlo lwabiwo-mali lwabo kwaye yomeleza isikhundla sabo kuthethathethwano.
2. Uthethwano neeNgcali ze-Mortgage:
   • Isikhokelo: Ukusebenzisana nabasebenzi bezindlu, ngakumbi abo banamava kwiimali-mboleko ezingahlawulwanga, kunokubonelela ngengqiqo ebalulekileyo kunye nesikhokelo kuyo yonke inkqubo yesicelo.
3. Unxibelelwano olucacileyo nabaBoleki:
   • Isikhokelo: Ukugcina unxibelelwano oluvulekileyo nababolekisi ngemali kubalulekile. Ababoleki kufuneka bafune ingcaciso kuyo nayiphi na imiba yemigaqo yokubambisa okanye inkqubo yesicelo enokungacaci.

Ukuqukumbela: Ukuvula iingcango zokuba ngumninimzi

Iimali zokubolekwa kwezindlu ezingahlawulwanga zimele indlela yoguqulo kubunini-zindlu, okwenza iphupha lokuba nendawo yokubiza ikhaya libe nokufezekiswa ngakumbi kuluhlu olubanzi lwabantu kunye neentsapho. Njengoko ababoleki bephonononga abona babolekisi bangcono ababonelela ngezi zisombululo zintsha, uphando olucokisekileyo, unxibelelwano olucacileyo, kunye nendlela yobuchule kucwangciso lwezemali iba yimiba ephambili yokuhamba kolu hambo lunomdla olusingise kubunini-zindlu ngaphandle kwengxaki yokuhlawula.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS; enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume. Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke. Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye. Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile. Tyala imali ngokufanelekileyo kumngcipheko wakho.