11/30/2023

Xa kufikwa ekuxhaseni ngemali ikhaya, iindlela zokubolekwa kwezindlu zesiNtu ayikuphela kwendlela eya kubunini-khaya.Iimali-mboleko zezindlu ezingaqhelekanga zibonelela ngeendlela ezizezinye kubantu abasenokungafanelanga okanye bakhethe iindlela ezizezinye kunezokubambisa imali.Kwesi sikhokelo sibanzi, siza kugocagoca kwindawo yemali mboleko yezindlu ezingaqhelekanga, siphonononge iindlela ezikhoyo kunye nokubonelela ngeembono malunga nokuba zifanelekile na kwiimeko zakho ezizodwa.

Ukuqonda iiMali-mboleko zezindlu ezingaqhelekanga

Ingcaciso

Iimali-mboleko zezindlu ezingaqhelekanga zibandakanya iintlobo ngeentlobo zeemveliso zezindlu zokubolekwa kwezindlu ezitenxileyo ezitenxileyo kwizinga elimiselweyo okanye elinohlengahlengiso lwemali-mboleko enikezelwa ngababolekisi bemveli.Ezi mali-mboleko ziyilelwe ukwamkela abantu abaneemeko ezizodwa zezimali, iimbali zetyala, okanye iintlobo zepropathi ezingaqhelekanga.

Iindidi zeeMali-mboleko zezindlu ezingaqhelekanga

1. Inzala-kuphela Kwemali-mboleko:
   • Ingcaciso: Ababoleki bahlawula kuphela inzala kwimali-mboleko ixesha elithile, ngokuqhelekileyo iminyaka yokuqala yemali-mboleko.
   • Ukufaneleka: Ilungele abo bafuna iintlawulo eziphantsi zokuqala zenyanga kunye nokucwangcisa ukuthengisa okanye ukubuyisela imali ngaphambi kokuba kuqale ixesha lokuhlawula eliyintloko.
2. FHA 203(k) Imali-mboleko:
   • Inkcazo: Federal Housing Administration (FHA) mboleko ebandakanya imali yokuphucula ikhaya okanye ukulungiswa.
   • Ukufaneleka: Ilungele abathengi abajonge ukuthenga i-fixer-upper kwaye bahlawule iindleko zokuhlaziya kwi-mortgage.
3. Imali-mboleko ye-USDA:
   • Ingcaciso: Ixhaswa liSebe lezoLimo laseMelika, ezi mboleko zijolise ekukhuthazeni ubunini-zindlu ezilalini.
   • Ukufaneleka: Ilungele abantu abathenga amakhaya kwiindawo ezisemaphandleni ezifanelekileyo ezinemivuzo ephakathi ukuya kwephantsi.
4. Imali-mboleko yeBridge:
   • Ingcaciso: Iimali-mboleko zexesha elifutshane ezivala umsantsa phakathi kokuthengwa kwendlu entsha kunye nokuthengiswa kwendlu yangoku.
   • Ukufaneleka: Iluncedo kwabo bakwixesha lotshintsho, njengokuthengisa ikhaya elinye kunye nokuthenga elinye.
5. Imali-mboleko ye-Mortgage (Non-QM) yeMali-mboleko:
   • Ingcaciso: Iimali-mboleko ezingafikeleliyo kwiikhrayitheriya ze-Qualified Mortgage (QM), ezihlala zilungiselelwe iimeko ezingaqhelekanga.
   • Ukufaneleka: Ilungele abo banemithombo yengeniso engeyiyo eyemveli okanye iimeko ezizodwa zemali.

IiPros and Cons of the Unconventional Home Loans

IiPros

1. Ukuba bhetyebhetye:
   • I-Advanteji: Iimali-mboleko zezindlu ezingaqhelekanga zibonelela ngokuguquguquka ngokwemiqathango yokufaneleka, ukwenza ukuba ubunini-zindlu bufikeleleke kuluhlu olubanzi lwabantu.
2. Izisombululo ezilungiselelweyo:
   • I-advanteji: Ezi mali-mboleko zisenokwenziwa ukuze zihambelane neemfuno ezithile, ezinjengokuxhaswa ngemali ngokutsha, ukuthenga iipropati zasemaphandleni, okanye ukwamkela umvuzo ongengowamasiko.

Ububi

1. Iindleko eziphezulu:
   • Ububi: Ezinye iimali-mboleko ezingaqhelekanga zinokuza nenzala ephezulu okanye imirhumo, ekhokelela ekunyukeni kweendleko zokuboleka.
2. Imiba yoMngcipheko:
   • Ububi: Kuxhomekeke kuhlobo lwemali-mboleko engaqhelekanga, kusenokubakho imingcipheko ephezulu enxulumene noko, efana nohlengahlengiso olunokubakho kwizinga lenzala okanye imigaqo ethile yokufaneleka.

Ngaba iMboleko-mali yeKhaya engaqhelekanga ikulungele?

Iingqwalasela

1. Imeko yezeMali:
   • Uvavanyo: Vavanya imeko yakho yezemali, kubandakanya umvuzo, imbali yetyala, kunye neenjongo zezimali zexesha elide.
2. Uhlobo lwePropati:
   • Uvavanyo: Qwalasela uhlobo lwepropathi oceba ukuyithenga, njengoko iimali-mboleko ezithile ezingaqhelekanga zinokulungelwa ngcono kwiintlobo zepropathi ezithile.
3. Ukunyamezela umngcipheko:
   • Uvavanyo: Vavanya ukunyamezela kwakho umngcipheko kunye nokuba ukhululekile kuko nakuphi na ukuguquguquka okunokwenzeka kumazinga enzala okanye iindleko ezinxulumene noko.
4. Uthethwano:
   • Ingcebiso: Dibana nengcali ye-mortgage ukujonga uluhlu olupheleleyo lweenketho zemali-mboleko engaqhelekanga kwaye ufumane iingcebiso ezenzelwe wena ngokusekelwe kwimeko yakho.

Ukuqukumbela

Imali mboleko yezindlu engaqhelekanga ivula iingcango zobunini-zindlu kwabo iimeko zabo zisenokungahambelani neemfuno zendlu-mboleko yemveli.Ngelixa ezi mboleko zibonelela ngokuguquguquka kunye nezisombululo ezilungiselelweyo, kubalulekile ukuba uvavanye ngononophelo okuhle kunye nokubi, uqwalasele imeko yakho yezemali, uhlobo lwepropathi, kunye nokunyamezela umngcipheko.Ukubonisana nengcali ye-mortgage kunokubonelela ngengqiqo exabisekileyo kwaye kukuncede uqonde ukuba imali mboleko yendlu engavumelekanga yindlela efanelekileyo yokufezekisa iinjongo zakho zobunini-khaya.Khumbula, undoqo kukufumana imali-mboleko ehambelana neemfuno zakho ezizodwa kwaye ikubeke kwindlela eya kubunini-zindlu obuyimpumelelo.

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.