Kwabaninzi abaza kuba ngabathengi bezindlu, ukufumana imali yokubambisa linyathelo elibalulekileyo lokuba ngabanini-zindlu.Federal Housing Administration (FHA) kunye neSebe leMicimbi yamagqala (VA) mboleko ziinketho ezidumileyo kwabo bafanelekileyo, ezibonelela ngeenzuzo ezinjengeentlawulo ezisezantsi kunye neemfuneko ezifikelelekayo zetyala.Xa uphonononga ezi nkqubo ze-mortgage zixhaswa ngurhulumente, kubalulekile ukufumana umbolekisi ofanelekileyo.I-FHA/VA evunyiweyo yababolekisi behoseyile badlala indima ebalulekileyo ekuququzeleleni ezi mboleko, kwaye esi sikhokelo siya kukunceda uqonde ukubaluleka kwabo kunye nendlela yokukhetha echanekileyo kwiimfuno zakho.

Yintoni imali-mboleko ye-FHA kunye ne-VA?

Imali-mboleko ye-FHA

Imali-mboleko ye-FHA i-inshurensi yi-Federal Housing Administration, isebe leSebe leZindlu lase-US kunye noPhuhliso lweDolophu (HUD).Zenzelwe ukunceda abantu abaqalayo ukuthenga amakhaya kunye nabantu abanamanqaku asezantsi etyala okanye izixhobo zokuhlawula ezilinganiselweyo.Iimali-mboleko ze-FHA zibonelela ngenzala ekhuphisanayo kwaye zifuna intlawulo ephantsi xa kuthelekiswa nemali-mboleko eqhelekileyo.

VA mboleko

Iimali-mboleko ze-VA ziqinisekiswa liSebe leMicimbi yaMagqala e-US kwaye zifumaneka kuphela kumagqala afanelekileyo, amalungu enkonzo esebenzayo, kunye namalungu athile oMkhosi weSizwe kunye nooGcino.Iimali-mboleko ze-VA zidume ngokungabhatalwa kweemfuno kunye nenzala ekhuphisanayo.Ziyinzuzo enkulu kwabo baye basebenza emkhosini.

Indima ye-FHA/VA eVunyiweyo yabaBolekisi beWholesale

I-FHA/VA ababolekisi bevenkile abavunyiweyo ngamaziko emali agunyazisiweyo ukuba abonelele nge-FHA kunye ne-VA mboleko.Basebenza njengabalamleli phakathi kwababoleki kunye nezi arhente zikarhulumente, banikezela ngothotho lwezibonelelo:

• Ubungcali: Aba babolekisi basebenza ngokukodwa kwi-FHA kunye ne-VA mboleko, benolwazi olunzulu lweemfuno kunye nezikhokelo.
• Iinkqubo eziLungisiweyo: I-FHA / VA ababolekisi be-wholesale abavunyiweyo bazi kakuhle kwiinkqubo zesicelo kunye nokuvunywa kwezi mboleko, okwenza kube lula kubaboleki ukuhamba.
• Amaxabiso oKhuphiswano: Ababolekisi ngevenkile basoloko bebonelela ngenzala ekhuphisanayo kunye nemimiselo, bebonelela ababoleki ngeendlela ezifanelekileyo zokuxhasa ngemali.
• Iintlobo ngeentlobo zeeMveliso zeMali-mboleko: Aba babolekisi banokubonelela ngoluhlu lweemveliso mboleko ze-FHA kunye ne-VA, zivumela ababoleki ukuba bakhethe eyona ifanele iimfuno zabo.

Indlela yokukhetha uMboleki weWholesale oVunyiweyo we-FHA/VA

Ukukhetha umbolekisi ofanelekileyo kubalulekile xa ufuna i-FHA okanye i-VA mboleko.Nanga amanyathelo ekufuneka uwaqwalasele:

1. Phanda kwaye uthelekise

Uphando lwe-FHA/VA oluvunyiweyo lwababolekisi ngevenkile kwingingqi yakho.Thelekisa iimveliso zabo mboleko, inzala kunye neentlawulo.

2. Khangela ukuvunywa

Qinisekisa ukuba umbolekisi ngenene uvunyiwe yi-FHA/VA, njengoko oku kuqinisekisa ukuba bayayifezekisa imigangatho karhulumente kwaye banokuququzelela ezi mboleko.

3. Uthethwano lweNgcali

Cinga ngokufuna ingcebiso kwiingcali zokubolekwa kwezindlu eziyazi kakuhle i-FHA kunye ne-VA yokuboleka.Banokukukhokelela kubabolekisi abanegama elinamandla kunye nobuchule kwezi nkqubo.

4. Uphononongo lwabathengi

Ukufunda uphononongo lwabathengi kunye nokufuna iingcebiso kunokubonelela ngolwazi malunga nodumo lombolekisi kunye nenkonzo yabathengi.

5. Ukungafihli

Khetha umbolekisi ocacileyo malunga neentlawulo zabo kwaye ukulungele ukuchaza imimiselo kunye neemeko ze-FHA okanye i-VA mboleko oyiqwalaselayo.

Ukuqukumbela

I-FHA/VA evunyiweyo yababolekisi ngevenkile ngamaqabane ayimfuneko kwabo bafuna inkxaso-mali yasekhaya exhaswa ngurhulumente.Aba babolekisi banikezela ngobuchule, iinkqubo ezilungelelanisiweyo, kunye neentlobo ngeentlobo zeemveliso zemboleko ezihlangabezana neemfuno ezithile zababoleki be-FHA kunye ne-VA.Xa ukhetha umbolekisi, uphando olunzulu, iingcebiso zengcali, kunye nokungafihli nto zingundoqo.Ngombolekisi ofanelekileyo we-FHA/VA ovunyiweyo, ungaqalisa uhambo lwakho lobunini-ndlu ngokuzithemba, usazi ukuba uneqabane elithembekileyo lezemali ecaleni kwakho.

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.