08/14/2023

I. Ukugcina imali kwiMali-mboleko yakho yokuQala yeKhaya
Kubaboleki abahlawulwayo, ukufumana imali mboleko yendlu okokuqala sisigqibo esikhulu sezemali.

Igama elithi “umntu othenga ikhaya okokuqala” libhekisa kumntu othenga umhlaba okokuqala, okanye ongakhange abenapropati kule minyaka mithathu idlulileyo.Ukuba ungumthengi wokuqala wezindlu kuxhomekeke ikakhulu kwimbali yakho yobunini bepropathi.Nazi ezinye iikhrayitheriya onokuzisebenzisa ukumisela ubume bakho:

- Awuzange ubenaso nasiphi na ipropati: Ukuba awuzange uthenge ipropati ngaphambili, uthathwa njengomthengi wokuqala.
- Awuzange ube nabuphi na ubunini kule minyaka mithathu idlulileyo: Nokuba ubunepropati ngaphambili, ukuba sele kudlule iminyaka emithathu ukususela oko wawuthengisile loo propati, usenokuthathwa njengomntu oqalayo ukuthenga ikhaya.
- Ubunepropati kuphela neqabane lakho kwixesha elidlulileyo: Ukuba ubutshatile kwaye unendawo kunye neqabane lakho, kodwa ngoku awutshatanga kwaye awunayo nayiphi na ipropati ngokwakho, unokubonwa njengomntu oqalayo ukuthenga ikhaya.

Ezi zicwangciso zilandelayo zinokukunceda, njengomboleki ohlawulwayo, wonge imali:
Khetha uhlobo olufanelekileyo lwemali mboleko: Iimali-mboleko ezixhaswa nguRhulumente, ezifana nezo zivela kwi-Federal Housing Administration (FHA) kunye neMicimbi ye-Veterans (VA), zihlala zinezinga lenzala ephantsi kunye neemfuno zokuhlawula ngaphantsi.Ukongeza, i-AAA LENDINGS inemveliso eyenzelwe ngokukodwa abasebenzi abathenga amakhaya - i-WVOE.
Ufuna kuphela ifom ye-WVOE ukubala umvuzo ofanelekileyo, kungekho mfuneko yawo nawaphi na amanye amaxwebhu omvuzo.Oku kulula kwenza iWVOE ibe nomtsalane ngakumbi.Ngaphezu koko, ngokungafaniyo nezinye iinkqubo, i-WVOE ayifuni ukuba abafaki zicelo babe nempahla eninzi.Iinkcukacha➡Inkqubo yeWVOE

Gcina amanqaku etyala alungileyo: Amanqaku akho etyala anefuthe elithe ngqo kwizinga lenzala yemali mboleko.Abafaki-zicelo abanamanqaku aphezulu etyala banokufumana inzala ephantsi, enokukongela imali eninzi ngexesha lemali-mboleko.

Fumana igosa lemali-mboleko: Iingcebiso zobuchwephesha zihlala zikongela imali kwiinkalo ezahlukeneyo.

Sebenzisa imfundo yemali-mboleko kunye neenkonzo zokucebisa: Imibutho eyahlukeneyo engajonganga ngeniso kunye namasebe karhulumente abonelela ngemfundo yemali-mboleko yasimahla okanye enexabiso eliphantsi kunye neenkonzo zokucebisa.Ezi nkonzo zinokukunceda uqonde imiba eyahlukeneyo yemali-mboleko, efana nenzala, imirhumo, imigaqo yemali-mboleko, njl.njl., ikuvumela ukuba wenze izigqibo zobulumko.
II.Amanqaku anokuqatshelwa kwiNkqubo yeMali-mboleko
Ngexesha lenkqubo mboleko, kwakhona ingqalelo amanqaku alandelayo:

Yenza imvume efanelekileyo yemali-mboleko yangaphambili: Ukuvunywa kwangaphambili kwemali-mboleko kukunceda ukuba uqonde isixa-mali semali-mboleko kunye nezinga lenzala enokwenzeka kwangethuba, nto leyo enokukunceda ucacise uhlahlo lwabiwo-mali lwakho kwaye wenze isicwangciso sokuthenga ikhaya esisengqiqweni ngakumbi.
Nika ingqalelo kwixesha lemali-mboleko: Ubude bexesha lemali-mboleko buya kuchaphazela isixa-mali sentlawulo yenyanga kunye nenkcitho yenzala iyonke.Kubalulekile ukukhetha ixesha elifanelekileyo lokuboleka imali ngokusekelwe kwimeko yakho yezemali.
Qonda yonke imiqathango: Ngaphambi kokuba usayine isivumelwano semali-mboleko, qiniseka ukuba uyayiqonda kwaye wamkele yonke imiqathango kunye neemeko ukuze uphephe ingxaki engeyomfuneko kamva.

III.IiNkqubo ezifanelekileyo zeMali-mboleko
Kubaboleki abahlawulwayo, ukongeza kwinkqubo yethu ye-WVOE, sineMali-mboleko yoLuntu ye-QM nayo inokuba luncedo, ingapheleliselwanga kwabaqalayo ukuthenga izindlu:

- Zonke izilungiso zeRhafu zikhutshwe (uFreddie Mac Kuphela), ngaphandle kwe-2-4 iipropati zeyunithi kunye nee-condos eziqhotyoshelweyo;
- Akukho siFundo seMfundo sifunekayo;
-Usenokufumana kwakhona ikhredithi yomboleki;
- Akukho Mda woMvuzo;
- Indawo yokuhlala yasePrimary kuphela.
Iinkcukacha➡Imali-mboleko yoLuntu ye-QM

Lilonke, kubaboleki abahlawulwayo, ukufumana imali mboleko yezindlu e-United States akufikeleleki.Logama nje usenza izicwangciso ezifanelekileyo, uqonda kwaye usebenzisa zonke izixhobo ezifumanekayo, unokufezekisa iphupha lakho lobunini-khaya ngempumelelo.

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.