Indlela iZero Down Payment kunye neeNkqubo zoNcedo zivumela ubunini beKhaya

Kwabaninzi abanokuthenga amakhaya, omnye wemiqobo emikhulu ekuthengeni ikhaya yintlawulo ephantsi efunekayo. Nangona kunjalo, kunyeZero Phantsi Intlawuloiinkqubo kunye noNcedo lweNtlawulo ePhantsi, ngoku kulula kunangaphambili kubathengi ukuba boyise lo mqobo kwaye bakhusele ikhaya lamaphupha abo ngaphandle kokufuna ukugcina isixa esikhulu sentlawulo ephantsi.

Imali mboleko yeZero Down ivumela abathengi abafanelekileyo ukuba bathenge ikhaya ngaphandle kokubeka nayiphi na imali ngaphambili. Olu lolona khetho lunomtsalane kwabo baqalayo ukuthenga izindlu okanye abo basenokungenalo ugcino lubalulekileyo. Ngokusebenzisa iinketho zeNtlawulo yeZero, abathengi banokungena kwikhaya labo elitsha kwangoko ngaphandle kokulinda ukuqokelela imali yentlawulo yemveli.

Ngakolunye uhlangothi, iinkqubo zoNcedo lweNtlawulo yeNtlawulo zibonelela ngenkxaso yemali kubathengi abafuna uncedo lokugubungela iindleko zokuhlawula phantsi. Ezi nkqubo zihlala zibonelelwa zii-arhente zikarhulumente, ii-non-profits, okanye iziphathamandla zezindlu zakwarhulumente nezengingqi kwaye zinokuza ngeendlela ezahlukeneyo, kubandakanya nezibonelelo,I-Mortgage yesiBinis, okanye iimali-mboleko ezirhoxisiweyo. Uncedo lweNtlawulo yeNtlawulo luyinzuzo ngakumbi kwabo banokuba nengeniso ukuze bafaneleke ukufumana imali mboleko kodwa besokola ukuza nemali efunekayo yokuhlawula.

Abathengi abaninzi abaqondi ukuba iimali-mboleko zeZero Down Payment kunye ne-Down Payment Assistance iinkqubo zihlala zifumaneka kubantu abaqalayo ukuthenga izindlu kunye nabanye abahlangabezana neendlela ezithile zokufaneleka. Ezi nkqubo zenza kube lula ukuba abantu bangene kwimarike yezindlu ngaphandle komthwalo wokulondoloza iinyanga okanye iminyaka ukuhlangabezana neemfuno zentlawulo. Nokuba kungenxa yeMali mboleko yeZero Down okanye ngokufumana uNcedo lweNtlawulo ePhantsi, abathengi abaninzi banokuyinciphisa kakhulu imiqobo yabo yezemali kubunini-zindlu.

Ukuqukumbela, iinketho zeZero Down zeNtlawulo kunye neenkqubo zoNcedo lweNtlawulo zibonelela ngamathuba amahle kwabo bafuna ukuthenga ikhaya kodwa betsala nzima ngeemfuno zentlawulo ephantsi. Ezi nkqubo zivula iingcango zobunini bezindlu kubathengi abaninzi abanokuthi ngenye indlela bazive benexabiso ngaphandle kwemarike. Ukuba ucinga ngokuthenga ikhaya, ukujonga iinketho zeNtlawulo eziPhantsi zeZero kunye noNcedo lweNtlawulo ePhantsi kunokukunceda ufezekise iinjongo zakho zobunini-khaya ngokukhawuleza kunye noxinzelelo oluncinci lwemali.