Ukujonga iiMali-mboleko zeKhaya ngaphandle kweMbali yeNgqesho e-US

Ukuthenga ikhaya linyathelo elibalulekileyo ebomini bakhe nabani na, kodwa ukufumana imali mboleko kungaba ngumsebenzi onzima, ngakumbi ukuba unayo.Akukho mbali yengqesho. Ngelixa ababolekisi-mali bemveli besoloko befuna ubungqina bengeniso ezinzileyo, kusekho iindlela ezisebenzayo zokufumana imali mboleko yendlu engenambali yokuqeshwa. Eli nqaku liphonononga izicwangciso ezahlukeneyo kunye neengcebiso zokukunceda ujonge inkqubo yemali mboleko yendlu ngaphandle kwerekhodi yengqesho eqhelekileyo.

Ukuqonda Ucelomngeni

Xa ufaka isicelo semali mboleko yendlu, ababolekisi badla ngokuhlola ukukwazi kwakho ukuyihlawula. Umsebenzi ozinzileyo kunye nomvuzo ohambelanayo yinto ephambili kolu vavanyo. Nangona kunjalo, ukungabi nambali yengqesho akukwenzi ungafaneleki ngokuzenzekelayo ukuba ufumane imali mboleko yendlu. Ababolekisi-mali baya kujonga eminye imiba yemeko yakho yezemali ukumisela ukuba ukufanele na ukuboleka.

Enye imithombo yoMvuzo

Ukuba awunambali yengqesho, kubalulekile ukubonisa eminye imithombo yengeniso. Oku kunokubandakanya:

1. utyalo-maliUmvuzo: Izahlulo, inzala, okanye ingeniso yerenti inokuqwalaselwa.
2. Ukuziqesha: Ukuba uqhuba ishishini lakho, nikezela ngeengxelo zemali ezineenkcukacha kunye neembuyekezo zerhafu.
3. Umvuzo woMlingane: Ukuba iqabane lakho linengeniso ezinzileyo, umvuzo walo unokudityaniswa kwisicelo semali-mboleko.
4. Ingxowa-mali yomhlalaphantsi okanye yomhlalaphantsi: Iintlawulo eziqhelekileyo ezivela kwii-akhawunti zomhlalaphantsi zingasetyenziswa njengobungqina bengeniso.

Ukwakha iProfayili yezeMali eyomeleleyo

Ngaphandle kwembali yengqesho, kufuneka uqinise ezinye iinkalo zeprofayile yakho yezemali:

• Inqaku leTyala: Gcina amanqaku aphezulu ekhredithi ngokuhlawula amatyala kunye nokulawula ikhredithi ngenkathalo.
• Ubeka imali phantsi: Intlawulo ephantsi enkulu inciphisa umngcipheko wombolekisi kwaye yandise amathuba akho okufumana imvume.
• Ugcino: Isixa esikhulu sogcino lubonisa uzinzo lwemali kunye nokukwazi ukuhlawulela iintlawulo zokubambisa.

Ukufuna ababolekisi abangengobantu bemveli

Iibhanki zemveli zinokuba neemfuneko ezingqongqo, kodwa kukho ababolekisi abangengabo bemveli abakhethekileyo ekusebenzeni nabantu abangenambali yengqesho. Aba babolekisi banokunikezela ngemibandela ebhetyebhetye ngakumbi kodwa amaxesha amaninzi kumazinga enzala aphezulu. Kubalulekile ukuthelekisa ababolekisi abahlukeneyo ukuze ufumane esona sivumelwano singcono.

Iinkqubo zikaRhulumente

Urhulumente wase-US ubonelela ngeenkqubo ezininzi zokunceda abantu bakhusele imali-mboleko yezindlu:

• Imali-mboleko ye-FHA: Ixhaswa yiFederal Housing Administration, ezi mboleko zineemfuno ezithambileyo.
• VA mboleko: Iyafumaneka kumagqala kunye namalungu enkonzo asebenzayo, ezi mboleko azifuni ntlawulo.
• Imali-mboleko ye-USDA: Yenzelwe abathengi basemaphandleni, ezi mboleko zibonelela ngenzala ephantsi kwaye akukho ntlawulo iphantsi.

Ukuqukumbela

Ukufumana imali mboleko yendlu ngaphandle kwembali yengqesho e-US ngumngeni kodwa akunakwenzeka. Ngokubonisa ezinye iindlela zokufumana ingeniso, ukwakha iprofayili yezemali eyomeleleyo, ukukhangela ababolekisi-mali abangengobantu bemveli, kunye nokuthathela ingqalelo iinkqubo zikarhulumente, ungawandisa amathuba akho okufumana imali-mboleko yendlu. Khumbula, umbolekisi ngamnye uneenqobo ezahlukeneyo, ngoko ke kubalulekile ukuba uthenge kufutshane kwaye ufumane eyona ifanele imeko yakho. Ngokuzingisa kunye nendlela efanelekileyo, unokufezekisa iphupha lakho lobunini bezindlu ngaphandle kwembali yengqesho yemveli.

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.