11/20/2023

Xa ungena kwindawo yobunini bezindlu, esinye sezona zigqibo zibalulekileyo zibandakanya ukukhetha uhlobo olufanelekileyo lwemali-mboleko.Phakathi kweenketho ezininzi, iimali-mboleko eziqhelekileyo, kunye ne-VA exhaswa ngurhulumente, i-FHA, kunye ne-USDA mboleko zezona zibalaseleyo.Nganye kwezi mboleko ibonelela ngeemfuno ezahlukeneyo, iimeko zemali, kunye neendlela zokufaneleka, nto leyo eyenza ukhetho lube yinxalenye ebalulekileyo yenkqubo yokuthenga ikhaya.

Kwinqaku lethu elidlulileyo, 'Ukuqonda iiMali-mboleko eziQhelekileyo zokubolekwa kwezindlu nge-AAA LENDINGS,' sazise ukuba yintoni na imali-mboleko yesiqhelo kwaye saphonononga iimpawu zayo kunye noncedo.Namhlanje, sihlola nzulu ngokuthelekisa i-VA, i-FHA, kunye ne-USDA mboleko.Ngolu thelekiso, sijonge ukukunika ulwazi oluphangaleleyo lweempawu ezizodwa zohlobo ngalunye lwemali-mboleko.Olu lwazi luya kukunceda ekukhetheni imveliso yokubambisa eyenelisa iimfuno zakho.

 

Imali-mboleko eqhelekileyo: Ukhetho oludumileyo

Iimali-mboleko eziqhelekileyo, ezingakhuselwanga naliphi na iziko likarhulumente, zime njengokhetho oludumileyo kubathengi abaninzi.Uphawu lwabo luguquguqukayo, lunikezela ngemimiselo eyahlukeneyo (i-15, i-20, okanye i-30 iminyaka) kunye neentlobo (amaxabiso amiselweyo okanye ahlengahlengiswayo).Oku kuziqhelanisa nemeko kubenza bafaneleke kuluhlu olubanzi lwababoleki, ngakumbi abo banenkangeleko yekhredithi eyomeleleyo kunye nokukwazi ukwenza iintlawulo ezininzi.

Nangona kunjalo, oku bhetyebhetye kuza neemfuno ezithile.Iimali-mboleko eziqhelekileyo zihlala zifuna amanqaku aphezulu ekhredithi kunye neentlawulo ezinkulu eziphantsi xa kuthelekiswa nabalingane babo abaxhaswa ngurhulumente.Ukongezelela, ukuba intlawulo ephantsi ingaphantsi kwe-20%, ababoleki kufuneka bahlangabezane neendleko ezongezelelweyo ze-inshurensi ye-mortgage yangasese (PMI), ukwandisa intlawulo yenyanga.

VA Imali-mboleko: Ukukhonza abo Bakhonzayo
Ilungiselelwe ngokukhethekileyo amagqala kunye namalungu enkonzo asebenzayo, iimali-mboleko ze-VA zibonelela ngeyona migaqo ilungileyo kwimarike yemali-mboleko.Olona phawu lubalaseleyo kukungabhatalwa kwemfuneko, isiqabu esibalulekileyo kwabo bangakwaziyo ukuqokelela imali eninzi.Ngaphezu koko, ukungabikho kwe-PMI kunciphisa umthwalo wemali wenyanga, okwenza ukuba ubunini bezindlu bufikeleleke.

Nangona kunjalo, iimali-mboleko ze-VA azinayo imida.Zibandakanya umrhumo wenkxaso-mali (uyekiweyo kwabanye), kwaye kukho imigaqo engqongqo malunga nokufaneleka kwababoleki kunye neentlobo zeepropathi ezinokuthengwa.Ezi mboleko zisisipho kwinkonzo yasemkhosini, zibonelela ngeenzuzo ezinkulu kodwa zivalelwe kwiqela elithile lababoleki.

Imali-mboleko ye-FHA: Ukuvula iingcango zabaninzi
Iimali-mboleko ze-FHA, ezixhaswa yi-Federal Housing Administration, zibhenela ngokukhethekileyo kubathengi bokuqala kunye nabo banembali engaphantsi kwe-stellar credit.Iimfuno zabo ezisezantsi zamanqaku etyala kunye nokuba nokwenzeka kokwenza intlawulo ephantsi njenge-3.5% ivula umnyango wokuba ngabaninimzi kwabaninzi abanokuthi babekwe ecaleni.

Nangona kunjalo, iimali-mboleko ze-FHA zithwala umthwalo we-Mortgage Insurance Premiums (MIP), enokuhlala ubomi bemboleko ukuba intlawulo ephantsi ingaphantsi kwe-10%.Ezi ndleko ziqhubekayo, kunye nemida ephantsi yemali-mboleko kunye nemigangatho engqongqo yepropathi, yimiba ekufuneka ababoleki beyilinganisele ukufikeleleka kwezi mboleko.

Imali-mboleko ye-USDA: Indlela yaseMaphandleni yaseMelika eya kubunini bezindlu
Imali-mboleko ye-USDA ijolise kuluntu olwahlukileyo, olujolise ekomelezeni ubunini-zindlu emaphandleni nakwimimandla ethile yasezidolophini.Ezi mboleko zilungele abantu abanemivuzo ephantsi ukuya kwephakathi abanokufumana ubunzima kwiintlawulo eziphantsi, njengoko bengazifuni.Ukongeza, banikezela ngeemali ezincitshisiweyo ze-inshurensi yokubambisa kunye nenzala ephantsi, ngaphandle kwentlawulo ephantsi.

Ukubanjiswa ngeemali mboleko ze-USDA kulele kwizithintelo zabo zejografi kunye nengeniso.Zilungiselelwe iindawo ezithile kunye namanqanaba engeniso, ukuqinisekisa ukuba izibonelelo zijoliswe kwabo basweleyo kwiindawo zasemaphandleni.Ubungakanani bepropathi kunye nokunciphisa iindleko nazo ziyasebenza, ukuqinisekisa ukuba inkqubo igxininisa kwizindlu ezisemgangathweni, ezifikelelekayo.

Ukukhetha iNkqubo yeMali-mboleko eLungileyo kwiiMfuno zakho
Uhambo oluya kubunini zindlu lulungiswa ngeengqwalasela ezahlukeneyo zemali nezomntu.Iimali-mboleko eziqhelekileyo zibonelela ngokuguquguquka okukhulu kodwa zifuna ukuma okuphezulu kwezemali.Iimali-mboleko ze-VA zibonelela ngeenzuzo ezimangalisayo kumalungu afanelekileyo enkonzo kodwa zilinganiselwe kumda.Imali-mboleko ye-FHA yehlisa umqobo wokungena kubunini-khaya, ilungele abantu abaqalayo okanye abo baphinda bakha ikhredithi.Okwangoku, iimali mboleko ze-USDA zijolise ekuncedeni abathengi bamakhaya basemaphandleni ngeendlela ezilinganiselweyo.

Ekugqibeleni, ukhetho olufanelekileyo lwe-mortgage luxhomekeke kwiimeko zomntu ngamnye, impilo yezemali, kunye neenjongo zexesha elide.Abaza kuba ngabaninimzi kufuneka balinganise iingenelo kunye nemida yokhetho ngalunye, befuna ingcebiso kubacebisi bezemali ukuze bahambe kule ndlela intsonkothileyo kodwa enomvuzo.Injongo icacile: ukufumana imali-mboleko engavuleli nje ucango kwikhaya elitsha kodwa ingena kakuhle kumfanekiso omkhulu wobomi bomntu wemali.

Ividiyo:Ukuzulazula kwiMaze yokuKhetha iMortgage-Ukuqonda okuqhelekileyo, i-VA, i-FHA, kunye ne-USDA mboleko

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.