Akukho zithintelo zeMvuzo kwaye akukho Lungiso lokuThenga: Iimali-mboleko zoluntu zabathengi basekhaya abaQala

Ubunini bezindlu bunokufikeleleka kwaye bufikeleleke ngeMali-mboleko yoLuntu eyenzelweAmabanga aphantsiIndawo yokuhlala Kuphela. Le nkqubo ishenxisa imiqobo eqhelekileyo ngokungaboneleli ngohlengahlengiso lwe-LLPA ukuze kuthengwe, akukho zithintelo zengeniso njengezinye iinkqubo zabancedisi, kunye nokwamkela abaqalayo ukuthenga izindlu. Ngokugxila kuzinzo kunye nokuthotyelwa, ezi mboleko zilandela ngokungqongqo izikhokelo ze-arhente, zizenza zithembeke kubathengi kunye nababolekisi ngokufanayo.

IiNzuzo eziPhambili zeImali-mboleko yoLuntu 

1. Indawo yokuhlala yokuqala kuphela

Imali-mboleko yoLuntu ilungiselelwe abathengi abaceba ukuhlala kwikhaya njengendawo yabo yokuhlala ephambili, beqinisekisa uzinzo kunye nokugxila kubunini bexesha elide.

2. Akukho Lungiso lweLLPA ekuThengweni

Ngokungafaniyo neendlela ezininzi zokubambisa, le nkqubo ayinayo iLLPA (Uhlengahlengiso lweNqanaba leMali-mboleko) yokuthenga. Abathengi banokonwabela amaxabiso okukhuphisana kunye namaxabiso alula ngaphandle kweentlawulo ezifihliweyo.

3. Akukho zithintelo zeNgeniso njengezinye iiNkqubo zoNcedisi

Enye yezinto ezibalaseleyo kule nkqubo akukho zithintelo zengeniso. Ngokungafaniyo nezinye iinkqubo zabancedisi ezibeka iikepusi zengeniso, olu khetho lwemali-mboleko luyafikeleleka kubathengi kuwo onke amanqanaba engeniso.

4. Abathengi basekhaya abaQala bamkelekile

Abathengi bokuqala banokusebenzisa ngokupheleleyo le nkqubo, kunye neziqinisekiso ezilungelelanisiweyo kunye nemiqobo embalwa kubunini bezindlu.

5. Landela iziKhokelo ze-Arhente

Ezi mboleko zihambelana ngokungqongqo nezikhokelo zikaFannie Mae kunye noFreddie Mac, ziqinisekisa ukuthotyelwa, ukuthembeka, kunye nenkqubo yokuvunywa kwemali mboleko. Ukusuka ekuqinisekisweni kwengeniso ukuya kuvavanyo lwepropathi, inkqubo ihambelana nemigangatho emiselweyo.

Ngubani Onokungenelwa?

-Abathengi basekhaya bokuqala: Ukuba uthenga ikhaya lakho lokuqala, le nkqubo ibonelela ngokuguquguquka ngaphandle kohlengahlengiso lweLLPA kwaye akukho zithintelo zengeniso.

-Abathengi abaPhindayo: Nokuba awungomthengi wokuqala, ungakulungela ukuba nje ikhaya liyindawo yakho yokuhlala yasePrimary kuphela.

- Iiarhente kunye nababolekisi: Inkqubo ethe ngqo elandela imigangatho ye-arhente iqinisekisa ukungafihli kunye nenkqubo yokuthengiselana lula.

Ukufaneleka kwePropati

Imali-mboleko yoLuntu ixhasa iipropathi ezahlukeneyo ezifanelekileyo, ezibandakanya:

- 1-unit amakhaya, PUDs, kunye 2-4 unit properties.

- Iipropati ezingafanelekanga: Ii-Condos, amakhaya enziweyo, kunye nomhlaba wokulima.

Ngomlinganiselo omncinci wamanqaku e-FICO angama-620 kunye nokhuphiswano lwemali-mboleko esisigxina (iminyaka eyi-15 kunye ne-30 yeminyaka), le nkqubo yenza lula inkqubo yokuboleka imali ngelixa iqinisekisa ukufaneleka okubanzi.

Kutheni Khetha iiMali-mboleko zoLuntu?

Imali-mboleko yoLuntu ifanelekile kubathengi abafuna ukufikeleleka kunye nokufikeleleka. Ngokususa izithintelo zengeniso kunye nohlengahlengiso lwe-LLPA ekuthengeni, abathengi bonga kwiindleko ngelixa besonwabela ukuba bhetyebhetye. Abo baqalayo ukuthenga izindlu ngokukodwa bayaxhamla kwezi ziqinisekiso ezenziwe lula zale nkqubo, idala indlela ecacileyo yokuba ngabaninimzi.

Kubaqeqeshi bezindlu, ezi mboleko zibonelela ngesisombululo esithembekileyo kubathengi, ngokuhambelana ngokungqongqo nezikhokelo ze-arhente. Inkqubo iqinisekisa ukuthengiselana okugudileyo, imiqathango yokhuphiswano, kunye nenkxaso-mali efikelelekayo kuluhlu olubanzi lwabathengi.

Ukuqukumbela

Imali-mboleko yoLuntu yophula imiqobo yobunini-zindlu ngeenzuzo ezifana nokungathintelwa kwengeniso, akukho luhlenga-hlengiso lweLLPA lokuthenga, kunye nokufaneleka kwabo baqalayo ukuthenga izindlu. Idizayinelwe ukuHlala okuPhambili kuphela, ezi mboleko zibonelela ngozinzo, ukufikeleleka, kunye nokuzithemba kubathengi kwimarike yezindlu yanamhlanje.

Fumanisa ukuba iMali-mboleko yoLuntu inokwenza njani iphupha lakho lokuba nekhaya libe yinyani-enziwe lula, ifikeleleke, kwaye ihambelane nezikhokelo ze-arhente.