IiNkqubo zeMali-mboleko ziFumaneka kubaboleki abaziQesheleyo

Ukuzulazula kwimo ye-mortgage kunokuba lucelomngeni ngakumbiqeshwaababoleki. Ngokungafaniyo nabasebenzi bemveli, abantu abazisebenzelayo bahlala benemivuzo eguquguqukayo kunye neemeko ezizodwa zezimali ezinokuthi zibe nzima inkqubo yokuvuma imali-mboleko. Ngethamsanqa, kukho iinkqubo ezininzi zemboleko ezenzelwe ngokukodwa ukuhlangabezana neemfuno zababoleki abazisebenzelayo. Kweli nqaku, siza kuphonononga ezi nkqubo mboleko kunye nendlela ezinokukunceda ngayo ufezekise ubunini-khaya.

1.Imali-mboleko eqhelekileyos

Uninzi lwababoleki abazisebenzelayo banokufanelekela ukuboleka imali eqhelekileyo, engaxhaswanga ngurhulumente. Nangona kunjalo, ababolekisi bafuna amaxwebhu amaninzi okuvavanya ukuzinza kwezemali zomboleki. Abantu abazisebenzelayo banokufuna iminyaka emibini yembuyekezo yerhafu yomntu kunye neyeshishini, iziteyitimenti zenzuzo nelahleko, kunye neengxelo zebhanki ukubonisa ukungaguquguquki kwengeniso. Ababolekisi bajonga amanqaku aqinileyo okuthenga ngetyala kunye nomlinganiselo ophilileyo wetyala ukuya kwingeniso.

2. Imali-mboleko ye-FHA

Federal Housing Administration (FHA) mboleko yenye indlela esebenzayo kubaboleki abazisebenzelayo. Ezi mali-mboleko ziyilelwe ukunceda abantu abanemivuzo ephantsi ukuya kwephakathi ukuba bazuze ubunini-zindlu. Iimali-mboleko ze-FHA zineemfuno zesiqinisekiso ezibhetyebhetye ngakumbi kwaye zivumela amanqaku asezantsi ekhredithi xa kuthelekiswa nemali-mboleko eqhelekileyo. Ababoleki abazisebenzelayo kufuneka babonelele ngeminyaka emibini yembuyekezo yerhafu kunye nobungqina bokuzinza kwengeniso, kodwa i-FHA ngokuqhelekileyo ibonelela ngakumbi malunga nokuqinisekiswa kwengeniso.

3. Imali-mboleko ye-VA

Kumagqala afanelekileyo kunye namalungu enkonzo asebenzayo, imali-mboleko ye-VA lolona khetho lubalaseleyo olubonelela ngeenzuzo ezininzi. Imali-mboleko ye-VA ayifuni intlawulo ephantsi kwaye ayinayo iimfuno ze-inshurensi ye-mortgage yangasese (PMI). Ababoleki abazisebenzelayo bangakwazi ukufumana imali-mboleko ye-VA ngokubonelela ngamaxwebhu afanayo nalawo afunekayo kwimali-mboleko eqhelekileyo. Oku kubandakanya iimbuyekezo zerhafu kunye nobungqina bengeniso yeminyaka emibini edlulileyo.

4. Imali-mboleko yeDSCR

I-Debt Service Coverage Ratio (DSCR) mboleko ilungiselelwe ngokukodwa abatyali-mali bezindlu kunye nababoleki abazisebenzelayo. Le nkqubo yemali-mboleko ivumela ababoleki ukuba bafaneleke ngokusekelwe kwingeniso eyenziwe yipropati kunokuba ingeniso yabo yobuqu. Oku kuluncedo kakhulu kubantu abaziqeshileyo abanokuba nengeniso eguquguqukayo kodwa babe beneepropati zotyalo-mali ezivelisa ukuhamba kwemali okungaguqukiyo.

5. Imali-mboleko yeNgxelo yeBhanki

Iimali mboleko zebhanki zifanelekile kubaboleki abaziqeshileyo abasenokungabinawo amaxwebhu engeniso yemveli. Endaweni yeembuyekezo zerhafu, ababolekisi bavavanya ingeniso yomboleki ngokusekelwe kwiingxelo zabo zebhanki. Ngokuqhelekileyo, ababolekisi baya kuhlalutya iinyanga ezili-12 ukuya kwezingama-24 zeengxelo zebhanki ukumisela umndilili wediphozithi yenyanga, ukubonelela ngomfanekiso ocacileyo wengeniso yomboleki.

Ukuqukumbela

Ababoleki abazisebenzelayo baneenkqubo ezahlukeneyo zemali-mboleko ezifumanekayo ukubanceda baqhubele phambili inkqubo yokuboleka imali. Ukusuka kwimali-mboleko eqhelekileyo ukuya kwi-FHA kunye ne-VA mboleko, kunye ne-DSCR kunye neemali-mboleko zeengxelo zebhanki, kukho iinketho ezilungiselelwe ukulingana neemeko zezimali ezizodwa zabantu abaziqeshileyo. Ngokuqonda ezi nkqubo zemboleko kunye nokuqokelela amaxwebhu ayimfuneko, ababoleki abazisebenzelayo banokuwaphucula amathuba abo okufumana imali-mboleko kunye nokufezekisa amaphupha abo okuba ngabanini bezindlu.