Iindaba ze-Mortgage

AAA Utyalo-mali lweNkunzi luyile iindidi ezahlukeneyo zemveliso yemali-mboleko ukukunceda uthenge ipropati oyifunayo.
1- Imali mboleko engeyiyo ye-QM- Eyona nto ingcono kuwe ngaphandle kwenqaku letyala elilungileyo kunye nomvuzo ozinzileyo.Akukho mfuneko yentlawulo yakho okanye i-W2.Sinemveliso ezininzi, kwaye kuhlala kukho enye yakho.

2- Imali mboleko eqhelekileyo –Eyona nto ibhetele kuwe ngamanqaku alungileyo etyala kunye nomvuzo olungileyo.I-DTI idinga i-50% engezantsi.

3- Imali mboleko yeJumbo – Eyona nto ingcono kuwe ngetyala elibalaseleyo kunye nomvuzo ojonge ukuthenga ikhaya elinexabiso eliphezulu, i-DTI idinga i-43% ngezantsi.

4- Imali mboleko ye-inshorensi karhulumente-Eyona nto ingcono kuwe onamanqaku asezantsi etyala kwaye ungenayo imali eninzi yokuhlawula.
● Iimali-mboleko ze-FHA – Zixhaswa yi-FHA, ezi ntlobo zemboleko-mali zezindlu zinceda ukwenza ubunini-zindlu bunokwenzeka kubaboleki abangenayo intlawulo ephantsi egciniweyo okanye abangenayo intengo yemboleko yabucala.
● Iimali-mboleko ze-VA - iimali-mboleko ze-VA zibonelela ngeemali-mboleko eziguquguqukayo, ezinenzala ephantsi kumalungu omkhosi wase-US (umsebenzi osebenzayo kunye namagqala) kunye neentsapho zabo.Imali mboleko ye-VA ayifuni intlawulo ephantsi okanye i-inshurensi yokubambisa.

I-5- I-mortgage yezinga elimiselweyo-Ingcono kubaboleki abafuna ukuqikelelwa kweentlawulo ezifanayo kuyo yonke imali mboleko.

I-6- Adjustable-rate mortgage - Eyona ingcono kubaboleki abangacebi ukuhlala ekhaya ixesha elide, kwaye bakhululekile kumngcipheko weentlawulo ezinkulu endleleni.