11/20/2023

Isikhokelo sabaninimzi abanomdla

Njengoko uqalisa uhambo lobunini bendlu, ukuqonda iinketho zakho zokubambisa kubalulekile.Imali mboleko yesiqhelo, ukhetho oludumileyo phakathi kwababoleki abanamanqaku alungileyo etyala kunye nengeniso ezinzileyo, ibonelela ngendlela yokuqonda ikhaya lamaphupha akho.Kwa-AAA LENDINGS, silapha ukukukhokela kwiinkalo eziphambili zeemali mboleko eziqhelekileyo kwaye sibonise ukuba zinokungena njani kwimeko yakho yezemali.

 

Yintoni iMali-mboleko eQhelekileyo?

Imali mboleko yesiqhelo yimali-mboleko yendlu engafakwanga kwi-inshorensi okanye engaqinisekiswanga zii-arhente zikarhulumente kwaye inokwahlulwa njengemali-mboleko engqinelanayo okanye engangqinelaniyo.Iimali-mboleko ezihambelanayo zibhekisa kwabo bahlangabezana nemigaqo ebekwe nguFannie Mae okanye uFreddie Mac.Ngaphandle kweenzuzo ezizodwa ezibonelelwa ngezinye iimali-mboleko ezixhaswa ngurhulumente, iimali-mboleko eziqhelekileyo zihlala zilolona khetho luxhaphakileyo noluthandwayo kubathengi abaninzi.Uphawu oluphambili lweemali-mboleko eziqhelekileyo kukuguquguquka kwazo ngokwemiqathango.Ngokuqhelekileyo, beza kunye nexesha lemali-mboleko yeminyaka engama-30, kodwa ukhetho lweminyaka eli-15 kunye ne-20 lukwakhona, lubonelela ngeemfuno ezahlukeneyo zemali kunye nezicwangciso zababoleki.Ngaphaya koko, iimali-mboleko eziqhelekileyo zibonelela ngokhetho phakathi kwereyithi emiselweyo kunye ne-adjustable-rate mortgage (ARM).Ukhetho lwezinga elimiselweyo lubonelela uzinzo ngeqondo lenzala engaguqukiyo kubomi bemali-mboleko, nto leyo eyenza kube lukhetho olulungileyo kwabo baceba ubunini bezindlu bexesha elide.Ngakolunye uhlangothi, i-ARM mboleko iqala ngezinga eliphantsi elinokuthi lilungelelanise ixesha elide, elinokuba nomtsalane kwabo balindele ukufuduka okanye ukuxhaswa ngexesha elifutshane.Oku kuguquguquka kwenza ukuba imali-mboleko eqhelekileyo ibe yindlela yokuya kwabaninzi abafuna ukuxhasa ngemali ukuthenga kwabo amakhaya.

Iimpawu eziphambili zeeMali-mboleko eziqhelekileyo
Ubuncinci beNtlawulo: Iimali-mboleko eziqhelekileyo zifuna intlawulo ephantsi ye-3% ukuya kwi-5%.Ukukhetha intlawulo ephezulu kunokukhokelela kumazinga enzala angcono kwaye kuphelise imfuno ye-Inshurensi ye-Mortgage yabucala (PMI).

I-Inshurensi ye-Mortgage yangasese (PMI): Ukuba intlawulo yakho ephantsi ingaphantsi kwe-20%, i-PMI iyafuneka, ikhusela umbolekisi xa ukusilela.Iindleko ze-PMI ziyahluka, ziphenjelelwa zizinto ezifana nomlinganiselo wemali-mboleko-kwixabiso kunye namanqaku ekhredithi.

IiMfuno zeNqaku leKhredithi: Inzuzo ephambili yeemali-mboleko zesiqhelo lithuba lenzala ephantsi enamanqaku aphezulu etyala.Ngokubanzi, ubuncinci betyala letyala le-620 liyafuneka.

I-Debt-to-Income Ratio (DTI): Umlinganiselo wakho we-DTI ubalulekile kwinkqubo yokuvunywa.Ngokufanelekileyo, kufuneka ibe ngaphantsi kwe-43%, kunye nemilinganiselo ephantsi ithandeka ngakumbi.

UVavanyo kunye nokuBhalwa kwangaphantsi: Inkqubo yethu yokubhala phantsi ivavanya uzinzo lwemali yakho, ngelixa uvavanyo luqinisekisa ixabiso lepropati, luqinisekisa ukulungelelana nesixa-mali semboleko.
Imida yeMali-mboleko: Iimali-mboleko eziqhelekileyo zihlelwa njengezihambelanayo okanye ezingangqinelaniyo.Iimali-mboleko ezihambelanayo zihlangabezana nemida ebekwe nguFannie Mae noFreddie Mac, ngelixa iimali-mboleko ezingahambelaniyo (i-jumbo) zidlula le mida.

Amaxabiso eNzala: Kwi-AAA LENDINGS, sibonelela ngexabiso lemali-mboleko ekhuphisanayo kwimali-mboleko eqhelekileyo, eyahluka ngokweemeko zemarike kunye neprofayile yakho yetyala.

Kutheni ukhetha iMali-mboleko eQhelekileyo nge-AAA LENDINGS?
Ukuba bhetyebhetye kwisixa-mali seMali-mboleko kunye neMiqathango: Lungisa imali-mboleko yakho ifanele iimfuno zakho ezithile, nokuba sisixa-mali semali-mboleko enkulu okanye ixesha elithile lokuhlawula.

Amaxabiso oKhuphiswano lweMali-mboleko: Sisebenzela ukunika awona maxabiso ancomekayo, ukuguqulela ukonga okunokubakho kubomi bemali-mboleko yakho.

Inkonzo eyenziwe ngokwezifiso: Iingcali zethu zokuboleka imali zibonelela ngeengcebiso ezenzelwe wena, ziqinisekisa ukuba uyaziqonda iinketho zakho kwaye ufumane imali-mboleko ehambelana neenjongo zakho zemali.

Ukulungiselela iMali-mboleko yesiqhelo
Ngaphambi kokufaka isicelo, kuyacetyiswa ukuba:

• Jonga ingxelo yakho yetyala kwaye uphucule amanqaku akho ukuba kuyimfuneko.
• Bala i-DTI yakho kwaye ucinge ngokunciphisa amatyala.Izibali zethu ze-Mortgage Calculator zibonelela ngoluhlu lwezixhobo eziquka isibali sentlawulo yoMdla-kuphela, iKhatyhuleyitha ye-Amortization, iRenti vs. Thenga isibali sokubala, nokunye.Fumana ulwazi malunga nokufikeleleka, izibonelelo zerhafu, ukuhlawulwa kwamanqaku, isiqinisekiso somvuzo, i-APR ye-ARM, kunye nothelekiso lwemali-mboleko.Masikuncede ucacise iimfuno zakho kwaye wenze izigqibo ezinolwazi xa ufuna imali-mboleko yendlu.Ikhaya lakho elizayo liyafikeleleka-thatha inyathelo lokuqala namhlanje.
• Gcina kwintlawulo ephantsi kakhulu ukuze uphucule imiqathango yemali-mboleko.

Kwa-AAA LENDINGS, sizimisele ukukunceda ujonge ummandla wemali mboleko yesiqhelo.Ubuchule bethu kunye nendlela yethu yobuqu iqinisekisa ukuba wenza isigqibo esinolwazi, uvula indlela eya kwikhaya lamaphupha akho ngokuzithemba nangokucacileyo.

Ngolwazi oluthe vetshe okanye ukuqalisa inkqubo yakho yesicelo, qhagamshelana nathi namhlanje.Masenze amaphupha akho obunini bendlu abe yinyani!

Ividiyo:Ukuqonda iiMali-mboleko eziQhelekileyo zokubolekwa kwemali nge-AAA

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.