Ukuvula ubunini-ziNdlu ngeeMali-mboleko ze-Arhente

Ukuthenga ikhaya e-United States liphupha labaninzi, kodwa ukuzulazula kumhlaba wemali-mboleko kunokuziva kunzima. Ngethamsanqa, AAA Capitalutyalo-mali, I-Inc., ngokusebenzisa izisombululo zayo ezintsha zokubambisa njengeImali-mboleko ye-Arhente, yenza olu hambo lube lula. Ixhaswa zizigebenga zeshishiniUFannie Maekunye noFreddie Mac, iImali-mboleko ye-Arhenteinikeza izibonelelo ezingenakulinganiswa, kuqukainkxaso-mali eguquguqukayokwayeamazinga okhuphiswano, iyenza ibe lolona khetho lufanelekileyo kubathengi bokuqala kunye nabaninimzi abanamava ngokufanayo. Nokuba ujonge ikhaya elipholileyo losapho olunye eLos Angeles County okanye ikhondom yale mihla, le mveliso yemali-mboleko igqama njengendlela ethembekileyo yokuba ngabaninimzi.

Ilitye lembombo leImali-mboleko ye-Arhenteyiyoinkxaso-mali eguquguqukayoiinketho. Ngokungafaniyo nemali-mboleko yemveli engqongqo, le mveliso ihambelana neemfuno ezahlukeneyo zababoleki. Ngokomzekelo, i-AAA LENDINGS idibanisa i-Standard Fannie Mae kunye noFreddie Mac Conforming kunye ne-High Balance Loan Programmes kwiminikelo yayo. Oku kuthetha ukuba ababoleki banokufikelela kwimali-mboleko elungiselelwe imeko yabo yezemali, nokuba bakhetha ukubolekwa imali ehambelanayo egcinwe kwimida eqhelekileyo okanye imali mboleko ephezulu yeemarike zamaxabiso njengeLos Angeles. Ukongeza, iinkqubo ezifana ne-HomeReady kunye ne-HomePossible zibonelela abo banemivuzo encinci, enikezela ukuguquguquka kwentlawulo kunye nokunciphisa iindleko ze-inshurensi yokubambisa. Oku kuziqhelanisa kuqinisekisa ukuba iImali-mboleko ye-Arhenteayisosisombululo sobukhulu obunye kodwa sisixhobo esinokwenziwa ukuphumeza ubunini bendlu.

Olunye uphawu olubalaseleyo yiamazinga okhuphiswanoibotshelelwe kwiImali-mboleko ye-Arhente. Kwimarike apho amaxabiso enzala aguquguqukayo, ukufumana ixabiso eliphantsi, elisisigxina kunokonga ababoleki amawaka kubomi bemali-mboleko yabo. NgokukaFreddie Mac's Primary Mortgage Market Survey, amaxabiso emali-mboleko engqinelanayo ngokwembali ahlala enomtsalane, ehlala entywila ngaphantsi komndilili wemalike yesiqhelo. Umzekelo, ekuqaleni kuka-2025, iminyaka engama-30 yemali mboleko emiselweyo yajikeleza malunga ne-6.2%, kodwaImali-mboleko ye-Arhenterhoqo ukunika amazinga 0.25% ukuya 0.5% ngaphantsi ngenxa uzinzo lwabo oluxhaswa ngurhulumente. Oku kufikeleleka kukutshintsha umdlalo, ngakumbi xa kudityaniswe neenkqubo ze-AAA LENDINGS' Government Down Payment Assistance (DPA) ezifana ne-HOP80 kunye ne-HOP120, ezibonelela ukuya kuthi ga kwi-100,000 yeedola okanye i-85,000 yeedola, ngokulandelelanayo, ukuthomalalisa umthwalo weendleko ongaphambili.

Ngaphandle kwezi zibonelelo,Imali-mboleko ye-Arhentelungelelanisa ngokungenamthungo kunye namanyathelo afana nenkqubo ye-HOP yaseLos Angeles County, eyilelwe iindawo zokuhlala eziphambili kwiindawo ezingabandakanywanga okanye izixeko ezithatha inxaxheba. Ngexabiso eliphezulu lokuthenga le-$700,000 ye-HOP80 okanye i-$850,000 ye-HOP120, abathengi banokuzuzaImali-mboleko ye-Arhenteukuxhasa ngezimali iipropathi ezinje ngemizi yosapho olunye, iicondos, okanye izindlu zasedolophini. Intlawulo erhoxisiweyo, i-0% yenzala yesibini yemali-mboleko ebonelelwa yi-DPA yongeza ngakumbi ukufikeleleka, ifuna intlawulo kuphela xa ikhaya lithengisiwe okanye lingasahlali mntu. Le synergy phakathiinkxaso-mali eguquguqukayokwayeamazinga okhuphiswanoiqinisekisa ukuba ababoleki abathengi nje indlu-batyala imali kwikamva elizinzileyo.

Imizekelo yehlabathi yokwenyani igxininisa ixabiso leImali-mboleko ye-Arhente. Thatha usapho eLos Angeles County uthenge i-650,000 yeedola yedolophu. Ngokudibanisa iImali-mboleko ye-Arhentenge HOP80 kaThixo $100,000 DPA, banciphisa lien yabo yokuqala $550,000, ukufumana ukhuphiswano 5.75% izinga ngokusebenzisa AAA UKUBOLEKWA. Ngaphezulu kweminyaka engama-30, oku kubalondoloza ngaphezu kwe-$40,000 kwinzala xa kuthelekiswa nemali mboleko eqhelekileyo kwi-6.25%. Ugcino olunjalo lubalaselisa isizathu sokoImali-mboleko ye-Arhentelukhetho oluphezulu kubathengi abajonga indleko abafuna ukuguquguquka kunye nexabiso.

Ukuqukumbela, iImali-mboleko ye-Arhenteukusuka kwi-AAA Capital Investment, Inc. ingaphezulu nje kwe-mortgage-lisango lenkululeko yemali. Ngeinkxaso-mali eguquguqukayoehambelana neemfuno zakho kwayeamazinga okhuphiswanoezigcina iindleko ziphantsi, le mveliso ixhobisa abathengi ukuba baguqule amaphupha abo obunini bezindlu abe yinyani. Nokuba ungumthengi wokuqala okanye uphucula kwipropathi enebhalansi ephezulu, iImali-mboleko ye-Arhenteinikeza smart, isisombululo esifikelelekayo esilungiselelwe imarike yanamhlanje eguquguqukayo.