Ngaba unexhala lokuba amanqaku akho etyala angakuthintela ukuba ukufanele ukufumana imali-mboleko? Ungavumeli amanqaku asezantsi eFICO akubambezele ekufezekiseni iphupha lakho lobunini bezindlu. Kwa-AAA LENDINGS, sisebenza ngokukhethekileyo ekuncedeni ababoleki ngamanqaku asezantsi etyala akhuseleke izisombululo zokubambisa ezifikelelekayo ezilungiselelwe iimfuno zabo.

Yintoni Amanqaku eFICO?

Amanqaku eFICO, aphuhliswe yiFair Isaac Corporation, luhlobo lwamanqaku etyala asetyenziswa ngababolekisi ukuvavanya ukufaneleka kwababoleki. Amanqaku akho eFICO asekelwe kwizinto ezahlukeneyo, kuquka imbali yakho yentlawulo, ukusetyenziswa kwekhredithi, ubude bembali yekhredithi, ii-akhawunti ezintsha zekhredithi, kunye neentlobo zekhredithi esetyenzisiweyo. Amanqaku eFICO aqala kwi-300 ukuya kwi-850, kunye namanqaku aphezulu abonisa ukufaneleka kwekhredithi.

Imingeni yamanqaku eFICO asezantsi

Ukuba nenqaku eliphantsi le-FICO kunokukwenza kube nzima ngakumbi ukufumana i-mortgage. Ababolekisi banokujonga amanqaku asezantsi etyala njengomngcipheko ophezulu, okhokelela kumazinga aphezulu enzala, iimfuno ezingqongqo zokufaneleka, okanye ukwalelwa imali-mboleko. Nangona kunjalo, ukuba namanqaku ekhredithi aphantsi akuthethi ukuba awukwazi ukufumana i-mortgage. Kusekho iinketho ezikhoyo zokukunceda ufezekise iinjongo zakho zobuninimzi.

Izisombululo ze-Mortgage zamanqaku asezantsi e-FICO

Imali-mboleko ye-FHA

Iimali-mboleko ze-FHA (Federal Housing Administration) ziimali-mboleko ezixhaswa ngurhulumente ezenzelwe ukunceda ababoleki ngamanqaku asezantsi etyala kunye neemali zentlawulo ezilinganiselweyo. Ngemali-mboleko ye-FHA, usenokufumana imali-mboleko kunye namanqaku ekhredithi asezantsi njenge-500, ngokuxhomekeke kwiimfuno zomboleki. Iimali-mboleko ze-FHA zibonelela ngeendlela zokufaneleka ezibhetyebhetye kunye nenzala ekhuphisanayo, nto leyo ezenza zibe lukhetho olunomtsalane kubaboleki abanamanqaku asezantsi etyala.

VA mboleko

Iimali-mboleko ze-VA (iSebe leMicimbi yamagqala) ziyafumaneka kumagqala afanelekileyo, amalungu enkonzo asebenzayo, kunye namaqabane aphilayo. Iimali-mboleko ze-VA zibonelela ngeenzuzo ezininzi, kubandakanywa akukho ntlawulo ifunekayo, inzala ekhuphisanayo, kunye neemfuno zamanqaku athambileyo etyala. Ngelixa akukho mfuneko yamanqaku asezantsi etyala kwimali-mboleko ye-VA, uninzi lwababolekisi bakhetha ababoleki abanamanqaku etyala angama-620 okanye ngaphezulu.

Imali-mboleko ye-USDA

I-USDA (iSebe lezoLimo lase-United States) mboleko ixhaswa yi-USDA kwaye yenzelwe ukunceda ababoleki abanengeniso ephantsi ukuya kwephakathi kwiindawo ezisemaphandleni nakwiidolophu zasemaphandleni bafezekise ubunini bezindlu. Iimali-mboleko ze-USDA zibonelela ngenzala ekhuphisanayo, akukho mfuneko yentlawulo ephantsi, kunye neemfuno zamanqaku etyala aguqukayo. Nangona kungekho mfuneko yamanqaku ekhredithi amancinci kwi-USDA mboleko, abaninzi ababolekisi bakhetha ababoleki ngamanqaku ekhredithi angama-640 okanye ngaphezulu.

Iimali-mboleko ezingezizo eze-QM

Iimali-mboleko ze-Non-QM (i-Mortgage eNgafanelanga) zezinye iindlela zokubolekwa kwezindlu ezingafikeleliyo kwiinkqubo ezibekwe ngamaqumrhu axhaswa ngurhulumente afana noFannie Mae okanye uFreddie Mac. Ezi mboleko zibonelela ababoleki abaneemeko ezizodwa zezimali, kubandakanywa nabantu abazisebenzelayo, abatyali-mali, kunye nabo baneengxaki zetyala. Iimali-mboleko ezingezizo eze-QM zibonelela ngeendlela zokufaneleka ezibhetyebhetye kwaye zinokuqwalasela izinto ezingaphaya kwamanqaku entengo yetyala, ezifana nokuzinza kwengeniso kunye nempahla yexabiso.

Kutheni Khetha i-AAA LEENDINGS?

Kwi-AAA LENDINGS, siyaqonda ukuba imeko yezemali yomntu wonke yahlukile. Yiyo loo nto sinikezela ngoluhlu olubanzi lwezisombululo zokubambisa ezilungiselelwe iimfuno zakho, kuquka iinketho zababoleki abanamanqaku asezantsi etyala. Ngobuchule bethu kunye nendlela eyenzelwe wena, siza kusebenza nawe ukufumana isisombululo esifanelekileyo semali-mboleko esihambelana nohlahlo lwabiwo-mali kunye neenjongo zakho. Qhagamshelana nathi namhlanje ukuze ufunde ngakumbi kwaye uthathe inyathelo lokuqala elibhekiselele kubunini zindlu, nokuba ngamanqaku asezantsi eFICO.

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.