Xa kuziwa ekuthengeni ikhaya e-United States, ukufumana awona maxabiso angcono emali-mboleko kunokwenza umahluko omkhulu kwikamva lakho lezemali. Enye yezona ndlela zisebenzayo zokufezekisa oku kukusebenzisa imali-mboleko ye-Arhente. Kweli nqaku, siza kuphonononga ukuba iMali-mboleko ye-Arhente ingakunceda njani ukuba ufumane awona maxabiso abalaseleyo emali-mboleko kwaye kutheni ilukhetho oludumileyo phakathi kwabathengi baseMelika.

Ukuqonda Imali-mboleko ye-Arhente

Imali-mboleko ye-Arhente luhlobo lwemali-mboleko exhaswa ngamashishini axhaswa ngurhulumente (GSEs) afana noFannie Mae kunye noFreddie Mac. Ezi arhente zibonelela ngomnatha wokhuseleko kubabolekisi, ukuqinisekisa ukuba banokunikezela ngamaxabiso akhuphisanayo emali-mboleko kubaboleki. Ngokukhetha iMali-mboleko ye-Arhente, unokuxhamla kumazinga asezantsi enzala kunye nemimiselo encomekayo xa kuthelekiswa nezinye iintlobo zeemali-mboleko.

Kutheni Ukhetha Imali-mboleko ye-Arhente?

Esinye sezizathu eziphambili zokuba abathengi bakhethe iMali-mboleko ye-Arhente sinakho ukukhusela awona maxabiso angcono okubambisa. Ekubeni ezi mboleko zixhaswa yi-GSEs, ababolekisi bazimisele ngakumbi ukunika amaxabiso aphantsi, okwenza ukuba ubunini bezindlu bufikeleleke ngakumbi. Ukongeza, iiMali-mboleko ze-Arhente ziza kunye nezikhokelo ezisemgangathweni, ezinokwenza lula inkqubo yokuvunywa kwaye zinike ukuqonda okucacileyo malunga noko kulindelweyo.

UngakuLungela njani awona Maxabiso aPhakamileyo eMali-mboleko ye-Arhente

Ukulungela awona mazinga angcono emali-mboleko kunye neMali-mboleko ye-Arhente, kukho izinto ezininzi ekufuneka uziqwalasele:

1. Amanqaku okuthenga ngetyala: Amanqaku aphezulu etyala anokuchaphazela kakhulu amaxabiso okuthenga ngetyala oyinikwayo. Injongo yokugcina amanqaku ekhredithi ubuncinane angama-620, nangona amanqaku aphezulu aya kunika amaxabiso angcono nangakumbi.
2. Intlawulo ephantsi: Ubungakanani bentlawulo yakho ephantsi bunokuba nefuthe kwizinga lenzala kwiMali-mboleko yakho ye-Arhente. Intlawulo enkulu ephantsi idla ngokukhokelela kumazinga asezantsi emali-mboleko.
3. Umlinganiselo weTyala ukuya kuMvuzo: Ababolekisi baya kuvavanya umlinganiselo wetyala lakho ukuya kwingeniso ukumisela amandla akho okubuyisela imali-mboleko. Ukugcina lo mlinganiselo ungaphantsi kwe-36% kunokuphucula amathuba akho okufumana awona maxabiso angcono emali-mboleko.
4. Ingqesho eZinzileyo: Ukubonisa imbali yengqesho ezinzileyo kunokonyusa ukufaneleka kwakho kwiMali-mboleko ye-Arhente enamaxabiso avumayo okubambisa.

Iinzuzo zokuKhusela awona maRhafu eNtengiso yokubolekwa kwezindlu

Ukufumana awona maxabiso angcono emali-mboleko ngeMali-mboleko ye-Arhente kunokukhokelela kulondolozo olukhulu kubomi bemali mboleko yakho. Amazinga enzala asezantsi athetha iintlawulo ezincinci zenyanga kunye nemali encinci echithwa kwinzala, okukuvumela ukuba ubeke iimali ezingaphezulu kwezinye iinjongo zemali.

Ukuqukumbela

Imali-mboleko ye-Arhente lolona khetho lubalaseleyo kubathengi bezindlu abajonge ukukhusela awona maxabiso angcono okubambisa e-USA. Ngokuqonda iziqinisekiso kunye neenzuzo ezinxulumene nezi mboleko, unokwenza isigqibo esinolwazi esixhasa impilo yakho yezemali yexesha elide. Nokuba ungumthengi wokuqala wezindlu okanye ujonge ukuxhasa ngemali, ukuhlola iiMali-mboleko ze-Arhente kunokuvula umnyango wokuba ngabanini-zindlu abafikelelekayo.

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.