Ukuthenga ikhaya kuya kuba yeyona nto ithengiweyo ebomini bakho. Ke, iyavakala: Unemibuzo emininzi malunga isebenza njani yonke le nkqubo .
Ngaba kufanelekile ukuba uhambe nomgangatho wobambiso olumiselweyo okanye uhlengahlengiso lwamaxabiso obambiso (kwaye sisawoyika ezo ARMs, ukubuyela emva komhla)? Yimalini intlawulo esezantsi oyifunayo ukuze uthenge indlu? Ungalunciphisa njani inzala oyibhatalayo ekhayeni?
Siyavuya ulapha. Wamkelekile kolu hlelo olukhethekileyo lwento esithanda ukuyibiza ngokuba yiNyango yokuBambisa ngempahla. Nazi ezinye zezona ngcebiso zethu zidumileyo, ezivunywe yingcali eziza kwenza ukuba yonke inkqubo yokuthenga amakhaya ibe lula.
1. Awudingi makhredithi afanelekileyo ukuze ufaneleke kubambiso
An amanqaku akhethekileyo e-740 okanye ngentla apha unokufumana elona zinga liphezulu ekubambiseni. Kodwa usengakulungela ukuboleka imali ngamanqaku asezantsi kakhulu. Ngapha koko, ukuba ungabeka iipesenti ezili-10 kwintlawulo esezantsi, unokulungela ukufumana imali-mboleko ye-FHA ngamanqaku asezantsi angama-500.
Funda ngokugqithisileyo: I-PSA: Awudingi Mboleko ogqibeleleyo wokuthenga iNdlu
2. Intlawulo yemali mboleko enokuhlengahlengiswa kunokuba kuhle ukuba uceba ukuhamba kungekudala
Ukuba uyakuthanda uzinzo, kunye nembono yokwazi ngokuthe ngqo ukuba ubambiso lwakho luya kuba yintoni iminyaka engama-30, umyinge wemali mboleko ongaguqukiyo unokuba yeyona nto ukubheja ngayo. Ngaphezulu kwe-9 kwabali-10 abathengi basekhaya abahamba nemali mboleko emiselweyo. Kodwa, kunokubakho iimeko ezithile xa ifayile ye- ireyithi ehlengahlengisiweyo yemali mboleko Iyavakala ngakumbi, ngokungathi uqinisekile ukuba uza kuthengisa ngaphakathi kwexesha lokungenisa ngelixa amaxabiso asephantsi.
Uyakwazi ukuxelela ukuba liyakumiswa ixesha elingakanani kwisihloko semali mboleko, okt ukuba une-5/1 ARM, oko kuthetha ukuba inqanaba lentshayelelo elisezantsi lemali mboleko liya kuba lilungile kangangeminyaka emihlanu kwaye emva koko liza kulungiswa rhoqo ngonyaka . Kwaye yazi oku: Kukho ngaphezulu izikhuselo ezikhoyo kubaboleki kunangaphambili ngaphambi kwengozi yezindlu.
3. Thenga ujonge imali mboleko
Kunokulinga ukuhamba nje kwibhanki yakho yexesha elide kwaye ufake isicelo semali mboleko. Kodwa ngumbono ongcono ukuthenga ezantsi kwimali mboleko kwaye uthelekise amaxabiso. Ukuthenga ikhaya kuya kuba yeyona nto uyithengayo, ngapha koko!
Ukuqwalaselwa kwababolekisi abaninzi yinto abathengi bangexesha lokuqala abenza ngcono kunokuphinda abathengi, ngokutsho kwesifundo esivela Umthi obolekisayo . Amashumi amahlanu anesibini eepesenti zabathengi bexesha lokuqala bajonga ngaphezulu komntu obolekayo, kuthelekiswa neepesenti ezingama-48 zabathengi abaphindayo. Kodwa, inye kuphela kubathengi bokuqala bekhaya bokuqala ababeqhelene neentlobo ezahlukeneyo zemboleko mboleko ezifumanekayo kubo.
4. Sukuyithemba isibali-mali semali-mboleko
Uya kufumana zonke iintlobo zeekhalityhuleyitha zobambiso kwi-intanethi. Abanye banamathambo angenanto kwaye baya kukuxelela nje ulwazi malunga nomgaqo kunye nomdla. Ezinye zicace ngakumbi, zibeka izinto ezinje ngerhafu yepropathi, iifizi ze-HOA, kunye ne-Inshurensi yabucala yokuBambisa ngempahla.
Ngelixa ezi zibali zinokukunika uqikelelo lweballpark lokuba kungabiza malini na ukuba nekhaya, amanani aqala ukuqina wakube ugqibe isicelo kunye nenkqubo yemfundo. Phambi kokuba uvale, uza kufumana Uqikelelo lweMali-mboleko olukuxelela ngokuthe ngqo ukuba uza kuhlawula malini kwi-mortgage yakho. Nazi iikhaltyhuleyitha ezithandayo zokuthenga izindlu.
5. Ukunyaniseka yeyona migaqo ilungileyo
Ubuqhetseba bemali mboleko buyanda. Kwenzeka xa uxoka okanye ushiya ulwazi oluphambili kwisicelo sakho semali mboleko. Ubuqhetseba bokuhlala lolona hlobo luxhaphakileyo, kwaye kwenzeka xa umfaki sicelo enika ulwazi olungeyonyani malunga nezicwangciso zakhe zokuhlala kwipropathi kwaye ayisebenzise njengendawo yokuhlala isigxina (endaweni yokuyiqeshisa njenge-Airbnb esisigxina) ukuze bakulungele yemali-mboleko esezantsi. Ubuqhetseba bendlu yokubambisa bunokuhlala emanzini ashushu. Sithetha ngezityholo zolwaphulo-mthetho kunye nezohlwayo ezinkulu.
6. Sukuthenga izinto ezinkulu xa ukwinkqubo yokufumana ubambiso
Ngelixa imali mboleko yakho yekhaya ibhalwa phantsi, yiphathe imali yakho njengentengo ethe-ethe kwaye uyiphathe ngononophelo. Oko kuthetha ukuba awufuni kwenza nantoni na ephambili, njengokuthatha imali mboleko yemoto okanye ukukhupha ikhadi lamatyala kwiholide enkulu. Ukwenza njalo ngaphambi kokuvala kunokuchaphazela amanqaku akho etyala, anokutshintsha imeko yemali mboleko yakho okanye ibangele ukuba imali yakho iwele ngokupheleleyo.
7. Hlawula ityala lakho lobambiso ngexesha
Oku kunokuvakala ngathi akukho-brainer. Kodwa ukuba utyibilika ngasemva, izibonda ziphezulu njengoko ikhaya lakho linokungena ekuthinjweni. Ngelixa izikhokelo zahluka ngurhulumente, ababolekisi baqala inkqubo yokuxelwa kwangaphambili kumanqaku eentsuku ezingama-120.
Ukuze uqiniseke ukuba uhlawula imali mboleko yakho ngexesha ngenyanga, gcina iindleko zenyanga ezimbalwa kwiakhawunti yakho yokonga njengephedi kunye nokuseta izikhumbuzo zokuba ubanjelwe nini.
8. Rhangqa intlawulo yakho yobambiso rhoqo ngenyanga
Ukuba unemali eyoneleyo yokuhamba kwemali, kwaye kungaphakathi kuhlahlo-lwabiwo mali, ukujikeleza ukuya kuthi ga kwikhulu leedola kwindlu yakho oyibambisileyo inyanga nenyanga. Qinisekisa ukuba uyazi ukuba ufuna ukuba intlawulo iye kwinqununu.
Ngenxa yokuba imali mboleko ihlawulwe, oku kuya kunceda ukunciphisa isixa semali ohlawula inzala kuso kwaye ngokusebenzisa esi sicwangciso, unganciphisa iinyanga (mhlawumbi neminyaka!) Kubambiso lwakho.
Funda ngokugqithisileyo: I-3 Ngokupheleleyo enokuBanjiswa yeMali mboleko yokuBambisa enokuKonga iMali
9. Funda malunga neenkqubo zokuthenga okokuqala ekhaya
Kukho uncedo oluninzi phaya kubathengi bokuqala bemakhaya abafuna uncedo lokuza nentlawulo ephantsi. Umbolekisi wakho wobambiso kufuneka ubenolwazi xa kuziwa kwiinkqubo onokuthi ulungele kuzo.
Umzekelo, i Inkqubo kaFannie Mae yasekhaya iyakukuvumela ukuba ubeke ezantsi njengepesenti ezi-3 kwaye i-inshurensi yakho yobambiso inokucinywa xa ulingano lwakho lwasekhaya lufikelela kuma-20 eepesenti. Kwiphepha le-flip, i-inshurensi yokubolekwa kwempahla ayinakucinywa kwimali mboleko ye-FHA ukuba ubeka ngaphantsi kweepesenti ezili-10 (nangona kunjalo, unokuphinda uhlawule ngemali mboleko engeyo-FHA). Ungajonga kunye ne- Iarhente yezemali yezindlu ukufumanisa ukuba uyilungele na inkqubo yoncedo.
10. Fika ngaphambi kokuthenga amakhaya
Ukulungiselela kwangaphambili kuya kukunceda uqonde ngcono ukuba yeyiphi amakhaya akuluhlu lwamaxabiso akho. Kananjalo uninzi lweearhente zokuthengiswa kwezindlu ziya kufuna ukuba ube neleta yesiqinisekiso esisesandleni phambi kokuba baqale ukukubonisa amakhaya. Ibonisa ukuba uzimisele ngokuthenga ikhaya.
Ukuba awunayo imali-mboleko, umenzeli wakho wokuthengisa izindlu nomhlaba angadlulisela. Buza malunga nababolekisi abanobuchule bokusebenza nabathengi abanjengawe, nokuba ungumthengi wokuqala okanye ukhe wakhonza emkhosini kwaye ufanelekile kwimali mboleko ye-VA.
Kukho umahluko omkhulu phakathi kokubakho ukulungela kwangaphambili kunye nokuvunywa kwangaphambili . Ukulungela kwangaphambili kwenzeka xa unika ingxelo ngokwakho malunga nomvuzo wakho kunye nenqaku letyala kunye nolondolozo kumbolekisi. Lonke olo lwazi luyaqinisekiswa ngexesha lenkqubo yokwamkelwa kwangaphambili, kulapho ababolekisi beqinisekisa umvuzo wakho kunye nenqaku lekhredithi kwaye bajonge ii-W-2 kunye neengxelo zebhanki.
ndihlala ndibona i-444
11. Uhlahlo lwabiwo-mali lokuvala iindleko
Ukugcinwa kwentlawulo ephantsi kunokuba phambili kwengqondo. Kodwa ungalibali ukwenza uhlahlo-lwabiwo mali lokuvala iindleko. Ngokomndilili, babiza malunga Iipesenti ezi-2 ukuya kwezi-5 zemboleko yakho , kwaye ubandakanye zonke iintlobo zeendleko ezinxulumene nokugcina imali yakho yobambiso, kubandakanya ukuvavanywa, ukuhlolwa kwekhaya, kunye nemirhumo yokuhlawulwa kwemali mboleko. Unokuziqengqa ezi ndleko zokuvala kwimali mboleko yakho, kodwa uya kube uhlawula inzala kuzo.
12. Gcina umlinganiselo wetyala lakho-kumvuzo ungaphantsi kweepesenti ezingama-36
Ukongeza ekugcineni ikhredithi yakho ikwimo yencam ephezulu kunye nokonga intlawulo ephantsi, ukuba nomlinganiselo ofanelekileyo wokufumana ityala kuya kukunceda ukhusele imali mboleko. Inombolo yomlingo uninzi lwababolekisi abayifunayo iwela ngaphantsi kweepesenti ezingama-36. Ityala elibandakanyiweyo kolu balo libandakanya intlawulo yakho yezindlu, kunye namatyala ngenyanga, njengeentlawulo zakho zekhadi letyala, iimali mboleko zemoto, iimali mboleko zabafundi, nayo nayiphi na imali-mboleko onokuba nayo.
13. Ungalibali ngerhafu yepropathi okanye i-inshurensi
Xa uhlahlo lwabiwo-mali lwekhaya, kufuneka ucinge ngaphaya kweendleko zobambiso. Amaxesha amaninzi, abathengi bokuqala bemakhaya bayalibala ukwenza into kwiirhafu zepropathi kunye neendleko zeinshurensi. Kwakhona, ezi ndleko zinokuthi zitshintshe. Xa ufumana isicatshulwa kwi-inshurensi yepropathi, buza ukuba zingaphi iirhafu eziye zenyuka kunyaka ophelileyo. Unokuphanda kwakhona ukuba ingakanani irhafu yepropathi eyonyuse ipropathi kule minyaka ngokujonga kwiZillow.
Funda ngokugqithisileyo: Iingcali zityhila iimpazamo ezili-10 ezinkulu zeXesha lokuQala abathengi beKhaya abazenzayo
