Njengokufudukela kwikhaya elitsha, ukufunda ngazo zonke iindlela ezahlukeneyo zokubolekwa kwemali kungakushiya kuninzi onokukhupha. URobert Kirkland , usekela-mongameli woluntu olwahlula-hlulayo kunye nomphathi wezezimali ofikelelekayo Chase ukuBoleka ekhaya uthi ukuthatha isigqibo sokuba yeyiphi inkqubo yemali-mboleko ekulungeleyo kuhlala ikukukhetha okona kulungileyo.
Ithetha ntoni i-222?
Ayizizo zonke iimveliso zobambiso ezenziwe ngokulinganayo. Abanye banezikhokelo ezingqongqo kunabanye, uyacacisa. Abanye ababolekisi banokufuna iipesenti ezingama-20 zokuhlawula, ngelixa abanye befuna nje iipesenti ezintathu zexabiso lokuthenga ekhaya.
Ukuthatha isigqibo sokuba yeyiphi inkqubo ekulungeleyo kuya kuxhomekeka kwizinto ezinje ngengeniso yakho, imbali yamatyala kunye namanqaku, ingqesho, iinjongo zezemali, kwaye kunjalo, unikwa ngumbolekisi wakho. Nazi iintlobo ezimbalwa zeemveliso zobambiso kunye nento ekufuneka uyazi ngayo.
FHA Ubolekiso
Imali mboleko ye-FHA yimali mboleko exhaswa ngurhulumente eqinisekiswe nguLawulo lweZindlu ze-Federal, ucacisa uKirkland. Le nkqubo yemali mboleko ithandwa ngabantu abaninzi abasaqala ukuthenga izindlu, utshilo, esongeza ukuba imali mboleko yasekhaya ye-FHA ifuna amanqaku asezantsi asezantsi kwaye, kwezinye iimeko, intlawulo ezantsi , kunye nomndilili wentlawulo ephantsi ejikeleza kwenye indawo ejikeleze iipesenti ezi-3.5. Le nkqubo yenzelwe ukunceda abantu abanokuthi bangakulungeli ukuba babambise ngendabuko.
USDA Ubambiso
Imboleko ye-USDA, exhaswa liSebe lezoLimo laseMelika njengenxalenye yenkqubo yeMali mboleko yeZindlu yoPhuhliso lwasemaPhandleni, inokuba yinto entle yokuthenga amakhaya kuluntu lwasemaphandleni, ngokwe Amagumbi kaGwen , umvelaphi wemali mboleko yobambiso kunye IMotto yoBambiso oluPhezulu eGermantown, eTennessee. Ezi nkqubo zinokunikezela ngemali efikelela kwiipesenti ezili-100, ngesakhono sokufumana iindleko zokuvala ezihlawulwe ngumthengisi ukuya kuthi ga kwiipesenti ezintandathu zexabiso lokuthenga.
Iirhafu kwiimali-mboleko ze-USDA zihlala zikhuphisana kakhulu kwaye umrhumo uphantsi, Chambers ucacisa. Kwindawo endihlala kuyo, abathengi bahlala befumana imali-mboleko ye-USDA ukuba ibe yimali mboleko yabo yokuzikhethela.
Asinguye wonke umntu olungeleyo ukubambisa ngempahla nge-USDA, nangona-kukho inani labemi kunye neemfuno zomvuzo eziphakathi ezinokuthi zihlangane kuphela ziindawo ezithile. Unokumisela ukuba uyafaneleka na Apha .
Ubambiso oluqhelekileyo
Imboleko mboleko yesiqhelo luhlobo lwemali mboleko yokubolekwa kwemali engaqinisekiswanga okanye eqinisekiswe ngurhulumente, kodwa endaweni yoko ixhaswa ngababolekisi babucala. Ngamanye amagama, luhlobo onokufaka isicelo ngalo kwibhanki yakho.
Imali mboleko yesiqhelo inokuphinda yehliswe ibe 'kukuhambelana' okanye 'ukungathobeli,' ngokukaScott Bergmann Ngokwenene IQela elinye liSterling . Imali mboleko engqinelanayo ilandela imigaqo-mboleko ebekwe nguFannie Mae noFreddie Mac. Oku kuthetha ukuba isebenza ngemigangatho ebekwe ngurhulumente . Kukho izikhokelo ezilawula ukuba lingakanani inani lemali mboleko yakho, kodwa vumela ababolekisi igumbi lokujikeleza ngakumbi xa kufikwa kumanqaku emboleko.
Imali mboleko engahambelaniyo, kwelinye icala, ayilandeli imigaqo ebekwe nguFannie Mae noFreddie Mac. UBergmann uthi oku kubenza babe luncedo ngakumbi kubathengi basekhaya ababenepropathi ngaphambili kodwa abanakho ukuhlangabezana nezikhokelo ezibekwe nguFreddie Mac okanye uFannie Mae. Ezi mboleko zinokuvumela ababoleki ukuba bathathe imali mboleko enkulu (ephezulu kakhulu kune- $ 548,250 cap ebekelwe uninzi lwamazwe ngo-2021), kodwa amaxabiso enzala ahlala ephezulu. Kungenxa yokuba iimali mboleko ezingahambelaniyo zihlala zinomngcipheko omncinci ngakumbi kubabolekisi.
VA Ubambiso
Imboleko mali ye-VA lukhetho lokuhlawula imali mboleko ephantsi engafumaneki kumagqala, amalungu enkonzo, kwaye ukhethe amaqabane omkhosi, uyacacisa uKirkland. Imali mboleko ye-VA ikhutshwa ngababolekisi babucala, njengenkampani ebambisa ngempahla okanye ibhanki, kwaye iqinisekiswe liSebe laseMelika leMicimbi yeVeterans (VA).
Ukuba usebenze emkhosini kwaye ujonge ukuthenga ikhaya, uBergmann uthi kuya kufuneka ubone ukuba uMalume uSam angenza ntoni ukukunceda. Inzala yenzala ihlala ithelekiswa kakhulu nemali mboleko ye-FHA ehlala iphantsi, utshilo.
