Ubulumko obuqhelekileyo kudala ukuba kufuneka ubuncinci iipesenti ezingama-20 zexabiso lokuthenga lasekhaya eligcinelwe ukuthenga. Kule mihla, awuyidingi ipesenti ezingama-20, kwaye kwezinye iimeko, unganakho ukutsiba ukwenza intlawulo ngokupheleleyo. Ngaphambili, iarhente yokuthengisa izindlu nomhlaba ichaza ukuba ungayigcina njani imali oyisebenzele nzima ebhankini xa uthenga. Nazi izizathu ezine ongazifuniyo ukugcina iipesenti ezingama-20 phantsi kwentlawulo.
Unokukhangela ikhaya usebenzisa iingcebiso zemali ezidlulileyo.
Uninzi lwethu lukhule lufunda malunga nobunini bemizi kunye nemali mboleko kubazali bethu, abathenga kakhulu kwaye bahlala kwikhaya elinye ubomi babo bonke. Ukuhlawulwa kweepesenti ezingama-20 yayiqhelekile kuninzi lwaba bantu, uyachaza u-Chelsea Wagner, usekela-mongameli wengingqi wokubolekisa ngemali Ezantsi.com . Inkqubo yokubolekwa kwemali kunye nabantu abafuna ukuthenga baye bavela kule minyaka idlulileyo. Zininzi iindlela zokungena ekhayeni ngaphandle kokubeka intlawulo eninzi.
Kukho iinkqubo ezahlukeneyo zemali mboleko onokukhetha kuzo.
Enye yezona zinto zimangalisayo malunga nentengiso yezindlu ngoku ziintlobo ngeentlobo zeemveliso zemalimboleko ezifumanekayo kubathengi abanokubakho, ngokwe UYawar Charlie , umlawuli wecandelo lamacandelo e Iqela lika-Aaron Kirman ngeCompass. Kukho iinkqubo zemali mboleko apho ungangena khona ngeepesenti ezi-3.5 ezantsi, utshilo, esalatha kwiminikelo efana nayo Ulawulo lwezezindlu kuRhulumente (FHA) kunye nemali mboleko ye-VA yamagqala. Nokuba awulilo igqala, okanye awukwazi ukusebenzisa inkqubo yemali mboleko ye-FHA, ababolekisi abaninzi baneemveliso zemboleko eziqhelekileyo ezifumana ukuba ungene endlwini ngepesenti ezi-5 okanye nge-10 yepesenti yokuhlawula, utshilo.
Abathengi bendlu yokuqala banokulungela izibonelelo kunye noncedo lwezezimali.
Ukuba ungumthengi wexesha lokuqala, unokufumana inkqubo yokuncedisa enokuthi inciphise imali oyifunayo ukuze uhlawule - okanye uyiphelise ngokupheleleyo. Kwezinye iimeko, [intlawulo ehlawulelwayo] inokubonelelwa ngumbolekisi, ucacisa uLauren Anastasio, umcwangcisi wezemali oqinisekisiweyo kunye I-SoFi . Ukufumana umbono ongcono wento enokuthi ifumaneke kuwe, qala ngokuthetha nearhente yendawo okanye umthengisi wezezindlu. Inokukwazi ukukunika ulwazi oluthe kratya kwiinkqubo ezisebenzayo kwindawo yakho.
Ezi ntlobo zeenkqubo zinokuvumela izinto ezinje ngentlawulo okanye ukuvala uncedo lweendleko, nazo, ezinokuza ngendlela yemali mboleko enokuxolelwa, isibonelelo, okanye ukunciphisa iimfuno zokuhlawula. Zonke iinkqubo zikhangeleka zahlukile kwaye zineemfuno ezahlukileyo zokufaneleka, ke qiniseka ukuphanda nganye nganye, utshilo u-Anastasio.
Ekugqibeleni ungayeka ukuhlawulela i-PMI xa sele uphinde wahlawula.
Impazamo enye yokubeka ngaphantsi kweepesenti ezingama-20 phantsi kwendlu ifuna ukuhlawulela i-inshurensi yobambiso yabucala (PMI) ngaphezulu kwentlawulo yakho yobambiso yenyanga. Kodwa le yinto onokuyiphelisa xa sele ukwazile ukwanda ngokulingana okwaneleyo kwipropathi yakho. Unokuphinda uhlaziye xa une-20 yepesenti yokulingana endlwini yakho kwaye emva koko uphelise i-inshurensi yenyanga yobambiso, ucacisa uJude Herr, umthengisi kunye nomnini we Ingingqi yeBoulder .
lithetha ntoni inani leengelosi ezingama-444
