Ukuthenga indlu kuxinzeleleka ngokwaneleyo, kodwa xa usongeza kwiilwimi ezingaqhelekanga kunye neendunduma zamaphepha ahamba nenkqubo yokuvunywa kwempahla, yonke loo nto inokusuka yoyike iye ekubeni yoyike ngokungagungqiyo. Kodwa njengezona zinto zibalulekileyo ebomini ezibandakanya ukungena kumhlaba ongafakwanga, ukulungiswa okuncinci kuhamba ixesha elide ekuncedeni ukuthintela ukuziva okumhlophe.
Sithethile neengcali zemboleko kunye nezezezimali ukuba sizikhathaze ngemibuzo esibhozo umntu ngamnye othengayo ayibuze kumbolekisi wakhe. Nokuba ungumthengi wexesha lokuqala okanye sele uyayazi i-drill, le yimibuzo ekufuneka ubenayo ukuze ukwazi ukugcina isantya esikhawulezayo semali-mboleko yemali-mboleko-kwaye ugcine upholile.
1. Ngawaphi amaxabiso wenzala onokundinika wona?
Amaxabiso enzala abhekisa kwisixa semali oya kuthi wongeze kwibhanki ebolekayo ukuze usebenze ngobambiso lwakho. Eli nani linokuchaphazeleka nakuwe amanqaku etyala . Ngokusisiseko, ngcono amanqaku akho etyala, inzala esezantsi oya kuyinikwa kuba ibhanki ivakalelwa kukuba bayakuthemba ukuba uyihlawule imali-mboleko ngokufanelekileyo. Azinakuthethathethana, utshilo u-Ava Sanel, umsunguli wemali mboleko mboleko kwi Vimba oovimba bezezimali . Bakunika elona zinga liphezulu banalo kuba bezama ukufumana ishishini lakho.
2. Ngaba amaxabiso anawo nawaphi na amanqaku?
Amanqaku alingana nemali onokuyihlawula kumbolekisi wakho ngaphambili ngeepesenti yamanqaku obambiso lwakho. Ngokusisiseko, ungazihlawulela ezi xa uvala ukugcina imali kwinzala ekuhambeni kwexesha. Oku kukwabhekiswa njengokuthenga ezantsi inqanaba. Umzekelo, kwi Ibhanki yaseMelika ungahlawula i-2, 000 yeedola ngenqaku elinye kwireyithi yobambiso lwakho, ukugcinele phantse i-11, 000 yeedola kwikota yemali mboleko.
3. Ngaba ungumthengisi wezezindlu, ngaba ligosa lemali mboleko, okanye akukho nanye kwezi zingasentla?
Ngaphambi kokungena kwi-nitty-gritty, qiniseka ukuba uyazi ukuba ujongana nabani-kunokwenzeka ukuba ligosa lemali mboleko okanye umthengisi wezezindlu. Igosa lemali mboleko liqeshwe ngumbolekisi othe ngqo (iziko lezemali-cinga iibhanki, iibhanki zobambiso, kunye nemibutho yabasebenzi ngetyala-leyo ixhasa imali mboleko) kwaye ngenxa yoko iya kukubonisa kuphela iimveliso zemboleko ezinikezelwa ngumqeshi wazo. Umrhwebi obambisayo, kwelinye icala, akabophelelwanga kuye nawuphi na umboleki-mali kwaye ke uyakwazi ukuthengisa ukuze akubonise amaxabiso aphezulu kwimithombo ebolekisayo emininzi. Okwangoku, akunikwanga ukuba umthengisi uya kuba nakho ukukufumanela inzala engcono kunegosa lemali mboleko, kwaye abathengisi ngamanye amaxesha banokubiza imali ephezulu, ke zama ukufumana iikowuti kuzo zombini.
4. Wahluke njani kwabanye abafana?
Xa uneengcali ezininzi zemboleko-mali ezifuna ishishini lakho ngesithembiso samaxabiso asezantsi kunye nemirhumo, jonga kufutshane abacebisi ngokwabo. Uphando oluncinci lubaluleke kakhulu, utshilo uJim Russo, igosa eliphezulu lemali mboleko Imali mboleko yaseMelika yaseMelika . Ucebisa eqinisekisa ukuba abanokuba ngabacebisi banelayisensi efanelekileyo; oku kunokwenziwa nge- INkqubo eLayisenisa yamaLungelo aMazwe ngaMazwe lonke (i-NMLS) yokuFikelela kwabaThengi (amagosa emali mboleko) kunye Umbutho weSizwe wabarhwebi ababambisa ngempahla (NAMB) (abathengisi bemali mboleko). Ukufunda uphononongo olukwi-Intanethi, ujonge iBusiness Business Bureau, kwaye ucele igalelo ngaphakathi kwenethiwekhi yakho inokukunceda ukuba ungene kwezona mali zibambekayo zobambiso kwiimfuno zakho ezithile. Ekupheleni kosuku, nangona kunjalo, kuya kufuneka uzive kamnandi malunga nomntu omkhethileyo: Kuya kufuneka ufumane igosa lemali mboleko onxibelelana nalo kwishishini kwaye amaxesha amaninzi, inqanaba lomntu, uxinzelelo UJP Hussey , Ukuvelisa umphathi wesebe kwi-GMH Mortgage.
5. Yintoni onokundenzela yona?
Ewe, umbolekisi wakho sele eza kwenza ifolokhwe ngaphezulu kwesixa semali esikhulu-ukuze ube nokuhlala indlu yamaphupha akho-kodwa iinjongo zabo azikho ncam. Ababolekisi babambiso bazama ukuzuza inzuzo ecocekileyo kwimali mboleko yakho ngohlobo lwe isivuno ukusasazeka kwepremiyamu (YSP), iindleko zokuvala, amanqaku esaphulelo, kunye nezinye iindleko ezihlawulwe ngumboleki. Abarhwebi ababambise ngempahla kunye namagosa emali mboleko bafumana ipayi, nayo, ngesiqhelo ngentlawulo yemvelaphi yemali mboleko kunye neebhonasi zemivuzo ngokwahlukeneyo. Yenza umrhwebi wakho okanye igosa lemali mboleko lisebenze kwishishini lakho, ngakumbi ukuba amanqaku akho etyala, isixa sentlawulo eshiyekileyo, kunye nezinye izinto zibonisa ukuba ungoyena ufunwayo kwimali mboleko. Nje ukuba ufumane uluhlu oluchongiweyo lwemirhumo yombolekisi ngamnye (eyaziwa ngcono njenge uqikelelo lokholo olulungileyo , okanye i-GFE) kwaye unciphise uluhlu lwakho kubabolekisi ababini okanye abathathu, musa ukoyika ukusebenzisa i-GFE evela kumbolekisi A ukuze ufumane isivumelwano esingcono kumbolekisi B, njalo njalo.
6. Iya kuthatha ixesha elingakanani le nkqubo?
Nokuba uvunyiwe kwangaphambili kwaye unombonelelo owamkelekileyo, ukufumana inkqubo yokubambisa ngempahla kungongeza ixesha kwikhalenda. Ngoku ka Realtor.com , yonke le nkqubo ithatha malunga neentsuku ezingama-30. Phakathi kokuvunywa kwangaphambili, ukufumana itsheki, ukufumana ixabiso ekhaya, kunye nephepha eliya kuthi lifune ukufayilwa, kungathatha ixesha.
7. Ndingayitshixa ireyithi yam?
Ngokutshixa inzala yemali-mboleko yakho, umbolekisi wakho uqinisekisa ukuba umyinge owanikwa xa usamkelwa usaya kufumaneka xa uvala ikhaya, ukukhusela ekunyukeni kwereyithi. Qiniseka ukuba ubuza umbolekisi ukuba isitshixo siza kuhlala ixesha elingakanani (ngesiqhelo phakathi kweentsuku ezili-10 ukuya kwezingama-60) kwaye ukuba kukho naziphi na iindleko ezichaphazelekayo. Ngokubhekisele nini, ngokuchanekileyo, ukutshixa inqanaba lakho, umbolekisi wakho usenokungabi nayo impendulo. Kungenxa yokuba inzala yemali-mboleko yaziwa ngokutshintsha mihla le. Umkhwa wangoku, nangona kunjalo, yile amazinga ayenyuka kunye noovimba bemanyano kwaziswa ukuba kuyakubakho ezinye iirhafu ezimbini zokunyusa ukuphela kuka-2018, ke unokufuna ukutshixa kwakamsinya kunakwelo xesha. Iindaba ezimnandi? Amaxabiso asekhona kumanqanaba asezantsi ngokwembali ukuba ujonga amaxabiso aphakathi kule minyaka ingama-20 nangaphezulu idlulileyo, utshilo uRusso.
8. Ngaba ndikulungele ukufumana nayiphi na imali mboleko karhulumente?
Ngelixa urhulumente ebonelela ngeemali-mboleko ze-FHA kwabo banemivuzo ephantsi, kukho ezinye iimali mboleko ezixhaswe ngurhulumente ezifumanekayo kwabo bafuna ukuthenga indlu enezinye izinto ezibandakanyiweyo. Umzekelo, iSebe leMicimbi yeVeterans linikezela ngeqondo elingcono okanye ukhetho lokuxhasa kwakhona. ISebe lezoLimo likwabonelela ngeentengiselwano ezifanayo kwabo bafudukela ezilalini ukunceda ukukhuthaza uqoqosho apho, olubizwa ngokuba yi-USDA mboleko. Kuxhomekeka kwindawo ohamba kuyo, kunokubakho urhulumente okanye imali-mboleko exhaswa ngingqi onokuthi uvumeleke kuyo.
