Xa mna nomyeni wam sagqiba kwelokuba sisuke eDenver siye eIndianapolis siyokuthenga indlu, sasisazi ukuba le nkqubo iyakuba yintobeko. Ekuphela kwezinto esasizazi malunga nenkqubo yokuthenga amakhaya zivela ekubukeni i-HGTV okanye ukuthetha nabahlobo kunye nosapho ababekwenzile ngaphambili. Sithathe isigqibo sokutsiba kuyo ngengqondo evulekileyo kunye nendlela elumkileyo.
Isigqibo sokuqala esasijongane naso kukuthatha isigqibo sokuba loluphi uhlobo lobambiso olusilungeleyo: Ulawulo lweZindlu zeFederal (FHA) okanye oluqhelekileyo. Sasinombono ngokubanzi wento eyenza ukuba ezi mali mboleko zahluke, kodwa kwathatha ukumba okunzulu ukufumana ukuba loluphi ukhetho olulungele iimfuno zethu ngoku kunye nexesha lemali mboleko yethu. Nantsi indlela esenze ngayo isigqibo:
Yintoni umboleko we-FHA?
Kuqala, masibeke umahluko phakathi kwezi ntlobo zimbini zemboleko: Imboleko ye-FHA yimali mboleko exhaswa ngurhulumente womanyano kwaye ihlawulwe ngumbolekisi weqela lesithathu. Ngokusisiseko, oku kuthetha ukuba urhulumente uza kumhlawula umbolekisi ukuba ugqibela ungabinakho ukuhlawula-kodwa uyakujongana nokuhluthwa xa usilela kwimali mboleko yakho. Ngenxa yale nkxaso, ababolekisi banobuntu ngakumbi malunga nokuboleka imali, okuthetha ukuba baya kwamkela amanqaku aphantsi etyala (Iimali ze-FHA zinamanqaku asezantsi angama-500, ngelixa iimali mboleko eziqhelekileyo zihlala zifuna amanqaku kwi-600s) kunye nentlawulo ezantsi ( Umgangatho yi-3.5 pesenti).
Imalimboleko ye-FHA ikwasoloko ifuna ipremiyamu ye-inshurensi yobambiso (MIP), eyimali ehlawulwe kwimali-mboleko yakho oyihlawulayo ngalo lonke ixesha lemali mboleko. I-MIP yakho iyahluka phakathi kwe-0.45 kunye ne-1.05 yeepesenti yexabiso lakho lobambiso- kuxhomekeke ekubeni uboleke malini, umyinge wemali-mboleko-ukuya kwixabiso, kunye nexesha lakho lemali mboleko. Zimbini kuphela iindlela zokulahla i-MIP: Eyokuqala ekugqibeleni iphinda ibuyise imali mboleko kwimali mboleko eqhelekileyo. Okwesibini kubeka iipesenti ezili-10 ezantsi ekuqaleni, ekuvumela ukuba udibanise i-MIP emva kweminyaka eli-11 yokuhlawula. Uya kuhlawula intlawulo ye-inshurensi yexesha elinye ye-1.75 yepesenti yemali mboleko xa kuvalwa. Ngenxa yazo zonke ezi ntlawulo zongeziweyo ngaphezulu kwexabiso lemali mboleko, iimali mboleko ze-FHA zinokuphela zibiza kakhulu kunemali mboleko yesiqhelo- nangona kwezinye iimeko, iimali mboleko ze-FHA zinamazinga asezantsi kunemali mboleko yesiqhelo. Ngokubanzi, iimali mboleko ze-FHA zihlala zinemithwalo engaphezulu eqhotyoshelwe kubo-nangona zilula ukungena kwasekuqaleni.
Yintoni imali-mboleko yesiqhelo?
Kodwa zithini iimali mboleko eziqhelekileyo, nangayiphi na indlela? Ikwabizwa ngokuba yimali mboleko ehambelanayo, ezi yimali mboleko ezixhaswayo ngurhulumente. Ngenxa yoku, ababolekisi bazama ukunciphisa umngcipheko womboleki osilelayo kangangoko kunokwenzeka-into oza kuyihlawula. Oko kuthetha ukuba iimali mboleko eziqhelekileyo zihlala zinamazinga aphezulu enzala kunye neemfuno ezingqongqo zokuvunywa kuneemali-mboleko ze-FHA. Nangona abanye ababolekisi beza kwamkela nje ngeepesenti ezintathu ezantsi-nantoni na engaphantsi kweepesenti ezingama-20 iyakufuna ukuba uhlawule i-inshurensi yabucala yemali mboleko (PMI). Le ntlawulo yenyanga iyafuneka de ufike kuma-78 eepesenti kwimpahla ekhayeni lakho, kodwa ngesiqhelo ayiwi ntlawulo yakho yenyanga de ube ubetha iipesenti ezingama-80.
Indlela esikhethe ngayo
Eyona nto siyikhathaleleyo ekukhetheni phakathi kwemali ebambekayo ibikukuba besingafuni ukuchitha imali engaphezulu kunaleyo sasiyifuna ngenyanga-nokuba umahluko wawumncinci. Imirhumo emincinci kunye neendleko ziyadityaniswa ngokuhamba kwexesha, kwaye ngazo zonke iindleko ezintsha esasijongene nazo-ulungiso, ifanitshala, ukupeyinta, njl-njl.
Iyintoni intsingiselo ye1212
Ngokomthengisi wobambiso lwethu, siza kugcina sihlawule i-30 yeedola ngenyanga ngaphezulu ngemali mboleko ye-FHA ngokuthelekiswa nemali mboleko eqhelekileyo. Umrhwebi wethu uqikelele ukuba singabhatala i $ 10,000 kwimirhumo encinci kunye neenkcitho kubude bemali mboleko.
Ukuba sihambe nemali mboleko ye-FHA, kuya kufuneka siphelise kwakhona ukuyeka i-MIP. Okwangoku, amaxabiso asezantsi kwaye anyuka kuphela, ke bekubonakala ngathi ukuba siphinde saxhaswa sisenokungakwazi ukufumana amaxabiso asezantsi ngoku.
Yonke ingcali yemali-mboleko endithethe nayo yathi kufuneka sihambe nezinto eziqhelekileyo ukuba singavunywa kwaye sikwazi ukuyifumana-kwaye sinakho, senze njalo.
Kutheni unokukhetha imali mboleko ye-FHA
Nangona kunjalo, kubanini bamakhaya abangenayo imali ngaphambili okanye amanqaku amakhulu ekhredithi, iimali mboleko ze-FHA lukhetho olufanelekileyo kuba bayayamkela eyona ntlawulo iphantsi inokubakho. Kwikhaya lama- $ 200,000, ubuncinci bemali mboleko ye-FHA phantsi kwentlawulo yeepesenti ezingama-3.5 iya kuba ngama-7,000 eedola. Kwimali mboleko eqhelekileyo eneepesenti ezintlanu ezantsi, iya kuba yi- $ 10,000. Ukwahluka kwe- $ 3,000 yemali ngaphambili kunokuba sisaphulelo xa ushiya urhulumente, uthenga ifenitshala entsha, okanye ucwangcisa ukulungiswa kwekhaya.
I-1010 intsingiselo kuthando
Kwaye ukuba uhlala kwisixeko esineendleko eziphezulu zokuhlala apho ukuthengiswa kwezindlu kunye nomhlaba kuhamba ngokukhawuleza, unokuthatha isigqibo sokuba kungcono uthenge ngoku ngemali mboleko ye-FHA endaweni yokulinda de ube ugcinelwe imali mboleko yesiqhelo.
Kodwa esi sigqibo akufuneki sibe sesakho wedwa-kuya kufuneka ujonge nengcali yezobambiso (njengegosa lemali mboleko okanye umthengisi wempahla obambisayo) ukuqinisekisa ukuba imali mboleko oyenzileyo ilingana neenjongo zakho zexesha elifutshane kunye nexesha elide.
