Ngaphandle kokuba unomama wentsomi okanye isiqingatha sesigidi esipholileyo uhleli, uya kudinga ubambiso ukuba ufuna ukuthenga ikhaya. Nantsi indlela yokufanelekela kwaye ukhethe ubambiso, kunye nento onokuyilindela kuyo yonke le nkqubo.
Qalisa kwangethuba
Masijongane nayo: Ungaya kwizindlu ezininzi ezivulekileyo njengoko ufuna, kodwa awuyi kuba nakho ukuthenga enye ngaphandle kokubambisa. Ke yenza ibhola eqengqelekayo kwangethuba kwaye ufumane ukuvunywa kwangaphambili ngaphambi kokuba uqale nokuzingela endlwini.
Ingcebiso yam iya kuba kukufumana ukuvunywa kwangaphambili ngaphambi kokukhangela ikhaya lakho lamaphupha, utshilo uNick Beser, umlawuli wezezindlu kunye nophuhliso loluntu kwinto engenzi nzuzo Isikhokelo sezezimali seSikhokelo . Akusoze kwalunga ukuthandana nepropathi kuphela ukufumanisa ukuba awungekhe uyifanelekele ngexabiso elithile. UBheser uthi inkqubo yokuvunywa kwangaphambili akufuneki ukuba ithathe ngaphezulu kosuku okanye ezimbini ezinamagcisa abolekisayo. Ukwamkelwa kwangaphambili kusebenza ngokusemthethweni kwiintsuku ezingama-90, apho unokuphinda inkqubo xa kukho imfuneko.
(Qaphela ukuba unokufumana ukufanelekiswa ngumbolekisi. Olu ke luqikelelo olungenanto onokulufikelela ngokusekelwe kulwazi lwezezimali olunikezelayo kunye nokutshekishwa kwekhredithi ethambileyo. ngenisa amaxwebhu emali yakho, kodwa ngenxa yeso sizathu, ayinantsingiselo, kwaye oko akuthethi ukuba uvunyelwe ukuxhasa ngezimali. Yindlela elungileyo yokuqikelela ukuba ungakanani umgangatho wobambiso onokulungela ukulufumana.)
Sele ulungele?
Kodwa ngaphambi kokuba ufake isicelo sobambiso, qiniseka ukuba ufumene isenzo sakho semali kunye: Ufuna ukubeka olona nyawo lwakho phambili ukuze ufanelekele awona manqanaba aphezulu- okanye konke konke.
Nika ingqalelo kwindlela olawula ngayo ityala lakho, utsho uTom Gleason, owayesakuba ngumlawuli olawulayo we Izindlu zoLuntu , Igunya elingenzi nzuzo lezemali kwizindlu zaseMassachusetts. Ukuba ulahlekisa kwikhredithi yevenkile okanye kwimali mboleko yomfundi okanye ngetyala lemoto, kuya kufuneka uyikhathalele loo micimbi. Ngaphandle koko, uthi, uya kulahlwa.
Kuya kufuneka ufike kwinqanaba apho ubungenayo ingeniso engaguquguqukiyo iminyaka emithathu ilandelelana, utshilo uMarie Presti, umnini / umrhwebi Iqela le-Presti e Newton, Mass. Iibhanki zikwafuna ukubona ezinye imali ezigcinwayo xa ufaka isicelo semali-mboleko. Ababolekisi bayathanda ukwazi ukuba awunayo imali yokubhatala nje kuphela, kodwa unemali eyoneleyo yokuhlawula imali mboleko xa unokuphulukana nomsebenzi emva kokuba uthenge indlu. Bayathanda ukubona iinyanga ezintathu ukuya kwezintandathu zeendleko. Akunyanzelekanga ukuba ibe sisixa esikhulu semali kwiakhawunti yakho yokonga- inokubandakanya iibhalansi kwiiakhawunti zomhlala-phantsi onethemba lokuba awuzukuyichukumisa, njenge-401 (k) okanye i-IRA.
Okwangoku, uyakufanelekela amaxabiso obambiso angcono ukuba ikhredithi yakho intle kwaye awuthwali toni yetyala. Ukuze ufumane elona zinga liphantsi, amanqaku emboleko kufuneka abe kwi-700s, kwaye umboleki-mali-mboleko yomvuzo kufuneka abe malunga ne-36%, utshilo uBester. Oko kuthetha ukuba uxanduva lwakho lwenyanga lwetyala-kubandakanya intlawulo yemali mboleko yomfundi, iimali mboleko zemoto, ubuncinci bekhadi letyala, kunye nemali mboleko ozama ukuyifumana- akufuneki idlule kwi-36% yengeniso yakho yangaphambi kwerhafu yenyanga.
Nangona kunjalo, ababolekisi abaninzi banemali mboleko mboleko eya kuvumela amanqaku ukuya ezantsi kuma-600s, uBeser wongeza, kwaye uFannie Mae noFreddie Mac basandula ukwenza utshintsho ukuvumela umlinganiselo wetyala ukuya kuthi ga kwiipesenti ezingama-50.
Ngokubanzi, okukhona umbi amanqaku akho etyala, kokukhona inyusa izinga lenzala, u-Beser uthi-kwaye izinga lenzala liphezulu, kokukhona inyusa intlawulo yobambiso. Oku kubalulekile, kuba ubungakanani bentlawulo yakho yenyanga bunokunciphisa ubungakanani bekhaya okwaziyo ukuthenga. Inokukunceda ukugqiba ekuhlaleni apho usapho lwakho lunakho ukuhlala, utshilo.
Ukuba ufuna i-jolt ekhawulezayo yamanqaku okuthenga ngetyala, ukuhlawula iibhalansi zekhadi letyala Enye yezona zinto zikhawulezayo zokunyusa ityala ngeenxa zonke. Kungenxa yokuba phantse isithathu senqaku lakho lekhredithi limiselwe kukusetyenziswa kwekhredithi, okanye ungakanani umda wakho wekhredithi okhoyo owusebenzisileyo. Ukuhlawula ezilinganisweni kunokufumana umlinganiso wetyala-lakho-kumvuzo ukuya kwinqanaba elamkelekileyo.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Nasozi Kakembo)
Fumana uMbolekisi (kwaye ujonge iiNkqubo zeNkqubo yokuThengwa kweKhaya lokuQala)
Zininzi iintlobo zababolekisi bemali mboleko phaya, ukusuka kwibhanki yakho yobumelwane okanye kwimanyano yamatyala kwiibhanki ezikwi-Intanethi kubabolekisi abangabolekanga. Ngelixa ibhanki yakho inokubonelela ngemali mboleko, qiniseka ukuba uthelekisa amaxabiso kunye nemigaqo nakwabanye ababolekisi, kuba iibhanki zabathengi zinokungabi nokhuphiswano- ngakumbi abathengi bexesha lokuqala. Ngokukodwa, jonga iinkqubo zokuqala zabathengi ekhaya ezixhaswe ngurhulumente wakho igunya lezemali okanye abo kwimibutho yamatyala yasekuhlaleni.
Sisebenzise inkqubo yokuqala yabathengi ekhaya enikezelwa ngumbutho wabathengi endinokufikelela kuwo emsebenzini, utshilo uSarah Korval, owathenga indlu yedolophu nomyeni wakhe uScott eBoston ngo-2016. kunye nenketho yezemali ngokusebenzisa igosa lemali mboleko. Ekugqibeleni, imibutho yabasebenzi yamatyala yonke inikezela ngeenkqubo ezomeleleyo ngenene ngamaxabiso aphezulu, ke saya kunye nezo.
lithetha ntoni u-2: 22
Ngomthengi wokuqala wekhaya, kunokuba ngumzabalazo ukuza ne-20% yokuhlawula phantsi: Awunayo indlu ekhoyo ukuba ungenise imali, kwaye mhlawumbi uxakeke kakhulu ulwa nemali mboleko yomfundi okanye uhlawula Iirente eziphakamileyo ukugcina iidola ezingama-40,000 okanye nangaphezulu ngemali. Nangona kunjalo, unokusebenzisa inani leenkqubo zemboleko ezenzelwe abantu abakwimeko okuyo.
Iimveliso zobambiso ezibandakanya intlawulo ezantsi ezantsi njenge-3% ngoku zinikezelwa ukunceda uluntu olunengeniso esezantsi kunye nephakathi kunye nabantu abadala abancinci ukuba babe ngabanini bamakhaya, utshilo u-Beser. Iinkqubo zemalimboleko e-Federal ezinje nge-FHA, VA, kunye neFannie Mae yeHomeready Mortgage yenza kube lula ukutshixa kwindlu mboleko ngaphandle kwentlawulo enkulu. Ewe imali mboleko exhaswa yi Ulawulo lweZindlu kuRhulumente (FHA) zivulelekile kubathengi nge amanqaku ekhredithi asezantsi njenge-580 , ngelixa VA mboleko vumela amalungu omkhosi osebenzayo kunye namagqala ukuba axhase indlu ngaphandle kwentlawulo kwaphela.
UBheser uthi ukujonga ababolekisi kwindawo yakho ababonelela ngezi nkqubo okanye iinkqubo zabo zokuqala zabathengi. Buza kwakhona malunga neenkqubo zenkuthazo zikarhulumente nezasekhaya ezinokunciphisa intlawulo yakho okanye inqanaba lenzala, uyongeza. Eminye imimandla okanye izixeko zibonelela abahlali nangakumbi ngesisa sexesha lokuqala lomthengi, ezinje ngoncedo lokuhlawula ezantsi, ukuba nje bahlala endlwini inani elithile leminyaka.
Ukuze ufanelekele ezi nkqubo, kuya kufuneka ngokubanzi ugcwalise iklasi yokuqala yabathengi ekhaya kumbutho ongenzi nzuzo oqinisekiswe yi-HUD, nokuba kungomntu okanye kwi-Intanethi. Ukuphuma kuqoqosho lwamva nje, ababoneleli bemali mboleko bayaqonda ukuba ukubonelela ngentlawulo esezantsi kubandakanya umngcipheko; Nangona kunjalo, bayayibona imfundo yobuninimzi njengesithintelo esinamandla sokungagqibeki, utshilo uBeser.
Kuyinyani: Ababoleki abathatha iklasi yokuthenga amakhaya kunqabile ukuba bajongane nokuxothwa kamva. Eyona nto intle umthengi anokuzenzela yona kukuba afunde ngcono, utshilo uGleason. Kwaye ukuhamba kwezi klasi, sibonile ngokuhamba kwexesha, kwenza umahluko omkhulu, omkhulu.
Ukuvunwa kwamaphepha
Nje ukuba ukulungele ukufaka isicelo semali mboleko (kubandakanya ukuvunywa kwangaphambili), kuyakufuneka uqokelele inani elingenaThixo lamaxwebhu ezemali. Kuxhomekeke kubuchule bakho bombutho (okanye ukunqongophala kwayo), le isenokuba lelona candelo linzima lenkqubo yokuthenga ekhaya. Ukongeza ekugcwaliseni isicelo semali-mboleko, kuya kufuneka ufumane kwaye ubonelele:
- Iifom zakho zokugqibela zerhafu kunye neefom ze-W-2
- Ukuhlawulwa kwamva nje (okanye obunye ubungqina bengeniso)
- Ibhalansi kunye neentlawulo zanyanga zonke ezityalwa kwimali mboleko yomfundi, iimali mboleko zemoto kunye namanye amatyala
- Ibhalansi yekhadi letyala kunye neentlawulo ezincinci
- Iingxelo zeakhawunti yebhanki yangoku (ukukhangela kunye nokonga)
- Iibhalansi zeakhawunti yotyalo-mali (401k, IRA, njl.
- Ukurhoxiswa kweerhafu (ubungqina bentlawulo yangoku yerenti)
Ireyithi eQinisekisiweyo ngokuchasene neRhafu yokuBanjiswa kweMortgage (ARM)
Uninzi lwemali mboleko yokuthenga ekhaya okokuqala ibandakanya umgangatho, iminyaka engama-30, umyinge wemali mboleko ebekiweyo. Kulapho uvalela khona inzala ethile kwiminyaka engama-30- lolona hlobo lomngcipheko uphantsi kuba intlawulo yakho yenyanga ayizukutshintsha. Nangona kunjalo, ayisiyiyo kuphela imveliso yemali mboleko ngaphandle-kude kuyo.
Ixabiso lokuhlengahlengiswa kwemali mboleko, kwelinye icala, yile nto ivakala ngathi-inqanaba lenzala linokutshintsha. Uza kubona ezi zipapashiweyo njenge-5/1 okanye i-7/1 ARM- oko kuthetha ukuba inqanaba limiselwe iminyaka emihlanu (okanye esixhenxe), kwaye emva koko inokutshintsha isekwe kwimeko zentengiso kube kanye ngonyaka emva.
I-ARM inobungozi obuncinci, kodwa inenzuzo-oko kukuthi, ireyithi yokuqala iya kuba sezantsi kunexabiso elibekiweyo. Umzekelo, masithi iminyaka engama-30, umyinge obekiweyo ubhengezwa nge-4%; I-5 / ARM ye-5 kumbolekisi ofanayo inokuqala nge-3.5%. Oko kunokuthetha ukonga okuninzi kwiminyaka emihlanu yokuqala, kwaye ikuvumele ukuba ufanelekele ukubambisa ngento enkulu. Kodwa ngenxa yokuba amaxabiso enzala ebesoloko ehamba ixesha lonke ukusukela kuRhwebo oluKhulu, kufanelekile ukuba ucinge ukuba uza kuhlawula ngaphezulu- mhlawumbi ngaphezulu kancinci - iminyaka emithandathu ukusukela ngoku ukuba awuthengisi okanye awucoce imali yakho mboleko ngaphambili emva koko. Kungenxa yoko le nto uninzi lwezixhobo zokuthenga ekhaya ziya kukuhambisa (okanye zide zifune) umyinge wobambiso olumiselweyo.
Malunga ne-PMI
Isizathu sokuba nawuphi na umbolekisi afune ukuba uhlawule phantsi - nokuba kungenxa yemoto okanye indlu - kukuba, ude uhlawule isiqwenga semali-mboleko, ngabo abathwala umngcipheko omkhulu wemali. Intlawulo ephantsi engama-20% iqinisekisa ukuba, nokuba intengiso yezindlu iyawa kwaye amaxabiso asekhaya ehle nge-10% ukuya kwi-15%, ikhaya lisaxabisa ngaphezulu kokuba umtyali-mali egcinise imali kulo.
Kungenxa yoko le nto, ukuba awubeki phantsi i-20% okanye nangaphezulu, uninzi lwababolekisi luya kufuna ukuba uthenge i-inshurensi yabucala yemali mboleko, okanye i-PMI (ekhusela umbolekisi kule meko ingentla, hayi wena).
Kukho iindlela ezahlukeneyo oza kuzibhatalela i-PMI, kuxhomekeke kwinkqubo yemali-mboleko - ezinye ziya kuyisongela kwimali mboleko ukuze ixhaswe ngaphezulu kweminyaka engama-30 ngenqanaba lenzala ephezulu, ngamanye amaxesha unokuhlawula nje i $ 100 okanye njalo inyanga kwimpahla yakho yobambiso (de ube ufikelela kuma-20% ukuya kuma-30% olingano ekhaya). Kodwa nokuba awuyiboni, uya kuyibhatalela ngenye indlela.
Abantu abafuna ukuthenga abathengi abasebenzisa imveliso yexabiso eliphantsi lokuhlawula imali ukuze babhatale imali baya kuthi bahlawule i-PMI kunye / okanye bafumane inzala ethe kratya kancinci ukuba bakhetha i-'Lend Paid Mortgage Mortgage option ', u-Beser uthi. Oko bekutshiwo, uninzi lwabathengi bokuqala ekhaya bafumanisa ukuba xa konke kusenziwa kwaye kwenziwe, intlawulo yokubambisa ingaphantsi kunaleyo bayibhatalayo ngoku kwirente.
Malunga namanqaku
Mhlawumbi ukhe weva ngamanqaku obambiso, kwimeko apho ungacinga ngokwakho, Zeziphi izinto ezikwesihogo ezinento yokwenza nantoni na? Umbuzo olungileyo! Ngokusisiseko, ungahlawula ngaphezulu kwangaphambili ukuthoba izinga lenzala yakho yexesha elide.
Inqaku elinye ngokubanzi li-1% yobambiso. Umzekelo, kwimali mboleko engange- $ 200,000, unganakho ukuhlawula ngaphezulu kwe- $ 2,000 (inqaku elinye) ukuvala ukwehlisa inzala yakho ukusuka kwi-4% ukuya kwi-3.5% kubomi bemali mboleko. Esi songezelelo siyakongeza ngaphezulu kweminyaka engama-30 - sikongela amashumi amawaka eedola ngenzala, kwaye sinciphise intlawulo yakho inyanga nenyanga. Ukuba unayo imali, ngokuqinisekileyo kunokuba yixabiso layo - kodwa abathengi bexesha lokuqala bahlala behle kakhulu ngenxa yemali.
Iindleko zokuvala
Ukuthetha ngemali: Ukuhlawulwa kwemali ayisiyiyo kuphela imali oyifunayo ukuze ufumane imali-mboleko. Qiniseka ukuba unomdla wokuvala iindleko, ezahluka ngakwilizwe kodwa zithande ukwenzeka umyinge malunga needola ezingama-3,700 , kwaye ingabandakanya iifizi zokuvela (umrhumo webhanki wokubhala imali-mboleko), iifizi zomvavanyi, amanqaku, i-inshurensi yetayitile, umvavanyi kunye nemirhumo yegqwetha, kunye nezinye iintlawulo ezingahleliwe. Igosa lakho lemali mboleko kufuneka likwazi ukukunika ingqikelelo ethembekileyo yezi ntlawulo ngaphambi kwexesha. Kwezinye iimeko kuyenzeka ukuba umthengisi ahlawule iindleko zakho zokuvala: Ngokusisiseko, bayahlawula, kwaye emva koko bakubize imali eninzi kakhulu ngendlu, ukuze iintlungu zisasazeke ngaphezulu kwekhosi yakho yeminyaka engama-30.
Kuya kufuneka uphinde uhlawule i-inshurensi yabanini bamakhaya yonyaka kunye neerhafu zepropathi ukuze uvale, oya kuthi ungene kwiakhawunti yokungena (oko kuthetha ukuba ibhanki ibambe imali kwaye ihlawule loo mabhili egameni lakho unyaka wonke).
Into ovunyiweyo ngayo kunye nento onokufikelela kuyo inokuba ngamanani amabini ahlukeneyo
Okokugqibela, khumbula ukuba ngenxa yokuba ulungele ukufumana imali mboleko engange- $ 400,000 ayithethi ukuba kufuneka uthenge indlu engama- $ 400,000. Sekela uluhlu lwakho lwamaxabiso ojolise kwintlawulo yanyanga zonke ekulungeleyo-kwaye, ukuba iphantsi kunaleyo ukulungeleyo, khumbula nje ukuba unelo gumbi lingxangxasi xa ulifuna ngokwenene.
Ndihlala nditsho okokuqala abathengi, zama ukuya phezulu kangangoko unako kumda wakho, kodwa uzive ukhululekile ukwenza loo ntlawulo yenyanga yezindlu, utsho uPresti. Kodwa khumbula ukuba ubunini bekhaya buza neendleko ezingaphaya kwento obambise ngayo: I-inshurensi, irhafu yepropathi, izixhobo kunye nolondolozo zinokongeza ukuya kuthi ga amawaka eedola ngonyaka .
I-555 ithetha inani leengelosi
Abathengi abasoloko beqesha rhoqo abazi ngeendleko zobunini, utshilo u-Beser. Kufuneka baqonde ukuba ukuxhasa ngemali imali mboleko yinyathelo nje lokuqala. Nje ukuba bangene, baya kuba neerhafu, i-inshurensi, kunye neendleko zokugcina.
Kwangelo xesha, u-Presti uthi, enye yale mali izakubuyela kuwe ngohlobo lokutsala irhafu yenzala. Kwaye ukuba uqinisekile njengomthengi osakhulayo ukuba uza kunyukela kwikhondo lomsebenzi kule minyaka imbalwa izayo, unokuziva ukhululekile ukuzolula.
Khumbula nje: Imali mboleko ayipheli, kwaye ukuthengisa indlu akufani nokwaphula isivumelwano soqeshiso. Kuya kufuneka ubenenyani malunga nexabiso lekhaya onokulithenga, utshilo uGleason. Akukho nto idala uxinzelelo ngakumbi kusapho kunokwandiswa ngaphezulu kwikhaya lakho kwaye ungaqiniseki nokuba ungazenza na iintlawulo zobambiso. Ke hlala ngaphakathi kuhlahlo-lwabiwo mali lwakho kwaye unamathele kulo.
