Iikhredithi zerhafu yaseburhulumenteni ziye zaxhonywa phambi kwabathengi bokuqala ekhaya ngaphambili - i-7 500 yeedola ngetyala ngo-2008 eza nembuyekezo kunye nekhredithi ebiza kakhulu ye-8,000 ngo-2009 eyayingafuni ukuhlawulwa. Ngelixa liluncedo kubathengi, la makhredithi edlulileyo ayejolise ikakhulu ekuvuseleleni ukuthengiswa kwekhaya kwintengiso yezindlu ezibandezelekileyo.
Ngoku, intengiso yezindlu ye-2021 iyanda. Amanqanaba enzala akwiirekhodi ezisezantsi kwaye amakhaya ayaqhekeka ngokukhawuleza nje ukuba umqondiso wentengiso unyukile. Ngeli xesha, ikhredithi yomthengi yexesha lokuqala eyinxalenye ephambili Isicwangciso sezindlu sika-Mongameli Joe Biden sika-640 billion ayimfuneko ukuvuselela imakethi yezindlu enengxaki. Endaweni yokuba yenzelwe ukwandisa ubunini bemizi ngokunceda abathengi abatsha banikezele ngentlawulo.
Ukuba ungumthengi onqwenela ukuthenga into, inye into ekufuneka uyazi malunga nekhredithi yomthengi yokuqala ye-Biden kukuba, ukuba ivunyiwe, iya kubonelela ukuya kuthi ga kwi-15,000 yeedola kuncedo olusezantsi lokuthenga kubathengi-kwaye wenze njalo ngexesha kufutshane, endaweni yokwenza ukuba ikhredithi ifumaneke kunyaka olandelayo xa ufaka irhafu.
Kutheni ndiqhubeka nokubona i-555
I-Biden ijolise ekuncedeni abathengi bexesha lokuqala bakhusele iindawo zabo zokuhlala zokuqala, utshilo u-Alexa Nicolette, uMthengisi weeLayisensi oThengisayo KWI-HOUSE Real Estate Group . Le yinto enkulu, kuba ubunini bendlu buhlala bunxulunyaniswa nokwakha ubutyebi bexesha elide.
UBiden uya kufuna inkxaso yeCongress ukuze enze lo mgaqo-nkqubo werhafu. Ukuba ikhutshiwe, uncedo olusezantsi lokuhlawula lunokususa isithintelo esigcina ubunini bendawo kufikelela kubathengi abaninzi abanokuthi bakwazi ukuhlawula iintlawulo zenyanga, ngakumbi ngoku ukuba inzala iphantsi.
Phantse abane kwabali-10 abangabanini bamakhaya bathi ukungabinamali eyaneleyo egcinelwe intlawulo engaphantsi sisithintelo kubuninimzi, kodwa ama-62 eepesenti abantu baseMelika bakholelwe ngokungachanekanga kufuneka ubenama-20 epesenti ubuncinci bokubeka phantsi, ngokweNerdWallet's Ingxelo yoMthengi wasekhaya ka-2020. Ubuncinci bemfuno yokuhlawula ezantsi kwimali mboleko ye-FHA, umzekelo, yipesenti ezi-3.5.
Ityala elicetywayo liza kuvumela abathengi abaninzi ukuba bangene kwimarike, utshilo u-Holden Lewis, ingcali yamakhaya kunye neyezindlu kwiNerdWallet.
Ingxaki kukuba akukho manqanaba aneleyo okungena kumgangatho wentengiso kwintengiso, ke amaxabiso ezindlu aya kunyuka ngokukhawuleza ngenxa yokungalingani phakathi konikezelo kunye nemfuno, utshilo uLewis.
oko u-1111 kuthetha ngokomoya
Uluhlu lweempahla luhlala lucudisiwe, ngokuyinxenye ngenxa yentsilelo eqikelelweyo kwi-2020 yamalunga nezigidi ezi-4 zamakhaya asandula ukwakhiwa, ngokokuhlalutya okuvela Realtor.com .
INerdWallet Ukwabonisa ukuba amagosa ka-Biden aphinda-phinda inkxaso kaMongameli engenayo kwiCongress yokurhoxisa i-10, 000 yeedola zemali mboleko yomfundi ngomntu ngamnye njengenxalenye ye-COVID-19. Ayenzi kuphela intlawulo ephezulu yemali mboleko yomfundi yenza kube nzima ukugcina intlawulo esezantsi, kodwa iimali mboleko ezingekahlawulwa zichaphazela umlinganiselo wamatyala ukuya kwingeniso ,, njengamanqaku etyala, eyona nto iphambili ekubolekiseni ababolekisi xa bevuma ukubambisa.
Elinye icandelo lesicwangciso sikaBiden esinokubangela umdla kumthengi wokuqala kukwanda kwe Inkqubo Yommelwane Olungileyo , enceda abaphenduli bokuqala kunye nootitshala bezikolo zikarhulumente ngoncedo olusezantsi lokuhlawula, utshilo uDamon Smith, umlawuli omkhulu wezokwazisa kunye neengcebiso UMbutho weSizwe weTyala .
Ngokukodwa, u-Biden ucacisa kwisicwangciso sakhe ukuba ufuna ukwenza iphuli enkulu yamakhaya kwaye abonelele ngokufikelela kwimali mboleko enenzala ephantsi yokuvuselela la makhaya xa kufuneka behlaziyiwe.
Izindululo zikaBiden zinokunceda ukuvula indlela eya kubanini bamakhaya kwabaninzi, nangona kubalulekile ukuba uqaphele ukuba ezinye iinkcukacha zinokutshintshwa okanye zihanjiswe ngaphambi kokuba isicwangciso samkelwe-ukuba samkelwe ngokwenene.
