Ityala lakho lisenokungabi nguMthengisi wempahla emva kwakho

Hamilton kunye noBurr. Kanye kunye noDrake. Amazinyo asandula kuxubha kunye nejusi yeorenji. Ezi zibini zingaze zixutywe. Ngokubanzi umntu unokuthi ityala kunye nokuba ngumnini makhaya zezinye zezi zibini zizodwa - kodwa oko kungatshintsha, itsho entsha ingxelo isuka kwiSebe lezeZindlu noPhuhliso lweeDolophu e-U.S.

I-Federal Housing Authority (i-FHA) ingxelo yonyaka yemali-mboleko iqinisekisa ukukrokrela ukuba ityala elifana nemali mboleko yomfundi lichaphazela okokuqala ukungena kwabathengi bemizi kwintengiso yezindlu. Kodwa endaweni yokuvumela ityala libagcine berenta, ngoku bafumana iindlela zokuthenga amakhaya nangayiphi na indlela — ityala kunye nako konke.

Kutheni ndihlala ndibona 911

Ngokwengxelo, umyinge we-DTI) wemali-mboleko yokuthenga i-FHA ifike kwiipesenti ezingama-43.09- ukonyuka konyaka kunyaka wesithandathu ongqongqo, kunye ne-DTI ephezulu kakhulu. Ukongeza isixa semali ephezulu yemali-mboleko eqinisekisiweyo ye-FHA, okanye ezo zinomlinganiso we-DTI ongaphezulu kweepesenti ezingama-50, zikonyuse amanqaku eepesenti amane ukusuka kwi-2017 ukuya kwi-24.80 yeepesenti. Ngokomxholo, umyinge we-DTI yakho kufuneka wehle ngaphantsi kweepesenti ezingama-43 ukuze uninzi lwababolekisi bavume wena kwimali mboleko yesiqhelo-ingxelo ifumanise ukuba uninzi (iipesenti ezingama-54.60) zabo bathenga i-FHA yokuthenga iimboleko babene-DTI ngaphezulu kwalo mqobo.

Ngokwesiko, Imali mboleko ye-FHA zijolise ekuncedeni abo ngokwesiko bavaliwe ngaphandle kokubambisa okuqhelekileyo ukufezekisa ubunini bemizi. Ngenxa yokuba be-inshurensi yomanyano, abo bafumana iimali mboleko ze-FHA bahlala benamanqaku aphantsi okuthenga ngetyala kunye neentlawulo ezincinci ezantsi. Ngenxa yoku, iimali mboleko ze-FHA zidlala indima enkulu ekuncedeni abanengeniso ephantsi kunye nephakathi kunye nabathengi bamakhaya abancinci ukuba bathenge amakhaya abo okuqala ngemali-enyanisweni, iipesenti ezingama-33.76 ze-FHA zokuxhasa ziye kubabolekisi abambalwa ngo-2018. ikhuphe ngaphezulu kwe-47.5 yezigidi zemboleko yobambiso-okanye i-12.10 yeepesenti yosapho olunye-usapho oluvela kwi-mortgage-ukusukela oko yaqalwa nge-1930s.

Ngelixa ukutsiba kwi-DTI kunokubonakala ngathi kuyothusa, oku akwenzeki nje ngemali mboleko ye-FHA. Kuyo yonke ibhodi, imigangatho yokuvunywa kwempahla ibonakala ngathi iyahlaziya. KuJuni ophelileyo, uhlalutyo olwenziwe nguCoreLogic lufumanise ukuba ipesenti yazo zonke iimali mboleko eziqhelekileyo ziya kubabolekisi abanobungozi ngokwesiko. Olu tshintsho ikakhulu lunokunxulunyaniswa nokucothiswa kwemarike yezindlu. Kwaye ekubeni amawaka ezigidi zeminyaka enezigidi ezinkulu zamatyala ngenxa yemali mboleko yomfundi kunye nokukhula komvuzo okumileyo, iibhanki kufuneka zikhulise indawo yazo yokufaka izicelo ukuze abantu basebenzise kwaye bathenge imali mboleko.

Enye into ebangela umdla kwisifundo? Abenzi-zicelo abaninzi be-FHA bafumana uncedo lwezezimali kwiintsapho ngelixa begcina imali mboleko yabo. Ngo-2018, iipesenti ezingama-26.16 zababoleki zifumene ingxowa-mali yesipho kwilungu losapho elifanelekileyo. Ayothusi into yokuba i-millennials ubukhulu becala ifuna uncedo lwezezimali kubahlobo nakumalungu osapho ukuze ithenge ipropathi kuba kunjalo molo kubiza. Ngapha koko, uZillow uxele ngoDisemba ukuba iipesenti ezingama-54 zabathengi basezidolophini basebenzisa izipho zemali kumalungu osapho okanye kubahlobo ukunceda ukuhlawula intlawulo.

Ithetha ntoni i1212 kumanani eengelosi

Kodwa akulindelwanga ukufumanisa ukuba uninzi lwababenzi-zicelo be-FHA bafumana uncedo lwemali-kuba imali mboleko ijolise ekuncedeni abafaki-zicelo abahlelelekileyo ngokwakha ubutyebi ngokuba ngabanini bamakhaya. Olunye utoliko lwale datha inokuba abo ngokwesiko baya kuba nakho ukufumana imali mboleko yesiqhelo ngoncedo lwabazali kufuneka ngoku bathenge ngemali mboleko ye-FHA ngenxa yetyala lemali mboleko yomfundi, izinto ezimbalwa zezemali, amanqaku aphantsi etyala, kunye namaxabiso asekhaya abiza kakhulu- ezine izinto ezithwaxa intengiso yeminyaka eliwaka. Kwaye ukuba oko kuyinyani, oko kuthetha ukuba uninzi lwabasele behlelelekile ngokwezemali abebenokuthi baxhamle kwimali mboleko ye-FHA banokukhutshelwa ngaphandle kwintengiso yokuthenga ekhaya kuba bengenakho ukufikelela kuncedo lwezezimali lwangaphandle.

Nokuba yeyiphi na indlela, olu nyuso lubonisa ukuba kunzima kangakanani ukuthengwa kwemali mboleko kwezi zizukulwana ezindala ezinokuthi ziqwalasele indlela yesiko okanye engenabungozi kangako. Benza konke abanako.

ULiz Steelman

Umhleli Wezindlu

@lizsteelman