Funda malunga nezikhokelo ze-FHA.
Ukuba ucwangcisa ukubeka ikhaya lakho kwintengiso, kubalulekile ukuba uzifundise malunga ne-FHA pros and cons for sellers. Ngokuthatha ixesha lokufunda malunga nezinto ezintle kunye nezinto ezingahambelaniyo ezinxulumene nolu hlobo lwemali mboleko yokubolekwa kwemali mboleko, uya kuba nakho ukwenza isigqibo esinolwazi malunga nezibonelelo ezinokuthi zingene zivela kubathengi abazakufuna inkxaso-mali ngenkqubo yemali mboleko ye-FHA.
Ukuqonda i-FHA Pros kunye neCons for Sellers
Imali mboleko ye-FHA yimali mboleko yasekhaya ekhuselweyo yi-Federal Housing Administration.
Amanqaku afanelekileyo
- Iinkonzo kunye neengozi zeRhafu kumakhaya abo
- Uluhlu lokuHlola lwe-FHA
- Iimfuneko zeNdlu zeMali mboleko yeFHA
Izinto eziluncedo
Ukusuka kwimbono yomthengisi, eyona nto iphambili kwimali mboleko ye-FHA ilele kwinto yokuba ukulungela ukwamkela isibonelelo esivela kumthengi oceba ukufuna olu hlobo lwemali kukhokelela kwichibi elikhulu labathengi bepropathi yakho.
Ucinga ukuba awuzami ukuthengisa ipropathi ephezulu engaphaya komda wemali mboleko ye-FHA, kukho ithuba elihle lokuba uyakufumana umthengi ofanelekileyo ngokukhawuleza ukuba uvulekile ukujongana nemibhalo kunye nemingeni yokuhlola eposwe Inkxaso-mali ye-FHA. Ukuba awuvulelekanga kwinkxaso-mali ye-FHA, abathengi abangenako ukubanakho ukufanelekela kwimali mboleko yemveli yokuboleka imali abayi kukwazi ukuthenga ipropathi ofuna ukuyithengisa.
Kuyinyani ukuba abantu abaninzi abakwaziyo ukufikelela okanye ukulungela ukubolekwa imali ngokwesiqhelo bahlala bekwazi ukuthenga amakhaya ngoncedo lwenkqubo yemboleko ye-FHA. Kukho izizathu ezahlukeneyo zoku, kubandakanya inyani yokuba imfuneko yokuhlawula ezantsi kwimali mboleko ye-FHA isezantsi kunezoboleko zemveli. Kwiimeko ezininzi, kulula kwakhona ukuba abantu bahlangabeze iikhrayitheriya zokuvunywa kwemboleko ye-FHA kunezinye iintlobo zemboleko mali mboleko Umzekelo, ababolekisi be-FHA bangasebenzisa imali abayinikiweyo okanye ebolekwe kubo njengentlawulo ehlawulelwayo kunokuba babonakalise ukuba bakwazile ukugcina imali bebodwa.
Iingxaki
Kwixesha elidlulileyo, iimali mboleko ze-FHA zazinxulunyaniswa namaphepha kunye nokuvavanywa kobunzima. Nangona kunjalo, nangona abantu abaninzi besenoluvo lokuba olu hlobo lwemali lunokuba yingxaki, akusenjalo. Ngelixa ukuvavanywa kwamakhaya kucetyiswa ngokuqinisekileyo, akusekho mfuneko yovavanyo lokubambisa i-FHA. Uvavanyo luyafuneka, kodwa kunjalo kwimeko yazo zonke iimali mboleko zobambiso. Emva kwayo yonke loo nto, ababolekisi kufuneka baqiniseke ukuba ipropathi exhaswa ngemali inexabiso elaneleyo lokuhlawulela imali mboleko engekahlawulwa ukuba umthengi akakwazi ukwenza uxanduva lwezemali.
Ekuphela kwento abathengisi abanokuthi bayijonge njengendawo engentle xa bethengisa ipropathi kumntu oxhasa ukuthenga kwabo ngemali mboleko ye-FHA yinto yokuba abathengisi kufuneka bahlawule umrhumo wenkonzo yerhafu. Le ntlawulo iya kwinkampani esebenzela imali mboleko kwaye igubungela iindleko zolawulo ezinxulumene nokuseta nokwenza irhafu kunye neentlawulo zeinshurensi kwiakhawunti yomthengi yokuthenga. Le ntlawulo ihlala ingaphantsi kwe- $ 100, ngenxa yoko ayinakuba nefuthe elibonakalayo kwimali mboleko okanye kwiindleko ezinxulumene noko.
Ukuthatha isigqibo malunga neMali mboleko ye-FHA
Kungokwemvelo ukuzibuza malunga ne-FHA pros kunye ne-cons kubathengisi xa usenza izigqibo malunga neentlobo zezinto ozimisele ukuzonwabisa xa ubeka ikhaya kwintengiso. Kuba iimfuno zobambiso lwe-FHA azikho zingqongqo njengoko bezinjalo ngaphambili, abathengisi abaninzi bafikelela kwisigqibo sokuba inyani yokuba abantu abaninzi banelungelo lokuthenga ipropathi yabo ukuba bakulungele ukwamkela i-FHA ngaphezulu kakhulu kweendleko ezinokubakho Yokufuneka uhlawule umrhumo wenkonzo encinci werhafu.
