Oomama abangatshatanga bajongene nemiceli mingeni emininzi yezemali, kodwa ukuba nomzi akufuneki ukuba kubenjalo. Nangona iinkqubo zesizwe ezilungiselela oomama abangatshatanga zingafumaneki ngeli xesha, ezinye iindlela ziyafumaneka ukunceda ngokwezimali kunye nokubonelela ngesikhokelo kwinkqubo yokuthenga amakhaya.
Uncedo lokuhlawula ezantsi
Ukuthenga ikhaya kufuna intlawulo esezantsi- ngama-20% exabiso lentengo. Ukuhlawulwa kwemali eninzi kunyusa amathuba okuvunywa kwemali mboleko mboleko kwaye kunokwehlisa intlawulo yenyanga, yenza ukuba ubunini bendlu bufikeleleke ngakumbi. Oomama abangatshatanga abanomvuzo olinganiselweyo bahlala befumana imfuneko yokuhlawula ezantsi ukuba ibe sesona sithintelo sikhulu ekuthengeni ikhaya. Uninziezantsi iinkqubo zoncedo zokuhlawula oomama abangatshatangaiza ngohlobo lweegranti - ezinye zazo zifuna ukuhlawulwa.
Amanqaku afanelekileyo- Iindlela ezizezinye zokuhlawula ikholeji
- Izibonelelo zeZindlu zooMama abaNgenaqabane
- Umama ongatshatanga kwiMali mboleko
IiAkhawunti zoPhuhliso loMntu ngamnye
An Akhawunti yoPhuhliso lwaBantu (IDA) sisicwangciso sokonga esihambelanayo esinceda abo bafumana umvuzo omncinci babele imali ekuthengeni ikhaya elitsha. Idola nganye egcinwe kwi-IDA iyahambelana. Ezi akhawunti, ezihlala zivulekile ukusuka kwiinyanga ezintandathu ukuya kwiminyaka embalwa, zenziwa zenziwe ngokubambisana phakathi kwamaziko emali kunye nemibutho engenzi nzuzo. Oomama abangatshatanga abanobunzima bokonga ngenxa yomvuzo omncinci banokufumana ezi akhawunti ziluncedo. Ukulungela ukuqwalaselwa, abafaki-zicelo kufuneka:
Ixesha elifanelekileyo lokuthena imithi yemephu
- Dibana ubuncinci beemfuno zomvuzo
- Uyakwazi ukufaka isandla kwiakhawunti ye-IDA ngemali evela kwimali oyifumeneyo
- Awunazo iiasethi ezingaphezu kwe- $ 5,000
- Ungabinamatyala okanye ube nesixa esincinci semali engekahlawulwa
- Gqibezela uthotho lwezifundo zemfundo kuhlahlo-lwabiwo mali nasekongeni
- Gqibezela iikhosi zemfundo ngenkqubo yokuthenga ngaphambi kokuthenga ikhaya
Iinkqubo zokuNcedisa ukuhlawula phantsi ngeNdawo
Inani elikhulu lamazwe libonelela ngeenkqubo zoncedo lwentlawulo kubathengi bokuqala bemakhaya. Iinkqubo ezinje ngezi zinokunceda oomama abangatshatanga abanengeniso encinci. Imizekelo yee-arhente kwilizwe liphela ibandakanya, kodwa ayikhawulelwanga:
- I-Arhente yezeziNdlu yaseCalifornia ICalifornia ibonelela ngeNkqubo yesiqhelo yeCalFHA, inkqubo yokuqala yabathengi ekhaya apho amahlakani kurhulumente nababolekisi abavunyiweyo banikezela ngobambiso oluphantsi kubemi abafanelekileyo. Ukuthenga iingcebiso kwangaphambili kwezemali kuyafuneka kwaye kukho imida yengeniso kubathathi-nxaxheba. Inzala kunye namagama ahluka ngokuxhomekeke kumvuzo womenzi-sicelo nakwikhredithi.
- Inkampani yeZindlu yaseLouisiana Oomama abangatshatanga eLouisiana banokulungela ukufumana uncedo kwiinkqubo ezincedisayo ekuhlawuleni nasekubhataleni iindleko.
- Isebe laseTexas lezeZindlu neMicimbi yoLuntu : Abahlali banokufaka isicelo soncedo ngentlawulo ezantsi kunye neendleko zokuvala ngenkqubo yeKhaya lam eTexas Ekhaya.
- IVirginia ISebe leZindlu noPhuhliso loLuntu : Ngokukodwa kubahlali abanengeniso ephantsi kunye nephakathi, inkqubo yokuFumana, yokuHlaziya, kunye nokuThengisa inceda ukufanisa abafaki zicelo abanamakhaya angaxabisekanga kunye nezimali ezizodwa. Inzala kunye namagama ahluka ngokuxhomekeke kumvuzo womenzi-sicelo nakwikhredithi.
- IKhomishini yezeziNdlu yaseWashington Inkqubo yokunceda phantsi yentlawulo ebonelelwe ngurhulumente inikezela ngenzala ephantsi, iimali mboleko zokurhoxisa zokuhlawula ezantsi.
IiNkqubo ezingakumbi nguRhulumente
Uluhlu olupheleleyo lwezi nkqubo, khangela Isikhokelo se-HUD . Khetha indawo ohlala kuyo kwaye ujonge imixholo yecandelo 'lokuthenga ikhaya' kuluhlu lweearhente ezibonelela ngoncedo lwentlawulo. Iinkqubo zaseburhulumenteni nezasekhaya ziyafumaneka kwamanye amazwe.
Iinketho zemali
Kuba ukubolekwa kwemali ethile koomama abangatshatanga akuqhelekanga, ukukhangela imali mboleko eyilelwe abafaki zicelo abanengeniso esezantsi yeyona nto ilungileyo. Ezi mboleko-mali ziya kukuxolela ngakumbi ukulinganiswa okuphezulu kwetyala kunye nengeniso kunye nokuhlawula ezantsi kunesiqhelo, imali mboleko yesiqhelo iya kuba njalo.
I-FHA yoBambiso
I-FHA mboleko ibonelela ngeerks ezininzi kwabo bafumana umvuzo omncinci abanokuba nexesha elinzima lokufumana imali. Umrhumo ophantsi we-3.5% wemfuno yokuhlawula (enokuthi ibe ngaphezulu ngokuxhomekeke kwikhredithi) inokwenzeka ngakumbi kunemilinganiselo eyi-20% yokuhlawula. Ukongeza, iikhrayitheriya zokufumana isiqinisekiso, ezinje ngamanqaku emboleko, azingqinelani kuneemveliso zemboleko mboleko zemveli kwaye inqanaba lenzala elinikezelwayo liphantsi kakhulu. Ukufumana ababolekisi abavunyiweyo be-FHA, khangela Iziko ledatha le-HUD .
indlela yokulahla iinwele ezityheli
I-United States Isebe Lezolimo
Ukuba ungumama ongatshatanga okhangela ikhaya kwindawo esemaphandleni (ekhethwe yi-USDA), olu hlobo lwemali mboleko inokuba lukhetho olufanelekileyo. Imali-mboleko ye-USDA ibonelela abantu abanengeniso ephantsi kunye naphakathi abanamanqaku okuthenga ngetyala angama-620 okanye ngaphezulu kwaye ahlangabezana neemfuno ezithile zengeniso. Eyona nto inomtsalane kukukwazi ukukuyeka ukwenza intlawulo. Ukuze ufunde okungakumbi malunga nenkqubo okanye ubone ukuba ufanelekile, ndwendwela Iwebhusayithi ye-USDA .
VA Ubambiso
Oomama abangatshatanga abafanelekileyo VA mboleko kufuneka ithathele ingqalelo olu khetho njengoko isusa isidingo sentlawulo esezantsi.VA Ubambisozikwaqinisekisiwe liSebe leMicimbi yeVeterans, ezibenza babenomtsalane ngakumbi kwabo banokuba ngababolekisi, nokuba umfaki sicelo unemali engaphantsi kwe stellar okanye umvuzo ophantsi.
Izisombululo zezindlu ezifikelelekayo
Kukho imibutho ethi izame ukunceda abantu abanengeniso ephakathi ukuba bafumane ikhaya; oomama abangatshatanga kwimali engenayo encinci banokulungela ezi nkqubo.
Indawo yokuhlala yoLuntu
Ngenxa yokuba benombono 'wehlabathi apho wonke umntu enendawo efanelekileyo yokuhlala,' lo mbutho unika abo banomvuzo othintelweyo ithuba lokufaka isicelo sokufikeleleka Indawo yokuhlala yoLuntu ekhaya. Ukulungela ukuqwalaselwa, abafaki-zicelo kufuneka:
- Yiba ngabemi baseMelika
- Fumana umvuzo ongaguquguqukiyo ohlangabezana neemfuno zengeniso
- Yiba neakhawunti yokonga exhaswa ngokufanelekileyo
- Ukuba kuvunyiwe, yiya kwizifundo zobunini bamakhaya
- Unokwazi ukufaka igalelo kwintlawulo efanelekileyo
- Unokwazi ukwenza iintlawulo zenyanga ngenyanga
- Ncedisa kwinkqubo yokwakhiwa kwamakhaya amatsha eHabitat, kubandakanya nelakho
ISebe laseMelika lezeZindlu noPhuhliso lweeDolophu (i-HUD)
Inkqubo ye- Ivenkile yeHUD yasekhaya ithengisa iipropathi zokuhlala enye ukuya kwezine ebezithinjiwe. Uninzi lwamakhaya lahluthwa ngenxa yokubambisa okungabanjiswanga ngu-Federal Housing Administration (FHA). Ixabiso lokuthengisa libonisa ngokuchanekileyo ixabiso elisekwe kuvavanyo lwe-HUD. I-HUD iya kuhlawula iindleko zokuvala ukuba icelwe ngumthengi. Ukuba ikhaya lifuna ukulungiswa, i I-FHA 203k yokuBoleka iMali mboleko Ivumela iindleko zokulungisa kunye nemali mboleko ukuba idityaniswe ibe yimveliso enye yokubambisa. Koomama kuhlahlo-lwabiwo mali olulinganiselweyo, esi inokuba sisisombululo ekuthengeni ikhaya.
Ixabiso lekati eyindoda
UFannie Mae
UFannie Mae ibonelela ngeendawo zokuhlala ezithengiselwa abathengi ngayo Inkqubo yeeNdlela zaseKhaya . Amakhaya ayafumaneka ngamaxabiso asezantsi njengoko enqunyiwe, kwaye amanye afanelekile kwiNkxaso-mali yeNdlela eKhaya ebonelela ngeendlela eziguqukayo zokubambisa kunye nokukhetha ukwenza intlawulo ephantsi.
Ezinye izixhobo
IGunya leZindlu lakho linokuba nolwazi malunga neenkqubo zalapha ekhaya eziyilelwe ngokukodwa ukunceda oomama abangatshatanga babe ngabanini bamakhaya. Ezi nkqubo zinokuza ngohlobo loncedo olusezantsi lokuhlawula, izibonelelo, okanye iinkqubo zemfundo.
Jonga ngendawo yakho Igunya lezeZindlu ukufumanisa ukuba kukho iinkqubo ezizodwa onokufanelekela kuzo.
Izinto ekufuneka ziqwalaselwe
Iinkqubo ezikhoyo zokunceda oomama abangatshatanga ukuthenga indlu zinokwahluka ngokwendawo. Eminye imibutho engenzi nzuzo inikezela ngoncedo kwingingqi yabo. Ngaphandle kwenkqubo yesizwe ekhethekileyo yoomama abangatshatanga, oovimba bendawo okanye iinkqubo zabafakizicelo bemivuzo ephantsi kunokuba yeyona nto ukubheja kwakho. Nazi ezinye iingcebiso zokongeza:
- Ungayikhathaleli inkqubo yemali mboleko eyilelwe abathengi bekhaya okokuqala, nokuba ubunekhaya ngaphambili. Ngokwesiqhelo, ukuba nje awunakhaya kwiminyaka emithathu, uyakufanelekela enye yezi nkqubo.
- Ababolekisi baya kufuna ukwazi ukuba ivelaphi imali yokuhlawula kwakho; Ke ukuba isihlobo okanye umhlobo osenyongweni ukunika imali, umbolekisi uya kufuna ukwazi ukuba loo mali sisipho okanye yimali mboleko, kwaye inokuchaphazela ukufaneleka kwakho kobambiso.
- Nokuba uthatha inxaxheba kwinkqubo yababoleki bokuqala okanye abanomvuzo ophantsi, umlinganiso wakho kwityala lokufumana umvuzo kunye nembali yekhredithi iya kuba nefuthe kwimimiselo yemali mboleko, okanye ukuba ukuthatha inxaxheba kule nkqubo kuvunyiwe.
- Lumkela umkhonyovu! Abanye abakhohlisi bazibeka njengearhente yomanyano okanye ababolekisi abathembekileyo xa bengekho. Jonga ngqo kwiarhente okanye kumbolekisi ukuqinisekisa ukuba ummeli uvumelekile.
Ukukhetha iKhaya elilungele wena
Nje ukuba ulungele ukuthatha inyathelo elilandelayo kubunini bekhaya, qiniseka ngokuthelekisa ukhetho lwakho kwaye ukhethe inkqubo efanelekileyo kakhulu kuwe. Sebenzisa iinkonzo zengcali yezindlu nomhlaba kunokuqhuba inkqubo yokuthenga ekhaya. Njengaye nawuphi na umboleki, kubalulekile ukuba uqonde onke amaxwebhu owatyikityayo kwaye ungavumeli mntu ukuba akunyanzele ukuba utyikitye into ongayiqondiyo.
