Ukuhlaziywa kweNdlela yokuHanjiswa kweMali mboleko

Amagama Aphezulu Ebantwaneni

Indlu kunye neMali

Ukuhlaziywa kweKhayaPath Ukubolekwa kwemali mboleko kuvumela abanye abathengi basekhaya ukuba baxhase ikhaya elifuna ukukhanya ukuya kulungiso olulinganiselweyo. Imboleko mali mboleko mboleko iya kubandakanya imali yokuhlawula ixabiso lokuthenga ekhaya kunye nokulungiswa. Abanye abathengi, eli lithuba lokulungisa ikhaya elinokubakho.





Inkqubo yeFannie Mae

I-HomePath yi-REO kaFannie Mae, okanye indawo enabanini bezindlu nomhlaba. Iipropathi zikaFannie Mae, ngenxa yokuhluthwa kwakhona, ukuthinjwa, okanye ukushiywa inokuba yinxalenye yeli candelo. Injongo ye-HomePath kukunceda ukuthengisa ezi ndawo. Ungalujonga uluhlu lwamakhaya akhoyo ngoku athengiswayo ngale nkqubo ngokundwendwela Iwebhusayithi yeFannie Mae HomePath , apho unokufumana khona iipropathi ezikhoyo kwilizwe lonke usebenzisa isixhobo sokukhangela ekulula ukusisebenzisa. La makhaya anokuthi okanye angabi nexabiso elifanelekileyo. Sebenzisa iarhente yokuthengiswa kwezindlu kunye nombolekisi wakho ukuthenga olu hlobo lwekhaya.

Amanqaku afanelekileyo
  • Ezona ndlela zibalaseleyo zokuDibanisa amatyala ekhadi letyala
  • Iinketho zeMali mboleko zoPhuculo lwaseKhaya
  • Izinketho zoPhuculo lweKhaya

Xa ufika kwiwebhusayithi, qaphela loo makhaya ane-logo ye-HomePath yokuhlaziya iMortgage kuluhlu. La makhaya afanelekela inkqubo eyodwa yokunceda ukukhuthaza ukuthengiswa kwepropathi.





Umthengi othengela ikhaya ofanelekela ukuBuyiselwa kweMboleko yeNdlu angaboleka ngaphezulu kwexabiso lekhaya njengoko linjalo. Olu hlobo lwemboleko luvumela umninikhaya ukuba athenge indlu efuna ukulungiswa kunye nokuxhasa iindleko zomsebenzi wokulungisa kwixabiso lobambiso. Umthengi unemali-mboleko enye ebandakanya iindleko zokuhlaziywa kunye nokuthenga. Umthengi unokuthenga ukuya kuthi ga kwiipesenti ezingama-35 zexabiso eligcwalisiweyo lekhaya, okoko nje loo mali ingaphantsi kwe- $ 35,000.

Kuthatha ixesha elingakanani ukucoca i-oveni

I-HomePath yokuhlaziya iMboleko mboleko yinkonzo enikezelwa nguFannie Mae. Nangona kunjalo, ababoleki bayakufuna ukufumana umbolekisi ovunyiweyo kaFannie Mae ukuze benze isicelo kwaye bafumane imali mboleko kunokuba banxibelelane ngqo noFannie Mae. Ukufumana umbolekisi, ndwendwela Indawo yovuselelo lokubambisa ngempahla kwekhaya .



Izibonelelo kwiNgxowa-mali yokuHanjiswa kweNdlela

Njengomboleki, iMboleko yeKhaya yokuHanjiswa kweMboleko yeNdlu inokuncedahlawula ukulungiswa okuphakathiiimfuno zekhaya. Imeko nganye yahlukile, kodwa kukho izibonelelo kwabanye abathengi basekhaya abakhetha olu hlobo lwemali mboleko.

  • Imali mboleko inentlawulo ephantsi kodwa kufuneka ubuncinci ibe ziipesenti ezintathu.
  • Khetha uhlobo lwamagama alungele wena phakathi kwenqanaba elimiselweyo okanye ireyithi ebolekisiweyo yereyithi.
  • Unokuxhasa ngemali intlawulo esezantsi kulondolozo, kwizibonelelo, kwimali mboleko evela kumbutho ongenzi nzuzo, kwizipho, okanye kumqeshi wakho. Ukongeza, iimali ezivela kurhulumente okanye kurhulumente wengingqi nazo zinokufaneleka.
  • Imali mboleko ayifuni i-inshurensi yobambiso. Oku kunokuhlisa iindleko zomboleki zizonke.
  • Sebenzisa olu hlobo lwemali mboleko ekuthengeni ikhaya eliphambili, amakhaya yesibini, okanye iipropathi ezilungiselelwe utyalo-mali.
  • Unokwazi ukurhoxisa iimfuno zeprojekthi ngokusebenzisa le mboleko.

Ezi zibonelelo azinakusebenza kuzo zonke iimeko. Banokutshintsha ngokuhamba kwexesha, nabo.

Ngaphambi kokusebenzisa iNkqubo yokuBambisa ngempahla

I-HomePath yokuhlaziya iMboleko mboleko ifumaneka kuphela kumakhaya afanelekileyo. Ukufumanisa ukuba ikhaya liyafaneleka, jonga umbolekisi wakho ovunyiweyo nguFannie Mae. Olu lwazi luyafumaneka kuluhlu, kwiimeko ezininzi.



  • Bonke abathengi kufuneka basebenzise iarhente yokuthengisa izindlu nomhlaba ukuphatha ukuthengwa kwekhaya eliphantsi kwenkqubo yeKhayaPath kuba ifuna uxwebhu olusemthethweni kunye nokulungiswa. Ngummeli kuphela onokubeka isibonelelo kolu hlobo lwemali mboleko, ngokukaFannie Mae.
  • Phambi kokusebenzisa le nkqubo, umboleki-mali makaqwalasele zonke iintlobo zokhetho lwenkxaso mali. Ngamanye amaxesha, i-HomePath yokuhlaziya iMboleko-mboleko isenokungabi yeyona ndlela ifikelelekayo yokuthenga ikhaya.
  • Inkqubo ayinakufuna uhlolo lwasekhaya ngaphambi kokufumana imali, kodwa yinto ekufuneka abathengi bayithathele ingqalelo. Ukuhlolwa kwendlu kunokufumana iingxaki ezinokubakho kwipropathi ngaphambi kokuba intengiso yenzeke.
  • Ababolekisi kufuneka babonelele ngendleko ezipheleleyo zokubonisa indleko zolu hlobo lwemali mboleko. Oku kubandakanya iindleko zokuvala kunye nezinye izinto.

Ngaphambi kokuthenga indlu nale nkqubo, qiniseka ukuba ibonelela ngeemfuno zakho zemali. Ngamanye amaxesha, ezi ndawo zinokuthengisa ngexabiso eliphantsi, kodwa oku akusoloko kunjalo.

Iclaloria Calculator