Fumanisa malunga nokuchazwa kwangaphambili kwe-HUD
Ngaba unomdla wokufanelekela ikhaya le-HUD? Nazi iingcebiso ezintle kunye nezixhobo zokufumana kungekuphela ukufumana ikhaya le-HUD, kodwa kunye neenkqubo ezahlukeneyo zemali mboleko ezinikezelweyo kunye nento oya kuyidinga ukuyilungiselela ngaphambi kwesicelo semali mboleko
Yintoni ikhaya le-HUD?
Xa umnini khaya engagqibekanga kwimali mboleko ye-FHA, iSebe lezeZindlu noPhuhliso lweeDolophu (HUD) lihlawula umbolekisi we-FHA emva koko abe ngumnini-khaya. Amakhaya aphethwe yi-HUD adwelisiwe kwaye athengiswa kuye nakubani na ofanelekileyo kwixabiso lexabiso lemarike.
Amanqaku afanelekileyo
- Iingcebiso kubafazi abathenga iimoto ezisetyenzisiweyo
- Ukuchazwa kwangaphambili kwe-HUD
- Imigaqo kunye nezikhokelo zokuLungiswa kweMali mboleko yaseKhaya
Amakhaya e-HUD angena kuwo onke amaxabiso, nangona kunjalo, uninzi luthathwa njengolufikelelekayo kubantu abaqhelekileyo baseMelika, nakwiintsapho ezinengeniso ephantsi. Uninzi lwamakhaya e-HUD kufuneka abe nabanini-bantu ukuze afaneleke kwi-FHA mortgage.
ulisusa njani ivumba leziqholo ezingubeni
Ukulungela iKhaya le-HUD
Ngelixa i-HUD ingenguye umntu obolekisa ngemali mboleko yobambiso, bayaqinisekisa ngeemali-mboleko ze-FHA kubabolekisi abavunyiweyo okanye kwiinkampani zobambiso. Ukulungela i-HUD kunye ne-FHA zibonelela ngezi ngcebiso zokukunceda ufumane ikhaya le-HUD:
- Umxhasi ovunyiweyo we-FHA - Kuqala, fumana i UFHA uvumile umbolekisi . Unokufumana uluhlu lwababolekisi abavunyiweyo be-HUD kubo iwebhusayithi . Ibhanki yakho inokuba ngumbolekisi ovunyiweyo we-FHA. Nje ukuba ufumane umbolekisi kwindlu ye-HUD onqwenela ukuyithenga, kuya kufuneka unikezele ngolwazi kunye nembali yobuqu njengoko kufunwa yi-HUD.
- Ingqesho -Ufanele ukuba ubusemsebenzini iminyaka emibini ubuncinci. Ukuzinza emsebenzini kubalulekile kwi-HUD nakwi-FHA.
- Ingeniso Umbolekisi we-FHA uzakujonga umvuzo wakho ukuze abone ukuba uzinzile, uthembekile, okanye unyukile rhoqo.
- Ukuhlawulwa -Usengakulungela ukufumana ikhaya le-HUD ukuba ufake i-bankruptcy, nangona kunjalo, ukubhengezwa kwe-bankruptcy bekufanele ukuba kukhutshwe iminyaka emithathu ubuncinci ngaphambi kwesicelo sakho semali-mboleko.
- Ukufaneleka ngetyala Ababolekisi be-FHA baya kujonga ukufaneleka kwakho kwetyala ukuqinisekisa ukuba uhlawula amatyala akho ngexesha kwaye uthathwa njengomngcipheko olungileyo kumatyala akho.
- Amaxwebhu afunekayo -Ukuba unomdla wokuthenga ikhaya le-HUD, kungcono ukuba nawo onke amaxwebhu akho kunye ukunceda umbolekisi ekugcwaliseni isicelo sakho semali-mboleko. Kuya kufuneka unikeze ngembali yedilesi kule minyaka mibini idlulileyo, igama nedilesi yabaqeshi, imivuzo kunye nemirholo, kunye neengxelo zemivuzo evela kumqeshi wakho okanye kubasebenzi beW2s. Ababolekisi be-FHA bayakucela ikopi yerejista yakho yobuqu kule minyaka mibini idlulileyo. Ukuba uligqala kwaye unqwenela ukuthenga ikhaya le-HUD, unokucelwa ukuba unikezele nge-DD 214 yakho, eyirekhodi elisemthethweni lenkonzo yakho yasemkhosini xa ukhutshiwe.
Zeziphi iinkqubo zemali mboleko ezinikelwayo?
Nje ukuba ube ukulungele ukuthenga ikhaya le-HUD, ezinye zeenkqubo zemboleko ezinikezelwa zezi:
- 203 (b) Imali ebanjisiweyo yeMali mboleko -Le nkqubo ibonelelwa nge-FHA kwaye ihlala ifuna intlawulo encinci kunye neendleko zokuvala eziphantsi. I-HUD iya kuqinisekisa imali mboleko ukuya kuthi ga kumashumi asithoba anesixhenxe eepesenti, nangona kunjalo, kuya kufuneka ube nenqanaba elifanelekileyo lokufumana umvuzo.
- Ummelwane Okulungileyo Kwindlu elandelayo - Ezi nkqubo ze-HUD kunye ne-FHA zemboleko zinikezelwa kootitshala, amagosa ezomthetho, amagcisa ezonyango kunye nabacimi mlilo.
- Abaqeshi beZindlu zikaRhulumente -Enye inkqubo ye-HUD yenzelwe abahlali bezindlu zikawonke-wonke abafuna ukuguqula iintlawulo zokurenta zibe yimboleko. Ungaqhagamshelana negunya lezindlu zikawonke-wonke ukuze ufumane ulwazi oluthe vetshe okanye undwendwele Iphepha lewebhu leZindlu zoLuntu .
- Icandelo lamaMelika aseMelika 184 -Le nkqubo ijolise kubantu baseMelika kunye nabemi baseAlaska. Ungafumanisa malunga nezizwe ezithatha inxaxheba kunye neemfuno ezivela kwi Icandelo lewebhu le-184 .
Ulwazi olusebenzayo oluvela kwi-HUD nakwi-FHA
Inkqubo ye- FHA inikeza iingcebiso kunye nemibuzo ebuzwa rhoqo malunga nokufumana ikhaya le-HUD, apho unokufumana khona uluhlu lwamakhaya e-HUD, kunye nenkqubo yokuthenga enye. Ukutyelela i Iwebhusayithi yemboleko yeHUD izakukunika iingcebiso malunga nendlela yokufumana ikhaya le-HUD kwaye ibandakanya amanyathelo alithoba okuthenga indlu ye-HUD. Funda ulwazi kubo bobabini abameli bakarhulumente okanye nxibelelana nombolekisi ovunyiweyo we-FHA ukuze ufumane okungakumbi malunga namakhaya e-HUD kunye neenkqubo zemboleko.