Cinga ngokurenta ukuze ube ngowakho.
Ukuba uyazibuza ukuba 'ndingayifumana phi imali-mboleko yokuthenga indlu eyenziweyo?' ungavuya ukufumanisa ukuba unokukhetha iindlela ezahlukeneyo. Unokonyusa ukhetho lwakho ngokufumana intlawulo ebalulekileyo ezantsi kunye nembali ebalaseleyo yetyala.
Izinto ekufuneka ziqwalaselwe
Ayingabo bonke ababolekisi ababonelela ngemali mboleko kumakhaya enziweyo. Nokuba imboleko mboleko ithathwa njengeyona nto ibanjisiweyo okanye imali mboleko ekhuselweyo sisibambiso sekhaya elenziweyo kuxhomekeke kwizinto ezimbalwa ezahlukeneyo:
- Isixa semali esifunekayo ukuthenga ikhaya elenziweyo
- Unyaka wokwakhiwa kwekhaya
- Ubume besiseko sekhaya elenziweyo
- Nokuba imali mboleko yeyokuthengwa kwekhaya elenziweyo okanye likhaya kunye nomhlaba ahleli kuwo
- Ezona ndlela zibalaseleyo zokuDibanisa amatyala ekhadi letyala
- Ngaba Kukho Imali-mboleko ye-FHA Yamakhaya Avelisiweyo ePakini?
- Ukuxhuzulwa kweRhafu yeMali mboleko yaseKhaya
Kubalulekile ukuba wazi ukuba ngubani umbolekisi oza kwamkela izicelo zezi ntlobo zemboleko ngelixa ucinga ukuba ngaba imali-mboleko iya kuba yimboleko okanye olunye uhlobo lwemali mboleko. Kutheni le nto kubalulekile ukufumanisa ukuba ngaba imali-mboleko iza kuba kukubambisa okanye hayi? Imali mboleko inokuba nezibonelelo ngaphezulu kwemali mboleko yakho.
- Ubambiso lwempahla ngokubanzi lubonisa inzala ephantsi kunemali mboleko yomntu.
- Iimali-mboleko zihlala zihlawulwa ixesha elide, zikhokelela kwintlawulo ephantsi yenyanga.
- Inzala ehlawulwe kwimali mboleko yokubolekwa kwemali inokuhlawulwa kwirhafu, ngelixa inzala ehlawulwe kwimali mboleko yobuqu ayixhomekeki kwirhafu kwiimeko ezininzi.
- Imboleko mali yobambiso inokuphinda iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde yenziwe
Ngezi zizathu, kufanelekile ukuzama ukufumana umbolekisi oza kuthi abonelele ngemboleko mboleko yekhaya elenziweyo ngokuchasene nokukunika imali mboleko yobuqu yokuthenga ikhaya elenziweyo. Oku ke kukhokelela kumbuzo othi 'ndingayifumana phi imali-mboleko yokuthenga indlu eyenziweyo?'
Ababolekisi babambiso bamakhaya avelisiweyo
Ayingabo bonke ababolekisi bemali mboleko yokubonelela ngemali mboleko yezindlu ezenziweyo. Ngelixa abanye ababolekisi bemali-mboleko yokubonelela ngemali bebonelela ngezi ntlobo zamakhaya kwiimeko ezithile, uninzi lwababolekisi babambiso bakhetha ukungaziniki ezi ntlobo zemboleko mboleko konke konke. Thetha nombolekisi wakho omkhethileyo ukuze ufumanise ukuba ziyafumaneka na ezi mboleko.
Ukuba awunaye umbolekisi okhethiweyo, jonga kwakhona olu luhlu lwabanye babolekisi bemali mboleko yokubonelela ngemali mboleko yezindlu ezenziweyo:
- Umthi obolekisayo
- Wells Fargo usetyenziso lweWindows kwi- Ivenkile yeWindows
- Vanderbilt Mortgage kunye neMali
- PHH Ubolekiso
Aba kuphela kwabambalwa ababolekisi bemali-mboleko yokwamkela izicelo zokubolekwa kwemali yasekhaya. Thelekisa umnikelo wemali mboleko ovela kubabolekisi abahlukeneyo ngaphambi kokuba uthathe isigqibo malunga nombolekisi omnye kuba nokuba umahluko omncinci kumazinga wenzala unokuguqula ukonga okukhulu kubomi bemali mboleko yakho.
Fumana Uncedo
Ukuba injongo yakho kukuthenga indlu eyenziweyo kodwa awuhlangabezani nengeniso okanye ukuhlawula iimfuno zokuhlawula ezibekwe ngababolekisi bemali-mboleko, cinga ngokufaka isicelo sokufumana isiqinisekiso semali mboleko kwi-Federal Housing Administration (FHA). Ngelixa isiqinisekiso semali mboleko nge-FHA asiqinisekisi ngemvume yokubolekwa kwemali, iyonyusa amathuba akho okuvunywa okoko umbolekisi eqinisekisiwe ukuba kwimeko yokubhengezwa i-FHA iyakuhamba ngebhili yemali eseleyo. Oku akuthethi ukuba awusenatyala; Endaweni yoko, unetyala kwi-FHA endaweni yombolekisi wokuqala.
Isiqinisekiso semali mboleko ekhaya esenziwe nge-FHA sibizwa njalo Isihloko I mboleko . Kuya kufuneka uhlangane neemfuno ze-FHA kunye nokufumana ukuvunywa kwetyala nge-FHA-evunyiweyo yemali-mboleko yobambiso. Inkqubo yokuvunywa kwetyala kunye nemfuno yokuhlawula ezantsi ayingqinelani nokuvunywa kwe-FHA, ke oku kuyenza ukuba ibe yinto enomtsalane kumntu ofuna ukuthenga indlu eyenziweyo ngaphandle kwemicimbi ethile yamatyala okanye ukungabikho kwemali eninzi yokuhlawula.
Ndingayifumana phi iMali mboleko yokuthenga ikhaya elenziweyo?
Ukuba awufanelanga ukuba uboleke imali mboleko yobambiso, ukufumana imali mboleko yobuqu lolunye ukhetho. Uya kufumanisa ukuba iqondo lenzala liphezulu kwaye imigaqo yemali mboleko ayinamtsalane, kodwa le yinto onokuyenza ukuba ubambiso alunakwenzeka. Thetha nebhanki yakho okanye umbutho wakho wekhredithi ukufumanisa ukuba ukulungele na ukubolekwa imali ukuze uthenge indlu eyenziweyo.
