U.S.

Isikhungo Somkhiqizo

Imininingwane Yomkhiqizo

Iyini Imalimboleko Evumelana Nejwayelekile?

Imali mboleko evumelanayo iyimali mboleko enemibandela nemibandela ehlangabezana nemibandela yoxhaso ka-Fannie Mae noFreddie Mac.Izikweletu ezivumelanayo azikwazi ukweqa umkhawulo othile wedola, oshintsha unyaka nonyaka.Ngo-2022, umkhawulo ngu-$647,200 ezindaweni eziningi zase-US kodwa uphakeme kwezinye izindawo ezibiza kakhulu.Ungasesha ku-inthanethi imalimboleko yesifunda ngayinye evumelana nemikhawulo yemalimboleko yonyaka wamanje.

Umgomo kaFannie Mae noFreddie Mac uholela ekutheni bathenge iningi lamabhange ezindlu ezibolekisayo.Kodwa ukuze bazamukele, abakwazi ukwenza ngokuthanda;kufanele zifane futhi zenziwe ngaphansi kweziqondiso ezithile.Kulapho ingxenye evumelanayo ingena khona, futhi kungani kunemithetho eminingi kangaka yokubhala ngaphansi kwalezi zimali mboleko: iwukuba ukulinganisa imali mboleko ukuze uFannie Mae noFreddie Mac bakwazi ukuzithenga.

Yiziphi izinhlobo ze-AAA Conforming Loans?

Ungase ubone ababolekisi bezindlu ezibolekisayo bekunikeza amanani entengo ahlukene "Emalimboleko Evumelanayo Jikelele" kanye "Nemalimboleko Ephezulu".Empeleni, zombili lezi zinhlelo ezimbili zibizwa ngokuthi I-Confirming Loan.

Yimuphi umehluko wemalimboleko Evumelanayo kanye Nemalimboleko Engaguquki?

Kunezigaba ezihlukene zemalimboleko ongazisebenzisa ukuze uthenge umuzi, futhi imali mboleko evumelanayo nengavumelani yizona ezivame kakhulu.Imali mboleko evumelanayo ihlangabezana nemihlahlandlela okufanele ithengiselwe u-Fannie Mae noma uFreddie Mac, abathengi ababili abakhulu e-US Izimali mboleko ezingavumelani, ngakolunye uhlangothi, yilezo eziwela ngaphandle kwaleyo mihlahlandlela, ukuze bangakwazi ithengiselwe uFannie Mae noma uFreddie Mac.
Zonke izimali mboleko ziwela ngaphansi kwesinye salezi zambulela ezimbili—kungenzeka zihambisana neziqondiso zikaFannie noFreddie, noma azivumelani.Umehluko phakathi kwalokhu okubili uholela emiphumeleni ethile ethokozisayo ethinta wena—umthengi.

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