Imibuzo Evame Ukubuzwa

FAQ

IMIBUZO EJWAYELEKILE UKUBUZWA

1. Kufanele ngifake nini kabusha imali?

Ngokuvamile yisikhathi esihle sokubuyisela imali lapho amanani emali mboleko ephansi ngo-2% kunesilinganiso samanje semalimboleko yakho.Kungase kube inketho esebenzayo ngisho noma umehluko wezinga lenzalo ungamaphesenti angu-1 kuphela noma ngaphansi.Noma yikuphi ukuncishiswa kunganciphisa izinkokhelo zakho zenyanga zonke ze-mortgage.Isibonelo: Inkokhelo yakho, ngaphandle kwezintela nomshwalense, ingaba ngu-$770 emalini ebolekiwe engu-$100,000 ngo-8.5%;uma isilinganiso sehliselwe ku-7.5%, inkokhelo yakho izoba ngu-$700, manje wonga u-$70 ngenyanga.Ukonga kwakho kuncike emalini oyitholayo, ibhajethi, inani lemalimboleko, kanye nezinguquko zesilinganiso senzalo.Umbolekisi wakho omethembayo angakusiza ukubala izinketho zakho.

2. Ayini amaphuzu?

Iphuzu iphesenti lemali ebolekiwe, noma iphuzu elingu-1 = 1% lemali mboleko, ngakho iphuzu elilodwa emalini ebolekiwe engu-$ 100,000 li-$ 1,000.Amaphuzu yizindleko okudingeka zikhokhelwe kuboleki ukuze bathole uxhaso lwezindlu ngaphansi kwemibandela ethile.Amaphuzu esaphulelo yimali esetshenziselwa ukwehlisa izinga lenzalo emalini ebolekiwe ngokukhokha enye yale nzalo kusengaphambili.Ababolekisi bangase babhekisele ezindlekweni ngokwamaphuzu ayisisekelo ngekhulu lephesenti, amaphuzu ayi-100 = iphuzu elingu-1, noma u-1% yenani lemalimboleko.

3. Ingabe kufanele ngikhokhe amaphuzu ukuze ngehlise izinga lami lenzalo?

Yebo, uma uhlela ukuhlala endaweni okungenani iminyaka embalwa.Ukukhokha amaphuzu esaphulelo ukuze wehlise izinga lenzalo yemalimboleko kuyindlela enhle yokwehlisa inkokhelo yakho yenyanga edingekayo, futhi ngokunokwenzeka ukhuphule inani lemalimboleko ongakwazi ukuliboleka.Kodwa-ke, uma uhlela ukuhlala kuleyo ndawo unyaka noma emibili kuphela, ukonga kwakho kwanyanga zonke kungase kunganele ukubuyisela izindleko zesaphulelo samaphuzu owakhokhe kusengaphambili.

4. Iyini i-APR?

Isilinganiso samaphesenti wonyaka (APR) isilinganiso senzalo esibonisa izindleko zemali mboleko njengenani laminyaka yonke.Lesi silinganiso singase sibe phezulu kunesilinganiso senothi esishiwo noma isilinganiso esikhangisiwe semali ebolekiwe, ngoba sicabangela amaphuzu nezinye izindleko zekhredithi.I-APR ivumela abathenga izindlu ukuthi baqhathanise izinhlobo ezahlukene zezikweletu zezindlu ngokusekelwe ezindlekweni zonyaka zemalimboleko ngayinye.I-APR yakhelwe ukukala "izindleko zangempela zemali mboleko."Kwakha inkundla yokudlala yababolekisi.Ivimbela ababolekisi ekukhangiseni inani eliphansi kanye nezinkokhelo zokufihla.
I-APR ayizithinti izinkokhelo zakho zanyanga zonke.Izinkokhelo zakho zanyanga zonke ziwumsebenzi wezinga lenzalo kanye nobude bemali mboleko.
Ngenxa yokuthi izibalo ze-APR zenziwa izinkokhelo ezihlukahlukene ezihlukahlukene ezikhokhiswa ababolekisi, imali ebolekiwe ene-APR ephansi ayisona ngempela isilinganiso esingcono.Indlela engcono kakhulu yokuqhathanisa imali ebolekiwe iwukucela ababolekisi ukuthi bakunikeze isilinganiso sokwethembeka sezindleko zabo ngohlobo olufanayo lohlelo (isb. iminyaka engama-30 emisiwe) ngenani lenzalo efanayo.Ungakwazi ke ukususa izinkokhelo ezizimele ezibolekiwe ezifana nomshwalense wabanikazi bezindlu, izimali zetayitela, izimali ze-escrow, izimali zommeli, njll. Manje hlanganisa zonke izimali ezibolekiwe.Umbolekisi onemali ephansi yemali mboleko unemali mboleko eshibhile kunomboleki onezimali eziphakeme zokubolekwa.
Lezi zimali ezilandelayo zivame ukufakwa ku-APR:
Amaphuzu - kokubili amaphuzu esaphulelo kanye namaphoyinti okuqala
Inzalo ekhokhiwe kusengaphambili.Inzalo ekhokhiwe kusukela ngedethi imali ebolekiwe evala ngayo ekupheleni kwenyanga.
Imali yokucubungula imalimboleko
Imali yokubhala ngaphansi
Imali yokulungiselela idokhumenti
Umshwalense we-mortgage wangasese
Imali ye-Escrow
Lezi zimali ezilandelayo ngokuvamile azifakwa ku-APR:
Isihloko noma imali engabonakali
Imali Yommeli Womboleki
Izimali zokuhlola ikhaya
Imali yokurekhoda
Dlulisa izintela
Umbiko wesikweletu
Imali yokuhlola

5. Kusho ukuthini ukukhiya izinga lenzalo?

Amazinga emali ebolekiwe angashintsha kusukela ngosuku ofaka ngalo isicelo semalimboleko kuya osukwini ovala ngalo umsebenzi.Uma izinga lenzalo likhuphuka kakhulu phakathi nenqubo yesicelo lingakhuphula inkokhelo yemali mboleko yomboleki kungazelelwe.Ngakho-ke, umbolekisi angavumela umeboleki ukuthi "akhiyele ngaphakathi" izinga lenzalo yemalimboleko eqinisekisa lelo nani lesikhathi esinqunyiwe, ngokuvamile izinsuku ezingu-30-60, ngezinye izikhathi ngenkokhelo.

6. Yiziphi izincwadi engizidingayo ukuze ngilungiselele isicelo sami semalimboleko?

Ngezansi kunohlu lwamadokhumenti adingekayo lapho ufaka isicelo semali mboleko.Nokho, zonke izimo zihlukile futhi kungase kudingeke ukuba unikeze imibhalo eyengeziwe.Ngakho-ke, uma ucelwa ulwazi olwengeziwe, sebenzisana futhi unikeze ulwazi oluceliwe ngokushesha ngangokunokwenzeka.Kuzosiza ukusheshisa inqubo yokufaka isicelo.
Impahla Yakho
Ikhophi yenkontileka yokuthengisa esayiniwe ehlanganisa bonke abagibeli
Ukuqinisekiswa kwediphozi oyibekile ekhaya
Amagama, amakheli nezinombolo zocingo zabo bonke abadayisi bezindlu, abakhi, ama-ejenti omshwalense nabameli abahilelekile
Ikhophi Yeshidi Lohlu kanye nencazelo engokomthetho uma ikhona (uma indawo iyikhondomu sicela unikeze isimemezelo sekhondomu, imithetho kamasipala kanye nesabelomali sakamuva)
Iholo Lakho
Amakhophi ezinkokhelo zakho zesikhathi sakamuva sezinsuku ezingama-30 kanye nonyaka kuze kube manje
Amakhophi amafomu akho e-W-2 eminyakeni emibili edlule
Amagama namakheli abo bonke abaqashi kule minyaka emibili edlule
Incwadi echaza noma yiziphi izikhala emsebenzini kule minyaka engu-2 edlule
I-visa yomsebenzi noma ikhadi eliluhlaza (kopisha ngaphambili nangemuva)
Uma uzisebenza noma uthola ikhomishini noma ibhonasi, inzalo/izabelo, imali engenayo noma yokuqashisa:
Nikeza izimbuyiselo ezigcwele zentela zeminyaka emibili edlule yesitatimende senzuzo nokulahlekelwa seminyaka emibili edlule (sicela unikeze ukubuyiselwa kwentela okuphelele okuhlanganisa amashejuli anamathiselwe nezitatimende. Uma ufake isandiso, sicela unikeze ikhophi yesandiso.)
Ama-K-1 awo wonke ama-partnerships kanye ne-S-Corporations eminyakeni emibili edlule (sicela uhlole kabili imbuyiselo yakho. Iningi lama-K-1 alinamathiselwe ku-1040.)
I-Federal Partnership (1065) eqediwe futhi yasayinwa kanye/noma Izimbuyiselo Zentela Yeholo Lebhizinisi (1120) okuhlanganisa wonke amashejuli, izitatimende nezengezo zeminyaka emibili edlule.(Kudingeka kuphela uma isikhundla sakho sobunikazi singama-25% noma ngaphezulu.)
Uma uzosebenzisa i-Alimony noma Ukwesekwa Kwezingane ukuze ufaneleke:
Nikeza isinqumo sesehlukaniso/isinqumo senkantolo esisho inani, kanye nobufakazi bokuthola imali yonyaka odlule.
Uma uthola imali engenayo Yokuvikeleka Komphakathi, izinzuzo zokukhubazeka noma i-VA:
Nikeza incwadi yomklomelo evela ku-ejensi noma inhlangano
Umthombo Wezimali kanye Nenkokhelo Ephansi
Ukuthengiswa kwendlu yakho ekhona - hlinzeka ngekhophi yenkontileka yokuthengisa esayiniwe endaweni yakho yamanje yokuhlala kanye nesitatimende noma isivumelwano sohlu uma singadayiswa (ekuvaleni, kufanele futhi unikeze isitatimende sokukhokha/ sokuvala)
Izimali zokonga, zamasheke noma zemakethe yemali - hlinzeka ngamakhophi ezitatimende zasebhange zezinyanga ezi-3 ezedlule
Amasheya namabhondi - hlinzeka ngamakhophi esitatimende sakho kumthengisi wakho noma amakhophi ezitifiketi
Izipho - Uma ingxenye yemali yakho uvala, hlinzeka nge-Gift Afidavithi kanye nobufakazi bokuthola imali
Ngokusekelwe olwazini oluvela esicelweni sakho kanye/noma umbiko wakho wesikweletu, ungase udingeke ukuthi ulethe imibhalo eyengeziwe
Isikweletu noma Izibopho
Lungiselela uhlu lwawo wonke amagama, amakheli, izinombolo ze-akhawunti, amabhalansi, nezinkokhelo zanyanga zonke zazo zonke izikweletu zamanje namakhophi ezitatimende zenyanga ezintathu zokugcina
Faka wonke amagama, amakheli, izinombolo ze-akhawunti, ibhalansi, nezinkokhelo zanyanga zonke zabanikazi bezindlu kanye/noma abanikazi bezindlu kule minyaka emibili edlule.
Uma ukhokha isondlo noma isondlo sengane, faka inkokhelo yomshado/inkantolo esho imigomo yesibopho
Hlola ukumboza I(i)mali Yokufaka Isicelo

7. Isikweletu sami sahlulelwa kanjani ngababolekisi?

Ukuthola amaphuzu esikweletu wuhlelo olusetshenziswa abakweletwayo ukusiza ukunquma ukuthi bakunikeze yini ikhredithi.Ulwazi olumayelana nawe nolwazi lwakho lwekhredithi, njengomlando wakho wokukhokha izikweletu, inombolo kanye nohlobo lwama-akhawunti onawo, ukukhokha sekwephuzile, izenzo zokuqoqwa, isikweletu esisilele, kanye neminyaka yama-akhawunti akho, luqoqwa esicelweni sakho sesikweletu kanye nekhredithi yakho. umbiko.Besebenzisa uhlelo lwezibalo, abakweletwayo baqhathanisa lolu lwazi nokusebenza kwesikweletu kwabathengi abanamaphrofayili afanayo.Uhlelo lokuthola amaphuzu esikweletu luklomelisa amaphuzu ngento ngayinye esiza ukubikezela ukuthi ubani okungenzeka kakhulu ukuthi akhokhe isikweletu.Isamba senani lamaphuzu -- amaphuzu esikweletu -- lisiza ukubikezela ukuthi ufaneleke kangakanani ukuthola isikweletu, okungukuthi, mangakanani amathuba okuthi ubuyisele imali oyibolekile futhi wenze izinkokhelo ngesikhathi esifanele.

Izikolo ezisetshenziswa kakhulu zezikweletu zingamaphuzu e-FICO, athuthukiswe yi-Fair Isaac Company, Inc. Amaphuzu akho azowela phakathi kwama-350 (ubungozi obukhulu) kanye nama-850 (ubungozi obuphansi).

Ngenxa yokuthi umbiko wakho wesikweletu uyingxenye ebalulekile yezinhlelo eziningi zokuthola amaphuzu esikweletu, kubaluleke kakhulu ukuqiniseka ukuthi unembile ngaphambi kokufaka isicelo sekhredithi.Ukuze uthole amakhophi ombiko wakho, xhumana nama-ejensi amathathu amakhulu abika ngezikweletu:

I-Equifax: (800) 685-1111
I-Experian (ngaphambilini eyayiyi-TRW): (888) EXPERIAN (397-3742)
I-Trans Union: (800) 916-8800
Lawa ma-ejensi angakukhokhisa kufikela ku-$9.00 ngombiko wakho wesikweletu.

Unelungelo lokuthola umbiko owodwa wesikweletu wamahhala njalo ezinyangeni eziyi-12 enkampanini ngayinye ebika ngezikweletu zabathengi ezweni lonke - i-Equifax, i-Experian ne-TransUnion.Lo mbiko wamahhala wesikweletu ungase ungaqukathi isikolo sakho sesikweletu futhi ungacelwa ngewebhusayithi elandelayo: https://www.annualcreditreport.com

8. Ngingenzani ukuze ngithuthukise isikolo sami?

Amamodeli wamaphuzu esikweletu ayinkimbinkimbi futhi avame ukuhluka phakathi kwabakweletwayo kanye nezinhlobo ezahlukene zezikweletu.Uma isici esisodwa sishintsha, isikolo sakho singashintsha -- kodwa ukuthuthuka ngokuvamile kuncike ekutheni leyo nto ihlobana kanjani nezinye izinto ezicatshangwa imodeli.Umbolekisi kuphela ongachaza ukuthi yini engathuthukisa isikolo sakho ngaphansi kwemodeli ethile esetshenziselwa ukuhlola isicelo sakho sesikweletu.
Noma kunjalo, amamodeli wamaphuzu ngokuvamile ahlola izinhlobo ezilandelayo zolwazi embikweni wakho wesikweletu

9. Ingabe uzikhokhele izikweletu zakho ngesikhathi?

Umlando wokukhokha ngokuvamile uyisici esibalulekile.Kungenzeka ukuthi isikolo sakho sizothinteka kabi uma ukhokhe izikweletu sekwephuzile, une-akhawunti edluliselwe kumaqoqo, noma umemezele ukuthi uqolekile, uma lowo mlando ubonakala embikweni wakho wesikweletu.

10. Siyini isikweletu sakho osasilele?

Amamodeli amaningi wamaphuzu ahlola inani lesikweletu onaso uma uqhathanisa nemikhawulo yakho yesikweletu.Uma inani olikweletayo liseduze nomkhawulo wakho wesikweletu, lokho kungase kube nomthelela omubi esikoleni sakho.

11. Mude kangakanani umlando wakho wesikweletu?

Ngokuvamile, amamodeli acabangela ubude berekhodi lakho lesikweletu.Umlando wesikweletu onganele ungase ube nomthelela esikimbeni sakho, kodwa lokho kungase kuxazululwe ngezinye izici, njengezinkokhelo ezifika ngesikhathi namabhalansi aphansi.

12. Ingabe ufake isicelo sekhredithi entsha muva nje?

Amamodeli amaningi wamaphuzu acabangela ukuthi ufake isicelo sekhredithi kamuva nje ngokubheka "imibuzo" embikweni wakho wesikweletu uma ufaka isicelo sekhredithi.Uma ufake isicelo sama-akhawunti amaningi amasha muva nje, lokho kungase kuphazamise isikolo sakho.Nokho, akuyona yonke imibuzo ebalwayo.Imibuzo yabakweletwayo abaqapha i-akhawunti yakho noma ababheka imibiko yezikweletu ukuze benze ukunikezwa kwekhredithi "okuhlolwe kuqala" ayibalwa.

13. Mangaki futhi yiziphi izinhlobo zama-akhawunti ezikweletu onazo?

Nakuba ngokuvamile kuhle ukuba nama-akhawunti esikweletu asunguliwe, ama-akhawunti amaningi wekhadi lesikweletu angase abe nomthelela omubi kumphumela wakho.Ngaphezu kwalokho, amamodeli amaningi acabangela uhlobo lwama-akhawunti wezikweletu onawo.Isibonelo, ngaphansi kwamamodeli athile wamaphuzu, imali ebolekiwe evela ezinkampanini zezimali ingase ibe nomthelela omubi kumaphuzu akho esikweletu.
Amamodeli wamaphuzu angase asekelwe ngaphezu kolwazi olusembikweni wakho wesikweletu.Isibonelo, imodeli ingase icabangele ulwazi oluvela esicelweni sakho sesikweletu futhi: umsebenzi wakho noma umsebenzi, ubude bomsebenzi, noma ukuthi unomuzi yini.
Ukuze uthuthukise amaphuzu akho esikweletu ngaphansi kwamamodeli amaningi, gxila ekukhokheleni izikweletu zakho ngesikhathi, ukhokhe ibhalansi esalele, futhi ungathathi isikweletu esisha.Kungase kuthathe isikhathi ukuthuthukisa isikolo sakho kakhulu.

14. Kuyini ukulinganisa?

I-Appraisal iyisilinganiso senani lemakethe elifanelekile lendawo.Idokhumenti ngokuvamile edingekayo (kuye ngohlelo lwemalimboleko) ngumbolekisi ngaphambi kokugunyaza imali mboleko ukuze kuqinisekiswe ukuthi inani lemalimboleko yendlu alikho ngaphezu kwevelu yendawo.Ukuhlola kwenziwa "Umhloli" ngokuvamile onguchwepheshe onelayisense kahulumeni oqeqeshelwe ukunikeza imibono yochwepheshe mayelana namanani ezakhiwo, indawo yayo, izinsiza, nezimo zomzimba.

15. Iyini i-PMI (Private Mortgage Insurance)?

Emalini ebolekiwe evamile, lapho inkokhelo yakho ephansi ingaphansi kuka-20% yenani lokuthenga lababolekisi bezindlu ezibolekiwe ngokuvamile badinga ukuthi uthole i-Private Mortgage Insurance (PMI) ukuze ubavikele uma kwenzeka uhluleka ukukhokhela indlu yakho yokuhlala.Kwesinye isikhathi ungase udinge ukukhokha amaphrimiyamu e-PMI afinyelela kowonyaka owodwa lapho uvala angabiza amakhulu amaningana amadola.Indlela engcono kakhulu yokugwema lezi zindleko ezengeziwe ukwenza inkokhelo ephansi engu-20%, noma ubuze ngezinye izinketho zohlelo lwemalimboleko.

16. Kwenzekani ekupheleni?

Indawo idluliswa ngokusemthethweni isuka kumdayisi isiwe kuwe ngokuthi "Ukuvala" noma "Uxhaso".

Lapho kuvalwa, ubunikazi besakhiwo budluliselwa kuwe ngokusemthethweni busuka kumdayisi.Lokhu kungase kuhlanganise wena, umdayisi, abadayisi bezindlu, ummeli wakho, ummeli wombolekisi, isihloko noma abamele amafemu e-escrow, omabhalane, onobhala, nabanye abasebenzi.Ungaba nommeli omele wena uma ungakwazi ukuthamela umhlangano wokuvala, okungukuthi, uma ungaphandle kwesifunda.Ukuvala kungathatha noma yikuphi ukusuka ehoreni elingu-1 kuye kwambalwa kuye ngezigatshana zesimo esiphuthumayo ekuthengeni okunikezwayo, nanoma imaphi ama-akhawunti e-escrow adinga ukusethwa.

Iningi lamaphepha ekuvaleni noma ekukhokheleni kwenziwa abameli kanye nochwepheshe bezindlu.Ungase uhileleke noma ungabandakanyeki kweminye yemisebenzi yokuvala;kuya ngokuthi usebenza nobani.

Ngaphambi kokuvala kufanele uhlole okokugcina, noma "uhambe udlule" ukuze uqinisekise ukuthi ukulungiswa okuceliwe kuyenziwa, futhi izinto okuvunyelwene ngazo ukuthi zihlale endlini zikhona njengama-drapes, izinto zokukhanyisa, njll.

Ezifundeni eziningi isinxephezelo siqedwa yitayitela noma inkampani ye-escrow lapho udlulisela khona zonke izinto kanye nolwazi kanye namasheke omuntu ophatha imali ukuze inkampani ikwazi ukwenza inkokhelo edingekayo.Ummeleli wakho uzoletha isheke kumdayisi, bese ekunikeza okhiye.

17. Iyini “imali ebolekiwe yokuthenga izindlu enenani eliphakeme”?

Isingeniso
Lesi sihloko siqukethe ulwazi lwemali mboleko enenani eliphezulu le-mortgage, okuhlanganisa:
· Incazelo ye-HPML
· Izidingo zokubolekwa kwe-HPML

Incazelo ye-HPML
Ngokuvamile, imali ebolekiwe yentengo ephezulu enenani lamaphesenti laminyaka yonke, noma i-APR, ephakeme kunesilinganiso sebhentshimakhi esibizwa ngokuthi Isilinganiso Esimaphakathi Esinikezwayo Esiyisilinganiso Esiyinhloko.

I-Average Prime Offer Rate (APOR) isilinganiso samaphesenti saminyaka yonke esisekelwe kuzilinganiso zenzalo ezimaphakathi, izinkokhelo, neminye imigomo yezikweletu ezinikezwa ababoleki abaqeqeshwe kakhulu.

I-mortgage yakho izobhekwa njengemali mboleko enenani eliphezulu lemalimboleko uma i-APR ingamaphesenti athile aphezulu kune-APOR kuye ngokuthi hlobo luni lwemali mboleko onalo:
· Izikweletu ze-First-Lien: I-APR ingamaphesenti angu-1.5 noma ngaphezulu kune-APOR.
· I-Jumbo Loan: I-APR ingamaphesenti angu-2.5 noma ngaphezulu kune-APOR
· Izindlu ezibolekiwe ezingaphansi (i-2nd Lien): I-APR yalesi sikweletu singamaphesenti angu-3.5 noma ngaphezulu kune-APOR

Izidingo zokubolekwa kwe-HPML
Imali mboleko enenani eliphezulu lemalimboleko izobiza kakhulu kunemali ebolekiwe enemibandela emaphakathi.Ngakho-ke, umbolekisi wakho kuyodingeka athathe izinyathelo ezengeziwe ukuze aqiniseke ukuthi ungakwazi ukukhokha imali oyibolekile futhi ngeke wenze iphutha.Umbolekisi wakho kungase kudingeke ukuthi:
·Thola ukuhlolwa okuphelele kwangaphakathi kumhlaziyi onelayisensi noma oqinisekisiwe
·Nikeza ukuhlolwa kwesibili kwekhaya lakho mahhala, uma kuyikhaya “eliphendulwe”
·Ezimweni eziningi, gcina i-escrow akhawunti okungenani iminyaka emihlanu

18. Uyini Umthetho Wokukwazi Ukubuyisela futhi yiziphi izimali mboleko ezingavunyelwe yi-Qualified Mortgage?

Isingeniso
Lesi sihloko siqukethe ulwazi lwe-ATR Rule kanye ne-Qualify Mortgage, okuhlanganisa:
Uyini umthetho we-ATR?
· Izinhlobo zemalimboleko azikho ku-Qualify Mortgage

Uyini umthetho we-ATR?

Umthetho wokukwazi ukubuyisela uwukuzimisela okuphusile nokuhle ababolekisi abaningi bezindlu ezibolekiwe okudingekayo ukuze ukwazi ukubuyisela imali oyibolekile.

Ngaphansi komthetho, ababolekisi ngokuvamile kufanele bathole, bacabangele, futhi babhale phansi imali engenayo yomboleki, izimpahla, umsebenzi, umlando wesikweletu nezindleko zanyanga zonke.Ababolekisi abakwazi nje ukusebenzisa isilinganiso sesethulo noma “samazwibela” ukuze bathole ukuthi umboleki angakwazi yini ukubuyisela imali mboleko.Isibonelo, uma i-mortgage inezinga lenzalo ephansi elikhuphuka eminyakeni yakamuva, umbolekisi kufanele enze umzamo ozwakalayo ukuze abone ukuthi umboleki angakwazi yini ukukhokha inzalo ephakeme kakhulu.
Enye indlela umboleki angalandela ngayo umthetho wokubuyisela iwukuba enze “Imali Ebolekiwe Efanelekayo”.

Izinhlobo zemalimboleko azikhishiwe ku-Qualify Mortgage
· Isikhathi “senzalo kuphela”, lapho ukhokha inzalo kuphela ngaphandle kokukhokha uthishanhloko, okuyinani lemali oyibolekile.
· “Negative amortization” engavumela uthishanhloko wakho wemalimboleko ukuthi akhule ngokuhamba kwesikhathi, nakuba ukhokha.
· “Izinkokhelo Zebhaluni” okuyizinkokhelo ezinkulu kunokuvamile ekupheleni kwesikhathi semalimboleko.Isikhathi semalimboleko ubude besikhathi okufanele ukhokhe ngaso imali oyibolekile.Qaphela ukuthi izinkokhelo zebhaluni zivunyelwe ngaphansi kwemibandela ethile yemalimboleko eyenziwe ngababolekisi abancane.
· Imibandela yokubolekwa imali engaphezu kweminyaka engama-30.

19. Ayini ama-Fidelity Bonds?

Amabhondi e-fidelity adizayinelwe ukuvikela abanikazi bamapholisi kunoma yikuphi ukulahlekelwa okwenzeka ngenxa yezenzo ezilimazayo noma ezikhohlisayo ezenziwa amaqembu acacisiwe.Ezimweni eziningi, izibopho zokwethembeka zisetshenziselwa ukuvikela izinkampani ezenzweni zabasebenzi abangathembekile.
Naphezu kweqiniso lokuthi abizwa ngamabhondi, amabhondi e-fidelity awuhlobo lwenqubomgomo yomshwalense yamabhizinisi/abaqashi, ebafaka umshwalense ngokumelene nokulahlekelwa okubangelwa yizisebenzi (noma amakhasimende) abangela ukulimala ebhizinisini ngamabomu.Zihlanganisa noma yiziphi izenzo ezizuzisa isisebenzi ngendlela engafanele ngokwezimali noma ezilimaza ibhizinisi ngamabomu.Amabhondi e-fidelity awakwazi ukudayiswa futhi awatholi inzalo njengamabhondi avamile.
 
Isifinyezo
Amabhondi e-fidelity avikela abanikazi bamapholisi ezenzweni ezinonya neziyingozi ezenziwa abasebenzi noma amakhasimende.
Kunezinhlobo ezimbili zamabhondi okwethembeka: amabhondi enkampani yokuqala (avikela izinkampani ezenzweni eziyingozi zabasebenzi noma amakhasimende) namabhondi ezinkampani zangaphandle (ezivikela izinkampani ezenzweni eziyingozi zabasebenzi abanenkontileka).
Amabhondi ayasiza ngoba ayingxenye yesu lenkampani lokulawula ubungozi, avikela inkampani izenzo ezingathinta kabi impahla yayo.

Amabhondi ahlanganisa izinto eziningi ezifanayo ezimbozwa yizinqubomgomo zomshwalense wobugebengu eziyisisekelo njengokugqekeza nokweba, kodwa aphinde ahlanganise izinto lezo zinqubomgomo okungenzeka zingazifaki.Lokhu kuhlanganisa izinto ezinjengokukhwabanisa, ukukokotela, ukukhwabanisa, nobunye ubugebengu obuningi “bobugqila” obungenziwa ngabasebenzi ezikhungweni zezimali nasezinkampanini ezinkulu.

20. Iyini Imali Ebolekiwe Yokulingana Ngezindlu?

Imali mboleko ye-home equity-eyaziwa nangokuthi i-equity loan, i-home equity installment, noma i-mortgage yesibili-uhlobo lwesikweletu somthengi.Imali mboleko ye-home equity ivumela abanikazi bezindlu ukuthi baboleke ngokumelene ne-equity ekhaya labo.Inani lemali ebolekiwe lisekelwe kumehluko phakathi kwevelu yemakethe yamanje yekhaya kanye nebhalansi yemali ebolekiwe yomnikazi wendlu efunekayo.Izimali mboleko zezindlu zivame ukuba nezinga elimisiwe, kuyilapho enye indlela evamile, imigqa yezikweletu zekhaya (HELOCs), ngokuvamile inezilinganiso eziguquguqukayo.

IZINDABA EZINKULU OKUZITHATHELAYO:
Imali mboleko ye-home equity, eyaziwa nangokuthi "imalimboleko yesitolimende ye-home equity" noma "i-mortgage yesibili," iwuhlobo lwesikweletu somthengi.
Imali mboleko yezindlu ivumela abanikazi bezindlu ukuthi baboleke ngokulingana endaweni abahlala kuyo.
Amanani emali mboleko yezindlu asekelwe kumehluko phakathi kwevelu yemakethe yamanje yendlu kanye nebhalansi yemali ebolekiwe efunekayo.
Izimali mboleko zezindlu zifika ngezinhlobo ezimbili—imalimboleko enesilinganiso esingaguquki kanye nemigqa yezikweletu yekhaya (HELOCs).
Izimali mboleko zezindlu ezinesilinganiso esingaguquki zinikeza isamba sesamba esisodwa, kuyilapho ama-HELOC enikeza ababoleki imigqa ezungezayo yekhredithi.

21. Yini ukubambezeleka kwezimali?

Emsebenzini wezimali obambezelekile, ungathatha ukheshi esakhiweni ngokushesha ukuze ukhokhe inani lokuthenga nezindleko zokuvala zesakhiwo obusithenge ngokheshi ngaphambilini..Lokhu kukuvumela ukuthi ube nethuba elihle lokuba umthengi wemali futhi unikeze abathengisi ithuba lokwazi ukuthi ukuthengiselana kuzovalwa, kuyilapho kukunikeza amandla okuthola imali yokuthenga indlu maduzane ngemuva kwalokho ukuze ugweme ukuthi yonke imali oyilondolozile iboshelwe endlini yakho.

Ungacabanga ngokubambezeleka kwezimali njengendlela yokuzinikeza inzuzo yokuxoxisana ehambisana nokukhokha ngokheshi wekhaya, kuyilapho usazinika ukuguquguquka kwezimali kwesikhathi eside okunikezwayo ngokukhokha nyanga zonke kwi-mortgage esikhundleni sokuzenzela "indlu". mpofu.”

22. Yini i-impound kwi-mortgage yendlu?

Ama-akhawunti e-Escrow impound yilawo ma-akhawunti ababolekisi abawamisayo ukuze baqoqe imali 'phezulu' kuwe lapho uthatha imali mboleko ukuze ubhekane nezindleko zesikhathi esizayo njengezintela zezakhiwo nomshwalense.Ababolekisi bathanda ukumisa la ma-akhawunti e-impound, njengoba bese beqiniseka ukuthi intela yendawo kanye nomshwalense uzokhokhwa ngesikhathi, njengoba bezobe bephethe imali futhi bakukhokhele lezi zindleko.

23. Wazi kanjani isilinganiso serenti yemakethe?

Inani lokuqasha libalulekile ekuthengeni indawo yokutshala imali.Singalithola kanjani-ke inani lokuqasha?Amawebhusayithi alandelayo angase akusize.
Akukho ukungena ngemvume okudingekayo, mahhala.

Zillow.com

http://www.realtor.com/

Amawebhusayithi amabili angenhla asetshenziswa kakhulu.Banohlu lwempahla olukhulu kakhulu, ithrafikhi yesayithi kakhulu, futhi bahlinzeka ngezinsizakalo ezisusa umnikazi wendawo kusukela ekukhangiseni kuye ekuqoqweni kokuqasha.

https://www.huduser.gov/portal/datasets/fmr.html

Iwebhusayithi esemthethweni YEHHOVISI LOKUTHUTHUKISWA KWENQUBOMGOMO NOCWANINGO.

Lawo mawebhusayithi amathathu angenhla kufanele anele ukuthi wazi isilinganiso serenti yemakethe.
Kodwa-ke, lokhu kungokwereferensi yakho kuphela, uma imali yokuqasha izosetshenziselwa iholo elifanelekayo, umbiko we-appraisal noma isivumelwano sokuqashisa kungase kudingeke.

24. Kuthiwani uma ngingakwazi ukufaneleka ukubolekwa imali evamile?

Izimali mboleko ezivamile zinezidingo ezikhawulelwe zesilinganiso se-DTI/ Ama-Reserves/ LTV/ Isimo sesikweletu.Ngokuvamile, iningi lababoleki lingase lifanelekele ukubolekwa imali evamile ngemali engenayo ephezulu kanye namaphuzu esikweletu.Nakuba kwabanye ababolekayo, iholo labo liphansi noma linezinhlobo ezihlukahlukene zemali engenayo, okuholela ezimbuyiselo ezimbi zentela;Izikweletu zikaFannie Mae zingase zingazamukeli lezi zinhlobo uma imali mboleko yendlu.
Kulezi zimo, ungase uzame ukuthola omunye umbolekisi wezindlu ohlinzeka ngemikhiqizo ye-Non-QM.I-AAA Lendings manje isihlinzeka ngeSitatimende Sebhange, i-Platinum Jumbo, Ukugeleza Kwemali Yabatshalizimali (Alukho ulwazi oludingekayo lomsebenzi, Asikho isidingo se-DTI), ukuqedwa kwempahla kanye nezinhlelo Zezwe Langaphandle.Wonke umuntu angathola umkhiqizo ofanele onenani eliphansi kanye nenani elingcono kakhulu.
Nazi izibonelo ezimbalwa zezimo zokubonga kamuva nje:
Abatshalizimali bezindlu ezithengiswayo abanezakhiwo eziningi kufaka phakathi ama-condos angenawaranti.---- Ukugeleza Kwemali yabatshalizimali
Umboleki ozisebenzelayo onesikweletu esihle kakhulu umholo wakhe oshiwo embusweni wakhe wentela ngeke ubenze bafanelekele ikhaya eliwubukhazikhazi abangalikhokhela.----Isitatimende Sebhange Kuphela
Isimo sokuwa lapho umeboleki wayeneminyaka emibili kuphela ekuvinjelweni.---- Platinum Jumbo
Umboleki uthengise ibhizinisi lakhe lezigidi zamadola wabe esethola ikhaya lamaphupho akhe kodwa wayengenawo umthombo wemali yokubhala.----Ukwehliswa Kwempahla

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