11/28/2023

Ukuqala uhambo lobunikazi bezindlu kubangela umbuzo obalulekile: Yimaphi amaphuzu esikweletu owadingayo ukuze uthenge indlu?Ukuzulazula ezinkingeni zezikolo zekhredithi kumongo wokuthenga ikhaya kubalulekile.Lo mhlahlandlela obanzi uhlose ukucalula ubunkimbinkimbi, unikeze imininingwane ebalulekile namathiphu angasebenza ukuze unike amandla ekufezekiseni imigomo yakho yobuninikhaya.

Ukuqopha Ingqikithi Yezikolo Zesikweletu

Okuyisisekelo Kwesikolo Sesikweletu:

Emgogodleni wawo, amaphuzu esikweletu asebenza njengenkomba yenombolo yokufaneleka komuntu ngesikweletu, ehlanganisa umlando wakhe wesikweletu nokuziphatha kwezezimali.E-United States, amaphuzu e-FICO, asukela ku-300 kuya ku-850, ami njengemodeli yokushaya amaphuzu evelele.

Umthelela Ekuthengeni Ikhaya:

Ukubaluleka kwamaphuzu akho esikweletu kugqama kakhulu ohlelweni lokugunyazwa kwempahla mboleko.Ababolekisi basebenzisa lesi sikolo ukuze bahlole ubungozi obuhambisana nokuboleka wena.Amaphuzu esikweletu aphezulu ngokuvamile ahumusha emigomeni yemali-mboleko evumayo, enomthelela kumazinga enzalo nezinketho zemalimboleko.

Ukudabula i-Credit Score Spectrum

Kuhle kakhulu (800-850):

Abantu abanezikweletu ezinhle kakhulu bathola imigomo evumayo yemalimboleko kanye namazinga enzalo.Umlando wabo wesikweletu uphawulwa ukuphila isikhathi eside, ukungabi nasici, kanye nezimo ezincane zokukhokha sekwephuzile noma ukusetshenziswa kwekhredithi.

Kuhle Kakhulu (740-799):

Labo abasebangeni lesikweletu elihle kakhulu basajabulela izikhundla ezibazuzisayo, abafanelekela imigomo evumayo yemali mboleko kanye namazinga enzalo ancintisanayo.

Okuhle (670-739):

Amaphuzu amahle esikweletu asho umlando wesikweletu oqinile, ovumela ababoleki ukuthi bavikele ngokujwayelekile imali ebolekiwe.Kodwa-ke, amatemu angahle angabi mahle njengalawo anamaphuzu aphezulu.

Ukulunga (580-669):

Ebangeni lesikweletu elifanelekile, ababoleki bangase babhekane nezinselele ezithile zekhredithi.Nakuba ukuthola imali ebolekwa ekhaya kungenzeka, imigomo ingase ingabi mnandi, ibe nezinga lenzalo eliphezulu.

Abampofu (300-579):

Abantu abanezikweletu ezingezinhle bahlangabezana nezithiyo ezinkulu ekutholeni imali yokuthenga indlu.Ababolekisi bangase bababheke njengababolekayo abasengozini enkulu, okwenza kube nzima ukuthola amagama avumayo.

Ubuncane besikolo sesikweletu sezinhlobo ezahlukene zemalimboleko

Imalimboleko Evamile:

Ngemali mboleko evamile, isilinganiso sesikweletu esincane esingu-620 siyadingeka.Kodwa-ke, ukuphokophela ukuthola amaphuzu angama-740 noma ngaphezulu kuyancomeka ukuze uthole amagama avumayo.

Imalimboleko ye-FHA:

Izimali mboleko ze-FHA zibonisa ukuyekelela okwengeziwe, okuvumela ababolekayo abanamaphuzu esikweletu aphansi njengama-500 ukuze bafaneleke.Nokho, amaphuzu angu-580 noma ngaphezulu anconyelwa inkokhelo ephansi.

I-VA Loans:

Izimali mboleko ze-VA, ezidizayinelwe omakadebona namalungu ezempi asebenzayo, ngokuvamile zifaka izidingo zekhredithi eziguquguqukayo.Yize bungekho ubuncane obusemthethweni, amaphuzu angaphezu kwama-620 ngokuvamile ayalulekwa.

Imalimboleko ye-USDA:

Izimali mboleko ze-USDA, ezenzelwe ababoleki abanemali ephansi ukuya emaphakathi ezindaweni zasemakhaya, ngokuvamile zidingela amaphuzu esikweletu angama-640 noma ngaphezulu.

Ukuphakamisa Isikolo Sakho Sesikweletu Sokuthenga Ekhaya

1. Hlola umbiko wakho wesikweletu:

• Hlala uhlolisisa umbiko wakho wesikweletu ukuze uthole amaphutha.
• Ngokushesha phikisa noma yikuphi okungalungile ukuze uqinisekise ukumelwa okuyiqiniso komlando wakho wesikweletu.

2. Izinkokhelo Ngesikhathi:

• Hlakulela umkhuba wokukhokha zonke izikweletu ngesikhathi ukuze usungule umlando wokukhokha omuhle.
• Cabangela ukusetha izinkokhelo ezizenzakalelayo ukuze unciphise ubungozi bokweqiwa kwedethi yamanqamu.

3. Yehlisa Isikweletu Esisalele:

• Zama ukunciphisa ibhalansi yekhadi lesikweletu kanye nesikweletu sisonke.
• Gcina ukusetshenziswa kwekhredithi kungaphansi kwama-30% omkhawulo wakho wesikweletu.

4. Gwema Ukuvula Imigqa Emisha Yezikweletu:

• Ukuvula ama-akhawunti amasha esikweletu kunganciphisa isikolo sakho sesikweletu okwesikhashana.
• Khawulela imibuzo emisha yezikweletu, ikakhulukazi eduze nenqubo yokuthenga ikhaya.

5. Xhumana Nomeluleki Wezikweletu:

• Uma kunesidingo, funa isiqondiso kumeluleki wezikweletu ukuze wenze uhlelo olufanele lokuthuthukisa.

Isiphetho

Sengiphetha, amaphuzu esikweletu adingekayo ukuze uthenge indlu ancike ezintweni ezihlukahlukene, okuhlanganisa uhlobo lwemali mboleko kanye nemibandela ethile yomboleki.Yize ezinye izinhlelo zokubolekwa imali zithatha amaphuzu aphansi esikweletu, ukulangazelela ukuthola amaphuzu aphezulu kukhulisa kakhulu ikhono lakho lokuvikela imigomo efanelekile yemali mboleko.Ukuqapha isikweletu sakho njalo, ukulungisa ngokushesha noma yikuphi ukungaboni ngaso linye, nokusebenzisa imikhuba yezezimali enesibopho kuyizinyathelo ezibalulekile zokuthola amaphuzu akho esikweletu ohlosiwe, futhi ngenxa yalokho, ukufeza iphupho lakho lokuba ngumninikhaya.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.