Ukuqonda Imali Ebolekiwe Okungeyona Eye-ejensi Yeminyaka Engama-30 Egxilile Yama-Condo Angenawaranti

Lapho uzulazula emhlabeni oyinkimbinkimbi woxhaso lwezindlu ezithengiswayo, ikakhulukazi e-United States, umuntu angase ahlangabezane namagama athile angabonakala enzima. Amagama amabili anjalo athi "Okungeyona I-ejensi iminyaka engu-30 elungisiwe" kanye "Ne-Non-Warrantable Condo." Ukuqonda le mibono kubalulekile kulabo abafuna ukuthola imali yokuthenga indlu ehlukile. Lesi sihloko sihlose ukucacisa le migomo nokuchaza ukuthi ihlangana kanjani.

Iyini Imali Ebolekiwe Okungeyona I-ejensi Yeminyaka Engama-30 Egxilile?

Imali mboleko engaguquki engeyona ye-ejensi iwuhlobo lwemali mboleko engahambisani nemihlahlandlela ebekwe amabhizinisi axhaswe nguhulumeni afanaUFannie Maenoma uFreddie Mac. Ngokungafani nemalimboleko evamile, imalimboleko okungeyona eye-ejensi ivamise ukunikezwa ababolekisi abazimele futhi ingaguquguquka ngokwemibandela yabo. Ingxenye ye-"30-Year Fixed" isho ukuthi izinga lenzalo lihlala lingashintshile esikhathini esiyiminyaka engama-30, linikeza ukuzinza nokubikezela ezinkokhelweni zanyanga zonke.

Ukuqonda Ama-Condo Angaqinisekisiwe

I-Non-Warrantable Condo iyikhondomu engafinyeleli imibandela ebekwe u-Fannie Mae noma u-Freddie Mac ukuze uthole uxhaso oluvamile. Lezi zindlela zokunquma zingase zibandakanye izindaba ezinjengobunikazi botshali-zimali obuphezulu, ukwakhiwa okungaphelele, noma ukuntuleka kwezimali ezibekiwe kunhlangano ye-condo. Ngenxa yalezi zici, ama-Non-Warrantable Condos avame ukubhekwa njengengozi ephezulu ngababolekisi.

Kungani Khetha Imali Ebolekiwe Okungeyona Ye-ejensi Yeminyaka Engama-30 Engaguquki Ye-Condo Enganikezwa Iwaranti?

Ukuthola imali yokubolekwa kwendlu ye-Condo Enganikezwa Iwaranti kungaba yinselele ngenxa yephrofayili yayo ephezulu yobungozi. Yilapho imali mboleko engaguquki yeminyaka engama-30 engeyona ye-Ejensi iba inketho ekhangayo. Njengoba imalimboleko okungeyona eye-ejensi ingaboshelwe yizimfuneko eziqinile zezinkampani ezixhaswe uhulumeni, zinganikeza izindinganiso zokubhala ngaphansi ezithambile. Lokhu kuvumelana nezimo kungaba yinzuzo ikakhulukazi kulabo abafuna ukuthenga i-Non-Warrantable Condo.

Izinzuzo Zemali Ebolekiwe Okungeyona I-ejensi Yeminyaka Engama-30 Egxilile

1. Ukuvumelana nezimo ekuvunyweni: Ababolekisi okungebona abe-ejensi bangacabangela ububanzi obubanzi bezinto lapho begunyaza imali mboleko, okwenza kube lula kubathengi bama-Non-Warrantable Condos ukuthi bafaneleke.
2. Izinkokhelo Ezizinzile: Izinga lenzalo eligxilile phakathi neminyaka engu-30 liqinisekisa ukuthi izinkokhelo zanyanga zonke zihlala zingashintshi, lisiza abanikazi bezindlu baphathe izimali zabo ngempumelelo kakhudlwana.
3. Izixazululo ngokwezifiso: Ababolekisi okungebona abe-ejensi bavamise ukuhlinzeka ngezixazululo zemalimboleko ezenzelwe wena ukuze kuhlangatshezwane nezidingo ezihlukile zababolekayo, okulungele labo abathenga amaCondo Anganikezwa Iwaranti.

Isiphetho

Ukuzulazula endaweni ye-mortgage ye-Non-Warrantable Condos kungaba yinkimbinkimbi, kodwa ukuqonda izinketho ezitholakalayo kungenza inqubo ibe bushelelezi. Imalimboleko Engaguquki Yeminyaka engama-30 engeyona ye-Ejensi inikeza isisombululo esisebenzayo sokuxhasa lezi zakhiwo eziyingqayizivele, ehlinzeka ngokuguquguquka nokuzinza. Ngokukhetha lolu hlobo lwemali mboleko, abangaba abathengi bangakwazi ukuvikela ikhaya lamaphupho abo ngaphandle kokuvinjelwa imikhawulo yezimali ezivamile.

Kafushane, uma ucabanga ukuthenga I-Condo Enganikezwa Isiqinisekiso, ukuhlola imalimboleko engaguquki yeminyaka engu-30 engeyona ye-ejensi kungaba ukhiye wokuvula imigomo yakho yobuninikhaya.