Imalimboleko Yezitatimende Zebhange: Indlela Eguquguqukayo Yokuthola Imali Yempumelelo Yokuziqasha

Okwakhoqashiweababolekayo, inqubo yendabuko yokubolekwa kwempahla ingazizwa inemingcele, ngokuvamile efuna imbuyiselo yentela engabonisi iholo labo langempela. Ngenhlanhla, Imalimboleko Yesitatimende Sebhange inikeza indlela entsha, eklanyelwe ngqo ababoleki abazisebenzelayo abafuna ukweqa lezo zingqinamba. Ngaphandle kokubuyiselwa kwentela okudingekayo, le mali ebolekiwe incike ezitatimendeni zasebhange ukuze ifakazele umholo wakho, okuyenza ibe inketho evelele kubanikazi bamabhizinisi nabazimele ngokufanayo. Imalimboleko Yesitatimende Sebhange iphendula iqiniso lakho lezezimali libe yithuba lokuboleka imali.

Ngokungafani nemalimboleko evamile, Imalimboleko Yesitatimende Sebhange isebenzisa izitatimende zasebhange zezinyanga ezingu-12—ezomuntu siqu noma zebhizinisi—ukubala iholo lakho. Le ndlela yedokhumenti egcwele yeqa ngokuphelele ukubuyisela intela, okuyimpumuzo kubaboleki abazisebenzelayo okubanjwa kwabo kungase kwehlise izinzuzo zabo ezibikiwe. Ukuthi uyathumela1099amafomu njengosonkontileka noma oqhuba ibhizinisi elincane, Imali Ebolekiwe Yesitatimende Sasebhange igxila emalini yakho engenayo, hhayi nje amaphepha akho entela. Kuyisixazululo esisebenzayo, esigcwele se-doc esifanelana nezidingo zababoleka abazisebenzelayo.

Okwenza izikweletu Zesitatimende Sasebhange zihluke ukuzwela kwazo ngezilinganiso zezikweletu nemali engenayo. Izimali ezibolekwayo zendabuko zivame ukubenqaba abafake izicelo lapho i-DTI yabo ifinyelela ku-50%, kodwa Imalimboleko Yesitatimende Sebhange yamukela i-DTI engaphezu kwama-50%. Lokhu kuvumelana nezimo kuyindlela yokuphila yababoleki abazisebenzelayo abaxoxisana nokutshalwa kwezimali kwebhizinisi kanye nezimali zomuntu siqu, okufakazela ukuthi i-DTI ephezulu akusho ukuthi awukwazi ukuphatha imalimboleko. Njengoba i-DTI ingaphezu kuka-50% yamukelwe, lo mkhiqizo uvumelana nesimo sakho esiyingqayizivele.

Izinzuzo azigcini lapho. Imalimboleko Yesitatimende Sebhange isukela ku-$150,000 iye ku-$3.5 wezigidi kanye nokusekelwa kokuthenga, ukuphuma kwemali, noma ukuxhaswa ngezimali kwezindlu eziyinhloko, izindawo zeholide, noma ukuqashwa—ngisho nama-condo anganikezwa iwaranti. Uzodinga amaphuzu esikweletu angu-660, futhi izinketho zihlanganisa isilinganiso esimisiwe seminyaka engu-30 noma uhlelo Lwenzalo Kuphela. Ababolekayo abazisebenzelayo bangavala ngaphansi kwebhizinisi, futhi akukho kubuyiselwa kwentela okudingekayo okugcina inqubo ihamba kahle.

Ngisho noma uke wabhekana nezingqinamba ezinjengokuqothuka noma ukudayiswa okufushane, Imalimboleko Yesitatimende Sebhange iyinketho ngemva kweminyaka emithathu. Umzila we-1099 usebenza kubasebenzi abazimele, unweba futhi ukufinyelela. Ngokubeka phambili izitatimende zasebhange kanye nokwamukela i-DTI engaphezu kuka-50%, Imalimboleko Yezitatimende Zebhange inika amandla ababolekayo abazisebenzelayo ukuze bathole uxhaso lwezimali olubonisa impumelelo yabo yomhlaba wangempela. Uma usukulungele ukuqhubekela phambili ngaphandle kobunzima bokubuyisela intela, lesi kungaba yisixazululo sakho esikahle.