Imali Ebolekiwe Yomphakathi: Akukho Imikhawulo Yemali Engenayo, Akukho Ukulungiswa kwe-LLPA, kanye Nezinzuzo Zomthengi Wokuqala.

Kubathengi abafuna ukuthenga izindlu zaboOkuyinhlokoIndawo yokuhlala Kuphela, Imalimboleko Yomphakathi inikeza isisombululo esicacile nesithengekayo. Ngaphandle kokulungiswa kwe-LLPA yokuthenga, akukho mikhawulo yemali engenayo njengezinye izinhlelo zabasizi, kanye nenketho yokwamukela abantu abaqalayo ukuthenga izindlu, lolu hlelo ludala izindlela ezintsha zokuba umninikhaya. Okuhle kunakho konke, ihambisana kalula nemihlahlandlela ye-ejensi, iqinisekisa inqubo ebushelelezi, ethobelayo.

Kungani KhethaIzikweletu Zomphakathi?

1. Indawo yokuhlala Eyisisekelo Kuphela

Lezi zimali mboleko zenzelwe amakhaya ohlela ukuhlala kuwo, okuqinisekisa ukuthi abathengi banesixazululo sezindlu esizinzile nesivikelekile.

2. Azikho izinguquko ze-LLPA zokuthenga

Inzuzo enkulu yalolu hlelo ukungabikho kokulungiswa kwentengo yeleveli yemalimboleko (LLPA) ukuze ithengwe. Abathengi bangakwazi ukuvikela imalimboleko yabo ngaphandle kokubhekana nezinkokhelo ezengeziwe noma izindleko eziphakeme ngokuvamile ezihlotshaniswa namanani e-LLPA.

3. Ayikho Imikhawulo Yemali Engenayo Njengezinye Izinhlelo Zomsizi

Ngokungafani nezinhlelo eziningi zokubolekwa kwezindlu ezibeka isamba semali engenayo, Izikweletu Zomphakathi azinikezi imingcele yemali engenayo. Lokhu kuvula umnyango webanga elibanzi labathengi, kungakhathaliseki izinga lemali engenayo, okwenza ubunikazi bezindlu bufinyeleleke kalula.

4. Abathengi Basekhaya Okokuqala Bamukelekile

Uma uthenga ikhaya lakho lokuqala, lolu hlelo lwenza kube lula inqubo yokufaneleka, lunikeze indlela ecacile yokuba umninikhaya ngaphandle kwezithiyo ezingadingekile.

5. Landela Izinkombandlela Zomenzeli

Izikweletu Zomphakathi zinamathela ngokuqinile kumazinga ka-Fannie Mae kanye noFreddie Mac, okuhlanganisa:

- Okutholakele kwe-DU/LPA kokubhala ngaphansi.

- Izidingo zokulinganisa ezijwayelekile.

- Amadokhumenti emali engenayo nempahla ngokwemihlahlandlela ye-ejensi.

Lokhu kuqinisekisa ukubeka izinto obala, ukwethembeka, nokuhambisana kuyo yonke inqubo yemalimboleko.

Amaphuzu avelele ohlelo

- Izakhiwo Ezifanelekile: Iyunithi engu-1, ama-PUD, kanye namakhaya amayunithi angama-2-4. Izakhiwo ezingabaliwe zifaka ama-condo, amakhaya akhiqiziwe, nomhlaba wezolimo.

- Izinketho Zemalimboleko: Izinketho zezilinganiso ezigxilile zitholakala ngemibandela yeminyaka engama-30 kanye neminyaka eyi-15, okuhlanganisa nemali mboleko enebhalansi ephezulu.

- Izidingo ze-FICO Score: Kudingeka amaphuzu amancane angama-620, kuncike kokutholwe yi-AUS (I-Automated Underwriting System).

Ilungele Abathengi Basekhaya Okuqala

Kulabo abaqalayo ukuthenga izindlu, uhlelo lwemalimboleko yomphakathi luyisinqumo esihle kakhulu. Ukungabikho kwemikhawulo yemali engenayo kanye nokulungiswa kwe-LLPA yokuthenga kuqinisekisa ukufinyeleleka, kuyilapho izinqubo ezihambisana ne-ejensi zenza ukufaneleka kube lula futhi kuqonde kakhudlwana. Noma ngabe usuka ekuqasheni noma ekuthengeni indawo yakho yokuqala, lolu hlelo luklanyelwe ukuhlangabezana nezidingo zakho.

Isiphetho

Uhlelo Lokubolekwa Komphakathi luchaza kabusha ukufinyeleleka nokufinyeleleka kwabathengi abafuna ukuthenga Indawo yabo Yokuhlala Eyisisekelo Kuphela. Ngezinzuzo ezifana nokungabikho kokulungiswa kwe-LLPA ukuze kuthengwe, ayikho imikhawulo yemali engenayo njengezinye izinhlelo zomsizi, nokufaneleka okukhethekile kwabathenga umuzi okokuqala ngqa, kususa imigoqo evamise ukwenza ubunikazi bendlu buzizwe bungenakufinyeleleka.

Uma usukulungele ukuthatha isinyathelo esilandelayo sokuba nomuzi, Izikweletu Zomphakathi zinikeza isixazululo esinokwethenjelwa, esivumelana ne-ejensi esiklanyelwe ukufeza izidingo zakho.