Izindaba Zemboni
Ukuhlola Izimalimboleko ze-ejensi kanye Nemalimboleko Evumelanayo emakethe ye-Mortgage yase-US
Lapho ungena emakethe ye-mortgage yase-US, ukuqonda umehluko phakathiImalimboleko yomenzelis kanye nemalimboleko evumelanayo ingaba nomthelela omkhulu ezinqumweni zomninikhaya ongase abe khona. Le migomo ibalulekile ekuzulazuleni izinketho ze-mortgage nokukhetha enye indlela yokuxhasa ngezimali yokuthenga kwakho ikhaya.
Izimali mboleko ze-ejensi zibhekisa kuma-mortgages asekelwa amabhizinisi axhaswe nguhulumeni (GSEs) njengeUFannie Maekanye noFreddie Mac. Lezi zinhlangano azibolekisi ngemali ngokuqondile kodwa kunalokho zithenga futhi ziqinisekise imali ebolekiwe kubabolekisi, ezinikeza ukuzinza kanye nenani lemali emakethe yezindlu. U-Fannie Mae noFreddie Mac badlala indima ebalulekile ekumiseni izindinganiso zalokho okuhlanganisa imalimboleko evumelanayo.
Imali mboleko evumelanayo wuhlobo lwemali mboleko ehlangabezana neziqondiso ezibekwe yilawa ma-GSE. Ngokukhethekile, lezi zimali mboleko kufanele zihambisane nemibandela ethile mayelana nosayizi wemalimboleko, ukufaneleka komboleki, kanye nezimfuneko zamadokhumenti. Izimali mboleko ezivumelanayo ngokuvamile zinikeza amanani enzalo aphansi kunemalimboleko engavumelani futhi ngokuvamile abhekwa njengengozi encane ngababolekisi nabatshalizimali ngenxa yokusekelwa okunikezwa u-Fannie Mae noFreddie Mac.
Inzuzo eyinhloko yemali mboleko ye-ejensi, ikakhulukazi imalimboleko evumelanayo, yikhono lokufinyelela kumazinga enzalo aqhudelanayo kanye nemibandela evumayo. Kubathengi abaningi, lokhu kwenza ukuboleka kwe-ejensi kube yinketho ekhangayo, ikakhulukazi uma uthenga ikhaya ngaphakathi kwemikhawulo yemikhawulo evumelanayo yemalimboleko ebekwa minyaka yonke yilawa ma-ejensi. Le mikhawulo iyahlukahluka ngendawo futhi ilungiswa ukuze ibonise izinguquko ezintengo ezimaphakathi zekhaya.
Uma ucabangela ukuthi imali mboleko ye-ejensi noma imalimboleko evumelanayo ikulungele yini, kubalulekile ukuhlola isimo sakho sezezimali kanye nemigomo yesikhathi eside. Ukuzinza okunikezwa yimalimboleko evumelanayo kungaba inzuzo, ikakhulukazi kubathengi abanamaphrofayela aqinile esikweletu abangahlangabezana nezimfuneko ezibekwe u-Fannie Mae noFreddie Mac. Ngaphezu kwalokho, ababoleki abakhetha ukuvumelanisa imali mboleko bavame ukuhlomula ezinqubweni zokugunyaza ezisheshayo, uma kubhekwa imibandela emisiwe.
Kodwa-ke, uma ikhaya lakho olifunayo lidlula umkhawulo wemalimboleko ovumelanayo endaweni yakini, i-jumbo loan, okuwuhlobo lwemali mboleko engavumelani, ingase idingeke. Imali mboleko ye-Jumbo ngokuvamile iza namazinga enzalo aphezulu kanye nezidingo eziqinile zemfundo. Ngakho-ke, ukuqonda umehluko phakathi kwezimali mboleko ezivumelanayo nezingavumelani kubalulekile ekwenzeni izinqumo ezinolwazi.
Sengiphetha, izikweletu ze-ejensi kanye nezimalimboleko ezivumelanayo zisebenza indima ebalulekile emakethe yezindlu zase-US, okuhlinzeka ngezindlela kubanikazi bezindlu ukuze bathole imali efinyelelekayo. Ngokuqonda ubunkimbinkimbi bemali mboleko ye-ejensi kanye nezikweletu ezivumelanayo, abanikazi bezindlu abazoba ngabanikazi bangakwazi ukuzulazula endaweni ye-mortgage ngempumelelo, baqondanise ukukhetha kwabo nezidingo zabo zezezimali kanye nezinjongo zesikhathi eside. Lezi zimali mboleko ziklanyelwe ukunikeza ukuzinza nokufinyeleleka, okuzenza zibe yisisekelo sephupho laseMelika lobunikazi bezindlu.
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.