12/05/2023

Ukuvula Ubunikazi Bekhaya Ngaphandle Kwenkinga Yokukhokha Phansi

Iphupho lobunikazi bezindlu ngokuvamile liza nenselele yokonga ukuze uthole inkokhelo ephansi, kodwa kuthiwani uma bekukhona indlela yokudlula lesi singqinamba?Ngena emhlabeni "wezindlu ezibolekwayo ezingekho phansi," indlela yezezimali eyenza ubunikazi bezindlu bufinyeleleke kalula.Kulo mhlahlandlela, sizocubungula isimo sezindlu ezibolekiwe ezingakhokhisi futhi sigqamise abanye bababolekisi abangcono kakhulu abanikeza lezi zixazululo ezintsha.

Ukuqonda Imali Ebolekiwe Engakhokhi Phansi

Izindlu ezibolekiwe zendabuko ngokuvamile zidinga inkokhelo ephansi, ngokuvamile okwenza kube inselele kubantu noma imindeni ukungena emakethe yezindlu.Izindlu ezibolekiwe ezingakhokhisi, nokho, zinciphisa lo mthwalo ngokuvumela ababolekayo ukuthi bathole imali mboleko yendlu ngaphandle kwesidingo senkokhelo enkulu kusengaphambili.Le ndlela ivula iminyango yezinhlobonhlobo eziningi zabanikazi bezindlu abasafufusa, okuhlanganisa abathengi bokuqala nalabo abanokonga okulinganiselwe.

Izimpawu Ezisemqoka Zemali Ebolekiwe Engakhokhi Phansi

1. 100% Izinketho Zokuthola Imali:
   • Uhlolojikelele: Izindlu ezibolekiwe ezingekho phansi zinikeza ababoleki ithuba lokuxhasa ngezimali zonke izindleko zokuthenga kwabo ikhaya, okuqeda isidingo senkokhelo ephansi.
   • Umthelela: Lesi sici sizuzisa kakhulu labo abangase bangabi nakho ukonga okukhulu kodwa abasafisa ukuqalisa uhambo lokuba ngabaninikhaya.
2. Imibandela Yokufaneleka Eguqukayo:
   • Uhlolojikelele: Ababolekisi abahlinzeka ngezindlu ezibolekiwe ezingakhokhelwa ngokuvamile basebenzisa indlela yokufaneleka evumelana nezimo, becabangela izici ezingaphezu kwezikolo ezivamile zezikweletu namandla okukhokha kancane.
   • Umthelela: Ababoleki abanezizinda ezihlukene zezimali, okuhlanganisa nalabo abanomlando wesikweletu olinganiselwe, bangahlola ubunikazi bezindlu kalula kakhudlwana.
3. Izinhlelo Ezisekelwa Uhulumeni:
   • Uhlolojikelele: Abanye bababolekisi abangcono kakhulu bezindlu ezibolekiwe ezingakhokhisi babamba iqhaza ezinhlelweni ezisekelwa uhulumeni, njengemalimboleko ye-USDA, imali mboleko ye-VA, kanye nezimali mboleko ze-FHA.
   • Umthelela: Lezi zinhlelo zelula izinzuzo ezengeziwe, njengezinga lenzalo eliphansi kanye nezidingo zekhredithi ezithambile, ezithuthukisa ukufinyeleleka kwababolekayo.

Ababolekisi Abangcono Kakhulu Bemali Ebolekiwe Engakhokhi Phansi

1. I-Quicken Loans:
   • Amandla: I-Quicken Loans idume ngenqubo yokufaka isicelo se-mortgage ku-inthanethi futhi inikeza izinhlelo ezihlukahlukene, ezihlanganisa i-FHA ne-VA mboleko, enezidingo eziphansi noma ezingekho phansi zokukhokha.
   • Ukucatshangelwa: Ababoleki bayakwazisa ukusebenzisana kahle komsebenzisi kanye nezinsiza zemfundo eziningi ezihlinzekwa yi-Quicken Loans.
2. Wells Fargo:
   • Amandla: U-Wells Fargo ungumdlali omkhulu emakethe yezindlu ezibolekwayo futhi uhlinzeka ngezinketho ezifana nokubolekwa kwe-VA ne-FHA, ebhekelela ababolekayo abafuna izixazululo zokungakhokhi.
   • Ukucatshangelwa: Inethiwekhi yegatsha ebanzi ka-Wells Fargo yenza ababoleki bakwazi ukufinyelela ukusekelwa komuntu siqu kanye nesiqondiso kuyo yonke inqubo ye-mortgage.
3. I-USDA Rural Development loans:
   • Amandla: I-USDA ihlinzeka ngezindlu ezibolekwayo ezingakhokhi phansi ngohlelo lwayo Lokuthuthukiswa Kwezindawo Zasemakhaya, egxile ezindaweni ezifanele zasemakhaya nasezindaweni zasemadolobheni.
   • Ukucatshangelwa: Ababoleki kufanele bahlole imibandela ethile yokufaneleka kanye nemikhawulo yendawo ehlotshaniswa nemali mboleko ye-USDA.
4. I-Navy Federal Credit Union:
   • Amandla: I-Navy Federal igxile ekukhonzeni amalungu ezempi kanye nemindeni yawo, enikeza izikweletu ze-VA ezingenazo izidingo zokukhokha phansi.
   • Ukucatshangelwa: Kusebenza izindlela zobulungu, futhi ababoleki kufanele bahlole uhlu olubanzi lwezinsizakalo zezezimali ezihlinzekwa yiNavy Federal.

Izinzuzo Nokucatshangelwa Kwababoleki

1. Ukungena Ngokushesha Kubunikazi Bekhaya:
   • Inzuzo: Izindlu ezibolekwayo ezingekho phansi zinikeza indlela esheshayo yokuthi abantu ngabanye noma imindeni ingene ekubeni ngabanikazi bezindlu ngaphandle kokubambezeleka kokulondoloza inkokhelo ephansi.
   • Ukucatshangelwa: Ababoleki kufanele baqaphele imithelela yezezimali yesikhathi eside futhi baqinisekise ukuthi izinkokhelo zenyanga ezibolekayo zihambisana nesabelomali sabo.
2. Izinketho Zokuthola Imali Ezihlukahlukene:
   • Inzuzo: Izinhlobonhlobo zezinhlelo zemalimboleko ezisekelwa uhulumeni nezivamile zinikeza ababolekayo ukuguquguquka ekukhetheni okubafanelekela izimo zabo ezihlukile.
   • Ukucatshangelwa: Ukuqonda imigomo ethile, izilinganiso zenzalo, kanye nemibandela yokufaneleka yohlelo ngalunye kubalulekile ekuthathweni kwezinqumo unolwazi.
3. Ukonga Izindleko Okungenzeka:
   • Inzuzo: Izindlu ezibolekiwe ezingekho phansi zingase zibangele ukongiwa kwezindleko ezibalulekile ekuqaleni, okuvumela ababolekayo ukuthi babele imali kwezinye izindleko ezihlobene nobunikazi bezindlu.
   • Ukucatshangelwa: Ababoleki kufanele bahlole imithelela yezindleko zesikhathi eside, okuhlanganisa izilinganiso zenzalo kanye nezimfuneko zomshwalense wezindlu ezingase zibe khona.

Ukucatshangelwa Kwababoleki

1. Ukuhlola Ukulungela Kwezezimali:
   • Okunconyiwe: Ngaphambi kokukhetha imali yendlu ebolekwayo engakhokhi, ababoleki kufanele bahlole kahle ukuthi bakulungele yini ukukhokhela izimali zabo, becabangela izici ezifana neholo elizinzile, umlando wesikweletu, kanye nezindleko zesikhathi esizayo.
2. Ucwaningo Nokuqhathanisa:
   • Okutuswayo: Ukucwaninga nokuqhathanisa okunikezwayo ngababolekisi abahlukene, okuhlanganisa amanani enzalo, izinkokhelo, nokubuyekezwa kwamakhasimende, kubalulekile ekuhlonzeni okulingana kahle kakhulu nezidingo zomuntu ngamunye.
3. Ukuqonda Izidingo Zohlelo:
   • Okunconyiwe: Ababoleki kufanele bazijwayeze nezidingo ezithile zohlelo olukhethiwe, noma ngabe yimalimboleko ye-VA, FHA, noma i-USDA, ukuze baqinisekise ukuthi bahlangabezana nazo zonke izimo zokufaneleka.

Ukuzulazula kunqubo yohlelo lokusebenza

1. Inqubo Yokugunyaza Ngaphambili:
   • Isiqondiso: Ukuthola imvume yangaphambili kubabolekisi kuyisinyathelo sokuqala esibalulekile.Inikeza ababoleki ukuqonda okucacile kwesabelomali sabo futhi iqinisa isikhundla sabo ezingxoxweni.
2. Ukubonisana Nezisebenzi Zokubolekwa Kwezindlu:
   • Isiqondiso: Ukusebenzelana nezingcweti zezindlu ezibolekwayo, ikakhulukazi labo abanolwazi lwezindlu ezibolekiwe ezingakhokheli phansi, kunganikeza imininingwane ebalulekile nesiqondiso kuyo yonke inqubo yesicelo.
3. Ukuxhumana Okucacile Nababolekisi:
   • Isiqondiso: Ukugcina ukuxhumana okuvulekile nababolekisi kubalulekile.Ababolekayo kufanele bafune ukucaciselwa nganoma yiziphi izici zemigomo yezindlu ezibolekayo noma inqubo yesicelo okungenzeka ingacacile.

Isiphetho: Ukuvula Iminyango Eya Kubanikazi Bekhaya

Izindlu ezibolekiwe ezingakhokheli phansi zimelela indlela yokuguqula ubunikazi bezindlu, okwenza iphupho lokuba nendawo yokubiza ikhaya lifezeke kubantu abaningi kanye nemindeni.Njengoba ababolekisi behlola ababolekisi abangcono kakhulu abanikeza lezi zixazululo ezintsha, ucwaningo olunzulu, ukuxhumana okucacile, kanye nendlela yamasu yokuhlela imali kuba yizici ezibalulekile ekuzulazuleni kulolu hambo olujabulisayo olubheke ekubeni umninikhaya ngaphandle kwenkinga yokukhokha kancane.

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.