11/30/2023

Uma kuziwa ekuxhaseni ngezimali ikhaya, izinketho zendabuko zokubolekwa kwezindlu akuyona ukuphela kwendlela yokuba umninikhaya.Izimalimboleko zezindlu ezingajwayelekile zinikeza eminye imizila yabantu abangase bangafaneleki noma bakhethe ezinye izindlela kunezindlu ezibolekiwe ezijwayelekile.Kulo mhlahlandlela obanzi, sizocubungula indaba yemali mboleko yezindlu engajwayelekile, sihlole izinketho ezitholakalayo futhi sinikeze imininingwane yokuthi ingabe zifaneleka yini izimo zakho ezihlukile.

Ukuqonda Imalimboleko Yezindlu Engajwayelekile

Incazelo

Imali mboleko yezindlu engajwayelekile ihlanganisa izinhlobonhlobo zemikhiqizo yempahla ebolekiwe engeyona eyendabuko ephambuka esilinganisweni esimisiwe sesilinganiso esimisiwe noma izikweletu ezilungisekayo ezinikezwa ababolekisi bendabuko.Lezi zimali mboleko zenzelwe ukukhokhela abantu abanezimo zezimali ezihlukile, imilando yezikweletu, noma izinhlobo zezakhiwo ezingajwayelekile.

Izinhlobo Zemalimboleko Yezindlu Ezingejwayelekile

1. Izikweletu Zemali Enzalo Kuphela:
   • Incazelo: Ababoleki bakhokha inzalo kuphela emalini ebolekiwe isikhathi esithile, ngokuvamile iminyaka yokuqala yemali mboleko.
   • Ukufaneleka: Kulungele labo abafuna izinkokhelo eziphansi zokuqala zanyanga zonke futhi bahlela ukuthengisa noma ukubuyisela kabusha ngaphambi kokuthi kuqale isikhathi sokukhokha esiyinhloko.
2. I-FHA 203(k) Imalimboleko:
   • Incazelo: Imalimboleko ye-Federal Housing Administration (FHA) ehlanganisa izimali zokuthuthukisa ikhaya noma ukulungisa.
   • Ukufaneleka: Ifanele abathenga izindlu abafuna ukuthenga isilungisi esiphezulu futhi baxhase ngezimali izindleko zokulungiswa kwempahla ebolekiwe.
3. Imalimboleko ye-USDA:
   • Incazelo: Isekelwa uMnyango Wezolimo wase-US, lezi zimali mboleko zihlose ukukhuthaza ubunikazi bezindlu zasemakhaya.
   • Ukufaneleka: Ifanele abantu abathenga amakhaya ezindaweni zasemakhaya ezifanelekile ezineholo eliphakathi nendawo ukuya kwelincane.
4. Izikweletu zeBridge:
   • Incazelo: Imali mboleko yesikhashana evala igebe phakathi kokuthengwa kwendlu entsha nokudayiswa kwaleyo yamanje.
   • Ukufaneleka: Kuwusizo kulabo abasezinkathini zezinguquko, njengokuthengisa ikhaya elilodwa nokuthenga elinye.
5. Izimalimboleko Zezindlu Ezingafanelekile (Non-QM):
   • Incazelo: Izimali mboleko ezingahlangabezani nenqubo ye-Qualified Mortgage (QM), evame ukuboshelwa izimo ezingajwayelekile.
   • Ukufaneleka: Ifanele labo abanemithombo yemali engenayo engeyona eyendabuko noma izimo zezimali ezihlukile.

Ubuhle Nebubi Bemalimboleko Yezindlu Engajwayelekile

Izinzuzo

1. Ukuvumelana nezimo:
   • Inzuzo: Izimalimboleko zezindlu ezingajwayelekile zinikeza ukuguquguquka ngokwemibandela yokufaneleka, okwenza ubunikazi bezindlu bufinyeleleke kuhlu olubanzi lwabantu ngabanye.
2. Izixazululo Ezihlanganisiwe:
   • Inzuzo: Lezi zimali mboleko zingenziwa ngendlela efanele ukuze zivumelane nezidingo ezithile, njengokuxhasa ngezimali ukulungiswa, ukuthenga izindawo zasemaphandleni, noma ukukhokhela imali engenayo engeyona eyendabuko.

Ububi

1. Izindleko Eziphakeme:
   • Ububi: Ezinye izimali mboleko ezingajwayelekile zingase zize namazinga enzalo aphezulu noma izinkokhelo, okuholela ekwenyukeni kwezindleko zokuboleka zizonke.
2. Izingozi:
   • Ububi: Ngokuya ohlotsheni lwemalimboleko engajwayelekile, kungase kube khona ubungozi obuphezulu obuhlobene, njengokulungiswa kwezinga lenzalo okungaba khona noma imibandela ethile yokufaneleka.

Ingabe Imali Ebolekiwe Yendlu Engajwayelekile Ikulungele?

Ukucatshangelwa

1. Isimo Sezezimali:
   • Ukuhlola: Hlola isimo sakho sezezimali, okuhlanganisa imali engenayo, umlando wesikweletu, kanye nemigomo yezezimali yesikhathi eside.
2. Uhlobo Lwesakhiwo:
   • Ukuhlola: Cabangela uhlobo lwesakhiwo ohlose ukusithenga, njengoba imalimboleko ethile engajwayelekile ingase ifaneleke kangcono izinhlobo ezithile zezakhiwo.
3. Ukubekezelela Ubungozi:
   • Ukuhlola: Hlola ukubekezelela kwakho ubungozi kanye nokuthi ukhululekile yini nganoma yikuphi ukuguquguquka okungaba khona kumazinga enzalo noma izindleko ezihlobene.
4. Ukubonisana:
   • Okutuswayo: Xhumana nochwepheshe wezezindlu ezibolekwayo ukuze uhlole izinhlobo eziningi zezinketho zemalimboleko ezingajwayelekile futhi uthole izeluleko eziqondene nawe ngokusekelwe esimweni sakho.

Isiphetho

Ukubolekwa kwezindlu okungajwayelekile kuvula iminyango yokuba umninikhaya kulabo izimo zabo ezingase zingahambelani nezidingo zendabuko zezindlu.Nakuba lezi zimali ezibolekiwe zinikeza ukuguquguquka nezisombululo eziklanyelwe, kubalulekile ukucabangela ngokucophelela ubuhle nobubi, ucabangela isimo sakho sezezimali, uhlobo lwempahla, nokubekezelela ubungozi.Ukubonisana nochwepheshe wezezindlu ezibolekwayo kungakunikeza imininingwane ebalulekile futhi kukusize unqume ukuthi imalimboleko yendlu engajwayelekile iyindlela elungile yokufeza imigomo yakho yobuninikhaya.Khumbula, ukhiye uwukuthola imali ebolekiwe ehambisana nezidingo zakho ezihlukile futhi ikubeke endleleni eya ekubeni umninikhaya ophumelelayo.

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.