Kwabaningi abazoba abathengi bezindlu, ukuthola imali ebolekiwe kuyisinyathelo esibalulekile esibheke ekubeni umninikhaya.Izimali mboleko ze-Federal Housing Administration (FHA) kanye Nomnyango Wezindaba Zomakadebona (VA) ziyizinketho ezidumile zalabo abafanelekayo, ezinikeza izinzuzo ezifana nezinkokhelo eziphansi kanye nezidingo zekhredithi ezifinyeleleka kalula.Lapho uhlola lezi zinhlelo ze-mortgage ezisekelwa uhulumeni, kubalulekile ukuthola umbolekisi ofanele.Ababolekisi abagunyaziwe be-FHA/VA badlala indima ebalulekile ekusizeni lezi zimalimboleko, futhi lo mhlahlandlela uzokusiza uqonde ukubaluleka kwazo nokuthi ungayikhetha kanjani efanele izidingo zakho.

Yiziphi Izimalimboleko ze-FHA kanye ne-VA?

Imalimboleko ye-FHA

Imali mboleko ye-FHA ifakwe umshwalense yi-Federal Housing Administration, igatsha loMnyango Wezezindlu Nokuthuthukiswa Kwezindawo zase-US (HUD).Zenzelwe ukusiza abaqalayo ukuthenga izindlu kanye nabantu ngabanye abanezikolo eziphansi zezikweletu noma izinsiza zokukhokha ezilinganiselwe.Izimali mboleko ze-FHA zinikeza izilinganiso zenzalo ezincintisanayo futhi zidinga inkokhelo ephansi uma iqhathaniswa nemali mboleko evamile.

VA Imalimboleko

Izimali mboleko ze-VA ziqinisekiswa uMnyango Wezindaba Zomakadebona wase-US futhi zitholakala ngokukhethekile komakadebona abafanelekayo, amalungu esevisi asebenzayo, namalungu athile Onogada Kazwelonke Nezindawo Ezibekiwe.Izimali mboleko ze-VA zaziwa ngemfuneko yazo yokungakhokhi kanye nezinga lenzalo eliqhudelanayo.Ziyinzuzo enkulu kulabo abake basebenza empini.

Iqhaza lababolekisi be-FHA/VA Abagunyazwe I-Wholesale

Ababolekisi abagunyaziwe be-FHA/VA yizikhungo zezimali ezigunyazwe ukuhlinzeka ngemali mboleko ye-FHA ne-VA.Basebenza njengabalamuli phakathi kwababoleki nalezi zikhungo zikahulumeni, bahlinzeka ngezinzuzo eziningi:

• Ubuchwepheshe: Laba babolekisi basebenza ngokukhethekile emalimboleko ye-FHA ne-VA, banolwazi olujulile lwezidingo nemihlahlandlela.
• Izinqubo Ezilula: Ababolekisi abagunyaziwe be-FHA/VA bazi kahle ngezinqubo zokufaka izicelo kanye nezinqubo zokugunyaza zalezi zimali mboleko, okwenza kube lula kubaboleki ukuthi bazulazule.
• Amanani Ancintisanayo: Ababolekisi bezitolo ezinkulu bavame ukunikeza amanani enzalo aqhudelanayo nemibandela, banikeze ababoleki izinketho ezivumayo zezimali.
• Imikhiqizo Ehlukahlukene Yemali Ebolekiwe: Laba babolekisi bangase banikeze uhla lwemikhiqizo yemalimboleko ye-FHA ne-VA, okuvumela ababoleki ukuthi bakhethe leyo evumelana kangcono nezidingo zabo.

Ungayikhetha Kanjani I-FHA/VA Egunyazwe I-Wholesale Ebolekisayo

Ukukhetha umbolekisi ofanele kubalulekile lapho ufuna imalimboleko ye-FHA noma i-VA.Nazi izinyathelo okufanele uzicabangele:

1. Cwaninga bese uqhathanisa

Ucwaningo lwe-FHA/VA lugunyaze ababolekisi bezitolo ezinkulu endaweni yangakini.Qhathanisa imikhiqizo yabo yemalimboleko, amanani enzalo, nezinkokhelo.

2. Hlola Ukuvunyelwa

Qinisekisa ukuthi umbolekisi ugunyaziwe ngempela yi-FHA/VA, njengoba lokhu kuqinisekisa ukuthi uhlangabezana nezindinganiso zikahulumeni futhi angakwazi ukwenza lezi zimali mboleko.

3. Ukubonisana Ngochwepheshe

Cabangela ukufuna iseluleko kochwepheshe bezindlu ezibolekiwe abazi kahle ngokuboleka kwe-FHA ne-VA.Bangakuqondisa kubabolekisi abanegama eliqinile nobungcweti kulezi zinhlelo.

4. Ukubuyekezwa Kwekhasimende

Ukufunda izibuyekezo zekhasimende nokufuna izincomo kunganikeza imininingwane ngesithunzi somboleki kanye nesevisi yamakhasimende.

5. Ukungafihli

Khetha umbolekisi obeka obala mayelana nezinkokhelo zakhe futhi ozimisele ukuchaza imigomo nemibandela yemali mboleko ye-FHA noma i-VA oyicabangayo.

Isiphetho

Ababolekisi abagunyaziwe be-FHA/VA bangozakwethu ababalulekile kulabo abafuna uxhaso lwezimali lwasekhaya olusekelwa uhulumeni.Laba babolekisi banikeza ubuchwepheshe, izinqubo ezilula, kanye nemikhiqizo ebolekiwe ehlukahlukene ehlangabezana nezidingo ezithile zababoleki be-FHA ne-VA.Lapho ukhetha umbolekisi, ucwaningo olunzulu, iseluleko sochwepheshe, kanye nokubeka izinto obala kubalulekile.Ngomboleki we-wholesale ovunyelwe we-FHA/VA, ungaqala uhambo lwakho lobunikazi bendlu ngokuzethemba, wazi ukuthi unozakwethu wezezimali omethembayo eceleni kwakho.

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.