08/14/2023

I. Ukonga Imali Kumalimboleko Yakho Yokuqala Yendlu
Kubaboleki abaholayo, ukuthola imali mboleko yezindlu okokuqala kuyisinqumo esikhulu sezezimali.

Igama elithi “umthengi wokuqala ngqa” ngokuvamile libhekisela kumuntu othenga indawo okokuqala ngqa, noma ongazange abe nomnikazi wanoma iyiphi indawo kule minyaka emithathu edlule.Ukuthi ungumthengi wokuqala wezindlu kuncike kakhulu emlandweni wakho wobunikazi bendawo.Nazi ezinye izindlela ongazisebenzisa ukuze unqume isimo sakho:

- Awukaze ube nomnikazi wanoma iyiphi indawo: Uma ungakaze uthenge indawo ngaphambilini, uthathwa njengomthengi wokuqala ngqa.
- Awuzange ube nomnikazi wendawo eminyakeni emithathu edlule: Ngisho noma ubukade ungumnikazi wendawo ngaphambili, uma sekudlule iminyaka emithathu wathengisa leyo ndawo, ungase futhi uthathwe njengomthengi wokuqala ngqa.
- Ubunendawo kuphela nowakwakho esikhathini esidlule: Uma benishadile futhi ninendawo nowakwakho, kodwa manje anishadile futhi awunayo indawo uwedwa, ungase uthathwe njengomuntu oqalayo ukuthenga umuzi.

Amasu asebenzayo alandelayo angakusiza, njengomboleki oholayo, wonge imali:
Khetha uhlobo olufanele lwemali mboleko: Izimali mboleko ezisekelwa uhulumeni, njengalezo ezivela ku-Federal Housing Administration (FHA) kanye ne-Veterans Affairs (VA), ngokuvamile zinezilinganiso zenzalo eziphansi kanye nezimfuneko zokukhokha kancane.Ukwengeza, i-AAA LENDINGS inomkhiqizo oklanyelwe ngokukhethekile abasebenzi abathenga amakhaya - i-WVOE.
Udinga kuphela ifomu le-WVOE ukuze ubale imali engenayo efanelekile, ngaphandle kwesidingo sanoma yimiphi eminye imibhalo yemali engenayo.Lokhu kulula kwenza i-WVOE ikhange kakhulu.Ngaphezu kwalokho, ngokungafani nezinye izinhlelo, i-WVOE ayidingi ukuthi abafake izicelo babe nempahla eningi.Imininingwane➡Uhlelo lwe-WVOE

Gcina amaphuzu amahle esikweletu: Isikolo sakho sesikweletu sinomthelela oqondile esilinganisweni senzalo semalimboleko.Abafakizicelo abanamaphuzu aphezulu ezikweletu ngokuvamile bangathola amanani enzalo aphansi, angakongela imali eningi ngesikhathi semalimboleko.

Thola isikhulu semalimboleko esiqeqeshiwe: Iseluleko sochwepheshe ngokuvamile singakongela imali ezintweni ezihlukahlukene.

Sebenzisa imfundo yemalimboleko kanye nezinsizakalo zokwelulekwa: Izinhlangano ezahlukahlukene ezingenzi nzuzo kanye neminyango kahulumeni ihlinzeka ngemfundo yemalimboleko yamahhala noma engabizi kakhulu kanye nezinsizakalo zokwelulekwa.Lawa masevisi angakusiza uqonde izici ezihlukahlukene zemalimboleko, njengezinga lenzalo, izinkokhelo, imigomo yemalimboleko, njll., okukuvumela ukuba wenze izinqumo ezihlakaniphile.
II.Amaphuzu Okumele Aqashelwe Enqubweni Yemalimboleko
Ngesikhathi senqubo yokubolekwa imali, naka futhi amaphuzu alandelayo:

Yenza imvume engaphambili yemalimboleko enhle: Ukugunyazwa kusengaphambili kwemalimboleko kukusiza ukuba uqonde inani lemalimboleko kanye nezinga lenzalo okungenzeka kusenesikhathi, okungakusiza ucacise ibhajethi yakho futhi wenze uhlelo lokuthenga ikhaya olunengqondo kakhudlwana.
Naka isikhathi semalimboleko: Ubude besikhathi semalimboleko buzothinta inani lokukhokha lenyanga kanye nesamba sezindleko zenzalo.Kubalulekile ukukhetha isikhathi esifanele sokuboleka imali ngokusekelwe esimweni sakho sezezimali.
Qonda yonke imigomo: Ngaphambi kokusayina inkontileka yemalimboleko, qiniseka ukuthi uyaqonda futhi wamukela yonke imigomo nemibandela ukuze ugweme izinkinga ezingadingekile kamuva.

III.Izinhlelo zokubolekwa ezifanelekile
Kubaboleki abaholayo, ngaphezu kohlelo lwethu lwe-WVOE, sine-QM Community Loan ingase ibe usizo, ingagcini ngisho kwabathenga izindlu okokuqala ngqa:

- Konke Ukulungiswa Kwezilinganiso Kususiwe (uFreddie Mac Kuphela), ngaphandle kwezakhiwo zeyunithi ezi-2-4 nama-condo anamathiselwe;
- Asikho Isifundo Semfundo Esidingekayo;
- Ungase futhi uthole ezinye credit umbolekisi;
- Awukho Umkhawulo Wemali Engenayo;
- Indawo yokuhlala eyisisekelo kuphela.
Imininingwane➡I-QM Community Loan

Sekukonke, kubaboleki abaholayo, ukuthola imali mboleko yezindlu e-United States akuyona indawo engafinyeleleki.Uma nje wenza izinhlelo ezifanele, uqonda futhi usebenzisa zonke izinsiza ezitholakalayo, ungakwazi ukufeza iphupho lakho lokuba ngumninikhaya ngempumelelo.

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.