Ukuzulazula Imali Ebolekiwe Yasekhaya engenawo Umlando Wokuqashwa e-US

Ukuthenga umuzi kuyingqopha-mlando empilweni yanoma ubani, kodwa ukuthola imali ebolekiwe kungaba umsebenzi onzima, ikakhulukazi umaAwukho umlando wokuqashwa. Nakuba ababolekisi bendabuko ngokuvamile bedinga ubufakazi beholo elizinzile, zisekhona izindlela ezisebenzayo zokuthola imali ebolekiwe engenawo umlando wokuqashwa. Lesi sihloko sihlola amasu namathiphu ahlukahlukene angakusiza ukuthi uzulazule enqubweni yemalimboleko yendlu ngaphandle kwerekhodi elivamile lokuqashwa.

Ukuqonda Inselele

Uma ufaka isicelo semali mboleko yezindlu, ababolekisi bavame ukuhlola ikhono lakho lokukhokha imali ebolekiwe. Umsebenzi ozinzile oneholo elingashintshi uyisici esibalulekile kulokhu kuhlola. Nokho, ukungabi nomlando womsebenzi akukwenzi ungafaneleki ukuthola imali ebolekiwe yomuzi. Ababolekisi bazobheka ezinye izici zesimo sakho sezezimali ukuze banqume ukufaneleka kwakho ngesikweletu.

Eminye Imithombo Yemali Engenayo

Uma ungenawo umlando wokuqashwa, kubalulekile ukukhombisa eminye imithombo yemali engenayo. Lokhu kungafaka:

1. utshalomaliImali engenayo: Izabelo, inzalo, noma imali yokuqasha ingacatshangelwa.
2. Ukuzisebenza: Uma uqhuba ibhizinisi lakho, hlinzeka ngezitatimende zezezimali ezinemininingwane kanye nezimbuyiselo zentela.
3. Iholo Lomshado: Uma oshade naye eneholo elizinzile, amaholo akhe angafakwa esicelweni semalimboleko.
4. Izikhwama Zempesheni noma Zomhlalaphansi: Izinkokhelo ezivamile ezivela kuma-akhawunti omhlalaphansi zingasetshenziswa njengobufakazi beholo.

Ukwakha Iphrofayili Yezezimali Eqinile

Ngaphandle komlando wokuqashwa, udinga ukuqinisa ezinye izici zephrofayela yakho yezezimali:

• Umphumela Wesikweletu: Gcina amaphuzu aphezulu esikweletu ngokukhokha izikweletu nokuphatha isikweletu ngokuzibophezela.
• Inkokhelo yokubambisa: Inkokhelo ephansi enkulu inciphisa ubungozi bomboleki futhi yandisa amathuba akho okugunyazwa.
• Ukonga: Inani elikhulu lokonga libonisa ukuzinza kwezezimali kanye nekhono lokumboza izinkokhelo zezindlu zokuhlala.

Ukufuna Ababolekisi Okungebona Bendabuko

Amabhange endabuko angase abe nezidingo eziqinile, kodwa kukhona ababolekisi abangebona bendabuko abasebenza ngokukhethekile nabantu abangenawo umlando wokuqashwa. Laba babolekisi bangase banikeze imigomo evumelana nezimo kodwa ngokuvamile ngamanani enzalo aphezulu. Kubalulekile ukuqhathanisa ababolekisi abahlukene ukuze uthole idili elingcono kakhulu.

Izinhlelo zikaHulumeni

Uhulumeni wase-US unikeza izinhlelo ezimbalwa zokusiza abantu ngabanye ukuthi bavikele imali ebolekiwe yezindlu:

• Imalimboleko ye-FHA: Isekelwe yi-Federal Housing Administration, lezi zimali mboleko zinezidingo ezithambile.
• VA Imalimboleko: Itholakala komakadebona kanye namalungu esevisi asebenzayo, lezi zimali mboleko azidingi inkokhelo ephansi.
• Imalimboleko ye-USDA: Idizayinelwe abathenga izindlu basemaphandleni, lezi zimali mboleko zinikeza amanani enzalo aphansi futhi akukho nkokhelo ephansi.

Isiphetho

Ukuthola imali ebolekiwe engenawo umlando wokuqashwa e-US kuyinselele kodwa akunakwenzeka. Ngokubonisa eminye imithombo yemali engenayo, ukwakha iphrofayili yezezimali eqinile, ukuhlola ababolekisi abangebona bendabuko, futhi ucabangele izinhlelo zikahulumeni, ungawandisa amathuba akho okuthola imali mboleko yezindlu. Khumbula, umbolekisi ngamunye unemibandela ehlukene, ngakho-ke kubalulekile ukuthi uthenge eduze futhi uthole leyo esifanela kangcono isimo sakho. Ngokuphikelela nangendlela efanele, ungakwazi ukufeza iphupho lakho lokuba nomuzi ngisho nangaphandle komlando womsebenzi wesintu.

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.