11/20/2023

Lapho ungena endaweni yobunikazi bezindlu, esinye sezinqumo ezibucayi sibandakanya ukukhetha uhlobo olufanele lwemalimboleko.Phakathi kwenqwaba yezinketho, imali mboleko evamile, kanye nezimali mboleko ezisekelwa uhulumeni ze-VA, FHA, kanye ne-USDA yizona ezivelele kakhulu.Ngayinye yalezi zimalimboleko ibhekelela izidingo ezihlukene, izimo zezimali, kanye nemibandela yokufaneleka, okwenza ukukhetha kube yingxenye ebalulekile yenqubo yokuthenga ikhaya.

Esihlokweni sethu sangaphambilini, 'Ukuqonda Izikweletu Zezindlu Ezivamile Nge-AAA LENDINGS,' sethule ukuthi iyini imalimboleko evamile futhi sahlola izici zayo kanye nezinzuzo zayo.Namuhla, sijula ​​ngokuqhathanisa i-VA, FHA, kanye ne-USDA Imalimboleko.Ngalesi siqhathaniso, sihlose ukukunikeza ukuqonda okuphelele kwezici ezihlukile zohlobo ngalunye lwemalimboleko.Lolu lwazi luzokusiza ekukhetheni umkhiqizo we-mortgage ohambisana nezidingo zakho zomuntu ngamunye.

 

Izikweletu Ezivamile: Inketho Edume Kakhulu

Izimali mboleko ezijwayelekile, ezingaqinisekisiwe yinoma iyiphi inhlangano kahulumeni, ziyinketho edumile kubathengi abaningi bezindlu.Isici sabo esivelele ukuguquguquka, okunikeza amagama ahlukahlukene (iminyaka eyi-15, engu-20, noma engu-30) nezinhlobo (amanani angaguquki noma alungisekayo).Lokhu kuzivumelanisa nezimo kubenza bafanelekele uhla olubanzi lwababolekayo, ikakhulukazi labo abanamaphrofayela aqinile esikweletu kanye nekhono lokukhokha kancane kancane.

Nokho, lokhu kuvumelana nezimo kuza nezidingo ezithile.Izimali mboleko ezijwayelekile zivame ukudinga amaphuzu aphezulu esikweletu kanye nezinkokhelo ezinkulu eziphansi uma kuqhathaniswa nozakwabo abasekelwa uhulumeni.Ukwengeza, uma inkokhelo ephansi ingaphansi kuka-20%, ababoleki kufanele babhekane nezindleko ezengeziwe zomshuwalense we-private mortgage (PMI), okwandisa inkokhelo yanyanga zonke.

I-VA Loans: Ukusebenzela Labo Abakhonzayo
Idizayinelwe ngokukhethekile omakadebona kanye namalungu esevisi asebenzayo, imali mboleko ye-VA inikeza eminye yemibandela evumayo kakhulu emakethe yempahla mboleko.Isici esiphawuleka kakhulu imfuneko yokungakhokhi, impumuzo enkulu kulabo abangakwazi ukuqongelela ukonga okukhulu.Ngaphezu kwalokho, ukungabikho kwe-PMI kunciphisa umthwalo wezimali wanyanga zonke, okwenza ubunikazi bezindlu bufinyeleleke kalula.

Nokho, imali mboleko ye-VA ayinayo imikhawulo.Kubandakanya imali yokuxhasa (eyekiwe kwabanye), futhi kunemibandela eqinile mayelana nokufaneleka kwababolekayo kanye nezinhlobo zezakhiwo ezingathengwa.Lezi zimali mboleko ziwumnikelo wenkonzo yezempi, ezinikeza izinzuzo ezinkulu kodwa zivalelwe eqenjini elithile lababoleki.

Imalimboleko ye-FHA: Ukuvulela Abaningi Iminyango
Izimali mboleko ze-FHA, ezisekelwa i-Federal Housing Administration, zikhanga ngokukhethekile abathengi bezindlu bokuqala kanye nalabo abanomlando wezikweletu ophansi kune-stellar.Izidingo zabo eziphansi zamaphuzu esikweletu kanye nethuba lokwenza inkokhelo ephansi efinyelela ku-3.5% kuvula umnyango wokuba umninikhaya kwabaningi abebengabekwa eceleni.

Kodwa-ke, izikweletu ze-FHA zithwala umthwalo we-Mortgage Insurance Premiums (MIP), engakwazi ukuhlala impilo yonke yemali mboleko uma inkokhelo ephansi ingaphansi kuka-10%.Lezi zindleko eziqhubekayo, kanye nemikhawulo ephansi yemalimboleko kanye namazinga aqinile ezakhiwo, izici ababoleki okudingeka bazilinganise ngokufinyeleleka okuhlinzekwa yilezi zimalimboleko.

Imalimboleko ye-USDA: Indlela Yasemakhaya YaseMelika Yokuba Ubunikazi Bekhaya
Imali ebolekiwe ye-USDA iqondise kubantu abahlukene, okuhloswe ngayo ukuqinisa ubunikazi bezindlu ezindaweni zasemaphandleni nasezindaweni ezithile zasemadolobheni.Lezi zimali ezibolekiwe zilungele abantu abahola kancane ukuya kwezilingene abangase babe nobunzima bokukhokha kancane, njengoba bengazidingi.Ukwengeza, bahlinzeka ngezindleko zomshwalense wezindlu ezincishisiwe kanye namazinga enzalo ephansi, ngisho nangaphandle kwenkokhelo ephansi.

Ukubamba ngemali mboleko ye-USDA kulele emikhawulweni yabo yendawo kanye nemali engenayo.Zenzelwe izindawo ezithile kanye namazinga emali engenayo, ukuqinisekisa ukuthi izinzuzo ziqondiswe kulabo abadinga usizo emiphakathini yasemakhaya.Usayizi wempahla kanye nemikhawulo yezindleko nayo iyasebenza, iqinisekisa ukuthi uhlelo lugxile ezindlini ezinesizotha, ezithengekayo.

Ukukhetha Uhlelo Oluhle Lwemalimboleko Yezidingo Zakho
Uhambo oluya kubanikazi bezindlu lugandaywe ngezinto ezihlukene zezimali nezomuntu siqu.Izimalimboleko ezivamile zinikeza ukuguquguquka okukhulu kodwa zidinga ukuma kwezimali okuphezulu.Izimali mboleko ze-VA zinikeza izinzuzo eziphawulekayo kumalungu esevisi afanelekayo kodwa zilinganiselwe ngobubanzi.Imali mboleko ye-FHA yehlisa umgoqo wokungena wokuba umninikhaya, ilungele abaqalayo noma labo abakha kabusha isikweletu.Ngaleso sikhathi, imali ebolekiwe ye-USDA igxile ekusizeni abathengi basekhaya basemakhaya ngezindlela ezilinganiselwe.

Ekugcineni, ukukhetha okufanele kwe-mortgage kuncike ezimweni zomuntu ngamunye, impilo yezezimali, kanye nezinjongo zesikhathi eside.Abangase babe abanikazi bezindlu kufanele balinganise izinzuzo nemikhawulo yenketho ngayinye, befuna iseluleko kubaluleki bezezimali ukuze bazulazule le ndlela eyinkimbinkimbi kodwa enomvuzo.Umgomo ucacile: ukuthola imali ebolekiwe engavuli nje kuphela umnyango wendlu entsha kodwa futhi elingana ngokunethezeka ngaphakathi kwesithombe esikhulu sempilo yomuntu yezezimali.

Ividiyo:Ukuzulazula ku-Maze of Mortgage Options-Ukuqonda Okujwayelekile, i-VA, i-FHA, kanye ne-USDA Imalimboleko

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.