Awukho Umsebenzi Akukho Imali Ebolekiwe: Indlela Eguquguqukayo Eya Kubunikazi Bekhaya

Ukuthola imali ebolekwayo Yendawo Yokuhlala Eyisisekelo Ngaphandle Komsebenzi kungase kubonakale kungenakwenzeka esimweni sanamuhla sokuboleka esiqinile, kodwaakukho msebenziAyikho Imali Ebolekiwe Engenayo ephendula lokho kulandisa. Idizayinelwe labo abangathembele ekuqashweni okujwayelekile, lesi sikweletu esisekelwe empahleni asidingi Ukuqinisekiswa Kokuqashwa Futhi Alukho Ulwazi Lokuqashwa Oludingekayo, okwenza ubunikazi bezindlu bufinyeleleke kubabukeli abaningi. Kungakhathaliseki ukuthi uyazixhasa ngemali, uthathe umhlalaphansi, noma awunayo imali evamile, le mali ebolekiwe, enezinketho ezifanelekayo ze-Primary/Investment/2nd Home, ikunikeza indlela yokuphila. Ngenani eliphansi lesikweletu lesikweletu lika-680 kanye nemalimboleko efinyelela ku-$3.5 wezigidi, ukukhetha okuvelele.

I-No Job No Income Loan iqeda isidingo sama-pay stubs, ama-W-2s, noma izimbuyiselo zentela, esikhundleni salokho igxile ezimpahleni zakho—cabanga ukonga, ukutshalwa kwezimali, noma ukubamba izindlu. Le ndlela ifaneleka kulabo abafuna Indawo Eyisisekelo Yokuhlala Ngaphandle Komsebenzi, njengoba igwema izithiyo ezihlobene neholo elivame ukuhoxisa ababoleki okungebona abavamile. Kungcono kakhulu,isiphoIzimali ezitholakalayo zingasetshenziselwa izinkokhelo eziphansi, ukwandisa ukufaneleka kwalabo abanokwesekwa komndeni. Umphumela? Inqubo ye-mortgage eqondile futhi ebandakanyayo.

Okwenza le mali ebolekiwe ihluke wukuguquguquka kwayo. Ifaneleka Ekhaya Eliyinhloko/Ukutshalwa Kwezimali/Ikhaya Lesibili, okusho ukuthi ungalisebenzisa ukuze uthenge ikhaya lakho eliyinhloko, indawo yokuhlala eholidini, noma indawo eqashisayo. Kulabo ababheke Indawo Yokuhlala Eyisisekelo Ngaphandle Komsebenzi, Imali Ebolekiwe Ayinamsebenzi Ongenayo iyigugu eliyivelakancane emakethe yezindlu ezibolekiwe, lapho izinketho ezingenayo imali ziyindlala. Ababolekayo abanamaphuzu esikweletu angu-680 noma ngaphezulu bangakwazi ukubolekwa imali efika ezigidini ezingu-3.5 zamaRandi, okuqinisekisa ukuguquguquka kwezinhlobo ezahlukene zezakhiwo namaphuzu amanani.

Ngisho nokufaneleka Okutholakala Kwezwe Langaphandle kwenza le mali ebolekiwe ihluke, yamukele abathengi bamazwe ngamazwe okungenzeka bengenawo amarekhodi okuqashwa ase-US. Zibone ngeso lengqondo uthenga ikhaya lamaphupho akho ngaphandle kokugxumela ama-hoops ukuze ufakazele imali engenayo—vele usebenzise impahla yakho futhi uqhubekele phambili. Inqubo Yokuqinisekisa Ukungaqashwa ilulaza ukugunyazwa, yonga isikhathi nokunciphisa ingcindezi.

Isibonelo, umuntu osethathe umhlalaphansi onemali eningi yokonga kodwa engenayo imali esebenzayo angakwazi ukuvikela i-Primary Residence Without A Job kalula nje. Ngokubonisa iphothifoliyo yabo yempahla, bafanelekela Ukubolekwa Imali Engenayo Umsebenzi Ngaphandle Kokudalula imininingwane yokuqashwa. Ngezinketho Ezitholakalayo Zesipho, bangase bathole nosizo kumndeni ukuze bakhokhe izindleko zangaphambili, ngesikhathi bejabulela inkululeko Yokungadingeki Ulwazi Lomsebenzi.

I-No Job No Income Loan ichaza kabusha lokho okungenzeka ekuxhaseni ngezimali ekhaya. Kuyimalimboleko Etholakalayo Kazwelonke Yangaphandle, Esekelwe Kwempahla ebeka kuqala iqiniso lakho lezezimali ngaphezu kwamamethrikhi aphelelwe yisikhathi, okuyenza ibe yisixazululo esifanelekile Sendawo Eyinhloko Yokuhlala Ngaphandle Komsebenzi noma ngaphezulu.