Izinhlelo Zokubolekwa Ezitholakala Kubantu Abazibolekayo Abazisebenzelayo

Ukuzulazula endaweni ye-mortgage kungaba inselele ikakhulukaziqashiweababolekayo. Ngokungafani nabasebenzi bendabuko, abantu abazisebenzayo bavame ukuba nemali engenayo eguquguqukayo kanye nezimo zezimali ezihlukile ezingase zibe nzima inqubo yokugunyaza imali mboleko. Ngenhlanhla, kunezinhlelo eziningi zokubolekwa kwemali eziklanyelwe ukuhlangabezana nezidingo zababoleka abazisebenzelayo. Kulesi sihloko, sizohlola lezi zinhlelo zemalimboleko nokuthi zingakusiza kanjani ukuzuza ubunikazi bendlu.

1.Imalimboleko Evamiles

Ababoleki abaningi abazisebenzelayo bangakwazi ukuthola imalimboleko evamile, engasekelwa uhulumeni. Nokho, ababolekisi ngokuvamile badinga imibhalo eyengeziwe ukuze bahlole ukuzinza kwezimali komboleki. Abantu abazisebenzayo bangase badinge ukuhlinzeka ngeminyaka emibili yentela yomuntu siqu neyebhizinisi, izitatimende zenzuzo nokulahlekelwa, kanye nezitatimende zasebhange ukuze babonise ukungaguquguquki kwemali engenayo. Ababolekisi babheka amaphuzu aqinile esikweletu kanye nesilinganiso esinempilo sesikweletu semali engenayo.

2. Imalimboleko ye-FHA

Izimalimboleko zeFederal Housing Administration (FHA) zingenye indlela esebenzayo yababoleka abazisebenzelayo. Lezi zimali mboleko zenzelwe ukusiza abantu abahola kancane ukuya kokumaphakathi ukuthi bathole ubunikazi bezindlu. Izimali mboleko ze-FHA zinezidingo zokufaneleka ezivumelana nezimo futhi zivumela amaphuzu esikweletu aphansi uma kuqhathaniswa nezimali mboleko ezijwayelekile. Ababoleki abazisebenzelayo kufanele banikeze izimbuyiselo zentela zeminyaka emibili kanye nobufakazi bokuqina kwemali engenayo, kodwa i-FHA ngokuvamile ivumelana kakhulu nokuqinisekiswa kwemali engenayo.

3. Imalimboleko ye-VA

Komakadebona abafanelekile kanye namalungu esevisi asebenzayo, imali mboleko ye-VA iyindlela enhle kakhulu enikeza izinzuzo eziningi. Izimali mboleko ze-VA azidingi ukukhokha phansi futhi azinayo izidingo zomshuwalense we-private mortgage (PMI). Ababoleki abazisebenzelayo bangakwazi ukuthola imalimboleko ye-VA ngokunikeza imibhalo efana naleyo edingekayo emalinimboleko evamile. Lokhu kuhlanganisa amafomu entela kanye nobufakazi bemali engenayo yeminyaka emibili edlule.

4. Izikweletu ze-DSCR

Izikweletu zeDebt Service Coverage Ratio (DSCR) zenzelwe ngqo abatshalizimali bezindlu kanye nababolekayo abazisebenzelayo. Lolu hlelo lwemalimboleko luvumela ababoleki ukuthi bafaneleke ngokusekelwe emalini etholwa indawo kunenzuzo yabo siqu. Lokhu kuzuzisa kakhulu kubantu abazisebenzayo okungenzeka banemali engenayo eguquguqukayo kodwa abangabanikazi bezindawo zokutshala izimali ezikhiqiza ukugeleza kwemali okungashintshi.

5. Imalimboleko Yesitatimende Sasebhange

Imali mboleko yezitatimende zasebhange ilungele ababolekayo abazisebenzelayo okungenzeka bangabi nawo imibhalo yemali engenayo. Esikhundleni sezimbuyiselo zentela, ababolekisi bahlola iholo lomboleki ngokusekelwe ezitatimendeni zabo zasebhange. Ngokuvamile, ababolekisi bazohlaziya izitatimende zasebhange zezinyanga ezingu-12 kuya kwezingu-24 ukuze banqume isilinganiso sediphozithi yanyanga zonke, banikeze isithombe esicacile semali engenayo yomboleki.

Isiphetho

Ababolekayo abazisebenzelayo banezinhlelo ezahlukene zokubolekwa kwemali ezitholakalayo ukuze zibasize bazulazule ngempumelelo yenqubo yemali mboleko. Kusukela emalini ebolekiwe evamile kuya emalini ebolekiwe ye-FHA ne-VA, kanye ne-DSCR nezimali mboleko zesitatimende sasebhange, kunezinketho ezenzelwe ukulingana nezimo zezimali ezihlukile zabantu abazisebenzayo. Ngokuqonda lezi zinhlelo zokubolekwa imali nokuqoqa imibhalo edingekayo, ababolekayo abazisebenzelayo bangathuthukisa amathuba abo okuthola imali ebolekiwe kanye nokufeza amaphupho abo okuba ngabaninikhaya.