11/20/2023

Umhlahlandlela Wabanikazi Bamakhaya Abasafufusa

Njengoba uqala uhambo lobunikazi bekhaya, ukuqonda izinketho zakho zokubolekwa kwezindlu kubalulekile.Izimali mboleko ezivamile, ukukhetha okudumile phakathi kwababolekayo abanezikolo ezinhle zezikweletu nemali engenayo eqinile, inikeza indlela yokufeza ikhaya lamaphupho akho.Kwa-AAA LENDINGS, silapha ukuze sikuqondise ezicini ezibalulekile zemali mboleko evamile futhi sikubonise ukuthi zingangena kanjani esimweni sakho sezezimali.

 

Iyini Imalimboleko Evamile?

Imali mboleko evamile iyimali mboleko yendlu engaqinisekisiwe noma engaqinisekisiwe ama-ejensi kahulumeni futhi ingahlukaniswa njengemalimboleko evumelanayo noma engahambisani.Izikweletu ezivumelanayo zibhekisela kulezo ezihlangabezana nemibandela ebekwe u-Fannie Mae noma u-Freddie Mac.Naphezu kwezinzuzo eziyingqayizivele ezinikezwa ezinye izikweletu ezisekelwa uhulumeni, imali ebolekiwe evamile ihlala iyisinqumo esivame kakhulu nesidumile kubathengi abaningi bezindlu.Isici esibalulekile semalimboleko evamile ukuguquguquka kwazo ngokwemibandela.Imvamisa, beza nesikhathi semalimboleko esijwayelekile seminyaka engama-30, kodwa izinketho zeminyaka eyi-15 nengama-20 nazo ziyatholakala, zibhekelela izidingo zezimali ezahlukahlukene kanye nezinhlelo zababoleki.Ngaphezu kwalokho, imalimboleko evamile inikeza ukukhetha phakathi kwenani elimisiwe kanye ne-adjustable-rate mortgage (ARM).Inketho yesilinganiso esigxilile inikeza ukuzinza ngezinga lenzalo elingaguquki esikhathini sempilo yemali mboleko, ikwenze kube ukukhetha okuhle kulabo abahlela ubunikazi bezindlu besikhathi eside.Ngakolunye uhlangothi, imali ebolekiwe ye-ARM iqala ngezinga eliphansi elingase lilungiswe ngokuhamba kwesikhathi, elingakhanga kulabo abalindele ukuthutha noma ukuxhasa kabusha esikhathini esifushane.Lokhu kuguquguquka kwenza ukubolekwa okuvamile kube inketho yokuya kwabaningi abafuna ukuxhasa ngezimali ukuthenga kwabo izindlu.

Izici Ezibalulekile Zemalimboleko Evamile
Inkokhelo Ephansi Encane: Izimalimboleko ezivamile ngokuvamile zidinga inkokhelo ephansi ka-3% kuya ku-5%.Ukukhetha inkokhelo ephansi ephezulu kungaholela ezilinganisweni zenzalo ezingcono futhi kuqede isidingo se-Private Mortgage Insurance (PMI).

I-Private Mortgage Insurance (PMI): Uma inkokhelo yakho ephansi ingaphansi kuka-20%, i-PMI iyadingeka, ivikela umabolekisi uma kwenzeka iphutha.Izindleko ze-PMI ziyahlukahluka, zithonywe izici ezifana nesilinganiso semalimboleko ukuya kwinani kanye nesikolodo.

Izidingo Zomphumela Wesikweletu: Inzuzo eyinhloko yemali mboleko evamile amandla emali enzalo aphansi anezikolo eziphezulu zezikweletu.Ngokuvamile, kudingeka amaphuzu amancane esikweletu angama-620.

I-Debt-to-Income Ratio (DTI): Isilinganiso sakho se-DTI sibalulekile enqubweni yokugunyaza.Ngokufanelekile, kufanele ibe ngaphansi kwama-43%, kanti izilinganiso eziphansi zizoba ngcono.

Ukuhlola kanye Nokubhala Ngaphansi: Inqubo yethu yokubhala phansi ihlola ukuzinza kwakho kwezezimali, kuyilapho ukuhlolwa kuqinisekisa inani lesakhiwo, kuqinisekisa ukuhambisana nenani lemalimboleko.
Imikhawulo yemalimboleko: Izimalimboleko ezivamile zihlukaniswa njengezivumelanayo noma ezingavumelani.Izikweletu ezivumelanayo zihlangabezana nemikhawulo ebekwe u-Fannie Mae no-Freddie Mac, kuyilapho imali mboleko engavumelani (i-jumbo) idlula le mikhawulo.

Izilinganiso Zenzalo: Kwa-AAA LENDINGS, sinikeza amanani emali ebolekiwe ancintisanayo emalimboleko evamile, ehluka ngokuya ngezimo zemakethe kanye nephrofayela yakho yesikweletu.

Kungani Khetha Imali Ebolekiwe Evamile Ene-AAA LENDINGS?
Ukuvumelana nezimo Emananini Nemibandela Yokubolekwa: Hlela imalimboleko yakho ukuze ihambisane nezidingo zakho ezithile, kungakhathaliseki ukuthi inani lemalimboleko enkudlwana noma isikhathi esithile sokukhokha.

Izilinganiso Zezindlu Ezincintisanayo: Sisebenzela ukuhlinzeka ngamanani avumayo kakhulu, okuhumushela ekongeni okungaba khona empilweni yakho yonke yemali mboleko.

Isevisi Eyenziwe Ngezifiso: Ochwepheshe bethu bezindlu ezibolekiwe banikeza izeluleko eziqondene nawe, eziqinisekisa ukuthi uyaziqonda izinketho zakho futhi uthola imali mboleko ehambisana nemigomo yakho yezezimali.

Ukulungiselela Imali Ebolekiwe Ejwayelekile
Ngaphambi kokufaka isicelo, kungakuhle ukuthi:

• Buyekeza umbiko wakho wesikweletu futhi uthuthukise isikolo sakho uma kudingeka.
• Bala i-DTI yakho bese ucabanga ukunciphisa izikweletu.I-Mortgage Calculator yethu inikezela ngamathuluzi ahlukahlukene ahlanganisa isibali sokukhokha Inzalo Kuphela, Isibali Sokukhokhela Izindleko, Irenti uma iqhathaniswa ne-Buy Calculator, nokuningi.Thola imininingwane mayelana nokufinyeleleka, izinzuzo zentela, inkokhelo yamaphoyinti, ukufaneleka kwemali engenayo, i-APR ye-ARM, nokuqhathanisa imali mboleko.Masikusize ukuthi ucacise izidingo zakho futhi wenze izinqumo ezinolwazi lapho uphishekela imali mboleko yezindlu.Ikhaya lakho lesikhathi esizayo lingafinyeleleka - thatha isinyathelo sokuqala namuhla.
• Yonga ukuze uthole inkokhelo ephansi ukuze uthuthukise imigomo yemalimboleko.

Kwa-AAA LENDINGS, sizimisele ukukusiza ukuthi uzulazule emkhakheni wemali mboleko yezindlu ezivamile.Ubuchwepheshe bethu nendlela yethu yomuntu siqu iqinisekisa ukuthi wenza isinqumo esinolwazi, ivula indlela eya ekhaya lamaphupho akho ngokuzethemba nokucaca.

Ukuze uthole ulwazi olwengeziwe noma ukuqala inqubo yakho yokufaka isicelo, xhumana nathi namuhla.Masenze amaphupho akho obunikazi bendlu abe ngokoqobo!

Ividiyo:Ukuqonda Imali Ebolekiwe Yezindlu Ezivamile nge-AAA LENDINGS

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.