Ukuvula Ubunikazi Bekhaya Ngemalimboleko Ye-ejensi

Ukuthenga ikhaya e-United States kuyiphupho kwabaningi, kodwa ukuzulazula esimweni se-mortgage kungazizwa kukhungathekile. Ngenhlanhla, AAA Capitalutshalomali, Inc., ngokusebenzisa izixazululo zayo ezintsha ze-mortgage njengeImalimboleko yomenzeli, yenza lolu hambo lube lula. Isekelwa izikhondlakhondla zemboniUFannie Maekanye noFreddie Mac, iImalimboleko yomenzeliinikeza izinzuzo ezingenakuqhathaniswa, kuhlanganiseezezimali eziguquguqukayofuthiamanani okuncintisana, okwenza kube ukukhetha okuhle kubathengi bokuqala kanye nabanikazi bezindlu abangomakadebona ngokufanayo. Kungakhathaliseki ukuthi ubheke ikhaya elithokomele lomndeni owodwa e-Los Angeles County noma i-condominium yesimanje, lo mkhiqizo wemalimboleko ugqama njengendlela ethembekile yokuba umninikhaya.

Itshe legumbi le-Imalimboleko yomenzeliyiyoezezimali eziguquguqukayoongakhetha kukho. Ngokungafani nemalimboleko yendabuko eqinile, lo mkhiqizo uhambisana nezidingo ezahlukahlukene zababoleki. Isibonelo, i-AAA LENDINGS ihlanganisa i-Standard Fannie Mae kanye ne-Freddie Mac Conforming kanye ne-High Balance Loan Programme ekunikezelweni kwayo. Lokhu kusho ukuthi ababoleki bangakwazi ukufinyelela emalimboleko ehambisana nesimo sabo sezezimali, kungakhathaliseki ukuthi bakhetha ukubolekwa imali evumelana nemikhawulo evamile noma imali mboleko yebhalansi ephezulu yezimakethe zamanani afana ne-Los Angeles. Ukwengeza, izinhlelo ezifana ne-HomeReady ne-HomePossible zibhekelela labo abahola kancane, ezinikeza ukuguquguquka kwenkokhelo ephansi kanye nezindleko zomshwalense wezindlu ezincishisiwe. Lokhu kuvumelana nezimo kuqinisekisa ukuthi iImalimboleko yomenzeliayisona isixazululo esilingana konke kodwa ithuluzi elenziwa ngendlela oyifisayo lokuzuza ubunikazi bendlu.

Esinye isici esivelele yi-amanani okuncintisanaiboshelwe kuImalimboleko Yesikhungo. Emakethe lapho izilinganiso zenzalo ziguquguquka, ukuthola inani eliphansi, eligxilile kungasindisa izinkulungwane zababoleki phakathi nokuphila kwabo kwempahla ebolekiwe. Ngokusho kwe-Primary Mortgage Market Survey kaFreddie Mac, amanani emali mboleko ahlala ekhanga ngokomlando, evame ukucwiliswa ngaphansi kwezilinganiso ezijwayelekile zemakethe. Isibonelo, ekuqaleni kuka-2025, izikweletu zesilinganiso esimisiwe zeminyaka engama-30 zanda cishe ku-6.2%, kodwaImalimboleko Yesikhungobavame ukunikeza amanani aphansi ngo-0.25% kuya ku-0.5% ngenxa yokuzinza kwawo okusekelwa uhulumeni. Lokhu kufinyeleleka kuyashintsha umdlalo, ikakhulukazi uma kubhangqwe nezinhlelo ze-AAA LENDINGS' Government Down Payment Assistance (DPA) ezifana ne-HOP80 ne-HOP120, ehlinzeka ngama-$100,000 noma ama-$85,000 ngokulandelanayo, ukuze kudambiswe umthwalo wezindleko ongaphambili.

Ngaphandle kwalezi zinzuzo,Imalimboleko Yesikhungoqondanisa kalula nezinhlelo ezinjengohlelo lwe-HOP yase-Los Angeles County, oludizayinelwe izindawo zokuhlala eziyinhloko ezindaweni ezingahlanganisiwe noma emadolobheni abamba iqhaza. Ngenani eliphezulu lokuthenga elingu-$700,000 le-HOP80 noma elingu-$850,000 le-HOP120, abathengi bangasebenzisa amandlaImalimboleko yomenzeliukuxhasa ngezimali izakhiwo ezinjengamakhaya omndeni owodwa, ama-condos, noma ama-townhouses. Inkokhelo ehlehlisiwe, inzalo engu-0% yesibili enikezwa yi-DPA ithuthukisa ukufinyeleleka, edinga ukubuyiselwa kuphela lapho ikhaya selidayisiwe noma lingasahlali umnikazi. Lokhu synergy phakathiezezimali eziguquguqukayofuthiamanani okuncintisanaiqinisekisa ukuthi ababoleki abathengi nje indlu—batshala imali ekusaseni elisimeme.

Izibonelo zomhlaba wangempela zigcizelela ukubaluleka kweImalimboleko Yesikhungo. Thatha umndeni e-Los Angeles County uthenga i-townhome engu-$650,000. Ngokuhlanganisa iImalimboleko yomenzelinge-HOP80's $100,000 DPA, behlisa ukubolekwa kwabo kokuqala kube ngu-$550,000, bathole isilinganiso sokuncintisana esingu-5.75% nge-AAA LENDIS. Ngaphezulu kweminyaka engama-30, lokhu kubalondoloza ngaphezu kwe-$40,000 ngenzalo uma kuqhathaniswa nemali mboleko evamile engu-6.25%. Ukonga okunjalo kugqamisa ukuthi kunganiImalimboleko Yesikhungoziyinketho ephezulu yabathengi abakhathalela izindleko abafuna ukuguquguquka kanye nenani.

Sengiphetha, iImalimboleko yomenzelikusuka ku-AAA Capital Investment, Inc. ingaphezu nje kwempahla ebolekiwe—kuyisango lenkululeko yezezimali. Ngeezezimali eziguquguqukayoevumelana nezidingo zakho futhiamanani okuncintisanaokugcina izindleko ziphansi, lo mkhiqizo unika amandla abathengi ukuthi baguqule amaphupho abo obunikazi bezindlu abe ngokoqobo. Noma ngabe ungumthengi wokuqala noma uthuthukela endaweni enebhalansi ephezulu, iImalimboleko yomenzeliinikeza isixazululo esihlakaniphile, esithengekayo esifanelana nemakethe yanamuhla eguquguqukayo.