Ingabe ukhathazekile ngokuthi amaphuzu akho esikweletu angase akuvimbele ukuba ufanelekele ukubolekwa imali? Ungavumeli amaphuzu aphansi e-FICO akuvimbele ekufezeni iphupho lakho lokuba ngumninikhaya. Kwa-AAA LENDINGS, sisebenza ngokukhethekile ekusizeni ababolekayo abanezikolo eziphansi bavikele izixazululo ezithengekayo ze-mortgage eziklanyelwe izidingo zabo.

Yiziphi Izikolo ze-FICO?

Izikolo ze-FICO, ezithuthukiswe yi-Fair Isaac Corporation, ziwuhlobo lwamaphuzu esikweletu asetshenziswa ababolekisi ukuze bahlole ukufaneleka kwababoleki. Isikolo sakho se-FICO sisekelwe ezintweni ezihlukahlukene, okuhlanganisa umlando wakho wokukhokha, ukusetshenziswa kwekhredithi, ubude bomlando wesikweletu, ama-akhawunti amasha esikweletu, nezinhlobo zezikweletu ezisetshenzisiwe. Izikolo ze-FICO zisukela ku-300 kuye ku-850, amaphuzu aphezulu abonisa ukufaneleka okungcono kwekhredithi.

Izinselelo Zezikolo Eziphansi ze-FICO

Ukuba nesilinganiso esiphansi se-FICO kungakwenza kube inselele kakhulu ukufanelekela ukubolekwa imali. Ababolekisi bangase babheke amaphuzu esikweletu aphansi njengengcuphe ephezulu, eholela emazingeni enzalo aphezulu, izidingo eziqinile zokufaneleka, noma ngisho nokunqatshelwa kwemalimboleko. Kodwa-ke, ukuba nekhredithi ephansi akusho ukuthi awukwazi ukufaneleka ukuthola i-mortgage. Kusenezinketho ezitholakalayo zokukusiza ufinyelele imigomo yakho yobuninikhaya.

Izixazululo ze-Mortgage Yezikolo Eziphansi ze-FICO

Imalimboleko ye-FHA

Izimali mboleko ze-FHA (Federal Housing Administration) ziyimalimboleko esekelwa uhulumeni eklanyelwe ukusiza ababolekayo abanezikolo eziphansi zezikweletu kanye nezimali zokukhokha ezilinganiselwe. Ngemali ebolekiwe ye-FHA, ungase ufaneleke ukuthola imali ebolekiwe enamaphuzu esikweletu afinyelela ku-500, kuye ngezidingo zomboleki. Izimali mboleko ze-FHA zinikeza imibandela yokufaneleka evumelana nezimo kanye namazinga enzalo aqhudelanayo, okuwenza abe inketho ekhangayo kubaboleki abanezikolo eziphansi zezikweletu.

VA Imalimboleko

Izimali mboleko ze-VA (Department of Veterans Affairs) ziyatholakala komakadebona abafanelekayo, amalungu esevisi asebenzayo, nabashadile abasaphila. Izimali mboleko ze-VA zinikeza izinzuzo ezimbalwa, okuhlanganisa ukungabi nemfuneko yokukhokha phansi, amanani enzalo ancintisanayo, kanye nezidingo zesikolodo esithambile. Yize singekho isidingo esincane samaphuzu esikweletu semalimboleko ye-VA, ababolekisi abaningi bakhetha ababolekayo abanamaphuzu esikweletu angama-620 noma ngaphezulu.

Imalimboleko ye-USDA

Imali mboleko ye-USDA (Umnyango Wezolimo wase-United States) isekelwa yi-USDA futhi iklanyelwe ukusiza ababolekayo abanemali engenayo ephansi ukuya kwemaphakathi ezindaweni zasemaphandleni nasezindaweni ezingaphansi kwedolobha ukuthi bazuze ubunikazi bezindlu. Izimali mboleko ze-USDA zinikeza amanani enzalo ancintisanayo, akukho mfuneko yokukhokha phansi, kanye nezidingo zamaphuzu esikweletu eziguqukayo. Nakuba singekho isidingo esincane samaphuzu esikweletu semalimboleko ye-USDA, ababolekisi abaningi bakhetha ababolekayo abanamaphuzu esikweletu angu-640 noma ngaphezulu.

Izimalimboleko ezingezona ze-QM

Izimali mboleko ezingezona ze-QM (Non-Qualified Mortgage) ezinye izinketho ze-mortgage ezingafinyeleli imibandela ebekwe amabhizinisi axhaswe uhulumeni njengo-Fannie Mae noma u-Freddie Mac. Lezi zimali mboleko zibhekelela ababoleki abanezimo zezimali ezihlukile, okuhlanganisa abantu abazisebenzayo, abatshalizimali, nalabo abanezinselelo zezikweletu. Izimali mboleko ezingezona ze-QM zinikeza imibandela yokufaneleka evumelana nezimo futhi ingase icabangele izici ezingaphezu kwezikolo zezikweletu, njengokuzinza kwemali engenayo kanye nezimpahla.

Kungani Khetha AAA LENDINGS?

Kwa-AAA LENDINGS, siyaqonda ukuthi isimo sezimali sawo wonke umuntu sihlukile. Kungakho sinikeza izixazululo eziningi ze-mortgage ezifanelana nezidingo zakho ngazinye, okuhlanganisa izinketho zababolekayo abanezikolo eziphansi zezikweletu. Ngobuchwepheshe bethu nendlela yethu yomuntu siqu, sizosebenzisana nawe ukuze sithole isixazululo esifanelekile semali mboleko esifanelana nesabelomali sakho nemigomo yakho. Xhumana nathi namuhla ukuze ufunde kabanzi futhi uthathe isinyathelo sokuqala sokuba umninikhaya, noma unesikolo esiphansi se-FICO.

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.