Ukuthenga ikhaya lokuqala kubonisa enye yezona nkqubela zemali zibalulekileyo ebomini bomntu. Ngelixesha inkqubo isenokuziva isongamele, iqonda umatshini wemali osemva kwayo − ngokukodwa intlawulo ephantsi //ingenza umahluko phakathi kokudideka nokuzithemba. Abathengi bamakhaya bokuqala, umlinganiselo ophantsi wemfuno yemali udla ngokuba ngumqobo wokuqala omkhulu. Le ndlela ikhokela inciphisa umlinganiselo wemali ehlawulwayo, umlinganiselo omncinci ofunekayo kwiinkqubo ezahlukeneyo zemali, oothunywa abaphembelela lamanani, nendlela eziluncedo zokuqhuba yonke inkqubo.

Yintoni Ngokwenene Imali Ehlawulwa Ngaphantsi?

Imali ephantsi yimali oyizisayo kwitafile yokuvala, ehlawulwa ngqo kwixabiso lentengo yekhaya. Ngokuqhelekileyo ichazwa njengepesenti yemali epheleleyo yokuthengisa. Umzekelo, ukuba ikhaya lithengiselwa ii-R340 000 kwaye ubeka i-5%, uza kuhlawula uhlalo oluphezulu. Ii-R3495 000 zixhaswa ngemali yemali eshiyekileyo.

Oku kuthengwa komnqongo wokuqala kungaphezulu nje kwenkcukacha zentengiselwano. Ababoleki bajonga intlawulo yakho njengemali edityanisiweyo kunye namandla emali. Okukhona unikela kakhulu ngemali yakho, kokukhona ungenabungozi bamali ababolekileyo. Okunjalo, intlawulo enkulu ingavula inzala engcono, inciphise intlawulo yenyanga, kunye neendleko zongezelelo lwe-inshorensi.

Isizathu Sokuba Ukubhatala Kubaluleke Kuhambo Lwakho Lwasekhaya

Ukuhlawulwa kwemali kusebenza iinjongo ezininzi ezingaphaya kokufanelekela ukubolekisa. Nazi iinzuzo ezingundoqo:

  • [[FLT: 0] Ithuba olivalileyo, ibhatala yakho ibuyela ekhaya. Ukuba ubeka 10% phantsi, une 10% yempahla ngokungqalileyo ngosuku lokuqala, enokuba lukhuseleko lwemali kamva ukuba ufuna ukuboleka ngokuchasene nayo okanye ukuthengisa.
  • [[NTL: 0] Umlinganiselo wemali-mboleko ebolekiweyo: Imali ehlawulwa phantsi inciphisa intloko-ntloko yakho ngqo, iphumela kwintlawulo encinane yemali yenyanga ngenyanga. Ngaphezu kwexesha elineminyaka engama-30, kwanomlinganiselo ophantsi kancinci ungasindisa amashumi amawaka kwinzala.
  • Amanani emali-mboleko angcono: Asoloko ehlawula intlawulo ekhuliswe ngakumbi ngexabiso lenzala eliphantsi kuba imali-ixabiso le-LTV (LTV) umlinganiselo ulunge ngakumbi. Umlinganiselo osezantsi weempawu ze-LTV uncitshisiwe.
  • [[NTL:0] Akukho inshorensi yetyala lobuqu: Ukuba ungafikelela kummiselo wama-20% kwimali ebolekiweyo eqhelekileyo, i-inshorensi yetyala lobuqu (PMI) ayifunwa. Oko kukodwa kungalondoloza ii-$30 ukuya kwi-R340 000 ngenyanga nganye ebolekiweyo, imali esetyenziswayo kukwakha i-eccerectal okanye ezinye iinjongo.
  • inika: Kwimarike zokhuphiswano, umthengi ohlawula imali eninzi usoloko ethembeke kakhulu kubathengisi, onako ukuphumelela kwimfazwe efuna ukuqhutyelwa phambili.

Ubuncinci beemfuno ezibhatalayo ngohlobo lweLoan

Akukho ntlawulo incinane esebenzayo kubo bonke abathengi. Imali efunekayo ixhomekeke phantse ngokupheleleyo kuhlobo lwendlu yetyala olikhethileyo. Nantsi inkcukacha zokujongwa kwezona nkqubo ziqhelekileyo zemali ebolekiweyo zikhoyo kubathengi bexesha lokuqala.

Ukubopha Izindlu Ngeenqanawa

Imali yokubolekisa yenkomfa ayifakwanga ngurhulumente wengingqi kwaye inikelwa ngababoleki bobucala abalandela imigaqo ebekwe nguFannie Mae noFreddie Mac. Kubathengi bexesha lokuqala, intlawulo encinane ingaba ngaphantsi kwe3% phantsi kweFannie Mae Home Seary® kunye noFreddie Mac Home Home Transwate Transmation iinkqubo. Imali-mali-mboleko yesithethe idla ngokucela ubuncinane u-5% ezantsi.

Noko ke, ukubeka imali engaphantsi kwama-20% kwimali ebolekiweyo eqhelekileyo kubangela ukuba i-inshorensi yetyala lobuqu ifuneke. Imali ehlawulwayo ye-PMI isekelwe kwityala letyala, kumgangatho ophantsi, nezinye izinto. I-LTV inokurhoxiswa xa ifikelela kuma-80% ngentlawulo nangoxabiso, kodwa oku kuthabatha ixesha.

Imali

Ijikiwe yiFederal Howards Administration, iFHA ingumsebenzi othandwayo phakathi kwabathengi bamakhaya bokuqala kuba bafuna intlawulo encinane ye3.5% kuba abobolekiweyo abanenqaku lokubolekisa ngetyala elingu 580 okanye ngaphezulu. Ukuba ityala liphakathi kwe 500 no 579, imali ehlawulwa phantsi iyafuneka. Iinkcukacha zemali-mboleko zinokufunyanwa kwiwebhsayithi ye-HUD[

Imali-mboleko yeFHA iquka imali yemali yemali yetyala eliya kuhla kwityala (UFMIP) kunye nemali yemali yemali yemali yetyala (MIP), esoloko ikho xa ubolekisa imali engaphantsi kwe-10%. Eli xabiso kufuneka lilinganiswe ngokubhekiselele kwinzuzo yemfuno ephantsi.

I-VA Loans

Kumagqala afanelekileyo, amalungu enkonzo asebenzayo, kunye namaqabane athile aphilayo, ityala leVE linika enye yezona ndlela zinomtsalane: zero ezantsi imfuno efunekayo. ISebe leMicimbi yeVeterans liqinisekisa inxalenye yemali ebolekiweyo, ukuphelisa imfuneko ye-inshorensi yendlu. Ababoleki basahlawula umrhumo wemali ye-mali ye-VA, kodwa bangabhatala kwimali eboletwayo. Iphepha lemali-mali-mali-mboleko yekhaya yemali ebolekisiweyo yolwazi oluninzi[.

USDA Loans

ISebe lezolimo lase-U.S. liqinisekisa ukuba imali ibolekwa kumakhaya asemaphandleni nasemadolophini abekwe kwimimandla emiselweyo ekwiSicwangciso Sentsapho Esisisitsha Esiqinisekisiweyo. Kubo bafanele bafanele bafaneleke ngokwengeniso nendawo, akukho mali ifunekayo. Imali-mboleko ye-USDA ifuna intlawulo engaphambili kunye nentlawulo yonyaka, kodwa zombini zingaphantsi kakhulu kune-inshorensi yemali ye-FHA. Iinkcukacha ezininzi zikhona kwi-webhsayithi ye-USDA.

Imeko kunye neenkqubo zobulali

Ngaphandle kokhetho lukarhulumente, amazwe amaninzi, izikolo, kunye nezixeko zinika iinkqubo ezizodwa ezinciphisa okanye eziphelisa iimfuno zokuhlawula kubathengi bexesha lokuqala. Ezi zisoloko zibakho ngemfezeko, iimali-mali ezixolelwayo, okanye ukuhlawula imali ehlawulweyo yesibini. Iinkqubo ziyahluka ngokwendawo kwaye zinokuba nemali elinganiselweyo, ii-asethi zemali, okanye zifune izifundo zemfundo zemali ezithengwa ekhaya. Ukukhangela kwisebe lezemali yezindlu kuyinto yokuqala entle.

Izinto Ezinokuphembelela Imali Oyihlawuleleyo

Kwanakwinkqubo ethile yokubolekisa, iinguqu ezininzi zobuqu nezempahla ezinxulumene nemeko zingachaphazela ukuhlawulwa okuncinane kombolekisi kuya kufuna.

  • Inqaku elikwindawo ephezulu livumela intlawulo encinci ephantsi kwinkozo yenkomfa ne FHA. Izikora ezingaphantsi kwama-580 zinokutyhala iimfuno phezulu kakhulu okanye zenza uvumo lube nzima.
  • [[UMTL: 0] Umlinganiselo we-Debt-toofieting (DTI): Abaxhasi basebenzisa i-DTI ukuvavanya amandla akho okulawula intlawulo yenyanga nganye. I-DTI esezantsi inganciphisa intlawulo encinci ngokubonisa ulawulo lwemali ehambayo.
  • [[NTL:0] Uhlobo lwe-Property:[ ii-codominium, ii-oyile ezininzi, kunye namakhaya okwakhiwayo angathwala eyahlukileyo phantsi kwentlawulo. Umzekelo, imali-mboleko yenkomfo kwi-iyunithi ezimbini idla ngokufuna ubuncinane 15% ezantsi.
  • [[NTLA:0] Umthamo wemali-mboleko: iindawo ezinamaxabiso aphezulu zingatyhalela umlinganiselo wemali ebolekiweyo ngaphezulu kwemida ehambelanayo, ukuxhobisa iimfuno zemali-mboleko yejumbo ezidla ngokuqala kwi 10% ukuya ku 20% ezantsi okanye ngaphezulu.
  • Imali ehlawulwayo yezindlu ezingundoqo ihliswa phantsi kwemfuno kunezo zesibini zamakhaya okanye izinto zotyalo-mali.

Ukuqhekeza Inkolelo Yokubhatala Engaphantsi Ye - 20%

Abaninzi kubathengi bokuqala bakholelwa ukuba imali ehlawulwa phantsi ngama-20% iyimfuneko. Ngokwenyani, ngokweNgqungquthela yesiZwe yooModetor, ijelo lonxibelelwano lokuhlawula abathengi bokuqala laliyi 8% ngowama-2023, kwaye abaninzi babeka phantsi 0-6%. Imali-mboleko karhulumente kunye neenkqubo zekomfako ezihlawulwa phantsi zesiqhelo zenze ukuba umnini-khaya afikeleleke ngemali encinane kakhulu.

Ngeli xesha ama-20% ephelisa iPM kwaye enika intlawulo ephantsi yenyanga, iminyaka elindeyo ukugcina loo mali ingabiza amathuba aneleyo njengoko amaxabiso ekhaya kunye nenzala inyuka. Ukuthenga ngentlawulo encinane ephantsi kunye nokuphinda ingeniso kamva kusenokuba yintshukumo ecwangcisiweyo. Isitshixo kukuqhuba amanani, kuquka iindleko ze-PMI, kwaye uthelekise iindleko zonke zenyanga nexesha elide ngokuchasene noqingqo-mali lwakho.

Indlela Yokugcina Ubhatalo Lwasezantsi Kwikhaya Lokuqala

Ukuhlawula intlawulo ephantsi kufuna uqeqesho, kodwa iindlela ezininzi zinokuyikhawulezisa inkqubela.

Zibekele Usukelo Olukhethekileyo Nexesha

Qalisa ngophando lwamaxabiso asekhaya kwindawo ojolise kuyo. Sebenzisa ipesenti yemali ekhoyo ehlawulwayo, efana ne-3.5% kwimali-mboleko yeFHA okanye 5% kwimali-mboleko eqhelekileyo. Emva koko sebenza uhlenga-hlengisa: ukuba ufuna ii-$2,000 kwiinyanga ezingama-24, kufuneka ubeke bucala ii-$4,50 (R1,50) nyanga nganye. Injongo ecacileyo, emananini yenza ukuba kugcinwe imali ecacileyo.

Yenza Uhlaziyo Lohlahlo

Jonga zonke iindleko ubuncinane inyanga enye. Letha izinto njengezibalulekileyo okanye ezifanelekileyo. Nciphisa ukusetyenziswa kwee-asethi ezingeyonxalenye yemali kwaye utshintshele ezo mali kwityala lemali elinikezelweyo elipheleleyo.

Hlola Iinkqubo zoncedo ezibhatala phantsi

Imibutho emininzi inika iimali-mali ezinika kunye nezingathanga zininzi ezihlawula imali ehlawulwayo ngokukhethekileyo. Iinkqubo ezinjengemali-mali yeChenoa (FA), iNgxowa-mali yeSizwe, kunye neenkqubo zendlu yorhulumente wasekuhlaleni zingagubungela isahlulo okanye yonke intlawulo yomgangatho. Ukunganyaniseki kusoloko kuxhomekeke kwingeniso, indawo, okanye kumsebenzi. Sebenzisa i- I-HUD emakhaya ebithenga iphepha leenkqubo [ ukufumana ubuncwane kwimo yakho.

Cinga Ngemali Yezipho

Iinkqubo ezininzi zokubolekisa zivumela ukuhlawula izipho ezivela kumalungu entsapho, xa kukho imithetho ethile elandelwayo. Ababolekisi baya kucela ileta eqinisekisa ukuba akukho kuhlawula. KwiFHA kunye nemali-mboleko eqhelekileyo, eso sipho singayigubungela yonke intlawulo nokuvala iindleko. Oku kunokuba ngumthombo onamandla kubathengi kunye nezalamane ezixhasayo.

Uvavanyo lwe-Akhawunti yoMhlalaphantsi

Amalunga nama-401(k) izicwangciso zivumela iimali ezibolekiweyo okanye ukurhoxa kweengxaki zokuthenga indawo yokuhlala ephambili. Ngoxa oku kunokunikezela ngemali ngokukhawuleza, kusemngciphekweni wokugcinwa komhlala-phantsi kunye nezigwebo ezinokwenzeka. Imali-mboleko e-401 (k) imele ihlawulelwe, kwaye ukuba wahlukana nomqeshi, umlinganiselo unokuba nguwo ofanelekileyo. Lumkisa iziphumo zexesha elide ngaphambi kokuba usebenzise imali yomhlala phantsi.

I - inshorensi Yabucala: Oko Ufanele Ukwazi

Xa umthengi ebeka ngaphantsi kwama-20% phantsi kwimali-mboleko eqhelekileyo, i-PMI iyafuneka. Unyuso lungahlawulwa nyanga nganye, njengentlawulo enye yangaphambili, okanye eyohluliweyo. I-PMI ikhusela umbolekiso, hayi wena, xa kunokwenzeka ukuba ungagqibekanga. Noko ke, ivumela abathengi ukuba bathenge ikhaya elinemali encinane. Indleko iyahluka ngokwemali yetyala, ityala eliphantsi, nohlobo lwemali ebolekisiweyo; uluhlu oluqhelekileyo lwemali-mali ebhankisweni ukusuka ku 0.5% ukuya ku 1.5% yobungakanani bemali ebolekiweyo.

Kwimali-mboleko yeFHA, i-inshorensi yetyala iyanyanzeleka nokuba ingakanani imali ehlawulwayo. Umlinganiselo wemali-mboleko yonyaka we-MIP ebolekiweyo engaphantsi kwesihlanu sepesenti kwimali ekwiminyaka engama-30 engaphantsi udla ngokungu 0,5% yomlinganiselo wemali ebolekiweyo ngonyaka. Xa kuhlawulwa phantsi i-10% okanye ngaphezulu, i-MIP ingarhoxiswa emva kweminyaka eli-11. Ukuqokelela iindleko zemali ngaphambi kwexesha kukunceda ukhethe phakathi kokhetho lwemali-mali-mboleko yokukhuphisana.

Ukukhetha Imali Efanelekileyo Yokuhlawula Ngemeko Yakho

Ukukhetha ukuba kungakanani okumele ukubeke phantsi akuthethi nje ukudibana nomlinganiselo omncinci wombolekisi. Kubandakanya ukulungelelanisa iimfuno zemali ezikhawulezileyo nempilo yemali yexesha elide. Zibuze le mibuzo:

  • Ndifumana imali engakanani ngaphandle kokufumana imali eninzi?
  • Imali yam yonke yokuhlala nyanga nganye iya kuba phantsi kweziphi iimeko ezahlukahlukeneyo zokuhlawula, kuquka iPMI nerhafu?
  • Xa kufutshane ndiza kuyeka iPMI, ngoko ukuhlawula imali eninzi kusenokungabi luncedo kangako.
  • Injani imarike yasekuhlaleni? Kummandla ongxamisekileyo, ukuthenga ngokukhawuleza ngentlawulo ephantsi kungadlula iindleko ze-inshorensi ezongezelelekileyo.

Ukusebenzisa la manani ngekhaltyuleyitha lendlu okanye igosa elibolekisa ngemali kungabonisa indlela ekufaneleke kakhulu. Maxa wambi ukubeka i10% phantsi nokusebenzisa imali eseleyo kwimali yemali yoxakeka okanye ulungiso oluncinane kulungile kunokuwolula ama-20%.

Iimpazamo Eziqhelekileyo Abathengi Bexesha Lokuqala Benziwe Ngokubhatala Ngeebhanki Zasezantsi

Nabathengi abalungiselwe kakuhle bangakhubeka. Ziphephe ezi mpazamo zisoloko zikho:

  • A intlawulo edidayo: Imali ephantsi iyinxalenye yemali efunekayo. Iindleko zokuvala zisebenza 2% ukuya kwi 5% yexabiso lentengo kwaye kufuneka zibhaliswe etafileni yendlu ngaphandle kokuba ziboleleke kwimali ebolekisiweyo okanye zigqunywe yimvume yokuthengisa.
  • Ukubeka yonke imali egciniweyo: Ukuba “ngamahlwempu akwindlu” ngokufaka yonke imali ehlawulwayo phantsi ishiya ikhusi lingalungisi lulungiso, iirhafu zempahla, okanye iziganeko zobomi ezingalindelekanga.
  • [[FLT: 0] Ukubolekisa ababolekisi bevenkile: Ababoleki abahlukeneyo banganikela iimfuno zentlawulo ezahlukahlukeneyo, ixabiso lePMI, kunye nerhafu. Ukufumana iingcaphulo ezivela kubaboleki abathathu kungaphumela kwibhanki enkulu.
  • Uncedo lokunika uncedo luxhomekeke kuphela kwinkcitho: Iinkqubo ezininzi zokuhlawula zinemida yengeniso eninzi ngokwaneleyo kubavuni abaphakathi. Ngokugqithisileyo zishiya imali yamahhala etafileni.
  • [[UMTL: 0] Ukukhupha imvume yangaphambili: unobumba osetyenziswa ngaphambi kokuba ubhatale uzakucacisa intlawulo oza kuyifuna phantsi kunye nemali ebolekiweyo onokuyithenga. Ukutsiba eli nyathelo kungakhokelela ekuphoxekeni xa ukhangela amakhaya.

Imeko kunye noovimba bobulali Ofanele Ubekele Uphando

Phantse lonke urhulumente unika uhlobo oluthile loncedo lokuthenga ekhaya. Umzekelo, i-California House House Genance Agency (CALHFA) inika imali-mboleko ehlawulwayo encinane ukuze ihlawule intlawulo. ISebe leTexas le House neMicimbi yoLuntu linikela iinkqubo ezifanayo. Iingingqi ezininzi zasekuhlaleni nazo ziyasebenzisa inyathelo lazo. Ukukhangela ngokukhawuleza “[urhulumente wakho] inkqubo yokuqala yokuthenga ekhaya. kunye notyelelo IBhunga loMbutho loMbutho weRhulumente yeHPriat yoncedo lweRhulumente Active liza kuvula amathuba okunokwenzeka.

Iingcinga Zokugqibela

Ukuqonda iimfuno ezincinane zokuhlawula kunika ukukhanya kwindlela ekwindawo yomnini-ndlu enokuba kufuphi kunokuba ucinga. Ukusuka ku-0-sehla VA kunye ne-USDA imali-mboleko kwi 3% yeenketho eziqhelekileyo kunye ne 3.5% yeFAKA, ityala lemali yemali yendlu yendlu, ii-odola zexesha lokuqala, zinokukhetha okungaphezulu kunangaphambili. Ukuhlawula kwasekunene kuhambelana noqingqo-mali, ukugcina imali, neenjongo ezinde zexesha elide. /=$htnorever neprojectal directors, isebenzisa amanani-iphesenti-ngendlela, kwaye uphephe imigibe eqhelekileyo, ungangena kwindlu yomnini-yakho ngentembelo, uxhotyiswe ngolwazi kunye nocwangciso olusebenzayo.