Isikhathi sokuqala sokuthenga usizo kuhulumeni, izinhlelo zosizo lokuthenga emakhaya. Ukuthenga ikhaya okokuqala ngqa Kungasabisa uma ungajwayele inqubo. Ngenhlanhla, kuneziningana federal aid ukuthenga indlu kanye noxhaso lomthengi wokuqala ngqa olutholakalayo ukukusiza ukuthi ufinyelele umgomo wakho wokuba ngumnikazi womuzi kalula futhi ngemali encane ephuma ephaketheni.
Senze uhlu lwezinhlelo eziyi-8 zokuqala zabathengi okufanele zibe ku-radar yakhofuthi bayoba khona siza ukuthenga indlu , lapha konke usizo lukahulumeni lokwakha izindlu .
Isifinyezo: Izimalimboleko nezinhlelo zomthengi okokuqala ngqa ekhaya
izinhlelo zikahulumeni zokuthenga izindlu
Ungayithenga kanjani indlu okokuqala ngqa, Izinhlelo Zikahulumeni Zokuthenga Amakhaya .Nayi eminye imalimboleko yomthengi oyisizo sokuqala kanye nezinhlelo ongangeqa uma uphuthuma kule nqubo. Bangathola ukonga okukhulu.
- Imali mboleko ye-FHA : uhlelo olubuthakathaka kakhulu lwemalimboleko yabathengi bezindlu.
- VA loan : Azikho izimali mboleko zangaphambilini zababolekisi abanokuxhumeka kwezempi.
- Imali mboleko ye-USDA : Izimali eziyi-100% ezindaweni zasemakhaya.
- UFannie noFreddie : izimalimboleko ezijwayelekile ezinokukhokha okuphansi okungama-3% kuphela.
- Uhlelo Lokuqala Lomthengi Wekhaya : usizo oluthile lwabahlali.
- Imalimboleko yokuvuselela indawo yokuhlala: thenga ikhaya uphinde ulungise kabusha ngesikweletu esisodwa.
- Umakhelwane Omuhle : Izaphulelo kumanani ezindlu zabaphenduli bokuqala kanye nabafundisi.
- Amakhaya eDola : Amakhaya adliwe ukuthengiswa nguhulumeni.
Imali mboleko ye-FHA
Lolu uhlelo lokuya kwabaningi baseMelika, ikakhulukazi okokuqala abathengi basekhaya nalabo abanomlando wesikweletu okungukuthi… ake sithi abangazinzile. I-Federal Housing Administration iqinisekisa ingxenye yemalimboleko yenkampani yenkampani. FHA , kukhulula ababolekisi ukuze bandise amazinga abo okwamukelwa. Isekelwa yi-FHA, ababoleki bangafanelekela ukubolekwa imali okungaphansi kuka-3.5% phansi.
Izimalimboleko ze-FHA zinezindleko ezengeziwe zokuqala neziqhubekayo ezakhelwe ku: amaphrimiyamu omshuwalense wempahla ebanjiswayo. Lokhu kuvikela isabelo sombolekisi semalimboleko uma kwenzeka kwenzeka iphutha.
VA loan
I- UMnyango Wezempilo Wase-United States isiza amalungu enkonzo, omakadebona, kanye nabashadile abasindile ukuthenga amakhaya. Imalimboleko ye-VA iphana ngokukhethekile, imvamisa ayidingi ukukhokhelwa phansi noma umshuwalense wempahla. Kepha njengokusebenza okuningi kwamasosha, iphaseji yakhelwe ukucacisa, hhayi isivinini.
Ngenkathi i-VA inezidingo ezimbalwa zezinto ezinjengezikweletu ezanele nemali engenayo, ababolekisi be-VA bangangeza okwabo ukunqwabelanisa noma izidingo ezingeziwe.
Imali mboleko ye-USDA
Lokhu kungakumangaza. I- UMnyango Wezolimo wase-United States inohlelo losizo lomthengi wasekhaya. Futhi cha, awudingi ukuhlala epulazini. Lolu hlelo lubhekise ezindaweni zasemakhaya futhi luvumela u-100% wezezimali ngokunikeza ababolekisi iziqinisekiso zokubambisa ngempahla. Kukhona ukulinganiselwa kwemali engenayo, ehlukahluka ngesifunda.
UFannie noFreddie
Zizwakala njengama-classic 70s rock band, kepha uFannie Mae noFreddie Mac yizinjini ngemuva komshini wokubolekwa kwemali ekhaya. Lezi zinkampani ezivunyelwe uhulumeni zisebenza nababolekisi bendawo ababambise ngemali ukunikela ngezinketho ezithile ezikhangayo ngaphezu kwemali mboleko ejwayelekile, njengokukhokhwa okungu-3%.
Izinhlelo Zokuqala Zomthengi Wekhaya
Ngaphezu kwalezi zinhlelo zikazwelonke, ohulumeni abaningi bezwe nabasekhaya banikela ngosizo kubathengi basekhaya. Hlola uhlu lukaNerdWallet lohlelo lwezinhlelo zokuqala zabathengi ukuze ufunde kabanzi.
Izinhlelo zemalimboleko yokuvuselela ikhaya
Nazi ezinye izinhlelo ezikuvumela ukuthi uthenge izindlu eziningi ngemali yakho.
- Uhlelo Imali Ebolekwayo Eyonga Amandla Nweba amandla akho okuboleka uma uthenga indlu enokuthuthuka kokonga amandla noma ukuthuthukisa izici eziluhlaza zekhaya. Uma ufanelekela ukuthola imali mboleko yendlu, ungangeza inzuzo ye-EEM kwempahla yakho oyibolekise njalo. Akudingi ukuhlolwa okusha noma kuthinte inani lenkokhelo yakho yokuqala. Lolu hlelo lumane luvumele umbolekisi wakho ukuthi abe nezimo zokunweba imikhawulo yemalimboleko ukuthuthukisa ukusebenza kahle kwamandla.
- Kukhona nemalimboleko ye-FHA 203 (k), eyenzelwe abathengi abafuna ukubhekana ne-fixer ephezulu. Lesi sikweletu esikhethekile esisekelwa yi-FHA sibheka ukuthi impahla izoba yini emva kokuthuthuka futhi sikuvumela ukuthi uboleke imali yokuqedela iphrojekthi njengengxenye yemali oyibolekile eyinhloko.
Lezi zinhlelo zemalimboleko zenzelwe abathengi abafuna ukubhekana nokulungiswa okuphezulu.
- Imalimboleko Yokuvuselelwa KOKUKHETHA uhlelo olujwayelekile lwemalimboleko ngoFreddie Mac ekuvumela ukuthi ukhokhele ukuthenga kwekhaya nezindleko zokwenza ngcono, futhi, ngezinkokhelo eziphansi.
- I-HomeStyle kaFannie Mae kungenye indlela ejwayelekile yemalimboleko yokuthenga nokulungisa amaphrojekthi. Imali yokuqala phansi engu-3% iyatholakala kubathengi bokuqala emakhaya.
Umakhelwane Omuhle
Lesi sinyathelo ekuqaleni sasibizwa nge-Teachers Next Door Programme, kepha sandiswa ukuze sifake abomthetho, izicishamlilo, nochwepheshe bezokwelapha eziphuthumayo, yingakho igama elibi elithi Good Neighbor. Uhlelo oluxhasiwe yi-HUD, luvumela izaphulelo ezingama-50% kusuka kunani lohlu lwamakhaya atholakala izindawo zokuvuselela . Yebo, phakathi.
Kwazi bani? Kumele uzibophezele ekuhlaleni impahla okungenani izinyanga ezingama-36. La makhaya abhalwe phansi, izinsuku eziyisikhombisa nje, kuwebhusayithi yokuthengisa Umakhelwane Omuhle .
Izindlu zeDola
Lokhu kuzwakala kungelinye lalawo madili we-TV asebusuku kakhulu, kepha I-HUD ithi inikela ngamakhaya ayi- $ 1 ezitholwe yi-FHA ngokudilizwa kwangaphambili. Ngokusobala, leli yiqembu elincane lezindlu. Ekuhloleni kokugcina, kuvele kuphela ukufakwa kuhlu okumbalwa kuwebhusayithi. Kuyathakazelisa ukuthi indlu esiyibuyekezile esigabeni seDola Home ibonakale ngathi isohlwini lwama- $ 17,900. Asinasiqiniseko sokuthi kuyini, kodwa sicela uthenge ngokucophelela.
Ukusebenzisa enye yalezi zinsiza kungakusiza ukuthi uthenge indlu ngemali ephansi, wehlise inzalo yakho, noma uthole nokuthengiselana endaweni yangakini. Ngemuva kwalokho ungaba nomcimbi wakho wokuvula ekhaya lakho elisha.
Ngubani ofanelekela izinhlelo zokuqala zomthengi wasekhaya?
Siza ngokuthenga ikhaya okokuqala ngqa .Iningi lezinhlelo zikahulumeni nezingenzi nzuzo zinencazelo eqinile yomthengi okokuqala ngqa. Uma ungenalo uhlobo lwekhaya eminyakeni emithathu edlule, uthathwa njengomthengi okokuqala ngqa.
Awukwazi ukuthola izinzuzo zobuninikhaya okokuqala uma unendawo yokuqasha noma yokutshala imali, noma ungahlali kuyo. Uma ukhetha imali mboleko esekelwa nguhulumeni, njengemalimboleko ye-USDA noma imalimboleko ye-FHA, khumbula ukuthi ikhaya lakho kufanele futhi lihlangabezane namazinga athile ngaphambi kokufanelekela. Izinhlelo zikahulumeni nezasekhaya nazo zivame ukuba nemikhawulo yemali engenayo.
Ukukhishwa kwentela nezinhlelo ezixhaswe umqashi zivame ukuguquguquka. Ungadonsa umshwalense wakho wempahla endlini yakho noma ngabe unezinye izakhiwo. Izinhlelo ezixhaswe ngumqashi zisencwadini yomqashi kanye nomxhasi wombuso uma ikhona.
Izinhlelo eziningi zokubambisana komqashi nombuso nazo zisebenzisa umthetho weminyaka emithathu, okusho ukuthi ungabhekwa njengomthengi wokuqala ekhaya uma ungenayo indawo yokuhlala yokuhlala okungenani iminyaka emithathu ngaphambi kokuthenga kwakho.
Isifinyezo
Abathengi bekhaya lokuqala banokuthola izibonelelo eziningi, izimalimboleko, nosizo lwezezimali olungenza ukuthenga ikhaya kube lula. Usizo lokuthenga okokuqala kungafaka usizo ngezindleko zokukhokha nokuvala, izikweletu zentela, noma imfundo. Ungahle ukwazi ukuthola usizo kusuka kuhulumeni wangakini, wesifundazwe, noma wesifundazwe uma uhlangabezana namazinga wokuthola imali.
Izinhlelo zokupha, izinhlangano ezingenzi nzuzo, nabaqashi ziyatholakala. Lezi zinhlelo ziyahlukahluka ngezwe, kepha ungathola kalula izinhlelo ozifanelekela ukuthola iwebhusayithi ye-HUD. Njengomthengi okokuqala, awunakuba nempahla eminyakeni emithathu edlule.
Ukuzikhulula: Le yindatshana yolwazi.
IRedargentina ayinikezi izeluleko zomthetho noma zomthetho, futhi akuhloselwe ukuthi ithathwe njengeseluleko sezomthetho.
Umbukeli / umsebenzisi waleli khasi lewebhu kufanele asebenzise imininingwane engenhla kuphela njengomhlahlandlela, futhi kufanele ngaso sonke isikhathi axhumane nemithombo engenhla noma abamele uhulumeni abasebenzisayo ukuthola imininingwane esesikhathini ngaleso sikhathi, ngaphambi kokwenza isinqumo.
Okuqukethwe
- Isifinyezo: Izimalimboleko nezinhlelo zomthengi okokuqala ngqa ekhaya
- Imali mboleko ye-FHA
- VA loan
- Imali mboleko ye-USDA
- UFannie noFreddie
- Izinhlelo Zokuqala Zomthengi Wekhaya
- Izinhlelo zemalimboleko yokuvuselela ikhaya
- Umakhelwane Omuhle
- Izindlu zeDola
- Ngubani ofanelekela izinhlelo zokuqala zomthengi wasekhaya?
- Isifinyezo
- Kufanele ngithole malini ukuthenga indlu e-USA?
- Ngidinga isikweletu esingakanani ukuthenga indlu?
- Izidingo Zomshado Womphakathi e-United States
- Ungazithola Kanjani Izincwadi Zesitembu Sokudla Nge-imeyili
- Ngingayithenga Kanjani Indlu Uma Ngingenakho Ukuphepha Komphakathi?
- Izidingo Zokuthenga Ikhaya EFlorida