Ungayithenga kanjani indlu ngaphandle kwenkokhelo? Uyithenga kanjani indlu ngaphandle kwemali.
Ukuthola imali yokukhokha phansi kungaba yisithiyo esikhulu kunoma ngubani ofuna ukuba ngumninikhaya.
Iningi le- Ochwepheshe bezezimali bancoma ukuthi bahlose ukukhokha okungama-20% ukugwema ukhokhe ngaphezulu njalo ngenyanga ngoba umshwalense wempahla oyimfihlo . Uma unomuzwa wokuthi ukonga okuningi kungenzeka kungenzeki, awuwedwa. Ngokuya ngemininingwane evela ku- Realtor.com , umthengi ojwayelekile weminyaka eyinkulungwane washiya isilinganiso esingu-8.8% wentengo yabo yokuthenga ekhaya kusukela ngoDisemba 2019.
Ngenhlanhla, kunezinye izindlela kunokusebenzisa imali mboleko ejwayelekile yini engakwazi ikusize uthenge ikhaya ngaphandle kwemali ekhokhwayo . Uhulumeni wase-United States unikeza abathengi bemakhaya imali ebolekiwe besesimweni sezezimali, kepha-ke kukhona okuthengiswayo.
Ngenkathi lezi mboleko zingaba nemibandela evumayo, njenge amanani entengo aphansi , kuvame ukubakhona kwe- izinga eliphezulu leziqu . Ukuthola enye yalezi zimali mboleko nakho akukukhululi ngokuphelele, ngoba usadinga ukheshi ukumboza izindleko zokuvala , futhi uma ususendlini, izinkokhelo zanyanga zonke zempahla ebanjiswayo.
Ngezansi kukhona ifaka izikweletu ezintathu ezivame kakhulu ezisekelwa nguhulumeni kubathengi basekhaya, banikezwa yizinhlobonhlobo zababolekisi ezweni lonke. Qaphela ukuthi amazwe amaningi ahlinzeka ngezinhlelo zawo zosizo lwemali mboleko yezindlu, ikakhulukazi kubathengi bemizi yokuqala.
Imalimboleko Yezemfuyo (Veterans Affairs (VA)
Amalungu ezempi asebenzayo nawayekade ekwazi ukufinyelela Imalimboleko yeVeterans Affairs (VA) ukuxhasa ngemali ukuthengwa kwe- indlu efinyelela ku- $ 484,350 ngo-2019 , imvamisa enenzalo ephansi kunesibambiso esijwayelekile. Le mali mboleko ayidingi ukukhokhelwa phansi noma umshwalense wempahla, kepha iza neziqondiso eziqinile, kufaka phakathi ukuhlangabezana nezinga eliphansi lezidingo zempahla.
Umthengi kufanele futhi akhokhe imali yezimali, evikela obolekisayo uma kwenzeka kwenzeka iphutha. Inani eliqondile lemali lincike ekusebenzeni kwezempi komthengi, inani lokukhokha phansi, nokuthi ngabe bake baba nemalimboleko ye-VA phambilini, futhi ivezwa njengephesenti lemali mboleko ephelele ( imvamisa ingaphansi kuka-3% ), kuchaza uNerdWallet . Imali ingakhokhwa ngaphambi kwesikhathi noma ingezwe enanini lemali mboleko.
Izindleko zokuvala ngokuvamile zikhawulelwe ngemalimboleko ye-VA, yize umthengi esenomthwalo wokuzikhokha ezimweni eziningi.
Imalimboleko evela eMnyangweni Wezolimo wase-United States (USDA)
Imalimboleko ye- UMnyango Wezolimo wase-United States (USDA) isiza abantu ezindaweni zasemakhaya ukuthi bathenge izindlu ngemali yokuqala zero. Ukufanelekela i- Uhlelo Lokubolekwa Kwemali Olodwa Oluvikelekile , kufanele ihambisane nokuthize izidingo zemali engenayo , ochazwe ngokuthi imali engenayo phansi kuya kokulingene, okuhluka ngezwe. I-USDA inenkululeko impela nencazelo yayo yasemakhaya futhi ibheka nezindawo ezithile zasemadolobheni (ungabheka amakheli athile usebenzisa le mephu kuwebhusayithi ye-USDA ).
Asikho isilinganiso esiphansi sesikweletu sokuthola imalimboleko ye-USDA, noma ngabe amaphuzu we- 640 ophakeme futhi isilinganiso sesikweletu sokuthola imali esingaphansi kwama-41% ngokuvamile sikulungela ukubhala ngaphansi okuzenzakalelayo, ngokusho kwe-USDADAloans.com .
Yize kunesibopho sokukhokha ngaphansi, umthengi kulindeleke ukuthi akhokhe i- Imali yokuqala yezimali elingana no-1% yemali mboleko ephelele ukuvikela ekungakhokhini, kanye nemali ethile ye-USDA engu-0.35% ebalwa njengephesenti lemali ebolekiwe unyaka nonyaka, kepha engeza izinkokhelo zanyanga zonke futhi ikhokhelwe kumbolekisi wempahla.
Imalimboleko ye-Federal Housing Administration (FHA)
Imalimboleko ye-Federal Housing Administration (FHA) ivumela abathengi ukuthi bakhokhe kuphela u-3.5% wentengo yokuthenga yendawo yokuhlala eyinhloko, kepha idinga amaphuzu wesikweletu 580 ophakeme futhi isilinganiso sesikweletu sokuthola imali singaphansi kuka 43% . Uma unamaphuzu esikweletu phakathi kuka-500 no-579, kufanele ushiye u-10%.
Izimalimboleko ze-FHA zidinga umshwalense wokubolekwa kwempahla wangasese, owenziwe njengokukhokha phansi kanye nezinkokhelo zanyanga zonke, futhi ngokujwayelekile kuzobuye kube nenani lenzalo eliphakeme kunokubambisa ngempahla okuvamile. Umthengi futhi unesibopho sokuvala izindleko.
I- inani eliphakeme lemali mboleko ye-FHA kuyehluka ngendawo, kepha ngekhaya lomndeni elilodwa kuyehluka kusuka ku- $ 315,515 endaweni enezindleko eziphansi kuya ku- $ 726,525 endaweni ebiza kakhulu ngo-2019.
Ungaluthola kanjani usizo lokukhokha?
Kunezinhlelo ezweni lonke zokusiza ababoleki abafanelekile ukuthola inkokhelo ephansi abayidingayo ukuze bathenge indawo yokuhlala eyinhloko.
Kuningi kwe- phansi izinhlelo zosizo lokukhokha Baphatha izimali njengesibonelelo uma uhlala kuleyo ndawo, kepha njengesikweletu uma uthengisa, uKahn uyachaza. Futhi zingalungiselelwa ukugqugquzela abathengi ukuthi bathuthele ezindaweni ezithile.
Izibonelo zezinhlelo zosizo lokukhokha ezitholakalayo:
- E-Denver, uhlelo IMetro Mortgage Assistance Plus unikeza isibonelelo esifinyelela kumaphesenti amane emalimboleko. Imali engenayo yababolekisi akumele yeqe umkhawulo, futhi kungadingeka ukukhokhelwa imali engamaphesenti angu-0.5.
- ESan Diego, abathengi bokuqala abenza amaphesenti angama-80 emali engenayo yendawo bangafaka isicelo se- ukunikezwa kuze kufike ku- $ 10,000 . Ukuthengiselana kuncike kweminye imikhawulo, kufaka phakathi uhlobo lwempahla nentengo yokuthenga.
- EMichigan, abathengi bekhaya lokuqala kulo lonke izwe futhi baphinda abathengi basekhaya ezindaweni ezithile abanesikweletu okungenani esingu-640 bangafaka isicelo se- ukubolekwa kusuka zero amaphesenti phansi kosizo lokukhokha kuze kufike ku- $ 7,500. Lapho ikhaya lithengiswa noma liphinde lavuselelwa, imali mboleko kufanele ikhokhwe ngokuphelele. Obolekayo kumele akhokhe imali engu-1%.
- ECleveland, abathengi abafanelekayo bangathola i- ukubohliswa kwemali mboleko efinyelela kuma-17% wezindleko eziphelele zomsebenzi (intengo yokuthenga kanye namaphesenti ama-5 wezindleko zokuvala). Obolekayo kufanele anikele okungenani ngamaphesenti amathathu ezindleko eziphelele zomsebenzi. Amaphesenti angama-50 ebhalansi yemalimboleko ehlehlisiwe azothethelelwa ngemuva kweminyaka eyishumi yokuhlala, futhi ibhalansi ayidingi ukuthi ikhokhwe kuze kuthengiswe noma kudluliswe. Kwezinye izakhiwo, imalimboleko iguqula isibonelelo ngemuva kweminyaka emihlanu yokuhlala.
- ECalifornia, uhlelo lokuqala losizo lokukhokha lwe- I-GSFA Platinum unikeza ababoleki abahola kancane futhi abalinganiselayo isipho esingabuyiselwa semali esifinyelela kuma-5% enani lasekhaya ekuthengeni noma ekuvuselelweni kwendawo yokuhlala eyinhloko. Isilinganiso esiphansi esidingekayo se-FICO singu-640, kanti isilinganiso esiphezulu sesikweletu sokuthola imali singamaphesenti angama-50. Abanye ababoleki kuzofanele bangene kule mali mboleko yehle ngo-0.5%, kusho uKahn.
Ngabe udinga imali ukuze uvale?
Isidingo semali ethile ukuvala isikweletu asisona inganekwane, ngokuvamile. Izimalimboleko ezivumela umboleki ukuthi athenge ikhaya ngaphandle kwedola elilodwa ephaketheni akuyona into ejwayelekile. Izindleko zokuvala zingangeza kufinyelela kumaphesenti ama-3 kuye kwayi-5 entengo yokuthenga futhi zifaka:
- Imali yokuqala
- Imali yokufaka isicelo
- Imali yokulamula
- Amaphoyinti esaphulelo (noma amaphuzu okubambisa ngempahla)
- Imali ekhokhelwa umuntu wesithathu (kufaka phakathi ukuhlola, ukuhlolwa, umbiko wetayitela, umshuwalense wetayitela, umbiko wesikweletu, isitifiketi sezikhukhula, inhlolovo, nezinye izimali)
- Izinto ezikhokhelwa kusengaphambili (kufaka phakathi umshuwalense wabaninikhaya, intela yempahla, inzalo ekhokhelwa kusengaphambilini)
- Imali yokubhaliselwe
- Imali yokulungiselela imibhalo
Abanye ababolekisi bathembisa ukukhokha imali ethile, mhlawumbe ngenzuzo yenzalo ephakeme emalimboleko. Izinhlelo ezithile zivumela imali ukuthi ingezwe kubhalansi yemalimboleko ukuze ingafanele ukuvalwa (uzobe usukhokha inzalo emalini ekhokhwayo yempilo yemalimboleko).
Ungathola izindlela zokudala izindleko zakho ezingaphandle kwephaketheni. Isibonelo, ilungu lomndeni lingakunika isipho semali yokukhokha phansi futhi lingacela umthengisi ukuthi anikeze imvume (amakhredithi omthengisi) ngezindleko zawo zokuvala.
Ngabe ukubambiswa kwangaphambi kwesikhathi kungumbono omuhle?
I-zero down mortgage mortgage iyindlela enhle kakhulu kumthengi wekhaya onemali elinganiselwe kepha okufanelekile ukuthenga ikhaya.
Ukuthola imali engenayo kanye nokuthenga ngesikweletu kuyizinkomba eziphakeme kakhulu zokulungela ukuba ngumnikazi womuzi kunokukhokha ngemali ephansi, kusho uPaul. Ilungu lamasosha asebenzayo linomholo ozinzile, umholo oqinisekisiwe cishe onamathuba okulahlekelwa umsebenzi. Imalimboleko ye-VA idlula ezinye izinhlobo eziningi zemalimboleko yokukhokha ephansi.
Uma ungenazo izinhlelo zokuthengisa okungenani iminyaka embalwa yokuqala, uzimisele futhi uyakwazi ukubhekela ukunakekelwa kwekhaya, futhi ube nemali engenayo ezinzile, ukubambiswa kwemali okukhokhelwa phansi kungaholela ekubeni ngumnikazi wekhaya eminyakeni edlule. kunalokho obengakwenza uma kufanele wonge imali oyikhokhela phansi.
Ngabe ukubambiswa kwangaphambi kwesikhathi kungumbono omubi?
Imali mboleko enguziro kungenzeka ingabi yindlela enhle kumboleki ongakhokha imali ephansi futhi alondoloze imali ngokuhamba kwesikhathi. Izindleko zokuqala nezinga lenzalo yemalimboleko zivame ukulingana ngokungafani nenkokhelo yokuqala. Lapho ushiya okuningi ekhaya, imibandela iba ngcono futhi uzokhokha okuncane kakhulu.
Ukubolekwa kwempahla kusengaphambili akuwona umqondo omuhle emakethe eyehlayo. Uma uphuthelwa ukukhokha phansi futhi inani lekhaya lakho liyehla, uzoba ngaphansi kwamanzi (uzokweleta okuningi ekhaya lakho kunalokho okufanele emakethe yanamuhla).
Uzolahlekelwa futhi uma uthengisa kungekudala. Kumele ufake iphuzu lokuphumula (iphuzu lapho ukulingana kwakho kudlula izindleko zakho zokuthenga nezindleko zakho zokuthengisa). Lokhu kungachitha iminyaka emihlanu kalula kwimalimboleko. Uma uthengisa phambilini, uzolahlekelwa yimali.
Ekugcineni, imali mboleko engeyona eyezimali akuyona isinyathelo esihle sezezimali somuntu ongakwazi ukubeka eceleni imali njalo. Uzodinga isiyalo esithile sesabelomali ukuze ube nekhaya, noma ungabhekana nesimo esiphuthumayo sezimali lapho ikhaya lakho lidinga ukunakekelwa. Ngeke ukwazi ukuthola imali mboleko yemali uze ube nemali eyanele (uvame ukudinga imali engamaphesenti angama-20 ngemuva kokuvalwa kwemalimboleko), okuzoba yiminyaka eyisishiyagalolunye kuya kwengu-12, kuya ngesilinganiso senzalo yakho.
Ungayithola Kanjani Imali Ebolekiwe Ekhokhelwa Phansi Yemali Okhokha Ngayo?
Cishe bonke ababolekisi bemali mboleko banikela ngemikhiqizo ebolekisayo eminingi ukuhlangabezana nezidingo ezahlukahlukene zababolekayo, kufaka phakathi imali mboleko ephansi. Ababolekisi ezweni lonke banikela ngezinhlelo zokubolekwa kwe-VA, USDA, ne-FHA, ngokwesibonelo.
Lapho usukulungele ukufaka isicelo, zithengele ababolekisi abakhulu nabancane bese uthola ukunikezwa kwemali mboleko eminingi. Izinga lenzalo nezindleko ziyahlukahluka kumbolekisi kuye kumbolekisi, futhi nomahluko omncane ungangezelela kakhulu empilweni yesikweletu.
Qala ngokuqonda kahle isabelomali sakho. Izindleko zobuninikhaya ngokuvamile ziphakeme kunezindleko zokuqasha. Uzoba nesibopho sezindleko ezintsha, njengezintela zempahla, umshuwalense wabaninikhaya, nakho konke ukunakekelwa kwekhaya olithengayo.
Abanye abathengi bazodinga futhi ukwenza isabelomali semali yenhlangano yabaninikhaya. Noma umbolekisi noma umdayiseli ekutshela ukuthi ungakwazi ukukhokha imali ethile, kufanele kube yileyo onethezeke ngayo. Izinhlungu zobunzima bezezimali zingaba zinkulu, kepha akekho okhononda ngokuba nemali eningi njalo ngenyanga.
Okuqukethwe
- Imalimboleko Yezemfuyo (Veterans Affairs (VA)
- Imalimboleko evela eMnyangweni Wezolimo wase-United States (USDA)
- Imalimboleko ye-Federal Housing Administration (FHA)
- Ungaluthola kanjani usizo lokukhokha?
- Ngabe udinga imali ukuze uvale?
- Ngabe ukubambiswa kwangaphambi kwesikhathi kungumbono omuhle?
- Ngabe ukubambiswa kwangaphambi kwesikhathi kungumbono omubi?
- Ungayithola Kanjani Imali Ebolekiwe Ekhokhelwa Phansi Yemali Okhokha Ngayo?