I- izikolo zesikweletu ngokuvamile isukela ku- 300 no-850 , futhi ababoleki ngaphakathi kobubanzi obuthile bangafanelekela ukuthola imali mboleko yezindlu. Ngenkathi ungadingi amaphuzu aphelele wekhredithi angu-850 ukuze uthole amanani angcono kakhulu okubambisa ngempahla, kunezidingo ezijwayelekile zesikweletu ozodinga ukuhlangabezana nazo ukuze uthole imali mboleko.
- Isilinganiso esiphansi sesikweletu ozodinga ukuthenga ikhaya sizohluka ngokuya ngombolekisi nohlobo lwemalimboleko.
- Ngemalimboleko ejwayelekile, uzodinga amaphuzu wesikweletu okungenani angama-620. Kepha ngemalimboleko ye-FHA, VA, noma ye-USDA, ungakwazi ukwazi ukuthola amaphuzu aphansi.
- Ukuze ufanelekele amanani enzalo amahle kakhulu ekubanjisweni kwempahla, lwela ukuthola amaphuzu esikweletu okungenani angama-760.
Abathengi basekhaya abalindelekile kufanele bahlose ukuthola amaphuzu esikweletu angama-760 noma ngaphezulu ukuze bathole amanani entengo yenzalo enhle kakhulu.
Kodwa-ke, izidingo eziphansi zokulinganiswa kwesikweletu ziyahlukahluka ngokuya ngohlobo lwemalimboleko oyitholayo nokuthi ngubani oyifakelayo. Ohlwini lwethu olungezansi, imalimboleko ejwayelekile neyejumbo ayinayo imishwalense kahulumeni futhi imvamisa inezidingo eziphakeme zezikweletu uma kuqhathaniswa nemalimboleko esekelwa nguhulumeni efana nemalimboleko ye-VA.
Ukuba nesikweletu esiphezulu sesikweletu kwenza umehluko omkhulu enanini lemali oyikhokhayo ngesikhathi semalimboleko. Ababoleki abanamaphuzu ebangeni eliphakeme kakhulu bangakwazi gcina izinkulungwane zamadola ekukhokhelweni kwenzalo ngempilo yesibambiso.
Ngidinga isikweletu esingakanani ukuthenga indlu?
Lezi yizidingo ezisezingeni eliphansi lesikweletu semalimboleko ehlukahlukene yasekhaya, kusetshenziswa ukulinganiselwa kwe-FICO.
1. Imalimboleko ejwayelekile
Kudingeka amaphuzu amancane esikweletu: 620
Imalimboleko ejwayelekile yezindlu ayiqinisekisiwe yi-ejensi kahulumeni, njengoMnyango Wezilwane Zase-US noma uMnyango Wezolimo wase-US. Izimalimboleko ezijwayelekile zingaqinisekiswa ngenye yalezi zinkampani noma umbolekisi wangasese. Lezi zimali mboleko ziyabiza kakhulu futhi zidinga isilinganiso esincane sesikweletu esingu-620. Inani lokukhokha liphansi liyahluka.
Izimalimboleko ezijwayelekile zehlukaniswe zaba yimalimboleko ehambisanayo nengahambisani ngokuya ngokuthi iyahlangabezana yini noma iyalandela imithetho yemalimboleko esungulwe nguFannie Mae noFreddie Mac. Imalimboleko ehambisanayo ilandela amazinga asungulwe yilezi zinhlangano, njengamanani aphezulu emalimboleko, ngenkathi imali mboleko engahambisani ingadlula leyo mikhawulo futhi ibhekwe njengemali mboleko ye-jumbo, lapho sixoxa khona ngezidingo zesikweletu sokwalandelayo.
2. Imalimboleko kaJumbo
Kudingeka amaphuzu amancane esikweletu: 680
Imalimboleko enkulu idlula umkhawulo wemali ebekiwe ebekwe yi-Federal Housing Finance Agency. Lezi zimali mboleko azikufanele ukuvikelwa nguFannie Mae noma uFreddie Mac, okusho ukuthi ababolekisi babeka engcupheni enkulu uma wehluleka ukukhokha. Ngenxa yamanani amakhulu emalimboleko nobungozi balezi mboleko, ababoleki kumele bahlangabezane nezidingo eziphakeme zezikweletu okungenani ezingama-680. Njengemalimboleko ejwayelekile yokuvumelanisa, imali ekhokhwayo ephansi iyahlukahluka.
3. Imalimboleko ye-FHA
Kudingeka amaphuzu amancane esikweletu: 500 (nge-10% kusengaphambili) noma ngo-580 (kusengaphambili ngo-3.5%)
Imalimboleko ye-FHA iqinisekiswe yi-Federal Housing Administration futhi iyindlela yokuboleka ababhekwa njengengozi ephezulu ngenxa yezikolo eziphansi zezikweletu nemali encane yokukhokha phansi. Izidingo zokulinganiswa kwekhredithi ziyehluka ngokuya ngenani lemali ohlela ukulifaka. Ababoleki abanamaphuzu aphezulu wesikweletu bangafanelekela ukukhokhelwa okuphansi.
Nakhu ukuwohloka:
- Isilinganiso esiphansi sesikweletu esingu-500, sidinga ukukhokhelwa okungu-10% phansi
- Isilinganiso esiphansi sesikweletu esingu-580, sidinga ukukhokhelwa okuphansi okungu-3.5%
Khumbula ukuthi uma ukhokha imali engaphansi kwama-20%, ababolekisi cishe bazokucela ukuthi uthenge i-Primary Mortgage Insurance (PMI) ukukhokhela izindleko uma kwenzeka wehluleka. I-PMI ingabiza kusuka ku-0.5% kuye ngaphezu kuka-2% wemali mboleko yakho minyaka yonke, kuya nge Okuhlangenwe nakho .
4. VA loan
Kudingeka amaphuzu amancane esikweletu: Akekho ngokusemthethweni, yize ababolekisi abaningi bekhetha ama-620
Imalimboleko ye-VA (Veterans Affairs) iqinisekiswe nguMnyango Wezilwane Zase-United States futhi yakhelwe amalungu afanelekayo omphakathi wezempi kanye nabalingani bawo. Lolu hlobo lwemalimboleko aludingi ukukhokha phansi. Futhi yize i-VA ingazibeki izidingo zamaphuzu esikweletu, iningi lababolekisi lizodinga isilinganiso esincane sesikweletu esingu-620.
5. Imalimboleko ye-USDA
Kudingeka amaphuzu amancane esikweletu: Akekho ngokusemthethweni, yize iningi lababolekisi lithanda ama-640
Imalimboleko ye-USDA iqinisekiswe nguMnyango Wezolimo wase-US futhi ihloselwe abathengi bemakhaya abahola kancane. Ngokufana nemalimboleko ye-VA, i-USDA ayidingi ukukhokhelwa phansi futhi ayimiseli imfuneko emincane yamaphuzu esikweletu. Kodwa-ke, iningi lababolekisi lizodinga ababoleki ukuthi babe nesikweletu esingu-640 noma ngaphezulu.
Siyini isilinganiso esihle sesikweletu sokuthenga ikhaya?
Kuze kube manje sixoxe kuphela ngesilinganiso esiphansi sesikweletu esizobhekwa ngumbolekisi wempahla. Kepha hlobo luni lwamaphuzu esikweletu angakufanelekela ukuthola amanani amahle kakhulu? I-FICO ihlukanisa izikolo zakho zesikweletu ngezigaba ezinhlanu:
| Amabanga wesikweletu se-FICO |
| Ngaphansi kuka-580 | Mpofu kakhulu |
| 580 kuya ku-669 | Kulungile |
| 670 kuya ku-739 | Kulungile |
| 740 kuya ku-799 | Kuhle kakhulu |
| 800 nangaphezulu | Okungajwayelekile |
Ukuzama ukuthola amaphuzu akho esikweletu ku-Good range (670-739) kungaba isiqalo esihle ekufanelekeni kwempahla ebanjiswayo. Kepha uma ufuna ukuthola amazinga aphansi kakhulu, zama ukuthola isikolo sakho ngaphakathi kwebanga Elihle Kakhulu (740 kuya ku-799).
Kubalulekile ukuthi wazi ukuthi amaphuzu akho esikweletu awasona kuphela isici ababolekisi ababheka ngaso ngesikhathi sokubhala phansi. Noma unamaphuzu aphezulu, ukuntuleka kwemali engenayo noma umlando womsebenzi noma isilinganiso esiphakeme sesikweletu semali engenayo kungadala ukuthi imali mboleko ingakhokhelwa.
Izikolo Zesikweletu Zithinta Kanjani Amanani Wenzalo Yemalimboleko
Isikweletu sakho singaba nomthelela omkhulu kuzindleko eziphelele zemalimboleko yakho. Nsuku zonke, I-FICO ishicilela idatha ibonisa ukuthi amaphuzu akho esikweletu angathinta kanjani inzalo yakho nokukhokha kwakho. Ngezansi kunesifinyezo sezindleko zanyanga zonke ze- $ 200,000 yeminyaka engu-30 yemali mboleko ebekiwe ngoJanuwari 2021:
| Amaphuzu esikweletu | APR | Inkokhelo yanyanga zonke |
| 760-850 | 2,302% | $ 770 |
| 700-759 | 2.524% | $ 793 |
| 680-699 | 2.701% | $ 811 |
| 660-679 | 2,915% | $ 834 |
| 640-659 | 3.345% | $ 881 |
| 620-639 | 3.891% | $ 942 |
Lokho ukwahluka kwenzalo okungaphezulu kuka-1.5% nokwehluka okungama- $ 172 ekukhokheleni nyangazonke kusuka kubanga lesikweletu le-620-639 kuya kubanga le-760+.
Lokho kwehluka kungangeza ngokuhamba kwesikhathi. Ngokwe-Consumer Financial Protection Bureau (CFPB) , ikhaya elingama- $ 200,000 elinenzalo engu-4.00% libiza u- $ 61,670 ngaphezulu ngaphezulu iminyaka engama-30 kunesibambiso esinezinga lenzalo ka-2.25%.
Ungayithuthukisa kanjani amaphuzu akho esikweletu ngaphambi kokuthenga ikhaya
Isinyathelo sokuqala sokwenza ngcono isikolo sakho ukuthola ukuthi uklelaphi. Ungahlola umbiko wakho wesikweletu mahhala kanye ezinyangeni eziyi-12 ngama-bureau amathathu amakhulu wesikweletu (iTransUnion, i-Equifax ne-Experian) ku I-OnlineCreditReport.com .
Uma uthola amaphutha kunoma yimiphi imibiko yakho, ungaphikisana nayo ne-credit bureau, kanye nombolekisi noma inkampani yekhadi lesikweletu. Uma kukhulunywa ngesilinganiso sakho sesikweletu, ibhange lakho noma okhipha ikhadi lesikweletu angakunikeza isikolo sakho mahhala. Ngaphandle kwalokho, ungasebenzisa futhi ithuluzi lokuqapha amaphuzu wesikweletu samahhala njengeCredit Karma noma Isikweletu Sesame .
Yini ongayenza uma uthola ukuthi isikolo sakho sidinga uthando oluthile? Umqondo owodwa kungaba ukukhokha izilinganiso zakho zekhadi lesikweletu ukwehlisa isilinganiso sakho sokusetshenziswa kwesikweletu. Futhi, gwema ukufaka isicelo sezinhlobo ezintsha zesikweletu ezinyangeni ezaholela ekufakeni isicelo sokubambisa ngempahla.
Futhi, okubaluleke kakhulu, khokha izikweletu zakho ngesikhathi njalo ngenyanga. Umlando wakho wokukhokha uyisici esikhulu kunani lesikweletu sakho. Ukwakha umlando ongaguquguquki wezinkokhelo ngesikhathi kuzohlala kuyindlela eqinisekile yokuthuthukisa isikolo sakho.
Okuqukethwe
- Ngidinga isikweletu esingakanani ukuthenga indlu?
- 1. Imalimboleko ejwayelekile
- 2. Imalimboleko kaJumbo
- 3. Imalimboleko ye-FHA
- 4. VA loan
- 5. Imalimboleko ye-USDA
- Siyini isilinganiso esihle sesikweletu sokuthenga ikhaya?
- Izikolo Zesikweletu Zithinta Kanjani Amanani Wenzalo Yemalimboleko
- Ungayithuthukisa kanjani amaphuzu akho esikweletu ngaphambi kokuthenga ikhaya