Izidingo zokuthenga indlu eCalifornia. Ingabe ulungiselela ukuthenga ikhaya lakho lokuqala eCalifornia? Indlela eya kubuninikhaya ingaba wuhambo oluthokozisayo, kepha futhi ingaba nzima kakhulu. Ngenhlanhla, kunezinhlelo eziningi namathiphu aklanyelwe ukusiza. Sizokuhambisa ezinye zazo.
Izinhlelo Zokuqala Zomthengi WaseCalifornia
Ungahle ucabange ukuthi ngoba uhlala eGolden State, uzodinga ukonga amashumi ezinkulungwane ukuze ukhokhe imali ephansi futhi ube nesikweletu esiseduze ngokuphelele ukuze ufaneleke ukuthola imali mboleko yendlu.
Ngenhlanhla, akunjalo ngaso sonke isikhathi. Lezi zinhlelo zokuqala zabathengi ekhaya ezivela eCalifornia Housing Finance Agency zenzelwe ukukusiza ukuthi uthenge ikhaya, kungakhathalekile ukuthi unjani ngokwezimali noma ngesikweletu sakho.
1. Uhlelo Olujwayelekile Lwemali mboleko yeCalHFA
Okabani Abathengi abanemali encane yokukhokha phansi.
Uhlelo lweCalHFA olujwayelekile lwemalimboleko lwenzelwe ukusiza abathengi bokuqala baseCalifornia ukuthi bathole imali mboleko ejwayelekile ngokukhokha okuphansi. Imalimboleko ejwayelekile imalimboleko yendabuko yendabuko enikezwa ngamabhange nezinyunyana zezikweletu.
Imalimboleko ejwayelekile yeCalHFA yimalimboleko yeminyaka engama-30, okusho ukuthi ababolekayo bazokhokha imalimboleko iminyaka engama-30 isiyonke. Ababolekisi abahola kancane bangafanelekela amanani entengo aphansi kunamakethe uma besebenzisa iCalHFA ukuthola imali ebolekiwe ejwayelekile.
ICalHFA izokusiza thola umbolekisi ofanelekayo ukucubungula lolu hlobo lwemalimboleko.
Izidingo zifaka:
- Isilinganiso esiphansi sesikweletu esingu-660. Ababoleki abafanelekayo abahola kancane bangafanelekela lezi zimali mboleko ngamaphuzu aphansi njengama-660. Ukuze uthathwe njengomholo ophansi, kufanele ube neholo elingaphansi noma elilingana no-80% Imali engenayo kaFannie Mae Area Median endaweni yangakini. Uma uhola ngaphezulu kwalokhu, uzodinga amaphuzu wesikweletu okungenani angama-680 .
- I-43% noma isilinganiso esiphansi sesikweletu-kuya-imali engenayo. Lokhu kusho ukuthi ukhokha malini kumabhili noma ezikweletini ngokuthi uhola malini ngaphambi kwentela inyanga ngayinye. Ake sithi isikweletu sakho singama- $ 2,000 ngenyanga bese uhola u- $ 6,000 ngenyanga. Isilinganiso sakho se-DTI sizoba ngu- $ 2,000 / $ 6,000 = .33, noma u-33%.
- Imali engenayo ayikwazi ukweqa imikhawulo yemali engenayo yaseCalifornia ngesifunda. Hlola imingcele yakho yesifunda ukuqinisekisa ukuthi imali oyitholayo ayidluli.
- Isimo sokuqala somthengi ekhaya. Ungahle ungafaneleki uma kungesona isibambiso sakho sokuqala.
- Ukuqedwa kwesifundo semfundo yabathengi basekhaya. Ungathola izifundo ezinconyiwe kufayela le- Iwebhusayithi yeCalHFA .
Ungadinga futhi ukuhlangabezana nezidingo ezithile zombolekisi. Imalimboleko yasekhaya yeCalHFA ngokuvamile inezinketho zokukhokha eziphansi ezingaphansi kuka-3% wenani lekhaya lakho. Ake sithi imali mboleko yakho yasekhaya ingama- $ 200,000, ngokwesibonelo. Uzodinga kuphela ukukhokha phansi kwe- $ 6,000.
Amanani emalimboleko yempahla yalolu hlelo ngokuvamile angaphansi kwesilinganiso semakethe, kepha ngokuvamile aphezulu kunamazinga wezinhlelo zemalimboleko yasekhaya esekelwa nguhulumeni.
2. Uhlelo Olujwayelekile Lwemali mboleko yeCalPLUS
Okabani Abathengi abadinga usizo lokuthola izimali zokuvala izindleko.
Izimalimboleko ezijwayelekile zeCalPLUS ziza nazo zonke izici zohlelo lweCalHFA olujwayelekile ngenzuzo eyengeziwe yokukwazi ukukhokhela izindleko zakho zokuvala ngemali mboleko engenzalo.
Isebenza kanjani? Imali mboleko yeCalPLUS inikezwa ngokuhlangana nohlelo lweCalHFA's Zero Interest Program (ZIP). Ababoleki bangakhokha izindleko zabo zokuvala besebenzisa i-ZIP, ebanikeza imalimboleko elingana no-2% noma u-3% wemali ebanjiswayo.
Le mali mboleko ye-ZIP iphethe inzalo engu-0% kanti izinkokhelo zihlehliselwa impilo yemalimboleko yakho yekhaya. Lokhu kusho ukuthi awudingi ukukhokha imali mboleko uze uthengise, uphinde wenze imali noma ukhokhe imali ebanjisiwe.
Ukuze uzuze ngosizo lwezindleko zakho zokuvala, ababoleki beCalPLUS bazokhokha inzalo ephakeme kancane kunabanye ababoleki bemalimboleko beCalHFA.
Izidingo zifaka:
- Isilinganiso esiphansi sesikweletu esingu-660 sababoleki abahola kancane, ubuncane be-680 kulabo abangahlangabezani nezidingo zomholo ophansi.
- Isilinganiso se-DTI esingu-43% noma ngaphansi.
- Imali engenayo ayikwazi ukweqa imikhawulo yemali engenayo yaseCalifornia ngesifunda. Hlola imingcele yakho yesifunda ukuqinisekisa ukuthi imali oyitholayo ayidluli.
- Isimo sokuqala somthengi ekhaya.
- Ukuqedwa kwesifundo semfundo yabathengi basekhaya. Ungathola izifundo ezinconyiwe kufayela le- Iwebhusayithi yeCalHFA .
Izimalimboleko zeCalPLUS zingasetshenziswa nohlelo lweCalHFA lweMyHome ngosizo lokukhokha phansi; Skrolela phansi ukuze ubone isigaba sethu se-MyHome.
3. Uhlelo Lwemali mboleko lweCalHFA FHA
Okabani Abathengi abafuna amanani aphansi emali mboleko.
Uhlelo lokubolekwa kwemali lweCalHFA FHA luyimali mboleko yokuqala yokuthenga impahla esekhaya esekelwa yi-U.S. Federal Housing Administration. Imalimboleko ye-FHA iphephe kakhulu kubabolekisi uma kuqhathaniswa nemalimboleko ejwayelekile ngoba asekelwa uhulumeni wesifundazwe. Ngenxa yalokhu, lezi zimali mboleko zivame ukuba namanani wenzalo ephansi kunemali ebolekiwe ejwayelekile. Lezi zimali mboleko zivumela ababolekayo ukuthi bafake imali engange-3.5%.
Imalimboleko yeCalHFA FHA iyimalimboleko engaguquki yeminyaka engama-30 futhi inikezwa ngabanikeli abakhulu baseCalifornia.
Izidingo zifaka:
- Isilinganiso esiphansi sesikweletu esingu-660.
- Isilinganiso se-DTI esingu-43% noma ngaphansi.
- Imali engenayo ayikwazi ukweqa imikhawulo yemali engenayo yaseCalifornia ngesifunda. Hlola imingcele yakho yesifunda ukuqinisekisa ukuthi imali oyitholayo ayidluli.
- Isimo sokuqala somthengi ekhaya.
- Ukuqedwa kwesifundo semfundo yabathengi basekhaya. Ungathola izifundo ezinconyiwe kufayela le- Iwebhusayithi yeCalHFA .
- Izidingo ezingeziwe ze-FHA. I-FHA inemininingwane yayo yemali engenayo neyempahla okumele uhlangabezane nayo ukuze ufaneleke.
4. Uhlelo lweCalPLUS FHA lwemalimboleko
Okabani Ababolekisi be-FHA abadinga usizo lokuthola izimali zokuvala izindleko.
Izimalimboleko zeCalPLUS FHA zifaka izici ezifanayo nemalimboleko yeCalHFA FHA, kepha ngenzuzo eyengeziwe yokukwazi ukusebenzisa i-ZIP ukusiza ukukhokha izindleko zakho zokuvala, njengokubanjiswa kwemali okujwayelekile kweCalPLUS.
Khumbula ukuthi izimalimboleko ze-ZIP zinikezwa ngo-2% noma u-3% wemali mboleko ephelele futhi unamazinga wenzalo ayi-0% ekukhokheni okuhlehlisiwe kwempilo yemalimboleko yakho yempahla oyibolekile.
Kodwa-ke, uzoba nezinga lenzalo yemali mboleko ethe xaxa kancane ngalezi mboleko.
I-ZIP ingahlanganiswa nohlelo lwe-MyHome kulezi zimali mboleko, ngakho-ke ababoleki nabo bangathola usizo ngezinkokhelo zabo eziphansi.
Izidingo zifaka:
- Isilinganiso esiphansi sesikweletu esingu-660.
- Isilinganiso se-DTI esingu-43% noma ngaphansi.
- Imali engenayo ayikwazi ukweqa imikhawulo yemali engenayo yaseCalifornia ngesifunda. Hlola imikhawulo ye- Its isifunda ukuqinisekisa ukuthi imali oyitholayo ayidluli.
- Isimo sokuqala somthengi ekhaya.
- Ukuqedwa kwesifundo semfundo yabathengi basekhaya. Ungathola izifundo ezinconyiwe kufayela le- Iwebhusayithi yeCalHFA .
- Izidingo ezingeziwe ze-FHA. I-FHA inemininingwane yayo yemali engenayo neyempahla okumele uhlangabezane nayo ukuze ufaneleke.
5. Uhlelo lweMali mboleko yeCalHFA VA
Okabani Omakadebona baseCalifornia, abezempi bamanje, noma abashade abafanelekile abasindile.
Imalimboleko yeCalHFA VA ihloselwe ukusiza amalungu wamanje noma angaphambili amasosha ukuthola imali yezindlu zawo. Le mali mboleko yekhaya ixhaswe nguMnyango Wezilwane Zase-Veterans futhi imvamisa inamanani entengo yemalimboleko ephansi kunemakethe, ayidingi ukukhokhelwa phansi, futhi iyimalimboleko engaguquki yeminyaka engama-30.
Izidingo zifaka:
- Ilungu lomakadebona noma lasemsebenzini osebenzayo wamanje, noma oshade naye ofanelekile osindile. Ungathola imininingwane eminingi ngokufaneleka kuwebhusayithi ye-VA .
- Isilinganiso esiphansi sesikweletu esingu-660.
- Isilinganiso semali engenayo yesikweletu ukuya kuma-43% noma ngaphansi.
- Imali engenayo ayikwazi ukweqa imikhawulo yemali engenayo yaseCalifornia ngesifunda. Hlola imingcele yakho yesifunda ukuqinisekisa ukuthi imali oyitholayo ayidluli.
- Ukuqedwa kwesifundo semfundo yabathengi basekhaya. Ungathola izifundo ezinconyiwe kufayela le- Iwebhusayithi yeCalHFA .
- Ikhomishini yezezimali. Iningi lababolekisi bemalimboleko be-VA kufanele bakhokhe imali yezimali, okuyiphesenti elincane lemali mboleko. Noma kunjalo, ungasebenzisa uhlelo lwe-MyHome ukusiza ukumboza lezi zindleko nezinye izindleko zokuvala.
ICalHFA ingakusiza ukuthi uthole umbolekisi omuhle kakhulu we VA loan .
6. Uhlelo lweMali mboleko yeCalHFA USDA
Okabani Abathengi bathenga ikhaya endaweni esemaphandleni yombuso.
Uhlelo lwemali mboleko lweCalHFA USDA lulungele noma yimuphi umthengi wokuqala ekhaya ofuna ukuthenga ikhaya ngaphandle kwamadolobha amakhulu eCalifornia. Le mali mboleko yezindlu ixhaswa nguMnyango Wezolimo wase-US futhi inezinzuzo eziningi, kufaka phakathi i-100% yezinketho zezimali (ayikho imfuneko yokukhokha phansi). Imali mboleko yeCalHFA USDA yimalimboleko engaguquki yeminyaka engama-30.
Izidingo zifaka:
- Impahla endaweni yasemakhaya. Xhumana no I-CalFHA ukunquma ukuthi indawo ethile lapho ufuna ukuthenga iyafaneleka yini.
- Isilinganiso esiphansi sesikweletu esingu-660.
- Isilinganiso semali engenayo yesikweletu ukuya kuma-43% noma ngaphansi.
- Imali engenayo ayikwazi ukweqa imikhawulo yemali engenayo ye-USDA ngesifunda. Imikhawulo yemali engenayo ye-USDA yehlukile kunaleyo eseCalifornia, ngakho-ke kubalulekile ukuthi uqiniseke ukuthi uhola imali engaphansi kweningi lemali yendawo yakho.
- Ukuqedwa kwesifundo semfundo yabathengi basekhaya. Ungathola izifundo ezinconyiwe kufayela le- Iwebhusayithi yeCalHFA .
- Izimfuneko ezingeziwe ze-USDA. Imalimboleko ye-USDA inezidingo zayo zokuthola imali kanye nemininingwane yendawo ozodinga ukuhlangabezana nayo ukuze ufaneleke.
7. Izinhlelo Zosizo Lwezimali Zokukhokha Phansi zeCalHFA
Okabani Abathengi abadinga usizo lokuthola izimali zokukhokha phansi.
Izinhlelo zosizo lokukhokha phansi zeCalHFA zikusiza ukuthi ukhokhe izindleko zakho zokukhokha lapho uvala. Lezi zimali mboleko zingahlanganiswa nezinye izinhlelo zeCalHFA inqobo nje uma uhlangabezana nezidingo zemali engenayo. Uhlelo olukhulu olunikeza usizo lokukhokha uhlelo lweMyHome Assistance, olufaka imithetho ekhethekile yabasebenzi bomnyango wesikole nabomlilo kanye nababolekisi bemalimboleko be-VA.
Uhlelo losizo lwe-MyHome
Lolu hlelo luza ngesimo semalimboleko esihlinzeka kuze kufike kokuncane kokungu-: $ 10,000 noma u-3% wenani lemalimboleko yakho yasekhaya lapho kuvalwa imalimboleko eminingi, ngaphandle kwemali mboleko ye-FHA evumela kufika ku-3.5%. Le mali mboleko ingasetshenziselwa ukusiza ngezindleko zakho zokukhokha noma zokuvala.
Imalimboleko yeMyHome yimalimboleko ehlehlisiwe, ngakho-ke ayikho inkokhelo ekhokhwayo uze ukhokhe imalimboleko noma uthengise noma uphinde ugcwalise impahla. Kodwa-ke, ngokungafani ne-ZIP, imali mboleko yeMyHome ibiza inzalo, ezokhokhwa ngaphezu kothishanhloko uma sekufanele imali mboleko.
Ukuze ufanelekele lolu hlelo, kufanele ube ngumthengi wokuqala ekhaya futhi uhlangabezane nemihlahlandlela yemali engenayo.
I-MyHome Yabasebenzi Bezikole, Abasebenzi Bomnyango Wezomlilo, kanye nababolekisi be-VA Loan
Le mithetho ekhethekile ingeyabathengi bokuqala emakhaya okungukuthi: othisha baseCalifornia noma abasebenzi esikoleni se-K - 12 noma izicishamlilo noma abanye abasebenzi bomnyango wezomlilo. Le mali mboleko inikeza u-3% wenani lekhaya njengemalimboleko yenzalo elula ehlehlisiwe. Akukho mkhawulo wama- $ 10,000.
Ababolekisi bemalimboleko be-VA, noma ngabe basebenza kuphi, nabo bakhululiwe kumkhawulo wama- $ 10,000.
Izinhlelo zikazwelonke zabathengi bokuqala emakhaya
Yize izinhlelo eziningi zabathengi bokuqala bezindlu zinikezwa ezingeni likahulumeni noma lendawo, kuneminikelo eminingi yemalimboleko ezweni lonke ekhombisa ukunikezwa kweCalHFA.
Ezinye izinketho zemalimboleko ezitholakala ezweni lonke ezingaba zinkulu kubathengi bokuqala zifaka:
- UFannie Mae noFreddie Mac 3% izinketho zokukhokha ezansi. Bobabili uFannie noFreddie banikeza izinketho ezimbalwa zabathengi abafuna ukuthola isikweletu semali ngokukhokha okungu-3% kuphela. Uhlelo ngalunye lunezidingo ezahlukahlukene maqondana nemikhawulo yemali engenayo nokuthi udinga ukuthi ube ngumthengi wokuqala ekhaya noma cha.
- Imali mboleko ye-FHA. Lezi zinhlobo zemalimboleko zilungele abaqalayo ngoba zivumela amaphuzu aphansi esikweletu kanye nezinkokhelo eziphansi. Eqinisweni, kungenzeka ukuthi uthole imali mboleko ngenkokhelo ephansi engu-3.5% kanye nesikweletu esingu-580. Uma unemali eningi yokukhokha phansi, ungavunyelwa ukuthola amaphuzu angaphansi kuka-580.
- Imali mboleko ye-USDA. Lezi zimali mboleko zivumela ababoleki ezindaweni ezifanelekile ukuthi bathole imalimboleko ngaphandle kokukhokha phansi. Imvamisa badinga amaphuzu esikweletu okungenani angama-640, yize kungenzeka ukwehliswa.
- VA loan. Uma ungumakadebona ofanelekayo noma ilungu lenkonzo elisebenzayo, inkokhelo yokukhokha ephansi engu-0% ye-VA enye indlela engabizi yokuthenga ikhaya.
Ezinye izinhlelo zokuthenga amakhaya ezweni lonke ezingasiza abathengi bokuqala zifaka:
- Umakhelwane omuhle kamakhelwane. Lolu hlelo luhlinzekwa nguMnyango Wezezindlu Nokuthuthukiswa Kwezindawo Zasemadolobheni futhi luvumela othisha, amaphoyisa, izicishamlilo, nama-EMTs ukuthi bathenge amakhaya aphethwe yi-HUD ezindaweni ezifanele ngesaphulelo esingu-50%.
- Uhlelo Lomthengi Okulungele I-HomePath. Lolu hlelo, oluhlinzekwa nguFannie Mae, luvumela abathengi ukuthi bathenge impahla edliwe nguFannie Mae ngemali ephansi ngo-3%, benethuba lokuthola kuze kufike ku-3% wentengo yasekhaya ngosizo lwezindleko.
Izidingo eziyisihlanu zokuthenga ikhaya eCalifornia
Yiziphi izidingo zokuthenga ikhaya eCalifornia? Yini engiyidingayo ukuze ngifanelekele ukuthola imali mboleko yendlu? Le mibuzo emibili evame kakhulu phakathi kwabathengi basekhaya eGolden State, futhi uzothola izimpendulo zazo zombili ngezansi.
Uma kukhulunywa ngezidingo zokuthenga ikhaya, kunomehluko omkhulu phakathi kwabathengi bemali nalabo abasebenzisa imali mboleko yendlu.
- Abantu abakhokha ukheshi ekhaya abadingi ukuxhaswa ngezimali zempahla, ngakho-ke izinto eziningi ezingezansi azisebenzi kubo.
- Kepha i kakhulu wabathengi eCalifornia yenza Sebenzisa imali mboleko yasekhaya uma uthenga ikhaya. Ngakho-ke namhlanje sizokhuluma nezethameli.
Ngalesi sitatimende sokuzwa sisendleleni, nazi ezinye zezidingo ezibalulekile zokuthenga ikhaya eCalifornia:
1. Ukonga imali yokukhokha phansi.
Ngokuvamile (kodwa hhayi njalo) kudingeka inkokhelo ephansi lapho uthenga ikhaya eCalifornia. Zingaba kusuka ku-3% kuye ku-20% wentengo yokuthenga, kuya ngohlobo lwemalimboleko esetshenzisiwe nezinye izinto. Amalungu ezempi kanye nama-veteran angakwazi ukuthola imali mboleko yezindlu ye-VA, enikela ngemali eyi-100%. Uhlelo lokubolekwa kwe-FHA, oluthandwa kakhulu ngabathengi bokuqala eCalifornia, luvumela ababoleki ukuthi benze ukukhokha okungu-3.5%.
Ngenkathi izinkokhelo eziphansi ziyimfuneko ejwayelekile yokuthenga ikhaya eCalifornia, imali akudingeki ukuthi iphume ephaketheni lakho. Kulezi zinsuku, izinhlelo eziningi zemalimboleko zivumela ukusetshenziswa kwezipho zokukhokha eziphansi. Lokhu kulapho umngani, isihlobo, umqashi, noma omunye umnikeli ogunyaziwe ekunikeza imali yokumboza okunye noma lonke utshalomali lwakho lokuqala.
2. Gcina isikweletu esihle.
Izikolo zezikweletu ngesinye isidingo esidingekayo lapho uthenga ikhaya eCalifornia. Cishe uke wezwa ngokubaluleka kwesikweletu esihle uma kuziwa ekutholeni imalimboleko. Ababoleki abanamaphuzu aphezulu esikweletu ngokuvamile banesikhathi esilula sokuthola imali yokubolekwa kwemali mboleko futhi bathambekele ekutholeni namazinga wenzalo angcono.
Ayikho iphuzu elilodwa lokusika elisetshenziswa ngamabhange nezinkampani ezibambisa ngempahla. Kuyahluka kuye ngomunye. Lokho kusho ukuthi, ababolekisi abaningi namuhla bakhetha ukubona amaphuzu angama-600 noma ngaphezulu kulabo ababolekayo abafuna imali mboleko yendlu. Kepha lokho kungumkhuba ojwayelekile, awubekiwe etsheni.
Iqiniso ukuthi amaphuzu aphezulu azothuthukisa amathuba akho okuthenga ikhaya eCalifornia lapho usebenzisa imali mboleko yekhaya.
3. Ukuphatha umthwalo wakho wesikweletu.
Inani lesikweletu onalo lingathinta namandla akho okuthola imali yezimali ezibanjiswayo. Ngakho-ke, ngesinye isidingo esidingekayo sokuthenga ikhaya eCalifornia. Ngokuqondile, yisilinganiso sesikweletu sakho sonke esivela njalo kumholo wakho wenyanga obaluleke kakhulu.
Nge-jargon loan, lokhu kwaziwa ngokuthi isilinganiso sesikweletu-kuya-imali. Lesi silinganiso sikhombisa ukuthi umholo wakho uya malini ezikweletini zakho zanyanga zonke. Kuyasiza izinkampani ezibambisa ngempahla ukuthi ziqiniseke ukuthi awungeni ezikweletini eziningi kakhulu (ngokungezwa kwemali mboleko yendlu).
Njengezikolo ezikweletwayo, lena yimfuneko yokuthengwa kwekhaya eCalifornia engahluka kusuka enkampanini eyodwa ebolekayo iye kwenye. Okufanelekile, isilinganiso sakho sonke sesikweletu-kuya-engenayo kufanele sehle ngaphansi kwama-43%. Kepha lowo akuwona umthetho onzima futhi osheshayo. Kunakwa nezinye izinto.
4. Ukuqoqa imibhalo yakho yezezimali.
Imibhalo iyimfuneko ejwayelekile yokuthenga ikhaya eCalifornia. Uma ufaka isicelo semalimboleko yendlu, uzocelwa amadokhumende ahlukahlukene ezezimali. Umbolekisi uzokusebenzisa ukuqinisekisa imali yakho nezimpahla zakho, umlando wakho wemalimboleko, nezinye izici zesimo sakho sezezimali.
Imibhalo evame ukucelwa ifaka izitatimende zasebhange zakamuva, amafomu entela namafomu e-W-2 kule minyaka emibili edlule, ama-stubs wokukhokha, neminye imibhalo ehlobene nezezimali. Ababoleki abazisebenzelayo kungadingeka banikeze amanye amadokhumende, njengesitatimende senzuzo nokulahleka (i-P & L).
5. Ukuhlola ikhaya.
Uma usebenzisa imali mboleko yekhaya ukuthenga ikhaya eCalifornia, impahla kungenzeka ihlolwe ngaphambi kokuxhaswa ngezimali. Ngakho-ke, ukuhlolwa kwekhaya kungenye imfuneko esemqoka lapho uthenga ikhaya.
Phakathi nale nqubo, umhloli wekhaya oqeqeshiwe futhi onelayisense uzovakashela leli khaya alivivinye ngaphakathi nangaphandle. I-appraiser izohlinzeka ngokulinganiselwa kwenani lesakhiwo emakethe yezindlu yamanje. Umbolekisi ufuna ukuqinisekisa ukuthi inani elikhokhelwe impahla likhombisa inani langempela lemakethe.
Njengomthengi wasekhaya, akukho okuningi okufanele kwenziwe ngesikhathi senqubo yokuhlola. Umbolekisi uzoyihlelela bese umhlola amanani azothumela umbiko wakhe kumbolekisi. Kuyinto nje okufanele uyikhumbule.
Ukuhlaziywa kwekhaya nakho kugcizelela ukubaluleka kokwenza ibhidi ehlakaniphile ngokususelwa ezimweni zamanje zemakethe. Uma unikela ngenani elingaphezu kwenani lemakethe, impahla kungenzeka ingafakwa inani lentengo okuvunyelwene ngayo yokuthenga. Lokhu kungadala umgwaqo ovunyelwe ukubolekwa kwempahla.
Ngakho-ke unayo, izidingo ezinhlanu eziphezulu zokuthenga ikhaya eCalifornia.
Isifinyezo
ICalifornia inokukhethwa okukhulu kwezinhlelo ezitholakala kubathengi basekhaya bokuqala. Okokuqala, yenza ucwaningo lwakho nge Iwebhusayithi yeCalHFA ukunquma ukuthi yiluphi uhlelo onentshisekelo kulo. Okulandelayo, qala inqubo yokuvunywa kwangaphambili futhi ufunde ngezinketho zakho. Ekugcineni, sebenzisana nomenzeli wendawo odayisa izindlu ukuthola iphupho lakho ekhaya eCalifornia.
[ukucaphuna]
Okuqukethwe
- Izinhlelo Zokuqala Zomthengi WaseCalifornia
- 1. Uhlelo Olujwayelekile Lwemali mboleko yeCalHFA
- 2. Uhlelo Olujwayelekile Lwemali mboleko yeCalPLUS
- 3. Uhlelo Lwemali mboleko lweCalHFA FHA
- 4. Uhlelo lweCalPLUS FHA lwemalimboleko
- 5. Uhlelo lweMali mboleko yeCalHFA VA
- 6. Uhlelo lweMali mboleko yeCalHFA USDA
- 7. Izinhlelo Zosizo Lwezimali Zokukhokha Phansi zeCalHFA
- Uhlelo losizo lwe-MyHome
- I-MyHome Yabasebenzi Bezikole, Abasebenzi Bomnyango Wezomlilo, kanye nababolekisi be-VA Loan
- Izinhlelo zikazwelonke zabathengi bokuqala emakhaya
- Izidingo eziyisihlanu zokuthenga ikhaya eCalifornia
- 1. Ukonga imali yokukhokha phansi.
- 2. Gcina isikweletu esihle.
- 3. Ukuphatha umthwalo wakho wesikweletu.
- 4. Ukuqoqa imibhalo yakho yezezimali.
- 5. Ukuhlola ikhaya.
- Isifinyezo
- Imiphi Imibhalo Engiyidingayo Ukuthenga Indlu Ku ...
- Izidingo Zokuthenga Ikhaya Lamaselula e-United States
- Kufanele ngithole malini ukuthenga indlu e-USA?
- Isibonelo sokwenza ukunikezwa kwekhawunta yokuthenga ekhaya
- Izimalimboleko ze-FHA zabathengi bokuqala
- Ngidinga isikweletu esingakanani ukuthenga indlu?