Faka isicelo sobambiso
Amanqaku okuthenga ngetyala anokuba sisihloko esibhidayo nakwabona bathengi banolwazi ngezezimali. Uninzi lwabantu luyaqonda ukuba amanqaku alungileyo etyala anyusa amathuba akho okufumana imali-mboleko kuba ebonisa umbolekisi ukuba unokubuyisela imali mboleko ngexesha.
Yiyo loo nto abaninzi ababolekisi befuna awona manqaku mancinci amatyala emali-mboleko abayinikezelayo. Kodwa ngaba uyazi ukuba yeyiphi eyona nqanaba lincinci letyala olidingayo ukuze ufumane imali-mboleko kwaye uthenge ikhaya? Kwaye ubusazi ukuba obu buncinci buyohluka ngokuxhomekeke kuhlobo lwemali-mboleko oyikhangelayo?
Ngokubanzi, uya kufuna amanqaku ekhredithi ubuncinane angama-620 ukuze ufumane imali mboleko yokuthenga ikhaya. Leyo yeyona mfuno isezantsi yamanqaku etyala uninzi lwababolekisi abanalo kwimali-mboleko eqhelekileyo. Oko kwathiwa, kusenokwenzeka ukuba ufumane imali mboleko ngamanqaku asezantsi etyala, kubandakanya amanqaku angama-500.
Awona manqaku asezantsi etyala afunekayo ukuze ufumane imali-mboleko ngo-2021 ixhomekeke kuhlobo lwemali-mboleko ofuna ukuyifumana. Amanqaku ayahluka ukuba ufaka isicelo semali mboleko ye-inshorensi ye-Federal Housing Administration, eyaziwa ngokuba yi-FHA; omnye ofakwe kwi-inshorensi yeSebe leMicimbi yamagqala eUnited States, owaziwa ngokuba yi-VA mboleko; okanye imali-mboleko yemali-mboleko yesiqhelo kumbolekisi wabucala:
Amathuba okufumana imali-mboleko ngetyala elibi
Ukuthenga ikhaya mhlawumbi lolona tyalo-mali lukhulu onokuthi ulwenze, kwaye ukuba unjengabantu abaninzi, uya kufuna imali-mboleko yokwenza oko. Nangona kungekho ziqinisekiso zokuba uya kufumana imali-mboleko oyifunayo, kukho amanyathelo athile onokuwathatha aya kukwenza ube nomtsalane ngakumbi kubabolekisi. Funda kwiingcebiso ezilungileyo zokuphucula amathuba akho okufumana imali mboleko.
Ababolekisi bajonga ingxelo yakho yetyala - iakhawunti eneenkcukacha ngetyala lakho - ukufumanisa ukuba ungayifumana na imali-mboleko kunye nenqanaba lenzala. Ngokomthetho, unelungelo lokufumana ingxelo yekhredithi yasimahla kwi-arhente nganye “enkulu ezintathu” zokunika ingxelo ngetyala-Equifax, Experian, kunye neTransUnion-rhoqo ngonyaka. iinyanga ezine (endaweni yonke ngaxeshanye), ukuze ukwazi ukugcina esweni ingxelo yakho ngetyala unyaka wonke.
Luluvo olulungileyo ukuphonononga ingxelo yakho yetyala ubuncinci kwiinyanga ezintandathu phambi kokuba ucwangcise ukuthenga imali-mboleko, ukuze ube nexesha lokufumana kwaye ulungise naziphi na iimpazamo. Ukuba ufumana impazamo kwingxelo yakho yekhredithi, qhagamshelana ne-credit bureau ngokukhawuleza ukuze uphikise loo mpazamo kwaye uyilungise. Okongeziweyo uxolo lwengqondo, cinga ukusebenzisa enye yeenkonzo ezingcono zokubeka iliso ngetyala ukugcina iliso kuwo nawuphi na umsebenzi okrokrisayo.
Ndingayifumana imali-mboleko?
Getty Images Ukuba ucinga ukuthenga ikhaya, kuya kufuneka ukuba ufumane imali mboleko. Ukuthenga ngexabiso lemali mboleko linyathelo lokuqala elilungileyo, kodwa ukufaka isicelo kunye nokuvunywa kwe-mortgage yeyona nxalenye ibalulekileyo yenkqubo. Nangona kubonakala kunzima kwaye kunzima, ngokulungiswa okufanelekileyo, ukufumana imvume yokuboleka imali kunokuba yinkqubo elula. Zininzi izinto ezinokuchaphazela imvume yakho yokubambisa kunye nemali mboleko yokugqibela. Ngelixa kungekho ndlela zimfutshane zokufumana imvume eqinisekisiweyo yokubambisa, ezi ngcebiso zintlanu zingezantsi zinokunyusa amathuba akho okufumana imali-mboleko yakho eyamkelweyo.
1. Jonga (kwaye uphucule) amanqaku akho ekhredithi Amanqaku akho ekhredithi linani eliphakathi kwama-300 kunye nama-900 elibonisa ukukufanelekela kwakho ukuthenga ngetyala kukonke. Ngalo lonke ixesha usenza intlawulo kade, isicelo sekhredithi, okanye ukusilela kwimali mboleko, ii-arhente zokunika ingxelo ngetyala ziya kuyibeka kwimbali yakho yetyala kwaye zehlise amanqaku akho etyala. Amanqaku aphezulu abonisa ukuba uzibophelele ekubuyiseleni iimali-mboleko kwixesha elidlulileyo kwaye ke ngoko akunakufane kwenzeke ukusilela. Oku kubonisa kubabolekisi-mali mboleko ukuba kunokwenzeka ukuba uyibuyise imali-mboleko yakho ngexesha kwaye kubenze bakulungele ngakumbi ukukuboleka imali.
Ngubani owenza isigqibo sokuba ufumana imali-mboleko
Ukuthenga ikhaya lolona tshintshiselwano lukhulu lwezemali ebomini, ngoko ayimangalisi into yokuba inkxaso-mali yenye yeyona miceli mngeni inkulu abajongana nayo abathengi xa bekhangela ikhaya elitsha. Nangona iinxalenye zemali zokuthenga ikhaya zinokuba luxinzelelo, iindaba ezimnandi zezokuba kukho amanyathelo onokuwathatha ukuze uqinisekise inkqubo egudileyo kwaye ngethemba lokuphucula amathuba akho okufumana imali-mboleko yakho yendlu.
Ukuba ufuna ukulungela ukwenza isithembiso kwikhaya ngokukhawuleza xa lisiya emarikeni, cinga ngokuvunywa kwangaphambili okanye ukufaneleka kwangaphambili kukhangelo lwakho lwasekhaya. Ukufumana oku kwamkelwa kwangaphambili kuya kukunceda uhambe ngokukhawuleza xa ufumene ikhaya eligqibeleleyo. Ngaphezu koko, kudla ngokuba yinto yokuqala i-arhente eya kukucela yona ngaphambi kokuba ikuncede ekuzingeleni indlu. Ke ukwenza oku phambi kokuba uthethe ne-arhente kubonisa ukuba uzimisele ngokuthenga kwaye ukulungele ukuqala ukujonga izindlu ngoko nangoko.
Ngaphezulu nje kwesithathu (35 pesenti) yabathengi baye bavunywa kwangaphambili phambi kokuba basebenzise i-arhente, ngelixa i-50 pesenti yalinda de yasebenzisa i-arhente ukuba ivunywe kwangaphambili. Abathengi abasebenzisa i-arhente kunokwenzeka ukuba bafumane imvume kwangaphambili kunabo bangasebenziyo ne-arhente, ebonisa ukuba imvume yangaphambili iyimfuneko okanye ikhuthazwa kakhulu yi-arhente.
