indlela yokuthenga indlu ngaphandle kwemali eaustralia
Olunye ukhetho, olufana ne-FHA mboleko, i-HomeReady mortgage, kunye ne-97 yesiqhelo mboleko, inikezela ngeendlela zokuhlawula eziphantsi ukusuka kwi-3% phantsi. Iintlawulo ze-inshurensi ye-mortgage zihlala zihamba kunye neemali mboleko ezineentlawulo eziphantsi okanye ezingekho phantsi, kodwa akusoloko kunjalo.
Ukuba ufuna ukuthenga indlu ngaphandle kwemali, kukho iindleko ezimbini ezinkulu ekuya kufuneka uziphephe: intlawulo ephantsi kunye neendleko zokuvala. Oku kunokwenzeka ukuba ukulungele ukufumana i-zero down payment mortgage kunye/okanye inkqubo yoncedo lokuthenga ikhaya.
Zimbini kuphela iiprogram zokubolekwa kwentlawulo eziphantsi: i-USDA mboleko kunye ne-VA mboleko. Zombini ziyafumaneka kubo bobabini okokuqala kwaye baphinda abathengi bezindlu. Kodwa baneemfuno ezikhethekileyo ukuze bafaneleke.
Iindaba ezilungileyo malunga ne-USDA yeMali mboleko yeKhaya laseMaphandleni kukuba akukhona nje "imali mboleko yasemaphandleni": iyafumaneka kubathengi kwiindawo ezisemaphandleni. Injongo ye-USDA kukunceda "abathengi bezindlu abaphantsi ukuya kwimodareyitha" kwiindawo ezininzi zaseUnited States, ngaphandle kwezixeko ezikhulu.
Uninzi lwamagqala, amalungu enkonzo esebenzayo, kunye nabasebenzi benkonzo abakhululwe ngokuhloniphekileyo bafanelekile kwinkqubo ye-VA. Ukongeza, abathengi bamakhaya abachithe ubuncinci iminyaka emi-6 kwiiReserves okanye kwiNational Guard bafanelekile, njengoko kunjalo namaqabane angamalungu enkonzo abulawa kumgca womsebenzi.
Imali mboleko yediphozithi ephantsi eOstreliya
UJessica Walrack ngumbhali wezemali obhale amakhulukhulu amanqaku malunga mboleko, i-inshurensi, iibhanki, iimali zokubambisa, amakhadi okuthenga ngetyala, uhlahlo lwabiwo-mali, kunye nezezimali zomntu ngokubanzi kule minyaka mihlanu idlulileyo. Umsebenzi wakhe uvele kwi-Simple Dollar, Bankrate, kunye neSupermoney, phakathi kwezinye iimpapasho.
UDoretha Clemons, Ph.D., MBA, PMP, ube ngumphathi we-IT kunye nomfundisi we-34 iminyaka. Ungunjingalwazi oncedisayo kwiiKholeji ze-Connecticut State kunye neeYunivesithi, iYunivesithi yaseMaryville, kunye neYunivesithi yase-Indiana Wesleyan. Ungumtyali wezindlu kunye nomlawuli weBruised Reed Housing Real Estate Trust, kunye nomnini welayisensi yokuphucula ikhaya ovela kwiState of Connecticut.
U-Ariana Chavez uneminyaka engaphezu kweshumi yophando lobungcali, ukuhlela, kunye namava okubhala. Usebenze kwihlabathi lezemfundo kunye nokupapasha idijithali, ngokukodwa ngomxholo ohambelana nembali yentlalontle ye-United States kunye nemali yomntu, phakathi kwezinye izihloko. Usebenzisa la mava njengomhloli wenyaniso weThe Balance ukuqinisekisa ukuba iinyani ezikhankanyiweyo kumanqaku zichanekile kwaye zifunyenwe ngokufanelekileyo.
Umthengi wasekhaya okokuqala ngaphandle kwentlawulo
Idiphozithi yemali-mboleko yemali-mboleko ligalelo lakho lokuqala kwixabiso lokuthenga ikhaya. Kuthetha ukuba unendawo encinci yendlu. Idiphozithi yendlu ephezulu isenokuthetha ukungaboleki imali eninzi, nto leyo enokuthetha ukuhlawula inzala encinci kubomi bemali mboleko yakho yendlu. Kusenokuthetha ukuba imali-mboleko ihlawulwe ngokukhawuleza.
Ukuba awukufanelanga ukukhululwa okanye ukunyinyiselwa, iindleko zerhafu yezenzo zomthetho ezibhaliweyo zinokubakho. Sebenzisa isibali sediphozithi yemali mboleko yakho ukuze uqikelele ukuba yimalini oza kusala kwidiphozithi emva komsebenzi wesitampu kunye nezinye iindleko.
Ukuba sele ungumnikazi wendlu yakho, umbolekisi wakho unokukuvumela ukuba usebenzise i-equity yendlu yakho ukuthatha imali mboleko eyongezelelweyo, usebenzisa ikhaya lakho njengesibambiso. Phambi kokuba wenze nasiphi na isigqibo malunga noku, kufuneka ufune iingcebiso kumcebisi wakho wezezimali kunye ne-arhente yakho yerhafu ebhalisiweyo. Unokusebenzisa i-equity kwikhaya lakho ukwenza isicelo semali mboleko eyongezelelweyo.
Kwintengiso yabucala, uhlawula idipozithi xa wena kunye nomthengisi nitshintshiselana ngezivumelwano ezityikityiweyo. Ukuba uthenga kwifandesi, kufuneka usayine ikhontrakthi kwaye uyithumele ibhondi kwangolo suku lunye. Ngokuqhelekileyo, umthengisi okanye i-ejenti yendawo yokuhlala iya kufuna i-10% yexabiso lokuthenga kwaye oku kusebenza njengentlawulo eyinxenye ngaphambi kokuba intlawulo yenzeke. Ekuhlawuleni, uya kuba ngumnikazi wendlu ngokusemthethweni kwaye uhlawule intsalela yexabiso lokuthenga.
Iimali-mboleko zokurenta kunye nenketho yokuthenga ngaphandle kwediphozithi
Ingakanani idiphozithi oyifunayo ukuze uthenge indluUAdrian Ballantyne, Intatheli yeReal Estate9 May 2022, 3:31pMSUkugcina imali eyaneleyo yediphozithi yendlu yi-Holy Grail kubantu abaqalayo ukuthenga izindlu.Kodwa kwimarike yanamhlanje, yimalini ngokwenene oyidingayo? Ngaba ufuna idiphozithi engama-20%? Okanye ngaba ababolekisi baya kukuvumela ukuba ungene ngemali encinane kakhulu? Yile nto ekufuneka uyazi. Iividiyo eziyeleleneyo
Zeziphi ezinye iindleko zokuqala ekufuneka ndizihlawule? Ezi zezinye zeendleko ekufuneka zithathelwe ingqalelo xa kuthengwa ikhaya. Nazi ezinye iindlela zokulondoloza:IiNkuthazo zikaRhulumente woBurhulumente kubathengi bamakhaya abaqalayoKukho iindlela ezininzi uRhulumente anokukunceda ukuba uthenge ikhaya.Isiqinisekiso seKhaya sokuQalaISiqinisekiso seKhaya lokuQala siyilelwe ukunceda abaqalayo ukuthenga izindlu bafikelele kwintengiso ngokukhawuleza ngokubonelela ngesiqinisekiso kwi. I-15 ekhulwini lexabiso lekhaya elitsha. Kuhlahlo lwabiwo-mali lwakutsha nje, i-Federal Government ibhengeze ukwandiswa kweprogram, enika iindawo ezongezelelweyo ze-35.000 kunye nokuphelisa imida yexabiso leepropati ezivunyelweyo.
