Ukungahlawulwa kwezindlu zokuhlala eCanada
Lumkela i-"Piggyback" ye-Mortgages yesiBini Njengenye indlela ye-inshurensi yokubambisa, abanye ababolekisi banokunikezela ngento eyaziwa ngokuba yi "piggyback" yemali mboleko yesibini. Soloko uthelekisa iindleko zizonke phambi kokuba wenze isigqibo sokugqibela. Funda ngakumbi malunga ne-piggyback mboleko yesibini. Indlela yokufumana Uncedo Ukuba usemva kwintlawulo yakho ye-mortgage, okanye unobunzima bokwenza iintlawulo, ungasebenzisa i-CFPB Fumana isixhobo soMcebisi kuluhlu lwee-arhente zokucebisa ngezindlu kwindawo yakho ezivunywe yi-HUD. Ungatsalela umnxeba umnxeba weHOPE™, uvule iiyure ezingama-24 ngosuku, iintsuku ezisixhenxe ngeveki, ku-(888) 995-HOPE (4673).
Ukungagqibeki kwe-Mortgage e-Ontario
Ii-ofisi zeNkunzi yaseNxwemeni ziya kuvalwa ngoMgqibelo we-21 kaMeyi nangoMvulo we-23 kaMeyi ngoSuku loLoyiso. Ukukwenzela lula, iZiko lethu leNgcebiso liya kuvulwa ngoMgqibelo, nge-21 kaMeyi nangeCawa, nge-22 kaMeyi ukusuka nge-9 am ukuya ku-17:30 p.m. PT.
I-inshurensi ye-mortgage engagqibekanga ifunwa nguRhulumente waseCanada kwi-mortgages ukuba isixa-mali semali mboleko sikhulu kune-80% yexabiso lokuthenga (okanye ixabiso eliqikelelweyo) lepropati yokuhlala. Oku kuthetha ukuba i-Capital Coast inokubonelela kuphela ngenkxaso-mali ye-mortgage kubanikazi bezindlu kunye neentlawulo ezingaphantsi kwe-20% ukuba i-mortgage i-inshurensi ye-Mortgage Default Insurance.
Kwakhona kubalulekile ukukhumbula ukuba i-inshurensi ye-mortgage default ayimkhuseli umnini-khaya kwaye akufanele ibhidaniswe ne-inshurensi yobomi okanye yokukhubazeka, ekhusela umninimzi.
ECanada, i-inshurensi yokubolekwa kwe-mortgage inikezelwa yi-Canadian Housing and Mortgage Corporation (CMHC), iSagen, kunye ne-Canada Guaranty. I-Coast Capital ithatha isigqibo sokuba yeyiphi i-inshurensi ye-mortgage ukuba isetyenziswe; nangona kunjalo, i-inshurensi ye-mortgage yenza isigqibo sokuba i-inshurensi ye-mortgage ethile. Ukuba i-inshurensi ye-mortgage iyala ukubonelela nge-inshurensi ye-mortgage default, i-Coast Capital ayikwazi ukubonelela ngemboleko ye-mortgage ngaphandle kokuba omnye we-inshurensi ye-mortgage ukulungele ukufaka i-inshurensi ye-mortgage okanye umnini-khaya unokuhlawula i-20% yentlawulo.
I-inshurensi ye-mortgage engagqibekanga e-Ontario
I-inshurensi ye-mortgage engagqibekanga ifunwa nguRhulumente waseKhanada xa abathengi bezindlu bebeka phantsi ngaphantsi kwe-20% yentlawulo ephantsi efunekayo ukuze ulungele ukufumana imali-mboleko yesiqhelo. Olu hlobo lwe-inshurensi lubuyekeza ababolekisi bezindlu ngelahleko ebangelwe kukungahlawulwa kwe-mortgage. Esona sizathu siqhelekileyo sokungahlawulisi imali yokubambisa.
Ukuze ufumane i-inshurensi yokuboleka imali, kuya kufuneka uqale uhlangabezane neemfuno zebhanki yakho, kunye nemithetho yokubhala phantsi kwe-inshurensi ye-mortgage. I-inshurensi ibonelelwa ngabaninzi be-inshurensi yokubambisa, kuquka i-Canada Mortgage and Housing Corporation (CMHC).
Ikhatyhuleyitha ye-inshurensi engagqibekanga ye-Mortgage
Yintsomi ukuba kufuneka ukhuphe i-20% yentlawulo ephantsi kwixabiso lokuthenga ikhaya ukuze ufumane i-mortgage. Ababolekisi banikezela ngeenkqubo mboleko ezininzi ezineemfuno zentlawulo ephantsi ukuze zilungele uluhlu olubanzi lohlahlo lwabiwo-mali kunye neemfuno zabathengi. Nangona kunjalo, ukuba ukhetha le ndlela, kuya kufuneka uhlawulele i-inshurensi ye-mortgage yangasese (PMI). Ezi ndleko zongezelelweyo zinokunyusa iindleko zeentlawulo zenyanga zindlu kwaye ngokubanzi zenza imali-mboleko ibize kakhulu. Nangona kunjalo, phantse ayinakuthintelwa ukuba awunayo intlawulo ephantsi ye-20% okanye ngaphezulu egciniweyo.
I-PMI luhlobo lwe-inshurensi ye-mortgage abathengi abalindeleke ukuba bayihlawule kwimali-mboleko eqhelekileyo xa besenza intlawulo engaphantsi kwe-20% yexabiso lokuthenga ikhaya. Ababolekisi abaninzi banikezela ngenkqubo yokuhlawula ephantsi, evumela kancinci njenge-3% yentlawulo ephantsi. Ixabiso loko bhetyebhetye yi-PMI, ekhusela utyalo-mali lombolekisi xa uthe wasilela kwimali-mboleko yakho, eyaziwa ngokuba yintsilelo. Ngamanye amazwi, i-PMI iqinisekisa umbolekisi, hayi wena.
I-PMI inceda ababolekisi ukuba bafumane imali eninzi xa kukho ukusilela. Isizathu sokuba ababolekisi bafune ukhuseleko lweentlawulo eziphantsi ngaphantsi kwe-20% yexabiso lokuthenga kukuba unomdla omncinci kwikhaya lakho. Ababolekisi bakuboleka imali eyongezelelekileyo ngaphambili kwaye ngoko ke ume ukulahlekelwa ngaphezulu ukuba awuhlawuli kwiminyaka embalwa yokuqala yobunini. Iimali-mboleko ezifakwe kwi-inshurensi ye-Federal Housing Administration, okanye iimali-mboleko ze-FHA, nazo zifuna i-inshurensi ye-mortgage, kodwa izikhokelo zahlukile kuneemali-mboleko eziqhelekileyo (ngaphezulu koko kamva).
