Ndiyithenge nini indlu ngo-2022
Kwiminyaka yakutshanje, inzala kwimali-mboleko eJapan iye yahlala iphantsi, yiyo loo nto abantu abaninzi abathenga izindlu nomhlaba becinga ukusebenzisa imali-mboleko ukwenza oko. Nangona abantu basemzini benokuthenga izindlu nezindlu eJapan, amaziko emali aseJapan ayathandabuza ukuboleka abantu basemzini. Ukufumana imali-mboleko, iimfuno ezininzi kufuneka zifezekiswe, nangona zinokwahluka ngokuxhomekeke kwiziko.
Kwa-PLAZA HOMES sifuna ukukwazisa kumaziko emali abonelela ngemali mboleko yezindlu kubantu basemzini kwaye siyakuxhasa ukusuka kwisicelo semali-mboleko ukuya kwisivumelwano semali-mboleko ngokwesicelo sakho kunye nesicwangciso senkxaso-mali.
Izinto ezifunekayo kwimali mboleko yendlu ziyahluka ngokweziko lemali ngalinye. Apha ngezantsi kukho iimfuno ngokubanzi kunye nesishwankathelo semali mboleko yezindlu eJapan. Imali mboleko yendlu idla ngokusetyenziswa xa kuthengwa ikhaya (indlu oceba ukuhlala kuyo kunye nosapho lwakho), ilungiswa, okanye ihlaziywe ngokutsha.
Ngokubanzi, iimali-mboleko zigubungela ukuya kuthi ga kwi-70-80% yemali ethengiweyo kwaye ukuya kuthi ga kwi-90% yexabiso lekhaya liziko lezemali. Isixa-mali sisonke semali-mboleko ekufuneka ihlawulwe ngonyaka ngamnye (umlinganiselo wetyala-kwingeniso) kufuneka ube phakathi koluhlu olubanzi lwe-25% ukuya kwi-35% yengeniso yonyaka.
Yintoni eya kuba ngumba ongalunganga wokuthenga indlu ngekheshi endaweni yokubambisa?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo ezikrelekrele zemali ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala kunye nenjongo, kunye nokukuvumela ukuba uphande kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Ngaba kufuneka ndithenge indlu?
Into yokuqala omawuyenze kukubala ukuba yimalini onokuyichitha. Kuya kufuneka wenze uhlahlo lwabiwo-mali olusekwe kwingeniso yakho yangoku kunye neendleko, kwaye emva koko ufumanise ukuba yimalini na onokukwazi ukuyihlawula imali-mboleko njengemali ephumayo yenyanga. Ukuba uza kuthenga nomnye umntu, kufuneka ubale uhlahlo lwabiwo-mali ngokusekelwe kumvuzo ohlangeneyo kunye neendleko.
Nje ukuba uyazi ukuba ungaboleka malini, kuyanceda ukwenza uhlahlo lwabiwo-mali olutsha, ngakumbi ukubona ukuba kuya kufuneka uphile kangakanani emva kokuhlawula zonke iindleko ezintsha nyanga nganye. Oku kucwangciswa kwangaphambili kunokuba luncedo ekuthinteleni ukuba ungangeni ematyaleni kamva.
Eminye imibutho yokwakha ibonelela abathengi ngesiqinisekiso esichaza ukuba imali-mboleko iya kufumaneka ukuba nje indawo leyo iyanelisa. Ungasifumana esi satifikethi phambi kokuba uqalise ukukhangela ikhaya. Iimanyano zamatyala okubambisa zibanga ukuba esi satifikethi sinokukunceda ukuba umthengisi amkele isithembiso sakho ngokukunika isiqinisekiso sokuba iimali ziyafumaneka. Ulwazi oluthe vetshe malunga nokubambisa kunye neemali-mboleko ezikhuselekileyo.
Kufuneka ndithenge indlu kwiminyaka emingaphi?
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.
