Indlela yokuba yiprosesa yemali mboleko yendlu ngaphandle kwamava
Imvelaphi yeMortgage ISaziso seMithetho eyamkelweyo: Iincwadi zeMortgage kunye neeRekhodiUHlaziyo lokugqibela: ngoMeyi 17, 2022 Ukususela ngomhla we-14 kuMeyi, 2022, iSebe lezoLondolozo kunye neMali mboleko ye-Mortgage lamkele imigaqo emitsha (imimiselo) ye...
Imvelaphi ye-Mortgage, iNkozo ye-Mortgage Uluhlu olutsha lwe-NMLS yokukhangela kubaBoni bezindlu zokuhlala, iiBhanki ze-Mortgage kunye neeNkonzo namhlanje, nge-05/09/2022, iSebe linovuyo ukubhengeza ukukhutshwa koLuhlu olutsha lwe-NMLS lokuhlola lwe...
Ulwazi lwe-Arhente, iSavings Regulation Notification of Draft Comments and Stakeholder Webinar: 7 TAC Izahluko 51 kunye 52 Uhlaziyo lweMithethoUhlaziyo lokugqibela: 25 March 2022 Isebe lezoLondolozo kunye nokuBoleka imali yezindlu (SML okanye iSebe) liqwalasela utshintsho kwimithetho yalo...
Imvelaphi ye-Mortgage, i-Mortgage Servicing ye-Mortgage Licensing Phone Bank Ivalwe ngentsasa yango-Feb 24, 2022Igqityelwe ukuhlaziywa: Feb 24, 2022 Ngenxa yoqeqesho olubanzi lwe-arhente nge-24 kaFebhruwari, 2022, iCandelo leMvume ye-Mortgage liza kuphendula...
Imisebenzi yeProsesa yeMali-mboleko ye-Mortgage
Ukuthenga ikhaya kunokuba mnandi kwaye kube mnandi, kodwa abathengi abakhulu kufuneka baqale inkqubo kwiofisi yombolekisi, kungekhona kwindlu evulekile. Uninzi lwabathengisi balindele ukuba abathengi babe neleta yokuvunywa kwangaphambili kwaye baya kukulungela ngakumbi ukujongana nabo babonisa ukuba banokufumana imali.
Isiqinisekiso sokubambisa sinokuba luncedo njengoqikelelo lokuba yimalini na umntu anokukwazi ukuyichitha kwikhaya, kodwa ukuvunywa kwangaphambili kubaluleke ngakumbi. Kuthetha ukuba umbolekisi uhlolisise ikhredithi yomthengi onokubakho kwaye uqinisekise amaxwebhu ukuze avume isixa-mali semali-mboleko (ukwamkelwa ngokuqhelekileyo kuthatha ixesha elithile, elifana neentsuku ezingama-60-90).
Abathengi abasenokubakho bayazuza ngeendlela ezininzi ngokudibana nombolekisi kunye nokufumana ileta yokuvunywa kwangaphambili. Okokuqala, banethuba lokuxoxa ngeenketho zemali-mboleko kunye nohlahlo lwabiwo-mali kunye nombolekisi. Okwesibini, umbolekisi uya kujonga ikhredithi yomthengi kwaye afumanise naziphi na iingxaki. Umthengi uya kukwazi kwakhona isixa esikhulu esinokuboleka, esiya kubanceda baseke uluhlu lwamaxabiso. Ukusebenzisa i-calculator ye-mortgage ngumthombo olungileyo weendleko zohlahlo lwabiwo-mali.
Indlela yokugcwalisa ukuqinisekiswa kwengqesho kwi-mortgage
Isatifikethi se-mortgage credit sinokuthetha ukunciphisa irhafu enomdla. Kwaye ngokungafaniyo nezinye ikhefu lerhafu yokubambisa, unokuthatha ithuba le-MCC nokuba uthatha ukuxhuzulwa okusemgangathweni endaweni yokukhupha iirhafu zakho. Oko kunokuthetha ukonga ngokuthe ngqo kwityala lakho lerhafu yomanyano.
Isatifikethi setyala lemali yokuboleka yintlawulo yerhafu yomdibaniso kubanini-zindlu enokubanceda ukuba bonge kwiibhili zabo zerhafu zonyaka. Isixa onokuthi usigcine kwiirhafu zakho nge-MCC siyahluka ngokwelizwe, kodwa i-IRS inciphisa esona satifikethi semali-mboleko siphezulu ukuya kwi-$2.000 ngonyaka. Ii-MCC zidla ngokujoliswa kubathengi bokuqala abafumana umvuzo ophantsi, kodwa imithetho iyahluka ngokwenkqubo.
Ukuba unesiqinisekiso setyala letyala, ungafaka iFomu ye-IRS 8396 kunyaka ngamnye werhafu ngelixa isatifikethi sakho sisebenza. Kwaye ungakwenza oku nokuba awuyibambi into exhuzulwayo kwaye uthathe ukutsalwa okuqhelekileyo endaweni yoko. Jonga isikhokelo kwiwebhusayithi ye-IRS.
Ngokungafaniyo nokutsalwa kwerhafu ye-mortgage, enokunciphisa ingeniso yakho erhafiswayo-kwaye kuphela ukuba uhlawula iirhafu zakho-isatifikethi sekhredithi ye-mortgage sibonelela ngokunciphisa i-dollar-dollar kwi-bill yakho yerhafu. Kwaye awudingi ukwenza izinto ezitsalwayo ukuze usebenzise inzuzo. Ngaloo ndlela, abaninimzi abafanelekela ubuninzi be-MCC banokugcina ukuya kuthi ga kwi-2.000 yeedola ngonyaka kwiirhafu zabo.
Ifomu yokuQinisekisa iNgqesho kwi-Mortgage
INgxowa-mali yaMaziko eZimali oPhuhliso loLuntu (i-CDFI Fund) idlala indima ebalulekileyo ekuveliseni ukukhula koqoqosho namathuba kwezinye zezona ndawo zisweleyo kwisizwe sethu. Ngokunikezela ngezixhobo ezilungiselelweyo kunye neenkqubo ezintsha ezityala imali yeedola zomdibaniso kunye nenkunzi yecandelo labucala, iNgxowa-mali ye-CDFI isebenzela amaziko emali aqhutywa yimishini athatha indlela esekwe kwimarike ukuxhasa uluntu oluhlelelekileyo ngokwezoqoqosho. Le mibutho iqhutywa yimishini iyakhuthazwa ukuba ifake isicelo sesatifikethi se-CDFI kwaye ithathe inxaxheba kwiinkqubo ze-CDFI Fund ezifaka imithombo emitsha yemali ebumelwaneni abangenakufikelela kwimali.
Ishishini ngalinye elixhaswa ngemali, umsebenzi ngamnye oyiliweyo kunye nekhaya ngalinye elakhiwe limele inyathelo elibalulekileyo kwinguqu yobomi, usapho kunye noluntu. Olu lutshintsho lokwenyani. Le yiNgxowa-mali yeCDFI. Fumana ngakumbi >
: INgxowa-mali yaMaziko eMali yoPhuhliso loLuntu yeSebe leSebe likaNondyebo (CDFI) namhlanje ivule unyaka wayo wemali (FY) 2022 umjikelo wenkxaso-mali weNkqubo yeMali-mboleko yeDola encinci (iNkqubo yeSDL). Inkxaso-mali evela kwiNkqubo yeSDL ijolise ekwandiseni ukufikelela kwabathengi kumaziko emali ngokubonelela ngeendlela ezizezinye kwiimali-mboleko zeedola ezinexabiso eliphantsi. Inkxaso-mali evela kwiNkqubo yeSDL ikwajonge ukunceda abantu abangabhanganga kunye nabangenamali ebhankini ukuba bakhe amatyala, bafikelele kwinkunzi efikelelekayo, kwaye bavumele ufikelelo olukhulu kwinkqubo yezemali ebanzi.
