Abathengi bamakhaya abaqalayo bafumana isibonelelo sikarhulumente se-$7.500
Qaphela: Ukuba ufikelela kweli phepha lewebhu kwisixhobo sakho esiphathwayo, umboneleli wakho wenkonzo engenazingcingo unokukuhlawulisa amanani afanelekileyo edatha. Jonga kumnikezeli wakho wenkonzo engenazingcingo malunga nesicwangciso samaxabiso. Umyalezo kunye namaxabiso edatha angasebenza.
Isixa-mali senkxaso-mali asinako ukudlula ngaphantsi kwale mida mithathu ilandelayo: (A) I-2% yexabiso lokuthenga ikhaya; (B) I-2% yexabiso eliqikelelweyo lekhaya, okanye (C) i-$ 7.500. Ukuba eyona ntlawulo iphantsi kunye/okanye iindleko zokuvala zingaphantsi kwesixa-mali senkxaso-mali ebekelwe bucala, iimali eziye zakhutshwa ekuvaleni ziya kulinganiselwa kwintlawulo kanye/okanye yokuvala iindleko. Nangona kunjalo, ngaphambi kokuba nayiphi na imali ibekelwe bucala isibonelelo, abafaki-zicelo kufuneka bangenise ikhontrakthi yokuthenga eyamkelekileyo nephunyezwe ngokupheleleyo echaza ipropati eza kuthengwa. Ukuba isicelo sivunyiwe ngaphambi kokuba sifumane isivumelwano sokuthenga esiphunyezwe ngokupheleleyo nesamkelekileyo, imali iya kugcinelwa isibonelelo kamva, ukuba sikhona, emva kokufunyanwa kweso sivumelwano.
Ubuncinci umfaki-sicelo omnye kufuneka abe ngumthengi wezindlu wokuqala ongenguye ngoku umniniyo nayiphi na indawo yokuhlala kwaye othenga ikhaya kwiphondo laseWashington, Oregon, okanye eMzantsi Carolina, okanye eBenewah, kwingingqi yaseBonner, eBoundary, Clearwater, Idaho. , Kootenai, Latah, Lewis, Nez Perce, okanye Shoshone, Idaho.
Iimfuno zengeniso kubathengi bokuqala ekhaya
Ukuze uqwalaselwe kwi-mortgage, kuya kufuneka ukuba ube kwishishini iminyaka emithathu kwaye ukwazi ukubonisa ubungqina bengeniso kwiminyaka emibini yokugqibela yerhafu. Abanye ababolekisi baya kufuna iminyaka emithathu ye-accounting.
Ukuba kunjalo kuwe, uya kucelwa ukuba ubonise ubungqina beekhontrakthi zexesha elizayo kunye neekhomishini ukuze uqinisekise umbolekisi wakho ukuba uya kukwazi ukuhlawula izavenge. Kodwa ukhetho lwakho lwemali yokubambisa lunokulinganiselwa.
Oku akuthethi ukuba ugwetywe ngokuqatha ngokutya ngaphandle okanye ngokurhuma kwindawo yokuzivocavoca. Kodwa umbolekisi kufuneka aqiniseke ukuba unako ukuhlawula imali-mboleko nyanga nganye kwaye unengeniso eyaneleyo eseleyo yokuhlawula ezinye iindleko.
Amaxwebhu afunekayo kwi-mortgage yokuziqeshisa anzima ngakumbi, ngoko unokukufumanisa kuluncedo ukusebenzisa umcebisi we-mortgage. Baza kukunika ulwazi oluthe kratya malunga neenketho zakho zokubambisa kwaye banokukunceda ngesicelo[1].
Uncedo lokuthenga ikhaya lokuqala
Ngaba umvuzo wakho kunye nexabiso lokuthenga ikhaya lingaphakathi kwingeniso efunekayo kunye nemida yexabiso lokuthenga? Imida yengeniso imiselwa ngokusekwe kwindawo ethengiweyo kunye nobukhulu bosapho, kodwa ayinakudlula i-140% yomvuzo ophakathi. Iipropati ezikuMmandla weDolophu oKhethekileyo (i-UTA) zingafanelana nemida yomvuzo ophezulu. Ukugqiba ukuba ipropati yakho ecetywayo ingaphakathi kwe-UTA, tyelela iSikhungo seSayithi kwaye ulandele imiyalelo yokufundisa, emva koko uphonononge uxwebhu olufanelekileyo lwexabiso lokuThenga kunye neMida yeNgeniso, edityaniswe ngezantsi.
Amalungu asebenzayo ePolisa yaseNew Jersey kunye neNkqubo yoMhlalaphantsi woMlilo (PFRS) enonyaka omnye wenkonzo yekhredithi afanelekile kule nkqubo. Ubuninzi bemali yokubolekwa kwemali yi-$ 647.200. Inzala imiselwe kwiminyaka engama-30. Iireyithi zeprogram zimiselwa isiqingatha sonyaka ngoFebruwari nango-Agasti. Uya kufumana iinkcukacha ezithe xhaxhe kwiphepha lethu lengxelo kwiNkqubo yokuboleka imali yePolisa kunye neNkqubo yoMhlala-phantsi woMlilo.
Kunini apho uthathwa njengomthengi wezindlu okokuqala kwakhona?
Zininzi iinkqubo mboleko yezindlu ezilungiselelwe abathengi bokuqala ekhaya. Uninzi lwezi nkqubo zinezikhokelo zokufaneleka ezibhetyebhetye ngakumbi ukwamkela ababoleki abanemivuzo ephantsi yosapho, amanqaku etyala, okanye iintlawulo eziphantsi.
Okanye, ungakufanelekela ukubolekwa imali kaFannie Mae ngetyala-kwingeniso-mali efikelela kuma-49,99% (kufuneka ibe ngaphantsi kwama-50%), endaweni yama-43%. Kodwa uya kufuna ezinye izinto zembuyekezo (njengeakhawunti enkulu yokonga) ukuze ulungele.
Ngokufanayo, inkqubo yemali mboleko ye-USDA ivumela intlawulo ye-zero, ukunciphisa iindleko ze-inshurensi ye-mortgage, kunye nenzala ephantsi kune-market-mortgage rate. Kodwa iSebe lezoLimo lase-US lixhasa kuphela ezi mboleko kwiindawo ezisemaphandleni nakwiindawo ezinabemi abambalwa, ngoko ayizizo zonke izinto ezithengwayo ezifanelekileyo.
Ngokomzekelo, inkqubo ye-Good Neighbor Next Door inokubonelela nge-50% kwixabiso lokuthenga ikhaya kubafundisi-ntsapho, abacimi bomlilo, kunye nee-paramedics. Kodwa kufuneka bathenge ikhaya elidweliswe ukuthengiswa liSebe leZindlu kunye noPhuhliso lweDolophu (HUD) kwindawo ethile yokuvuselela.
Ngokubanzi, abo baqalayo ukuthenga izindlu kufuneka baqinisekise ubuncinci iminyaka emibini yengeniso kunye nengqesho ezinzileyo ukuze bafanelekele ukubolekwa imali yendlu. Nangona kunokubakho iindlela zokuhlangabezana neemfuno ezingaphantsi kweminyaka emibini yengqesho.
