Inkqubo entsha yoncedo lokubambisa
Umthetho woNcedo lweCoronavirus, uNcedo, kunye noKhuseleko loQoqosho (CARES) uyalele ababolekisi ngemali yokubambisa yosapho olunye ukuba banqumamise ukuhlawulwa kwaboboleki ukuya kuthi ga kwiintsuku ezingama-360 ukuba bafumana ubunzima bezemali ngenxa yokuqhambuka kwecoronavirus. Abanini beeyunithi zeentsapho ezininzi ezineemali mboleko ezixhaswa ngurhulumente babenonyamezelo olufanayo kodwa olufutshane (lweentsuku ezingama-90).
Umthetho olandelayo, kubandakanya uMthetho oDityanisiweyo woLwabiwo-mali ka-2021 kunye noMthetho we-Bailout waseMelika ka-2021, kunye nezenzo zesigqeba somongameli, kukhokelele kuncedo olongezelelekileyo lwemali-mboleko emva kwengxaki yezemali ka-2020.
Iimali mboleko ezisemthethweni ezisemthethweni zinokubanjwa ngabanini bezindlu kunye nabanini-mhlaba kunye nabanye abanini bamashishini. Imithetho iyahluka kubaboleki bezindlu zokuhlala xa kuthelekiswa nabanini beepropathi zeentsapho ezininzi.
Abalawuli be-Federal bakholelwa ukuba uninzi lwababolekisi abangaxhaswa ngurhulumente kunye nabaxhasi bemali-mboleko baya kwamkela imigaqo-nkqubo efana naleyo ifunwa nguMthetho we-CARES kunye nomthetho olandelayo. Ukufumana oku, qhakamshelana nomntu oboleka imali, buza ukuba zeziphi iinkqubo abanazo zokubonelela ngesiqabu semali mboleko kubanini-zindlu abachatshazelwe kukuqhambuka kwecoronavirus, kwaye ulandele nayiphi na imiyalelo abakunika yona.
Inkqubo yoNcedo lweMortgage eNgxamisekileyo
Iinkqubo ze-APD zihlala zikhona ukunceda abantu abaqalayo ukuthenga izindlu, iintsapho ezinemivuzo ephantsi, okanye abanye abathengi abahlelelekileyo. Nangona kunjalo, inkqubo nganye yoncedo lobuninimzi ineemfuno zayo zokufaneleka, kwaye ezinye zibanzi kunezinye.
Ezinye izibonelelo zokuthenga amakhaya okanye ii-APD ziphuma kwimibutho engenzi nzuzo edibanisa abantu abanezindlu ezifikelelekayo. Kodwa uninzi lwezibonelelo kunye neenkqubo zoncedo lwentlawulo ehlayo zivela kwii-Arhente zezeMali zeZindlu zikarhulumente (HFAs).
Ukuba ungomnye wale mi sebenzi kwaye uzimisele ukuzibophelela ekuphileni ubuncinci iminyaka emithathu ebumelwaneni esaphuhlayo, unokufuna ukuphonononga le nkqubo ngakumbi.
Inkqubo kaFannie Mae's Community Seconds ibonelela ngentlawulo ephantsi kunye/okanye ukuvala uncedo lweendleko kubathengi abaqalayo ukufaneleka ngendlu mboleko kaFannie Mae. Ihlala idityaniswa kunye nemali-mboleko ye-HomeReady, efuna kuphela i-3% yentlawulo ephantsi kwaye ineemfuno eziguquguqukayo kubaboleki.
NgeHomePath, uFannie unceda abathengi bathenge iipropathi ze-REO (real estate). Inkqubo ye-HomePath inceda abafaki-zicelo kuyo yonke inkqubo yokuthenga ikhaya, ukusuka ekufumaneni kunye nokwenza umnikelo kwikhaya ukuya kwinkxaso-mali kunye nokuvala.
iigranti zokuboleka imali
Abaqeshisi kunye nabanini-mhlaba abangaziyo ukuba bangajika phi banokusebenzisa iwebhusayithi entsha ye-Consumer Financial Protection Bureau. Le webhusayithi yenza kube lula ukufumana ababoneleli boncedo lokurenta kwindawo yakho. Yiya e:
Qhagamshelana ne-mortgage servicer (inkampani othumela kuyo iintlawulo zakho zenyanga) ngokukhawuleza ukubazisa ngeemeko zakho zangoku. Inombolo yefowuni yomthengisi-mpahla kunye nedilesi yeposi kufuneka zidweliswe kwisiteyitimenti sakho senyanga semali-mboleko.
Abalawuli bayakuqhagamshelana nawe malunga neentsuku ezingama-30 ngaphambi kokuba isicwangciso sakho sonyamezelo siphele ukufumanisa ukuba yeyiphi inkqubo yoncedo ekulungeleyo ngelo xesha. Sebenza nomlawuli wakho ukuze ubone ukuba loluphi na ukhetho olufanelekileyo.
apha ukufumana phandle) zigqunywe sisithintelo sokugxothwa okwethutyana. Abaqashi kulindeleke ukuba baqhubeke nokuhlawula irenti ngexesha lokunqunyanyiswa kokukhutshwa, ukuba bayakwazi ukwenjenjalo. Abantu abafumana ubunzima bezemali kufuneka baqhagamshelane nomqeshisi wabo ukuze baxoxe ngeemeko zabo kunye nezisombululo ezinokubakho.
Uncedo lwemali kaRhulumente
Kholwa ungakholelwa, izibonelelo zokukunceda uthenge ikhaya zikhona ngokwenene. I-Down Payment Assistance (DPA) inceda abo bathenga izindlu ngeegranti okanye ngemali-mboleko enenzala ephantsi, inciphisa imali abayifunayo ukuze bayigcinele intlawulo ephantsi.
Uninzi lwee-DPAs zifuna ukuba ube ngumthengi wokuqala wendlu (ithetha ukuba awunakhaya kwiminyaka emithathu) unamanqaku afanelekileyo ngetyala kunye nomvuzo ophantsi ukuya kumphakathi. Kodwa ayizizo zonke iinkqubo ezinemigaqo efanayo.
Inkqubo nganye yoncedo lwentlawulo ephantsi yahluke kancinane. Iikhrayitheriya ezichanekileyo zokufaneleka ziya kuxhomekeka kwindawo ohlala kuyo kunye nokuba zeziphi iinkqubo ezikhoyo. Oko kwathiwa, abaninzi babo banezikhokelo ezifanayo.
Eyona ndlela ilungileyo yokufumanisa ukuba zeziphi iinkqubo zoncedo lwentlawulo onokuthi ulufanele kukuthetha negosa lakho lemali-mboleko okanye umthengisi. Bafanele bazi malunga nezibonelelo zengingqi kunye neenkqubo mboleko ezinokukunceda. Baya kukwazi kwakhona ukuba zeziphi iinkqubo umbolekisi onokuzamkela (ayingabo bonke ababolekisi abasebenza ngazo zonke ii-DPAs).
Kuxhomekeke kwindawo ofuna ukuthenga kuyo, unokuba emgceni wento engekhoyo. Okanye amawaka ambalwa eedola ngendlela ye-mortgage yesibini. Okanye amawaka amaninzi ngendlela yesibonelelo, ongasoze ufune ukuyibuyisela.
