Umlinganiselo wetyala-kwingeniso
Ukuze uphendule lo mbuzo, kufuneka ukwazi iindlela zokubolekwa kwe-mortgage, kunye neemfuneko ezincinci zokulufanelekela. Ababolekisi baya kujonga amanqaku akho etyala, umvuzo, ukonga, ityala, kunye namaxwebhu ukuze babone ukuba ufanelekile na ukuba uboleke imali.
Kholwa okanye hayi, awudingi tyala libalaseleyo ukuze ufumane imali-mboleko. Iinkqubo ezahlukeneyo zomthengi wezindlu zineemfuno ezahlukeneyo zetyala, kwaye ngamanye amaxesha amanqaku etyala asezantsi njenge-580 anokufikelela.
Ezinye iinkqubo mboleko, ezifana ne-FHA, i-VA, kunye ne-USDA, zivumela ukusetyenziswa kwetyala elingelona lemveli kwisicelo se-mortgage. Unokumisela ukufaneleka kwakho ngetyala ngezinto ezinje ngeentlawulo eziluncedo, iintlawulo zerenti, iintlawulo ze-inshurensi, kunye neentlawulo zeselfowuni.
Oku kusebenza nakubabolekisi bezindlu abazisebenzelayo, apho kuya kufuneka ukuba unikezele ngeembuyekezo zakho zerhafu zobuqu nezeshishini kwiminyaka emibini edlulileyo. Iimbuyekezo zerhafu kufuneka zibonise ukuba ingeniso ibisoloko ikho kwiinyanga ezingama-24 ezidlulileyo, nto leyo ethetha ukuba ihleli ifana okanye inyukile.
Kwimeko ye-USDA, umzekelo, ingeniso yosapho iyonke kufuneka ibe ngaphantsi okanye ngaphantsi kwe-115% yomvuzo wommandla ophakathi. Kwaye ukuba ufaka isicelo seFannie Mae's HomeReady okanye iFreddie Mac's Home Possible programme, umvuzo wakho kufuneka ungagqithi kumda womvuzo wendawo yakho.
i-mortgage calculator
Iimfuno ezisisiseko zamazwe ngamazwe eNetherlandsUkufumana imali yokubambisa yaseDatshi, kufuneka ube nenombolo yeBSN. Ngaba uceba ukufudukela eNetherlands kwaye awunayo iBSN okwangoku? Sinokubala uhlahlo lwabiwo-mali lwe-mortgage ukuze ubone ukuba ungaboleka kangakanani ngaphandle kwenombolo ye-BSN.
Ngaba ndingafumana imali-mboleko eNetherlands ukuba ndinomsebenzi wethutyana? Ewe, unokufumana imali-mboleko yokuba unomsebenzi wethutyana. Unokufumana imali-mboleko eNetherlands ukuba unomsebenzi wethutyana. Ukuze ufumane i-mortgage, uya kucelwa ukuba ubhengeze injongo. Ngamanye amazwi, kufuneka uzimisele ukuqhubeka nomsebenzi wakho nje ukuba isivumelwano sakho sethutyana siphelile. Ukongeza, kufuneka unikeze uluhlu lwamaxwebhu esicelo se-mortgage.
Enye yeemfuno zokufumana i-mortgage eNetherlands ngokukhawuleza kukuba nekhontrakthi engapheliyo. Ukuba unesivumelwano esingenasiphelo, inkqubo yakho yesicelo semali-mboleko iya kukhawuleza. Amaxwebhu ongezelelweyo afunekayo ukuze ufumane i-mortgage e-Netherlands ngala:
imvume yangaphambili
Amanqaku okuthenga ngetyala anokuba sisihloko esibhidayo nakwabona bathengi banolwazi ngezezimali. Uninzi lwabantu luyaqonda ukuba amanqaku alungileyo etyala anyusa amathuba akho okufumana imali-mboleko kuba ebonisa umbolekisi ukuba unokubuyisela imali mboleko ngexesha.
Yiyo loo nto abaninzi ababolekisi befuna awona manqaku mancinci amatyala emali-mboleko abayinikezelayo. Kodwa ngaba uyazi ukuba yeyiphi eyona nqanaba lincinci letyala olidingayo ukuze ufumane imali-mboleko kwaye uthenge ikhaya? Kwaye ubusazi ukuba obu buncinci buyohluka ngokuxhomekeke kuhlobo lwemali-mboleko oyikhangelayo?
Ngokubanzi, uya kufuna amanqaku ekhredithi ubuncinane angama-620 ukuze ufumane imali mboleko yokuthenga ikhaya. Leyo yeyona mfuno isezantsi yamanqaku etyala uninzi lwababolekisi abanalo kwimali-mboleko eqhelekileyo. Oko kwathiwa, kusenokwenzeka ukuba ufumane imali mboleko ngamanqaku asezantsi etyala, kubandakanya amanqaku angama-500.
Awona manqaku asezantsi etyala afunekayo ukuze ufumane imali-mboleko ngo-2021 ixhomekeke kuhlobo lwemali-mboleko ofuna ukuyifumana. Amanqaku ayahluka ukuba ufaka isicelo semali mboleko ye-inshorensi ye-Federal Housing Administration, eyaziwa ngokuba yi-FHA; omnye ofakwe kwi-inshorensi yeSebe leMicimbi yamagqala eUnited States, owaziwa ngokuba yi-VA mboleko; okanye imali-mboleko yemali-mboleko yesiqhelo kumbolekisi wabucala:
I-Rocket 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.
