Ngingakwazi yini ukuthola imali mboleko ngaphandle komsebenzi uma ngiyongile?
Izinga lokubamba iqhaza kwabasebenzi, elikala inani labantu abaneminyaka yobudala yokusebenza (15 kuya ku-64) emsebenzini, lisezingeni eliphansi kunawo wonke kusukela ngeminyaka yawo-1970. Ngo-August, abantu baseMelika abayizigidi ezingu-4,3 bashiya imisebenzi yabo, okuyisibalo esiphezulu kakhulu eminyakeni engu-21. lapho I-US Bureau of Labor Statistics iqala ukuqopha le datha ngo-2000.
Kodwa kuthiwani uma abantu abashiye imisebenzi yabo befuna ukuthenga indlu ezinyangeni noma eminyakeni ezayo, ikakhulukazi lapho amanani emakethe yezindlu eqhubeka nokukhuphuka? Nakuba izindaba zabantu abashiye umsebenzi ngenxa yezizathu ezahlukene, njengokuthi base bekhathele wukusebenza ezindaweni zokudlela bethola iholo elincane, bagcine sebethatha isinqumo sokuthatha umhlalaphansi, bathole imisebenzi eholela kangcono noma bafuna qala ibhizinisi elisha. Kodwa-ke, akuwona wonke ama-waivers adalwe alingana emehlweni ababolekisi bezindlu.
Njengoba bengasadingi ukusebenza ehhovisi ledolobha elikhulu, abanye abasebenzi basekhaya basuka emadolobheni amakhulu ukuze bathole indawo eyengeziwe (futhi ngezinye izikhathi nezindleko eziphansi) ezindaweni zasemadolobheni nezasemaphandleni. Abanye kungenzeka bavele banquma ukuthi sekuyisikhathi sokuphishekela amaphupho abo okuba nekhaya lapho bebhekene nobhadane olushintsha ukuphila.
Kufanele uqashwe isikhathi esingakanani ukuze uthole i-mortgage?
Uma isicelo sakho semali mboleko sinqatshwa, kunezinto ezimbalwa ongazenza ukuze uthuthukise amathuba akho okugunyazwa ngokuzayo. Ungajahi ukuya komunye umbolekisi, njengoba isicelo ngasinye singavela kufayela lakho lesikweletu.
Noma yiziphi izikweletu zosuku lokukhokha othole eminyakeni eyisithupha edlule zizovela kurekhodi lakho, ngisho noma uzikhokhe ngesikhathi. Kusengamelana nawe, njengoba ababolekisi bengase bacabange ukuthi ngeke ukwazi ukukhokhela umthwalo wemfanelo wezezimali wokuba ne-mortgage.
Ababolekisi abaphelele. Abaningi babo bafaka idatha yohlelo lwakho lokusebenza kukhompuyutha, ngakho-ke kungenzeka ukuthi imali mboleko ayizange inikezwe ngenxa yephutha kufayela lakho lesikweletu. Umabolekisi mancane amathuba okuthi akunikeze isizathu esithile sokwehluleka ukufaka isicelo sekhredithi, ngaphandle kokuthi sihlobene nefayela lakho lesikweletu.
Ababolekisi banemibandela ehlukene yokubhala ngaphansi futhi bacabangela izici ezimbalwa lapho behlola isicelo sakho semalimboleko. Angasekelwe kwinhlanganisela yobudala, imali engenayo, isimo sokuqashwa, isilinganiso semalimboleko ukuya kwenani, nendawo yendawo.
I-mortgage engaphansi konyaka ongu-1 wokuqashwa
Uma unomsebenzi wezinkathi ezithile zonyaka futhi usebenza ingxenye yonyaka kuphela, ungase ube nenkinga yokuthola imali yokuthenga indlu ukuze uthenge noma uthenge kabusha ikhaya. Ukuthi umsebenzi wakho ungowesizini ngempela, njengokutshala ingadi noma ukususwa kweqhwa, noma umsebenzi wesikhashana owenza ngezikhathi ezithile, lolu hlobo lomsebenzi lungahlukaniswa njengolungenamsebenzi.
Kuzodingeka unikeze amadokhumenti, njengamafomu e-W-2 nezimbuyiselo zentela, ukuze uqinisekise kumshwalense ukuthi usebenzela umqashi ofanayo - noma okungenani usebenze kulayini ofanayo womsebenzi - iminyaka emibili edlule. Umqashi wakho kufanele futhi akunikeze imibhalo ekhombisa ukuthi uzokuqasha kabusha ngesizini elandelayo.
Ukuba nemibhalo efanele kungaba umehluko phakathi kokufanelekela ukubolekwa imali noma cha. Ngaphambi kokuthi uqale isicelo sakho semali mboleko, qiniseka ukuthi unama-W-2 eminyaka engu-2 yokugcina, izimbuyiselo zentela, izigaxa zokukhokha, izitatimende zasebhange, kanye nanoma ibuphi obunye ubufakazi benkokhelo. Kuzodingeka futhi unikeze isiqinisekiso esivela kumqashi wakho sokuthi uzoqashwa ngesizini ezayo.
Ngingakwazi yini ukubolekwa imali uma ngisanda kuqala umsebenzi omusha?
Kubabolekisi abaningi, enye yezidingo zokuqala umlando wokusebenza ongaguquki weminyaka emibili, noma iminyaka emibili ebhizinisini kubaboleki abazisebenzelayo. Uma ungenayo iminyaka emibili yomlando womsebenzi futhi ubulokhu ufuna imali yokuthenga indlu, nakanjani uzothola ukuthi bambalwa ababolekisi abangakusiza.
Imfuneko yomlando womsebenzi iqhutshwa uFannie Mae noFreddie Mac imihlahlandlela ukuze ufanelekele ukubolekwa imali okuvamile. Ababolekisi bendabuko, njengebhange ongayithola endaweni yangakini, landela leyo mihlahlandlela.
Uma ungenayo iminyaka emibili egcwele yomlando womsebenzi, ungathola imali mboleko ukuze uthenge ikhaya lamaphupho akho. Nokho-ke izoba ngohlelo okungelona olwamasiko. Uzodinga ukufakazela ukuthi uqashiwe futhi unohlelo oluqhubekayo lwemali engenayo. Ake sikusize uthole umbolekisi ozogunyaza i-mortgage ngaphandle kweminyaka emibili yomlando womsebenzi.
Ababolekisi abaningi ngeke bakuvumele ukuthi ube nezikhala emsebenzini ngaphandle kwencazelo ebhaliwe eyamukelekayo. Igebe lingase lidalwe ukulahlekelwa umsebenzi kanye nesikhathi esisithathile ukuthola umsebenzi omusha. Kungase kube ngenxa yokugula noma ukunakekela ilungu lomndeni. Kwezinye izimo, igebe ladalwa ngemva kokuba umntwana osanda kuzalwa efikile emhlabeni. Isikhathi esiningi isicelo sokubolekwa imali siyachithwa ngenxa yokuntuleka kokuqashwa. Siyakwazi ukunqoba le nkinga futhi senze isicelo sakho semalimboleko sigunyazwe.
