Isilinganiso sesikweletu nemali engenayo
Ukuze uphendule lo mbuzo, kufanele wazi izinketho zokubolekwa kwezindlu, kanye nezidingo ezincane zokuyifanelekela. Ababolekisi bazobheka amaphuzu akho esikweletu, imali engenayo, ukonga, isikweletu, namadokhumenti ukuze babone ukuthi uyakufanelekela yini ukubolekwa imali.
Uyakholwa noma ungakukholwa, awudingi isikweletu esihle kakhulu ukuze uthole imali mboleko. Izinhlelo ezihlukene zomthengi wezindlu zinezidingo ezihlukile zekhredithi, futhi ngezinye izikhathi amaphuzu esikweletu aphansi njengo-580 angahlangatshezwana nawo.
Ezinye izinhlelo zokubolekwa imali, njenge-FHA, VA, ne-USDA, zivumela ukusetshenziswa kwekhredithi okungeyona yendabuko ekufakeni isicelo semali mboleko. Ungaqinisekisa ukufaneleka kwakho kwekhredithi ngezinto ezifana nezinkokhelo zezinsiza, izinkokhelo zerenti, izinkokhelo zomshwalense, nezinkokhelo zeselula.
Lokhu kuyasebenza nakubabolekisi bezindlu abazisebenzelayo, lapho kuyodingeka ukuthi unikeze izimbuyiselo zakho zentela yomuntu siqu neyebhizinisi zeminyaka emibili edlule. Izintela zentela kufanele zibonise ukuthi imali engenayo ayishintshile ezinyangeni ezingama-24 ezedlule, okusho ukuthi ihlale ifana noma inyukile.
Esimeni se-USDA, isibonelo, imali engenayo yomndeni isiyonke kufanele ibe ngaphansi noma ibe ngaphansi kuka-115% wemali engenayo yendawo. Futhi uma ufaka isicelo sohlelo luka-Fannie Mae luka-HomeReady noma luka-Freddie Mac luka-Home Possible, iholo lakho akufanele lidlule umkhawulo wemali engenayo endaweni yangakini.
mortgage wokubala
Izidingo eziyisisekelo zamazwe ngamazwe e-NetherlandsUkuze uthole i-Dutch mortgage, kufanele ube nenombolo ye-BSN. Uhlela ukuthuthela e-Netherlands futhi ungakabi nayo i-BSN? Singakwazi ukubala isabelomali sakho se-mortgage ukuze sibone ukuthi ungaboleka malini ngaphandle kwenombolo ye-BSN.
Ngingathola imali yokubolekwa e-Netherlands uma nginomsebenzi wesikhashana? Yebo, ungathola imali yokuthenga indlu uma unomsebenzi wesikhashana. Ungathola i-mortgage e-Netherlands uma unomsebenzi wesikhashana. Ukuze uthole i-mortgage, uzocelwa ukuthi umemezele inhloso. Ngamanye amazwi, kufanele uhlose ukuqhubeka nomsebenzi wakho ngokushesha nje lapho kuphela inkontileka yakho yesikhashana. Ngaphezu kwalokho, kufanele unikeze uhlu lwemibhalo yesicelo se-mortgage.
Enye yezidingo zokuthola imali ebolekwayo eNetherlands ngokushesha ukuba nenkontileka engapheli. Uma unenkontileka engapheli, inqubo yakho yesicelo semalimboleko izoshesha. Amadokhumenti engeziwe adingekayo ukuze uthole i-mortgage e-Netherlands yilawa:
imvume yangaphambili
Izikolo zezikweletu zingaba yisihloko esididayo nakubathengi abanolwazi olunzulu lwezezimali. Abantu abaningi bayaqonda ukuthi amaphuzu amahle esikweletu akhulisa amathuba akho okuthola imali ebolekiwe ngoba kukhombisa umebolekisi ukuthi kungenzeka ukhokhe isikweletu ngesikhathi.
Yingakho ababolekisi abaningi bedinga amaphuzu amancane esikweletu emali mboleko abayinikezayo. Kodwa ingabe uyazi ukuthi yimaphi amaphuzu amancane wekhredithi oyidingayo ukuze uthole imali yokuthenga indlu futhi uthenge ikhaya? Futhi bewazi ukuthi lobu buncane buyahlukahluka kuye ngohlobo lwemali mboleko oyifunayo?
Ngokuvamile, uzodinga amaphuzu esikweletu okungenani angu-620 ukuze uthole imali mboleko yokuthenga ikhaya. Leso yisidingo esincane samaphuzu esikweletu ababolekisi abaningi abanaso semalimboleko evamile. Sekushiwo lokho, kusengenzeka ukuthola imali ebolekiwe enamaphuzu esikweletu aphansi, okuhlanganisa namaphuzu angama-500.
Inani elincane lesikweletu elidingekayo ukuze uthole imali mboleko ngo-2021 lincike ohlotsheni lwemali mboleko ofuna ukuyithola. Izikolo ziyehluka uma ufaka isicelo semalimboleko enomshwalense we-Federal Housing Administration, eyaziwa kangcono ngele-FHA; eyodwa enomshwalense woMnyango Wezindaba Zomakadebona wase-United States, eyaziwa ngokuthi yimalimboleko ye-VA; noma imali ebolekiwe yempahla ebolekiwe evela kumabolekisi ozimele:
I-Rocket Mortgage
Ukuthenga umuzi kungase kujabulise futhi kujabulise, kodwa abathengi abakhulu kufanele baqale inqubo ehhovisi lababolekisi, hhayi endlini evulekile. Abathengisi abaningi balindele ukuthi abathengi babe nencwadi yokugunyaza kusengaphambili futhi bazimisele kakhulu ukubhekana nalabo abakhombisa ukuthi bangathola uxhaso.
Ukufaneleka kokubolekwa kwempahla kungase kube usizo njengesilinganiso sokuthi umuntu angakwazi ukusebenzisa imali engakanani endlini, kodwa ukugunyazwa kusengaphambili kubaluleke kakhulu. Kusho ukuthi umebolekisi uhlole isikweletu salowo ongase abe umthengi futhi uqinisekise amadokhumenti ukuze agunyaze inani elithile lemalimboleko (ukugunyazwa ngokuvamile kuthatha isikhathi esithile, njengezinsuku ezingu-60-90).
Abathengi abangase bazuze izinzuzo ngezindlela ezimbalwa ngokuthintana nomabolekisi futhi bathole incwadi yokugunyaza kusengaphambili. Okokuqala, banethuba lokuxoxa ngezinketho zemalimboleko kanye nesabelomali nomabolekisi. Okwesibili, umbolekisi uzohlola isikweletu somthengi futhi aveze noma yiziphi izinkinga. Umthengi uzokwazi futhi inani eliphezulu lemali angakwazi ukuliboleka, okuzobasiza ukuthi basungule ibanga lentengo. Ukusebenzisa i-mortgage calculator kuyinsiza enhle yezindleko zebhajethi.
