Ngokusebenzisa ababolekisi ngemimiselo yabo, iCongress yakwazi ukugqithisa imigaqo emininzi yelizwe kunye nemimiselo eyahlukileyo enxulumene nokuthengiswa kwezindlu kwilizwe lonke. Ababoleki kufuneka bahlale kwi-RESPA, kwaye oku kuvumela ngokufanelekileyo ukulawulwa kwenkqubo yokuzinza.
Ingxelo ebalulekileyo ye-RESPA "nayiphina imboleko yemali ebophelelwe yimali."
Njengoko iimali-mboleko ezininzi zokuhlala ziphela ngokumalunga ne-federal ngandlela-thile ngokuqinisekiswa kwemali-mboleko kunye ne-consolidation fund, i-RESPA ihlanganisa ubuninzi beentengiselwano zezindlu. Ndiyathetha ngokukodwa malunga neziqinisekiso zemboleko ezivela kuFannie Mae noFreddie Mac. Ngokukodwa, iziphumo zokubambisa ziquka:
- amaninzi ebolekwe yi-lien (indawo yokuqala okanye ephantsi) kwipropati yokuhlala;
- mboleko mboleko;
- Umboleki-mboleko ovunyiweyo;
- ukuhlaziya imali;
- iimboleko zokuphucula impahla;
- I-HELOK, imigca yokulingana kwemali yekhredithi; kwaye
- ukubuyiswa kwemali.
Iikontraki zokuthengisa zentengiso, okanye iimvumelwano zemihlaba, ziya kugqitywa ukuba umthengisi abuyisele inxalenye yemboleko mboleko kwaye uhlawulwa ngemali mboleko kweso propati ehlanganiswe yi-RESPA.
I-key apha i-mboleko eqinisekisiwe nguFannie Mae, uFreddie Mac, i-USDA, i-VA, i-FHA kunye namanye amashishini karhulumente.
Akuyilona uhlobo lomboleko kunye nenyaniso yokuba urhulumente wephondo uchaphazelekayo. Ngokumalunga neentlobo zemboleko abathengi bakho abangayifaka isicelo sokuba yi-RESPA zibandakanyeke:
Mortgage
Le ngxowa-mboleko ehlangabezana neemfuneko zokubhalwa phantsi kwezinto eziqhelekileyo kwaye ayithathwa njenge-Jumbo mortgage ngaphezu kweyona nto iphezulu eneemfuno ezingqongqo zeziqinisekiso.
Ezi zivame ukukhutshwa ngamabhanki kunye nababolekisi bemali.
FHA
I-Federal Housing Administration iqinisekisa ukubolekwa kwemali yokubolekwa kwemali kunye neengxaki zokuthenga imali. Emva kokuhlaselwa ngo-2006 phambili, iimali-mboleko ze-FHA ziye zaziwa kakhulu ngenxa yeemfuno zokuhlawula eziphantsi kwe-3.5%. Ezinye iimali-mboleko, ngokukodwa iimali-mboleko eziqhelekileyo, zifuna i-20% phantsi kweentlawulo. Nakhu okushiwo yi-FHA kwiwebhusayithi yabo:
Injongo ye-Ofisi yeZindlu yile:
Ncedisa ekwakheni nasekulondolozeni amagumbi anempilo kunye noluntu
Gcina nokwandisa ubunini bezindlu, izindlu zokuqashisa, kunye namathuba okunakekelwa kwempilo
Ukuzinzisa iimarike zemali-mboleko ngexesha lokuphazamiseka koqoqosho
Ukusebenza ngezinga eliphezulu lokuphendula uxanduva lomphakathi kunye nezimali
Qaphela kwaye uxabise abathengi bayo, abasebenzi, amaqela kunye namaqabane
VA
Ulawulo lweeVeteran luqinisekisa nokubolekisa imali, ezinye zihlawulwe okanye zihlawulelwe phantsi kweentloko. Zizinto ezinqabileyo ngakumbi, ngokubhekiselele kwimeko yepropati kunye nokuhlolwa. Oku kulandelayo ngumsebenzi we-VA wokuqinisekisa:
"I-VA inceda abancedisi, ii-Older, kunye nabasemsebenzini abafanelekileyo ukuba babe ngabahlali. Njengengxenye yethu yokumisela ukukhonza, sinika inzuzo yemali mboleko yemakhaya kunye nezinye iinkqubo ezinxulumene nezindlu ukuncedisa ukuthenga, ukwakha, ukulungisa, ukugcina okanye ukulungelelanisa ikhaya kwikhaya lakho.
Imali-mboleko yasekhaya yakwa-VA inikezelwa ngabathengi bangebucala, njengabhanki kunye nenkampani yokuboleka imali. VA iqinisekisa inxalenye yemboleko, ivumela umnini-mboleko ukuba anikezele ngemigangatho efanelekileyo. "
USDA
ISebe lezoLimo laseUnited States lisoloko lingajongwa njengomgcini-mboleko, kodwa banenkqubo yokuqinisekisa imali yokuhlala emakhaya "kwiindawo zasemaphandleni" malunga nelizwe. Abanye abbolekayo banokungena kwikhaya elibolekayo ukuya kwi-110% yexabiso elilinganisiweyo lekhaya.
UFannie Mae noFreddie Mac
Ezi zikarhulumente zikarhulumente eziqeshwe ngabakhokhi berhafu emva kokuhlaselwa kwezindlu. Baye bafumana inzuzo kwakhona kwaye bafumana iimali-mboleko zemali kwilizwe lonke. Zikude zikarhulumente eziphambili eziqinisekisa ukuhlala kwemali yokuhlala.
UFannie noFreddie Foreclosures
Ezi zixhobo ziphelile ngamakhaya aphinde ahlaziywe kwi-inventory yabo kwaye azivakalise ukuba bathengiswe kwiiwebhusayithi zabo ezinezimali ezizodwa ezikhoyo.
Yindlela efanelekileyo yokufumana ikhaya ngexabiso kunye nezimali ezifanelekileyo, kodwa banesidingo sokulungiswa okukhulu.
Nangona kukho abagxeki abaninzi ababeka isohlwayo malunga nokuhlaselwa kwezindlu kunye nokukhwabanisa kwemali kule mboleko kunye nekhredithi elula, abanye banqwenela ukuba kuya kubakho abaninzi abathengi basekhaya ngaphandle kwezi nkqubo.