Ubunzima: Kulula
Ixesha elifunekayo: imizuzu emi-5 wakuba uyazi i-cash flow phambi kweentlawulo
Nantsi indlela:
- Misela ukuhamba kwemali phambi kwentela.
- Ukukrazula uxanduva lokuhlawulwa kweerhafu, urhulumente kunye nesigqeba.
Isiphumo siKhukhula kweMali emva kweThafu.
- Enye indlela yokubala iCFAT yile:
I-CFAT = Intlawulo yeNtlawulo + Ukunyuka kwexabiso + Ukwabiwa kwemali + Ezinye iiNkokhelo ezingekho kwiCash
Akunjalo ezohlukeneyo, njengoko nje udibanisa izinto zeemali eziye zakhishwa kwi-Cash Flow ngaphambi kokuhlawula intela. Kwi-CFBT yokubala, inkonzo yetyala ithathelwa kwiNtshumo yeNtengiso, njengokuba kuphuma imali. Nangona kunjalo, ukwehliswa kwexabiso kunye nomdla kuyakucatshulwa kwiirhafu kwaye ke zongezwa kwakhona ukuze zifumane iCFAT.
Iingcebiso:
Fumana i-spreadsheet yemali ye-calculator ye-real estate apha.
Urhulumente kunye nabaTyalo-mali
Imirhumo yonke malunga noorhulumente, ngoko kutheni ungathethi malunga neenkqubo ezahlukeneyo zorhulumente kunye neenkqubo zokuqinisekisa ngemboleko kunye nempembelelo yazo kwiimarike zendlu. Ndiza kunxibelelana nabo ukuze wenze olunye uphando.
I-HUD malunga nale mishini yegosa:
Injongo ye-HUD kukudala uluntu oluzinzileyo, oluzinzileyo, olubandakanyekayo kunye nemimandla enokuthengwa ngamanani kubo bonke. I-HUD isebenza ekuqiniseni imakethi yezindlu ukuqinisa ubutyebi nokukhusela abathengi; ukuhlangabezana neemfuno zokubaluleka, amakhaya anezindlu eziqashisayo; sebenzisa izindlu njengeqonga lokuphucula umgangatho wobomi; ukwakha uluntu olubandakanyekayo nolulondolozo lukhululekile ekucaluleni, kwaye utshintshe indlela ye-HUD eyenza ishishini.
I-FHA iqinisekisa ukuhlawulwa kwemali:
I-Federal Housing Administration, eyaziwa ngokuba yi "FHA," inika i-inshurensi yokuthenga ngemali kwiingxowa-mboleko ezenziwe ngababolekisi abavunyelwe yi-FHA kulo lonke elaseMelika kunye nemimandla yalo. I-FHA iqinisekisa iimali zokugcina imali kwiintsapho ezingatshatanga kunye nezindlu ezininzi ezibandakanya amakhaya akhiwe kunye nezibhedlele. Yona ngumbona omkhulu kwi-insurer ye-mortgages ehlabathini, i-insuring ngaphezu kwezigidi ezi-34 zeprojekthi ukususela ekuqaleni kwayo ngo-1934.
VA, iNgxowa-mboleko yaseKhaya:
VA inceda amalungu enkonzo, amaVeteran, kunye nabasetyhini abasweleyo ababa ngabahlali. Njengengxenye yomsebenzi wethu wokukukhonza, sinika inkxaso-mboleko yemali mboleko yemakhaya kunye nezinye iinkqubo ezinxulumene nezindlu ukukunceda ukuthenga, ukwakha, ukulungisa, ukugcina okanye ukulungelelanisa ikhaya 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.
FHFA, i-Federal Housing Finance Agency:
Injongo yethu kukuqinisekisa ukuba ama-Enterprises axhaswe nguRhulumente weZindlu asebenza ngendlela ekhuselekileyo neyengqiqo, ngoko asebenza njengomthombo onokwethenjelwa wokuthengwa kwemali kunye nenkxaso yemali yezindlu kunye notyalo-mali. Ngamanye amaziko anika imali engaphezulu kwama-5 trillion ngemali kwiimarike zemali ze-mortgage yase-US kunye namaziko emali.
Inkqubo yeFannie Mae Homepath:
Ipropati echanekileyo ingabonisa ithuba elihle kunye nexabiso elifanelekileyo-kodwa iPropati yePhayaPhakathi inokunikela ngakumbi. Amanye amakhaya anokufumana izibonelelo ezizodwa, eziza kuboniswa ngokucacileyo kwiphepha leenkcukacha zepropati yepropati efanelekileyo.
UFreddie Mac uqinisekisa ukubolekwa kwemali:
UFreddie Mac wayekhatywe yiNgqungquthela ngo-1970 kunye nomsebenzi woluntu wokuzinzisa iindawo zokuthengisa iimpahla zendawo yokuhlala kunye nokwandisa amathuba okuba ngumakhaya kunye nezindlu zokuqashisa ezibiza. Injongo yethu esemthethweni kukubonelela ukuthengiswa kwemali, ukuzinza, nokukwazi ukufikelela kwiimakethe zasekhaya zaseMelika.
Sithatha inxaxheba kwimarike yesibini yokuthenga ngemali ngokuthenga iimboleko zemali yokubolekwa kwemali mboleko kunye nokubambisa iimali zokuthengisa imali kunye nokukhupha okuqinisekisiwe okubambisa imali, ngokukodwa abo sibiza ii-PCs. Imarike yesibini yokubolekwa kwamanye amazwe iqukethe amaziko asebenza ekuthengeni nasekuthengiseni iimali-mboleko ngemali yemali-mboleko (oko kukuthi, iimali zokubolekwa kwemali engenakuthatyathwa) kunye ne-securities ehlobene nempahla. Asiboleki imali ngqo kubanini bezindlu.
Uyabona ukuba kukho inani leenkqubo ezenzelwe ukulungiselela ubunikazi basekhaya.