Iimpahla eziphantsi kwezindlu ezithengiweyo Zenza i-Highest LTV:
Ababolekisi bafuna ukuba umbolekisi atyale ngokubanzi ngangokunokwenzeka kwipropati yendawo yokuhlala, kuba oku kuthetha ukuba baya kusebenza kanzima ukukhusela ukuchithwa kunye nokulahleka kobulungisa babo. Kwimeko yomntu ohlala kumnini, ababolekisi bavumela iMali-mboleko ephezulu kwiiRatios zexabiso.
Imbali ibonisa ukuba abanini bezindlu benza konke okusemandleni abo ukuze bagcine iimali zokuhlala zabo zangoku kwaye bangalahlekelwa ngamakhaya abo.
Emva koko, baya kuhlala phi? I-LTV ukusuka kwi-80% ukuya kwi-100% ifumaneka kunye nexabiso elifanelekileyo leentengo kubathengi basekhaya zabo zokuhlala eziphambili.
Emva kokuhlaselwa kwezindlu, iimfuno ze-LTV ziqiniswe iminyaka embalwa, kodwa zaqala ukukhulula kwakhona ngo-2015. Kukho iinkqubo ezininzi ezivumela ukuhlawula iintlawulo eziphantsi kwe-3% ukuya kwi-5% yexabiso lekhaya.
Iimpahla zoTyalo-mali Ukufumana i-Mortgages kwi-LTV yezantsi:
Xa kuziwa kubatyalo-mali bezindlu , ababolekisi baya kufuna imboleko encinane ukuba baxabise amaxabiso. Umtyalo-mali akayi kulahla uphahla phezu kwentloko yabo ukuba baya kwi-foreclosure. Baye bathenga ipropati ngokubuyisela okufunekayo kotyalo-mali. Ukuba ingeniso yerenti iyahla, umtyalo-mali uza kuba nako ukuvumela ukuba ipropati ihambe.
Ngenxa yezi zizathu, ababolekisi bafuna utyalo-mali oluthe xaxa kumthengi ukuba abakhuthaze ukuba bangabikho kwi-foreclosure.
Kwakhona, ukuba kufuneka bathathe ipropati, umboleko ophantsi ukulinganisela isilinganiso siya kwenza kube lula kubo ukuba bathengise ipropati baze bafumane imali yabo.
Ndiyathetha ngokuhlala kwintsapho engatshatanga kunye nemimandla emininzi yentsapho. Iipropati zorhwebo, njengeiprojekthi zepropati , zineenkalo ezihlukileyo zeendlela zokubhala phantsi.
Umtsalane womvuzo wepropati ngowona nto ebalulekileyo ekuvunyweni kwemboleko. Imbali yengxelo yemboleko yomnini (okanye) ayinakuqwalaselwa. Nangona kunjalo, kumatyala aphantsi, i-credit yabo iyabonwa kwaye banokucelwa ukuba batyikitye iziqinisekiso zemboleko.
AmaHholide aKhuseleko aqhutyelwa ngakumbi njengempahla yoTyalo-mali:
Nangona umthengi wekhaya lekhefu azinakuzicingela njengomtyalo-mali, ababolekisi abazicingeli ngokufanayo nomninikhaya kwikhaya lokuhlala lokuqala. Ngokuqhelekileyo, i-resort okanye ipropati yomthengi wepropati iya kufuneka ibeke enye inkokhelo yokuhlawula ukwenzela ukuba i-LTV ephantsi. Ingeniso yepropati ayidlalwa ingqalelo, njengoko ingathembekanga kulolu hlobo lwepropati.
Ingxowa kwixabiso lihambelana neengozi kunye nemivuzo:
Ababoleki bafuna ukuboleka imali. Yindlela abawenza ngayo imali kwi shishini labo. Nangona kunjalo, abafuni ukugqithisa kwangaphambili kwiipropati, kunye neendleko ezibangelwa ukuzithengisa kwakhona.
Imboleko yokubaluleka kwemilinganiselo efunekayo ukunikezelwa kwemboleko iya kusekelwe kumava omboleki kunye naloo hlobo lwepropati kunye nomthengi. Bayafuna ukuba umthengi anamathele kwi-mortgage kwaye ahlale ekhungweni. Kodwa ukuba i-foreclosure iyimfuneko, i-LTV engaphantsi, ilungile ithuba lokubuyisela utsalo-mali lomboleki.
Kwanokuqhelaniswa kokuhlala kwintsapho engenakulula, kwi-foreclosure yezomthetho ithi izindleko kumbolekisi zingasebenza phakathi kwe-$ 30,000 kunye ne-50,000. Ababolekisi abayifumananga ngokukhawuleza yonke imali ehlawulwayo kwimali yokubolekwa kwempahla evela kwintengiso yepropati. Baye bazaliswa, okanye phantse njalo, ukuba imali yabo mboleko iqinisekiswa nguFannie Mae, uFreddie Mac, i-FHA, njl.