Uhlala phi u kuhlala?
UFannie Mae kunye noFreddie Mac bachaza indawo yokuhlala njengendlu ekhoyo ngoku kwaye ihlala ngumntu obolekayo efuna ukuthenga indlu entsha.
Ababoleki abanamakhaya abo banokukhetha ezintathu xa bathetha ukuthenga indawo entsha yokuhlala. Banga:
Thengisa indawo yokuhlala kwaye uhlawule imali ekhoyo
Ukuguqula ipropati ukuya kwikhaya le sibini, becinga ukuba banakho ukufumana ilungelo lokuhlawula imali, okanye
Ukuguqulwa kwipropati ibe yipropati yotyalo-mali kwaye unikezele amaxwebhu ukuba baya kuqeshisa ipropati kwaye basebenzise ingeniso ukuze bahlawule umrhumo wempesheni
Ngomhla ka-Julayi ka-2008 bobabini uFannie noFreddie baqinisa ngokucacileyo izikhokelo ezibhalwe phantsi kwendawo yokuhlala. NgoJulayi ka-2013 ekugqibeleni bawakhulula.
Utshintsho kwi "Residence Residence"
Ngamanye amaxesha ukunyamezela "ukuhlala kwindawo yokuhlala" kwabekwa ngethuba lokuphakama kweengxaki zezemali kwaye bekujoliswe ukuba kubekhotyana kwimeko nangona kuqhubeka iminyaka engaphezu kwe-6.
Injongo yalo mgaqo-nkqubo iye yaqinisekisa ukuqinisekisa ukuba ababolekayo banamandla okwaneleyo kunye neendawo zokugcina iimali ukulawula ngempumelelo iipropati ezininzi.
NgoJulayi ka-2008 uFannie Mae wabeka ezi zikhokelo ezibhalwe phantsi phantsi kweempahla ezongezelelweyo ezikhoyo:
Kuya kufuneka baqinisekise ukulingana kwama-30% kwikhaya labo langoku. (Oku kunciphisa ukuxhalabisa ukuba banokuqwalasela "i-default default" kwikhaya elidala. I-AVM (i-Automated Valuation Module) okanye i-appraisal iya kufuneka ukuba ibonise ubungqina bayo.
Ingeniso yengeniso kufuneka ibhalwe phantsi ngesivumelwano sokuqeshisa ngokugcwele. Ukuqeshisa kungabakho inyanga ukuya kwenyanga.
Umboleki uzakufuna ikopi yokhuseleko kunye nentlawulo yesiphofu.
Ingeniso yokuqasha kwilungu losapho okanye umntu onxulumene nolwalamano oluqinileyo kumbolekeki akavumelekanga.
I-75% yengeniso eqinisekisiwe yokuqashisa ingasetyenziselwa ukuhlawula izindleko zezindlu.
Izikhokelo ezintsha ezisebenza ngoku ngoku ziyakususa okanye zikhulule ezi zininzi zeziqinisekiso.
Okubaluleke kakhulu, uFannie Mae uyasusa i-30% yemfuno yokulingana. Baphinde bavumeleke ngakumbi ububanzi balabo abacwangcisayo ukubamba kunye nokuqeshisa indawo yabo yokuhlala ngoku ngokukhokelela ngokumalunga nokusetyenziswa ngokukhawuleza kwemali yengeniso.
Okubaluleke ngakumbi kubabuyiselwe ekhaya abanokuhlala kwabo phantsi kwesivumelwano sokuthengisa, abasasafuni ukuba uvale lo msebenzi ngaphambi kokuba uvale wakho omtsha.
Ngokukodwa kumlomo wehashe:
Ngenxa yokuba kukho imigaqo-nkqubo ngoku ekhoyo ngokukhawulelana nembali yengxelo yemboleko, inzuzo yengeniso, kunye neendawo zokugcina iimali, uFannie Mae uphelisa ezinye zeemfuno ezihambelana ngqo nokuguqulwa kwendawo eyinqununu
Xa umboleki ephethe i-mortgaged real estate, isimo sepropati sinquma ukuba i-PITIA (yonke inqununu yenyanga, inzala, irhafu, i-inshurensi kunye nentlawulo yombutho wezindlu) kufuneka ithathelwe ingqalelo ekufanelekeleni ukuthengiswa kwempahla entsha.
Ukuba ipropati yokubolekwa ngumninibolekayo yindawo yokuhlala yangoku eyimali ebolekileyo esithengiswayo kodwa ayiyi kuvala (kunye nokudluliselwa kwesihloko kumnini omtsha) phambi kokuthengiselana kwintetho, umboleki-ke ngoku unokusebenzisa isivumelwano sokuthenga esithengiweyo, esiye safumana ixesha kudlulileyo ukuxhaswa kwexesha lokuxhaswa kwemali, ukuphelisa intlawulo ekhoyo yangoku kwi-matyala yomboleki kumvuzo.
Ababolekisi bemali kufuneka baqhubeke nokulandela imirhumo eqhelekileyo yengeniso kunye neemfuno zokugcinwa kwemali xa umntu obolekayo eguqula indawo yakhe yokuhlala enqununu kwipropati yotyalo-mali.
Zomibini utshintsho zifanelekileyo kwaye zigqithise.
Ezi zinguqu ziyakwamkelwa ngokwazisa kwi-estate and professional professionals ngaphezu kwezinto ezininzi eza kuba ngababuyiselwe ekhaya ngaphambili abachaphazelekayo kwi-set elidala lemigaqo-phantsi.