Kugcine ukubuyekezwa ngoDisemba 1, 2020
Udinga ukwazi ibhange elingcono kakhulu lemali mboleko yezindlu ze-VA e-Alaska? Nawa amanye amabhange angcono kakhulu nababolekisi ongawasebenzisa ukuze uthole imali ebolekiwe ye-VA engcono kakhulu e-Alaska. Kodwa ngaphambi kokuthi siqhubekele phambili, ake siqonde ngokugcwele umqondo “wemalimboleko ye-VA” nokuthi isebenza kanjani.
Okuqukethwe
Iyini Imalimboleko ye-VA?
Imali mboleko ye-VA yimalimboleko yendlu etholakala ngaphansi kohlelo olusungulwe uMnyango Wezindaba Zomakadebona wase-United States (owayekade ungumphathi Wezokuphatha).
Imali mboleko yezindlu ye-VA yasungulwa ngo-1944 nguhulumeni wase-United States ukusiza amalungu abuyayo athenge amakhaya ngaphandle kokudinga inkokhelo ephansi noma isikweletu esihle kakhulu. Lolu hlelo lokuhlomula oluyingqophamlando luqinisekise imali ebolekiwe ye-VA engaphezu kwezigidi ezingu-24, ukusiza omakadebona, amalungu asebenzayo ezempi kanye nemindeni yawo ukuthenga noma ukukhokhela kabusha ikhaya.
I-VA ibeka izindinganiso zokufaneleka, isho imigomo yezikweletu ezinikezwayo futhi iqinisekisa ingxenye yemali mboleko, kodwa empeleni ayinikezi uxhaso. Izimalimboleko zezindlu ze-VA zihlinzekwa ngababolekisi abazimele, njengamabhange nezinkampani ezibolekayo.
Namuhla, i-VA mortgage ibaluleke kakhulu kunangaphambili. Eminyakeni yamuva nje, ababolekisi ezweni lonke baqinise izidingo zabo zokubolekwa kwemali ngemuva kokuwa kwemakethe yezindlu, okwenza imali mboleko ye-VA ibe yindlela yokusizakala omakadebona kanye nabathengi abakhuthele bemizi yamasosha, iningi labo elikuthola kunzima lapho libhekene nezindinganiso eziqinile zezikweletu kanye nokukhokha kancane. izidingo.
Njengazo zonke izikweletu zezindlu, izikweletu ze-VA zingaba nzima. Sincoma ukuthi usebenzise lo mhlahlandlela we-VA Loan ukuze ufunde mayelana nezici zale nzuzo yemalimboleko yendlu ekhethekile.
Isebenza kanjani i-VA Loans?
Izimali mboleko ze-VA zisiza amalungu esevisi asebenzayo, omakadebona, nabashadile abasaphila ukuba babe abanikazi bezindlu. Umuntu ngamunye uhambisa Isitifiketi Se-VA Sokufaneleka Kobolekayo kumongo wesicelo semalimboleko. Nakuba ezinye zezidingo zokubhala ngaphansi kombolekisi kusafanele kuhlangatshezwane nazo, ezimweni eziningi kulula ukufaneleka ukuthola imali ebolekiwe ye-VA kunokuba ufanelekele ukuthola imalimboleko evamile.
I-Veterans Administration ihlinzeka ngenzuzo yesiqinisekiso sokubolekwa kwezindlu nezinye izinhlelo ezihlobene nezindlu ukuze zisize omakadebona abaqeqeshiwe noma amalungu abo omndeni afanelekayo ukuthi athenge, akhe, alungise, agcine noma ajwayelane nekhaya ukuze kuhlalwe kulo. Izimali mboleko ze-VA zinikeza imali efika ku-100% yenani lekhaya. Abamukeli bemalimboleko ye-VA akudingeki babe abathengi bezindlu bokuqala. Futhi, bangaphinda basebenzise izinzuzo futhi banikeze imali ebolekiwe omunye umuntu ofanelekayo.
Imigomo yemali mboleko ye-VA inomusa impela, uma iqhathaniswa nezinye izindlu ezibolekiwe kanye nezinhlelo zokubolekwa kwemali zikahulumeni. Phakathi kwezinzuzo:
- Akukho ukukhokha okugunyazwe ngaphandle uma kudingwa umebolekisi, noma uma intengo yendawo yokuhlala ingaphezu kwenani lesakhiwo esimisiwe.
- Asikho isidingo seprimiyamu yomshwalense wendlu yangasese.
- Izindleko zokuvala zilinganiselwe futhi zingakhokhwa ngumthengisi.
- Umbolekisi angeke akhokhise inhlawulo yokukhokha kusengaphambili uma umboleki ekhokha imali ebolekiwe ngaphambi kwesikhathi.
- Usizo luyatholakala ku-VA ukusiza ababolekayo bagweme okuzenzakalelayo.
FUNDA: Ungayithola Kanjani Imalimboleko ye-FHA (Ukufaneleka, Izidingo kanye Nenqubo Yokufaka Isicelo)
Izinhlobo ze-VA Loans?
I-VA inikeza izinhlobo ezimbalwa zemali mboleko yezindlu ukusiza omakadebona kanye nemindeni yabo. Nasi uhlu lwezinhlelo zokubolekwa kwemali ze-VA ezidumile.
1. Ukuthenga Kwasekhaya kwe-VA
Izimalimboleko zokuthenga izindlu ze-VA zisiza omakadebona ukuthi bathenge ikhaya ngenani lenzalo eliqhudelanayo. Ngokuvamile lezi zimali mboleko zokuthenga azidingi inkokhelo ephansi noma umshwalense we-mortgage wangasese.
2. Imali Ebolekiwe Yokubolekwa Kwezimali
Imali mboleko ye-Cash-out refinance ivumela abanikazi bezindlu ezibolekiwe abangomakadebona ukuthi baboleke imali yezindlu ukuze bakhokhe izikweletu, baxhase isikole noma benze ngcono ikhaya. Le nketho yokukhokha kabusha inikeza i-mortgage entsha yenani elikhulu kunenothi elikhona futhi iguqula ukulingana kwekhaya kube ukheshi.
3. Imalimboleko Yezimali Zokuncishiswa Kwenzalo Encishiswayo (IRRRLs)
Izimalimboleko ze-refinance zokunciphisa isilinganiso senzalo (IRRRLs), ezaziwa nangokuthi i-streamline refinance loans, zisiza ababoleki ukuthi bathole inani lenzalo eliphansi ngokubuyisela imali mboleko ekhona ye-VA. Lena inqubo ye-VA-loan-to-VA-mboleko evumela abanikazi bezindlu ukuthi baxhase kabusha imali mboleko engaguquki ngezinga lenzalo eliphansi noma baguqule i- adjustable-rate mortgage (ARM) ibe yimali ebolekiwe enenani elimisiwe.
4. Imalimboleko eqondile yoMdabu waseMelika
Uhlelo lweNative American Direct Loan lusiza omakadebona boMdabu baseMelika abafanelekile ukuthi baxhase ngezimali ukuthengwa, ukwakhiwa noma ukuthuthukiswa kwezindlu kumhlaba we-federal trust. Ukwehliswa kwamazinga enzalo nakho kuza nalezi zimali mboleko.
5. Izibonelelo Zezindlu Ezishintshile
Izibonelelo zezindlu eziguquliwe zisiza omakadebona abanokukhubazeka okuphelele nokuphelele okuxhunywe kwisevisi ukuthi bathenge noma bakhe ikhaya elishintshile noma balungise ikhaya elikhona ngenxa yokukhubazeka kwabo.
Izidingo ezifanelekile zokufinyelela imalimboleko ye-VA ehamba phambili e-Alaska
Ukuze ufanelekele ukubolekwa i-VA, wena noma oshade naye kufanele nihlangabezane nezimfuneko zesevisi eziyisisekelo ezibekwe uMnyango Wezindaba Zomakadebona (VA), nibe nesitifiketi esivumelekile sokufaneleka (COE) futhi nenelise isikweletu somboleki kanye nezimfuneko zeholo.
Ngokuvamile, uyafaneleka uma uwela kwesinye salezi zigaba ezintathu:
- Uyilungu lesevisi elisebenzayo noma umakadebona okhululwe ngokuhloniphekile onezinsuku ezingu-90 ezilandelanayo zesevisi ngesikhathi sempi noma izinsuku ezingu-181 zesevisi ngesikhathi sokuthula.
- Usebenze iminyaka engaphezu kweyisithupha ku-National Guard noma endaweni ekhethiwe.
- Ungumngane womshado welungu lesevisi elishone lisemsebenzini.
Uma ubungaqhubeka nenqubo yokufaka isicelo, uzodinga Isitifiketi Sokufaneleka (COE) ukuze ubonise ababolekisi bezindlu ezibolekwayo ukuthi ukufanelekela ukubolekwa i-VA. Ungafaka isicelo se-COE ngewebhusayithi ye-VA, ngeposi, noma ngombolekisi wakho.
I-VA Loan Credit kanye Nezidingo Zomholo
I-VA ayibeki imfuneko encane yamaphuzu esikweletu sokufaneleka kwe-VA, kodwa ababolekisi ngokuvamile bayakwenza. Ngenxa yalokhu, izidingo zamaphuzu esikweletu semalimboleko ye-VA ziyahlukahluka ngombolekisi, iningi lababolekisi ngokuvamile lidinga amaphuzu aphansi angama-660 wesikweletu semalimboleko.
Ngaphezu kwamaphuzu esikweletu, i-VA idinga ababoleki ukuthi balondoloze inani elithile lemali engenayo esele inyanga ngayinye ngemva kokuba zonke izindleko ezinkulu sezikhokhiwe. Imali eyeqile ihloselwe ukukhokhela izidingo zomndeni ezijwayelekile, njengokudla, izinto zokuhamba nokunakekelwa kwezempilo, futhi kwaziwa njengemali eyinsalela.
Ngokuphoqelela izimfuneko zemali eyinsalela, i-VA inyusa amathuba okuba ababoleki bayo bathole imali eyanele ukuze bahlangabezane nazo zonke izibopho zezimali, futhi iqinisekisa ukuthi ababoleki banomucamelo uma kunesimo esiphuthumayo.
Yiziphi Izinzuzo ze-VA Loan?
Uhlelo lwe-VA Loan Programme luwuhlelo olunamandla kakhulu lwemali mboleko emakethe yomakadebona abaningi, amalungu enkonzo, nemindeni yezempi. Lezi zimali mboleko eziguquguqukayo ezisekelwa uhulumeni ziza namazinga enzalo aphezulu avula iminyango yobunikazi bezindlu komakadebona okungenzeka badonsa kanzima ukuthola uxhaso.
Nazi ezinye zezici ezibalulekile kanye nezinzuzo zemali mboleko ye-VA:
1. Ungathenga ikhaya ngaphandle kwenkokhelo ephansi.
Izimali mboleko ze-VA zingenye yemalimboleko yokugcina yezindlu ephansi etholakalayo namuhla. Ngo-2018, cishe amakhaya angama-50% athengwe kusetshenziswa imali ebolekiwe ye-VA athengwa ngaphandle kwenkokhelo ephansi.
2. Awukho umkhawulo enanini ongaliboleka nge-VA loan
Awukho umkhawulo enanini ongaliboleka ngesikweletu se-VA, kodwa kunomkhawulo wenani lesikweletu i-VA esithathayo. Ngonyaka ka-2019, i-VA izoqinisekisa inani eliphakeme elingu-25% (elifika ku-$121,087) yenani lemali mboleko yendlu, elihambisana nesamba semali mboleko engu-$484,350. Noma yini engaphezu kwalokho ngeke iqinisekiswe yi-VA. Umsindo uyingozi? Kungaba njalo!
3. Asikho Isidingo Sokukhokhela I-Private Mortgage Insurance
Ngeke kudingeke ukuthi ukhokhe i-Private Mortgage Insurance (PMI). Njengoba imali mboleko isekelwa uhulumeni, ungaqabula i-PMI! I-PMI ingasukela ku-0.5% iye ku-2.25% wemali mboleko yakho. Ngakho-ke ngesikweletu sika-$200,000, uma izinga lakho le-PMI belingu-1% lokho bekuyosho u-$166 owengeziwe enkokhelweni yakho yendlu nyanga zonke!
4. Asikho isidingo esincane samaphuzu esikweletu
Asikho isidingo esincane somphumela wekhredithi. Kodwa ababolekisi ngokuvamile basabheka ababolekayo abanesikweletu esingu-620 noma ngaphezulu. Nakuba sikholelwa ukuthi amaphuzu akho esikweletu afanelekile angaba nguziro—ngoba lokho kusho ukuthi awunasikweletu!—qaphela ukuthi awekho amaphuzu esikweletu angase abeke ababolekisi onqenqemeni uma kuziwa ekukunikezeni imalimboleko.
5. Usizo lwababoleki abadonsa kanzima ababhekene nokudliwa okungase kube khona
I-VA inikezela ngosizo kubaboleki abadonsa kanzima ababhekene nokudliwa okungase kube khona. Ochwepheshe bemalimboleko bale nhlangano bangaxoxisana nababolekisi egameni lababolekayo abanenkinga yokukhokha indlu.
6. Ayikho inhlawulo yokukhokha kusengaphambili
Ayikho inhlawulo yokukhokha kusengaphambili. Lokhu kusho ukuthi ngeke uhlawuliswe uma ukhokha imalimboleko yakho kusenesikhathi.
7. Akukhawulelwe kubathengi bezindlu bokuqala
Awudingi ukuba ngumthengi wekhaya okokuqala ngqa ukuze uthole imali mboleko ye-VA. Uma nje uyikhokha isikhathi ngasinye, ungasebenzisa inzuzo kaningi.
8. Ukuqothuka nokudliwa ngeke kuthinte unomphela amathuba akho.
Uma ufake isicelo sokuqothuka noma udlule ekuphucweni, usengakwazi ukuthola imali mboleko ye-VA ngemva kweminyaka emibili edlule kusukela ngosuku lokuqolwa noma lokudlelwa impahla.
Imikhawulo ye-VA Loan
Omakadebona abafanelekayo abanelungelo labo eligcwele lemalimboleko ye-VA bangaboleka ngendlela obolekisa ngayo ezimisele ukunweba, konke ngaphandle kwenkokhelo ephansi. Imikhawulo yemalimboleko ye-VA iqala ukusebenza kubathengi abanelungelo elingaphansi kwalabo abagcwele, mhlawumbe ngenxa yokuthi banemali mboleko ye-VA eyodwa noma ngaphezulu esebenzayo noma ngenxa yokuthi balahlekelwe eyedlule ukuze badliwe.
Yiziphi Izimalimboleko Zasekhaya ze-VA ezihamba phambili e-Alaska?
Izimalimboleko zezindlu ezinhle kakhulu ze-VA e-Alaska ziyahlukahluka kuye ngezidingo zakho, kodwa eziningi zinikeza amadili ancintisanayo kubaboleki abahlukahlukene abangaba khona. Okungcono kakhulu kuzonikeza inani eliphansi lephesenti lonyaka, imigomo yokukhokha ende, kanye nezindleko eziphansi. Futhi-ke, izidingo zakho zomuntu siqu kanye nephrofayili yezezimali kuzophinde kuthinte uhlobo lombolekisi oluthola lufanelekile. Uma uhlala e-Alaska, e-USA futhi udinga imali mboleko ye-VA, laba abanye bababolekisi abangcono kakhulu ongayisebenzisa.
Sizikhetha ngokusekelwe kubude bemali mboleko, amanani amanje, amaphuzu amancane esikweletu amukelwa ababolekisi, inqubo yokufaka isicelo, izici zokukhokha ngokuzenzekelayo, kanye nesithunzi sembonini yesevisi yamakhasimende.
1. I-Veterans United: Okuhamba phambili Kukonke
I-Veterans United iwine okungcono kakhulu kumanani emalimboleko e-VA ngoba lo mbolekisi ugxile kakhulu emalimboleko ye-VA, omakadebona bangamakhasimende abo ayinhloko, futhi banezinketho eziningi zohlelo lokubolekwa.
2. I-PenFed Credit Union: Okungcono Kakhulu Kweminyaka engama-30
I-PenFed Credit Union ithole indawo ephezulu yeminyaka engu-30 ehleliwe ngoba isilinganiso sayo samanje singu-2.375% ayinamaphuzu, ayikhokhisi imali yomboleki, inikeza ukufinyelela kwe-akhawunti okungu-24/7 ku-inthanethi, inezaphulelo zamalungu, futhi isiza amalungu ezindaweni zomhlaba.
3. I-Navy Federal Credit Union: Okungcono Kakhulu Kweminyaka eyi-15
I-Navy Federal Credit Union (NFCU) inohlelo lwethu olungcono kakhulu lwesilinganiso semalimboleko ye-VA yeminyaka engu-15 ngenxa yokuthi izinga lamanje lingu-2.375% kuphela, phakathi kweziphansi kakhulu kunoma yimuphi umbolekisi.
4. I-USAA: I-Jumbo Loan Engcono Kakhulu
Sinikeze i-USAA isihloko esithi Okungcono Kakhulu ku-VA Jumbo Loans ngoba ikuvumela ukuthi uboleke imali efika ku-$3 million, awunawo umshwalense wezindlu ezizimele, futhi ikuvumela ukuthi uxhase ngezimali imali ye-VA yoxhaso.
5. I-LendingTree: Imalimboleko Engcono Kakhulu ye-ARM
I-LendingTree ingcono kakhulu emalimboleko ye-VA adjustable-rate mortgage (ARM) ngoba izokunikeza izinketho eziningi zokuqhathanisa amanani nemigomo kubabolekisi abambalwa.
6. Qalisa Imali: Isevisi Yekhasimende Engcono Kakhulu
I-Quicken Loans ayiyona nje kuphela i-mortgage enkulu kunazo zonke ezweni, futhi ingumsunguli wesibili omkhulu wemali mboleko ye-VA ngevolumu. Yaziwa ngomsebenzi wayo wamakhasimende, i-Quicken inikeza inqubo elula yokufaka isicelo engaqalwa ku-inthanethi ngokusebenzisa inkundla yayo ye-inthanethi ye-Rocket Mortgage noma ngocingo.
Ungafaka isicelo semalimboleko yeminyaka eyi-15, 25, noma engu-30 yesilinganiso esinqunyiwe se-VA ukuze uthenge ikhaya noma uxhase kabusha i-VA-mortgage ekhona. I-Quicken ingasiza ekutholeni ukufaneleka kokuqinisekisa, ukufinyelela amarekhodi omsebenzi, nokuthola i-COE yakho. I-Quicken izophinde ivumele izikweletu ze-VA ngenye yama-DTI aphezulu kakhulu angayidinga umbolekisi (60%).
Inqubo Yokufaka Isicelo Semalimboleko Yekhaya ye-VA
Omakadebona namalungu esevisi abadingi ukwazi ukuthi bayakufanelekela yini ukubolekwa imali ye-VA ukuze bazame ukuqala inqubo. Uzothola isibambo esihle ekhonweni lakho lokuthola imali ebolekiwe ye-VA ngesikhathi sesinyathelo sokuqala - ukugunyazwa kwangaphambili kwemali mboleko.
Inqubo yemalimboleko ye-VA ngokuvamile ithatha izinsuku ezingu-30 kuya kwezingu-45 uma usunenkontileka yekhaya, nakuba isimo somthengi ngasinye sihlukile. Ukufaka isicelo semali mboleko ye-VA akukubophezeli nganoma iyiphi indlela kumbolekisi othile noma ukuthi uqhubekele phambili nenqubo yokuthenga ikhaya.
Nakhu ukubheka izinyathelo ezine eziyisisekelo zokufaka isicelo se-VA Home Loan:
- Zijwayeze nezidingo ezibanzi zokufanelekela ukubolekwa kwe-VA ngenhla
- Xhumana nomabolekisi ogunyazwe yi-VA njengoVeterans United Home Loans bese uqala isicelo sakho se-VA Loan
- Thola Isitifiketi sakho Sokufaneleka ngombolekisi wakho noma ngokwakho
- Qedela isicelo sakho semalimboleko futhi unikeze wonke amaphepha adingekayo kumbolekisi wakho, okuhlanganisa ama-W-2, izimbuyiselo zentela kanye nolwazi olwengeziwe lwezezimali.
FUNDA FUTHI: Ungafinyelela Kanjani Imalimboleko ye-SBA (Ukufaneleka, Izidingo kanye Nenqubo Yokufaka Isicelo)
Ungayikhetha Kanjani Imali Ebolekiwe Yekhaya Ye-VA Engcono Kakhulu e-Alaska?
Uma usulungele ukuthatha izinyathelo zokuqala ezisemthethweni zokusebenzisa izinzuzo zakho ze-VA yemali mboleko yezindlu, uhlole ukufaneleka kwakho futhi uthole ukufaneleka kwangaphambili, uzodinga usizo lombolekisi ogunyazwe i-VA.
Kulula kakhulu ukuthola isamba esikhulu semali mboleko uma uza etafuleni unesikweletu esikhulu nesikhala kubhajethi yakho ukuze ukhokhele ikhaya elisha. Isikolo sakho sekhredithi asithinti kuphela ikhono lakho lokufaneleka, kodwa nekhono lakho lokusebenzisa inzalo engcono kakhulu etholakalayo.
Uma ungenaso isiqiniseko ngesikhundla sakho ngokuya ngezikolo zezikweletu noma isilinganiso semali engenayo nesikweletu, ukuthola iziqu okungenani nomabolekisi kuzokusiza ukunquma indlela engcono kakhulu yokwenza ngcono. Abanye ababolekisi bangase bakunikeze imfundo yokuthenga ngesikweletu, okukuvumela ukuba uqhubeke nomsebenzi wokuba umnikazi wendlu kuyilapho uthuthukisa isikweletu noma ukhokha isikweletu.
Khumbula ukwenza uhlu lwezinto eziza kuqala kuwe, oluhlanganisa isilinganiso, imali ekhokhwayo, ulwazi lwe-VA, nokwaneliseka kwekhasimende ngokwalokho okubheka njengokubaluleke kakhulu lapho uthenga ikhaya. Uma uqhathanisa ababolekisi, uhlu lwakho luzokusiza ukuthi ukhethe oluhambisana nezidingo zakho ezithile.
Sithemba ukuthi lolu lwazi lukusiza ukuthi uthole imali ebolekiwe ye-VA engcono kakhulu e-Alaska.