Ababolekisi abagqibeleleyo bokuBuyisa kwakhona kwiMali mboleko yaseKhaya (amaxabiso aPhambili)

Bendlela

• Ii-APR ezingakhuphisani
• Akukho masebe aphathekayo

I-Rocket Mortgage yiQuicken Loans ngoku yenye yezona zinto zibolekisayo kubantu eMelika. Bafike apho ngokunikezela ngenkonzo yabathengi ebalaseleyo edityaniswe nenkqubo yokufumana kwakhona imali kwi-Intanethi.

Ukukhawulezisa bekusoloko kuthandwa kwiinkonzo zokucwangciswa kwezemali kwi-Intanethi. Baye baba ngoovulindlela kwizicelo zobambiso kwi-Intanethi ngokunjalo. Kukusayina kuphela okwenyani ekugqibeleni ekufuneka kwenziwe buqu, kodwa iMali mboleko yokuKhawulezisa yenza ukuba kube lula ukuyicwangcisa ngokulula.

Ukukhawulezisa kunokusebenza nge-DTI ephezulu kwaye kuncede abafaki zicelo benamanqaku asezantsi angama-620.

Olunye lwezona mpawu zibalaseleyo kwimali mboleko yeRocket Rock yokubambisa kukuba uQuicken ubambelele kuma-99% emali mboleko evela kuyo. Uninzi lwabanye abasunguli bemali-mboleko baya kukunceda kwinkqubo yesicelo, kuphela ukujika uthengise imali mboleko yakho kwenye inkonzo. Ngokukhawuleza, kukho ithuba elihle lokuba ungaqhubeka nokusebenza nabantu abafanayo kunye neenkqubo ezikuqalisileyo.

Zine zeenkonzo eziphambili ezinikezelwa yiRocket Mortgage zibandakanya:

I-FHA kunye ne-VA yezemali

Ukuba ulungele ukufumana imali-mboleko ye-FHA okanye ye-VA, Ukukhawulezisa kunokukunceda ufumane loo mali mboleko kunye nokuhlawula phantsi, okanye nokuba akukho ntlawulo iphantsi, kwaye akukho inshurensi yobambiso. Ukuba uxhasa kwakhona ikhaya lakho ukuze ufumane imali kwi-equity yakho, ngokuqinisekileyo kuyinzuzo ukuphepha intlawulo enkulu phantsi.

Ireyithi ye-90 yeentsuku yokutshixa ngesiQinisekiso seFlat Down

Inkqubo yokwamkelwa okukhawulezileyo kunye nokusebenza ngokufanelekileyo kweRocket Mortgage ivala kumaxabiso akho obambiso kwiintsuku ezingama-90 ngenqaku lokudada. Oku kukuqinisekisa ngeyona nqanaba liphantsi lifumanekayo ngexesha lenkqubo yokufumana imali kwakhona ngokuvumela ireyithi yakho ukuba yehle ngokunokwenzeka kodwa ungaze unyuke.

Imigaqo yeMali mboleko enokwenziwa ngokwezifiso

Ukuba uneminyaka eli-12 kuphela umhlala-phantsi kwaye uzama ukuhlawula indlu yakho ngelo xesha, ungakhathazeki-uQuicken uye wagubungela. Izinto ekubanjiswa ngazo kwiRocket zinokwenziwa ngokobude bexesha ukuze kuqinisekiswe ukuba iinjongo zakho zobungcali kunye nezemali ziyahambelana.

Oko Kuthethwa Ngabantu

Ngelixa uQuicken engenawo amanqaku adityanisiweyo avela kuvavanyo lweZiko eliNgcono leShishini, uninzi lophononongo luyayivuma indlela ekhawulezayo kwaye elula ngayo inkqubo yabo yokuxhasa kwakhona. Nokuba uphononongo olubi olubonakala ngathi luyehlisa amanqaku abo lubonakala ngathi liqwalaselwe liqela leNkonzo yokuThengwa kwabaThengi, eliphendula ngokukhawuleza kwizikhalazo.

Bendlela

• Akukho VA ebolekisayo
• Akukho Masebe aMzimba

I- Better.com ngomnye umbolekisi omkhulu otyelele kwi-Intanethi ukuba ukhetha ukuhlala ekhaya kunokuba undwendwele iofisi. Uncedo lwabo lweyure ezingama-24 luya kukunceda ufumane ileta yokuvunywa kwangoko, ihlala iphambi kosuku olulandelayo lweshishini.

Nje ukuba kuvunyiwe, i-Online.com iya kukunika igosa lemali mboleko elizinikeleyo ukuba lihambe kuwo onke amanye amanyathelo. Ukuvunywa kunikezelwa emva kokutshekishwa kwekhredithi ethambileyo, engazukuchaphazela ukulinganiswa kwakho kwetyala. Udinga ubuncinci benqaku lokuthenga ngetyala le-620.

Xa kuthelekiswa nabanye ababolekisi kwi-Intanethi, i-Bhetele.com icace gca kwaye kulula kubanini bamakhaya ukuba baqonde. Inzala yabo, kunye neepesenti zonyaka zinikezelwa ngaphambili. Kwaye abanazindleko zifihliweyo- akukho mbolekisi, sicelo, ukubhala phantsi, okanye iifizi zokuvela! Ezintathu zeenkonzo eziphambili ezibonelelwa kwi- Better.com zibandakanya:

Ukunikezela ngokutshatisa nesiqinisekiso se- $ 100

Ayisiyiyo kuphela inzala ephantsi kwiBetter.com, kodwa baya kuzama ukuthelekisa nasiphi na isithembiso esikhuphisanayo onokufumana. Ukuba abanakubetha nge-100 leedola, loo $ 100 yeyakho ukuba uyigcine!

Ukuncitshiswa kokuValwa / kweNdleko kwakhona

Njengoko uninzi lwabathengi bokuqala bekhaya besazi, iindleko zokuvala zinokongeza ngokukhawuleza kwaye kuyamangalisa kuye nakowuphi na umthengi ongazilungelanga. I-Better.com ayihlawulisi nayiphi na imali-mboleko, isicelo, ukubhala phantsi, okanye iifizi zokuqala, ezinciphisa ngokumangalisayo ezo ndleko zokuvala.

UkuBhala ngokuDijithali

Uninzi lwabathengisi luya kufuna ileta yokuvunywa kwangaphambili xa usenza isithembiso. I- Betterter iya inyathelo eliya phambili ngokubhala ngokwamanani kwimvume mboleko yakho yekhaya, ikunike amandla angxamisekileyo kwaye inike umthengisi ukuzithemba kwangoko kwibhidi yakho!

Oko Kuthethwa Ngabantu

I-Onever.com inamanqaku ahloniphekileyo kwiZiko eliNgcono leShishini, kodwa ezinye izimvo zibonisa ukuba banengxaki yokugcina unxibelelwano nombolekisi.

Bendlela

• Akukho Mali-mboleko yokulingana ekhaya
• Akukho VA mboleko

I-CIT Bank lukhetho olukhulu ukuba ufuna ibhanki kwiimfuno zakho eziqhelekileyo zemali. Banikezela ngezibonelelo kubathengi babo bebhanki, njengezaphulelo ezongezelelweyo kunye nokubuyisa imali.

Banemali mboleko yesiqhelo, ezinje ngemali mboleko esisigxina kunye nemali mboleko eguquguqukayo. Kuxhomekeka ekubeni uza kuhlala ixesha elingakanani ekhayeni, iirhafu ezibambisayo ezinokubakho zilungile.

Kuba bayibhanki yenkonzo epheleleyo, ungalindela ukuba banikezele ngemali mboleko yekhaya, kodwa kuyacaca ukuba, ezo azifumaneki. Ezintathu zeenkonzo eziphambili ezibonelelwa kwi-CIT Bank zibandakanya:

Inzala-kuphela mboleko

Ukuba awudingi ukwakha ukulingana ekhayeni lakho okanye awukho kwimeko yezemali ukuqala ukwakha i-equity, ke inzala-mboleko yekhaya kuphela enokwenza ukuba iintlawulo zakho zenyanga zifikeleleke ngakumbi.

Izaphulelo zobudlelwane

Ukuba uneakhawunti yebhanki kunye neCIT Bank, ungafumana imali eyi- $ 525 emva kokuvala. Ukongeza, ukugcina ibhalansi enkulu kuloo akhawunti kunokukufanelekela ukufumana izaphulelo zerhafu.

Imali mboleko zeJumbo

Ukuba ufuna ngaphezulu kweemali-mboleko eziqhelekileyo, i-CIT Bank inokubonelela ngemali mboleko ukuya kuthi ga kwi-2 yezigidi zeepropathi ezifanelekileyo.

Oko Kuthethwa Ngabantu

I-CIT Bank yaqwalaselwa kakubi ngabathengi kwiZiko eliNgcono leShishini, kodwa inee-16 kuphela zokujonga ukuze singathembeli kakhulu kwi-BBB apha.

Bendlela

• Kuphela kumazwe alishumi elinesihlanu
• Iimali ezininzi

I-BBVA Bank yimali mboleko encinci yokubambisa kodwa phakathi kweenkqubo zebhanki ezingama-25 eMelika. Banikezela ngeendlela ezahlukeneyo zokubolekwa kwemali mboleko, ukuphinda unike imali, kunye neendidi zemboleko mali yekhaya. Unokufaka isicelo ngenqaku elincinci lekhredithi le-620.

Banokuxhasa ngezemali i-FHA, i-USDA, kunye ne-VA eqinisekisiweyo yokubolekwa kwemali mboleko yokubonelela ngempahla mboleko kunye nentlawulo ephantsi. Ukuba ujonge ukwenza imali kwi-equity yakho nge-BBVA, unokufaka isicelo semali mboleko yokulingana ekhaya kunokuphinda unike imali. Ezintathu zeenkonzo eziphambili ezibonelelwa kwi-BBVA Bank zibandakanya:

Olubanzi kakhulu lweenketho zeMali

Imenyu yabo yeentlobo zemboleko iyothusa ngokwenene. Izinga eliqhelekileyo lokubolekwa kwemali mboleko kunye nemali ebolekiweyo emiselweyo, zonke iimali mboleko ezixhaswa ngurhulumente, iimali mboleko zejumbo, kunye nemali mboleko yendawo yokusebenza, ziyincam yeqhwa.

Ubunini beKhaya benziwe ngokuLula (IKHAYA) Inkqubo

Ukuba ikhaya lakho likwisithili esinengeniso ephantsi efanelekileyo, unokukwazi ukufumana intlawulo engahlawulwanga okanye unciphise imali yokubambisa.

Imigca yokulingana kwiKhaya (HELOC)

I-BBVA ikwaxhasa ngezimali iimali mboleko ezincinci, eziguquguqukayo ngakumbi usebenzisa ubulungisa bakho njengesiqinisekiso.

Oko Kuthethwa Ngabantu

I-BBVA ayithandwa kakhulu kwi-BBB, kodwa sibanika ikhredithi ngokuphendula kuzo zonke izikhalazo zabathengi esizifumeneyo kwisiza.

Ababolekisi beMali mboleko yokuBolekiswa kwakhona

Nangona sele udlule kwinkqubo yokwenza isicelo semali mboleko ubuncinci kube kanye, usenokuba nemibuzo malunga nokufumana kwakhona imali.

Sizama ukuphendula nayiphi na imibuzo onokuba nayo ngaphambili, nantsi ke eminye yeyona ixhaphakileyo:

Isebenza njani imali kwakhona?

Ukuphinda uxhase imali kuthetha ukuthatha imali mboleko entsha yokubambisa kwaye uhlawule imali mboleko yakho yoqobo. Kukho izizathu ezimbalwa zokuba ungafuna ukuyenza le nto.

• Ukuba imali mboleko yakho yoqobo ifunyenwe ngenzala ephezulu, unokufumana amaxabiso obambiso angcono ngoku.
• Unokwazi ukusebenzisa i-equity yakho yasekhaya kwimali eninzi yokuphuma kwemali.
• Unokufuna ukwandisa imigaqo yobambiso lwakho lobambiso ukuze unciphise iintlawulo zakho zenyanga.

Ixabisa malini imali yokuthenga ngempahla?

Into yokuqala ekufuneka uyijongile kukuba ingaba imali mboleko yakho ekhoyo ngoku inentlawulo yokuhlawula kwangoko. Oku kunokwenza ukuba kuthintelwe ukuphinda usebenze kwakhona. Ukuba ungayiphepha le ntlawulo, zilungiselele ukuhlawula iindleko zokuvala, kubandakanya:

• Intlawulo yokufaka isicelo
• Intlawulo yesiqalo
• Iindleko zeNgxelo yeTyala
• Uvavanyo lweKhaya
• Intlawulo yokuQinisekiswa koMkhukula
• Ukukhangelwa kwesihloko

Kukho nezinye iirhafu ngokunjalo; inokubiza imali eyi- $ 3000. Sebenzisa iikhalityhuleyitha zeendleko zombolekisi wakho ukuze uqiniseke ukuba uyakugcina ukonga imali ngamazinga asezantsi okuhlaziya.

Ufanele uyikhethe njani iNkampani yokuBuyiselwa kwemali mboleko?

Kwiimeko ezininzi, inkampani yokuhlawula imali mboleko iya kukukhetha-kuxhomekeke kwinqanaba lakho lekhredithi kunye nomyinge kumvuzo wakho kwirhafu. Unokufaka isicelo kubabolekisi abaninzi kwaye ukhethe lowo unikezela ngeyona ntlawulo iphantsi yenyanga kwisicwangciso sakho sokuphinda unike imali.

Ukuxhasa imali kwakhona sisigqibo esifanelekileyo? Kunini?

Ewe, umbolekisi wemali mboleko uza kukuxelela ukuba ukuphinda unike imali sisigqibo esifanelekileyo. Qiniseka ukuba uthelekisa iintlawulo zobambiso lwexesha elizayo kunye neentlawulo zakho zenyanga nenyanga ngaphambi kokutyikitya ityala elitsha.

Ngaba bukhona ubungozi kwiNkxaso-mali kwakhona?

Umngcipheko omkhulu kukuba emva kokuba iifizi ezahlukeneyo zongezwa kwimali mboleko yakho, awunakuphela uhlawula ngentlawulo ephantsi yenyanga njengoko bekulindelekile. Ukongeza, ireyithi yokubolekwa kwemali ehlengahlengiswayo ebonakala ngathi inomtsalane inokuphakamisa amaxabiso ayo kwiminyaka embalwa.

Kutheni ndifanele ndibuyekeze imali yam yokuBambisa?

Ukuphinda uxhase imali kunokuba yinto elungileyo ukuba amaxabiso wenzala kwiibambiso zehle kakhulu okoko kuthengwe imali mboleko yakho yoqobo. Ukongeza, ukwandisa ubude bemali yakho yobambiso kunokuhlisa amaxabiso akho ukuba uneendleko ezintsha kuhlahlo-lwabiwo mali, njengomntwana osandul 'ukuzalwa.

Kutheni le nto iBhanki yam indityhalela kwiNgxowa-mali (ibanceda njani)?

Ibhanki yakho inomdla wokuhlawulwa kwimirhumo eyahlukeneyo enxulunyaniswa nokwenza imali kwakhona. Ukongeza, bafuna ukuba wandise imigaqo yobambiso lwakho ukuze unciphise iminyaka engaphezulu yeentlawulo zenyanga ezivela kuwe. Iintlawulo ezisezantsi zinokubonakala zinomtsalane, kodwa ukuba ucinga ukuba ungahlawula imali mboleko yakho kwiminyaka eliqela eyongezelelweyo, unokufuna ukuqwalasela kwakhona.

Ngaba ukuphinda uxhase ngemali ngeeBhanki ezithile kungangumkhonyovu / kulunge kakhulu ukuba kungayinyaniso?

Ngokubanzi, ukuba inzala ayikhange yehle kakhulu, ukuphinda unike imali yindlela yokuhlehlisa inkcitho yakho (kwaye ihlala inyusa, ekuhambeni kwexesha). Unokufumana umnikelo wokukhutshelwa kwemali ephumayo, kodwa hlala ukhumbula, uya kuhlawula phantsi kwendlela.

Ezona nkampani ziBalaseleyo ngeMali yoBuyiso-mali: I-Takeaway

Ezona nkampani ziphambili zokuhlawula imali mboleko kufuneka zibonelele ngamaxabiso asezantsi adityaniswe neenkqubo ekulula ukuziqonda kunye nemvume ekhawulezayo yokufumana imali.