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I-VA Loan Guaranty Guide: Izinguquko, Izibalo, Namalungelo ngo-2024

Kulesi sihloko, sizocubungula konke odinga ukukwazi mayelana nalezi zinguquko, okuhlanganisa ukuthi imali mboleko ibalwa kanjani noma ngabe uyathenga, uxhasa ngezimali kabusha, noma wakha ikhaya.

Sizokwenza kube lula ukuqonda ukuthi ukusebenzisa kwakho okwedlule imali mboleko ye-VA kanye nemithetho ethile mayelana nemikhawulo yemalimboleko kungaba nomthelela kanjani ekuthengeni kwakho ikhaya okulandelayo.

Iyini isiqinisekiso se-VA Loan?

Isiqinisekiso semalimboleko ye-VA sifana nenethi yokuphepha evela eMnyangweni Wezindaba Zomakadebona. Itshela ibhange ukuthi uma ungakwazi ukukhokha imali oyibolekile, i-VA izokusiza ukukhokhela okunye ukulahlekelwa.

Ngenxa yalesi sithembiso, amabhange akhululeke kakhudlwana ukukuboleka imali ngaphandle kokudinga inkokhelo ephansi noma umshwalense owengeziwe.

Uma unamalungelo aphelele ale nzuzo, i-VA iqinisekisa ukumboza ingxenye yesine yenani lakho lemalimboleko engaphezu kuka-$144,000, okwenza kube lula ngawe ukuthi uthole imali mboleko enkulu ngaphansi kwezimo ezingcono.

Empeleni, lesi siqiniseko senza ukuthenga ikhaya kufinyeleleke kalula futhi kufinyeleleke kumakadebona.

Isiqinisekiso Sokubolekwa Kwe-VA Sibalwa Kanjani

Lapho uthola i-VA loan, inani uMnyango Wezindaba Zomakadebona oliqinisekisayo—noma uthembisa ukukhokhela umbolekisi uma ungakwazi—lincike kakhulu ezintweni ezimbili: ukuthi ngabe uke wayisebenzisa yini inzuzo yakho yemalimboleko ye-VA ngaphambili kanye nenani ikhaya olithengayo.

Uma kuyisikhathi sakho sokuqala usebenzisa imali ebolekiwe ye-VA noma ukhokhe imali mboleko ye-VA yangaphambilini ngokugcwele futhi wabuyiselwa umhlomulo wakho, ubhekwa njengonegunya eligcwele.

Lokhu kusho ukuthi i-VA iqinisekisa u-25% yenani lakho lemalimboleko, kungakhathaliseki ukuthi indlu ibiza malini, inqobo nje uma ingaphezu kuka-$144,000.

Ngakho-ke, uma uthenga ikhaya ngo-$200,000, i-VA izoqinisekisa u-$50,000 waleyo mali mboleko.

Kodwa-ke, uma uke wasebenzisa enye yenzuzo yakho yemalimboleko ye-VA ngaphambili futhi ungakayibuyiseli, unakho lokho okubizwa ngokuthi ilungelo eliyingxenye.

Ukubala lapha kuba nzima nakakhulu. Uqala ngomkhawulo wemalimboleko yesifunda lapho uthenga khona indlu yakho-ake sithi ngu-$600,000 ukuze kube lula. I-VA iqinisekisa u-25% walowo mkhawulo, kukhishwe noma yikuphi ukufaneleka osuvele ukusebenzisile.

Ngakho-ke, uma ngaphambilini usebenzise u-$50,000 welungelo lakho futhi uthenga elinye ikhaya elingu-$200,000, i-VA ibala u-25% womkhawulo wemalimboleko wesifunda esingu-$600,000, okungu-$150,000, bese ikhipha u-$50,000 owusebenzisile.

Lokho kukushiya nesiqinisekiso esingu-$100,000 esivela kwa-VA sekhaya lakho elisha.

Kuzo zombili izimo, isiqinisekiso semalimboleko ye-VA sikusiza ukuthi uthole imali mboleko ngaphandle kwenkokhelo ephansi futhi ngaphandle kokudinga umshwalense wezindlu ezizimele, ongenza ukuthenga ikhaya kufinyeleleke kakhudlwana kumakadebona.

Ukuthi Ukuthenga, Ukuthenga, kanye Nokuxhasa Ngezimali Kabusha Kushintsha Kanjani Ukubalwa Kwesiqinisekiso Se-VA

Uma usebenzisa imali mboleko ye-VA ukuthenga ikhaya, ukubuyisela imali, noma ukwakha, indlela i-VA ebala ngayo isiqinisekiso sayo ingahluka kancane kuye ngenjongo yemali mboleko, kodwa umqondo oyinhloko uhlala ugxile ekuqinisekiseni ukuthi ababolekisi bavikelekile.

Nakhu ukuthi kusebenza kanjani ngokwemibandela yansuku zonke, kusetshenziswa indlela eyenziwe lula ngaphandle kohlu lwezinhlobo ezihlukene zemalimboleko:

Ukuthenga Ikhaya

Uma uthenga ikhaya futhi unelungelo eligcwele, i-VA ithembisa ukumboza u-25% yenani lakho lemalimboleko. Isibonelo, ekhaya lika-$200,000, i-VA izoqinisekisa u-$50,000.

Uma unelungelo eliyingxenye ngenxa yokuthi usebenzise enye yakho emalimboleko yangaphambilini, isiqinisekiso siyalungiswa ngokusekelwe kulokho osuvele ukusebenzisile kanye nomkhawulo wemalimboleko yesifunda, okungenzeka kuncishiswe inani lesiqinisekiso.

Ukuxhasa ngezimali kabusha

Uma uxhasa ngezimali mboleko ye-VA, ukubala kwesiqinisekiso akushintshi kakhulu. Uma wenza i-cash-out refinance, i-VA isamboza u-25% yenani elisha lemalimboleko.

Lolu xhaso lukhuthaza ababolekisi ukuthi banikeze imigomo engcono, njengezinga lenzalo eliphansi, ngisho noma ukhipha imali ekuthengeni kwekhaya lakho.

Izikweletu Zokwakha

Kulabo abakha ikhaya elisha ngemalimboleko ye-VA, ukubala kwesiqinisekiso silandela isimiso esifanayo. I-VA iqinisekisa u-25% yenani lemalimboleko, esiza ukuvikela imali yokwakha.

Lesi siqinisekiso sinenzuzo ikakhulukazi njengoba imali ebolekiwe yokwakha ingaba yingozi kakhulu kubabolekisi, uma kubhekwa ukuthi imali ebolekiwe eyendlu engakakhiwa.

Kuzo zonke lezi zimo, isiqinisekiso se-VA sisho ukuthi ungakwazi ukuboleka ngaphandle kwenkokhelo ephansi futhi ugweme ukukhokha umshwalense we-mortgage, okwenza ukuthola, ukubuyisela imali, noma ukwakha ikhaya lifinyeleleke kalula futhi lifinyeleleke kalula kumakadebona.

Inani langempela lesiqinisekiso lincike ezicini ezifana nokuthi unelungelo eligcwele noma eliyingxenye kanye nenani lekhaya noma iphrojekthi yokwakha, kodwa isisekelo sokubala siklanyelwe ukwenza ukusebenzisa inzuzo yemalimboleko ye-VA kube nenzuzo ngangokunokwenzeka komakadebona.

Ukuthi Ukusetshenziswa Kwangaphambili Kwelungelo Kusithinta Kanjani Isiqinisekiso Esisha Semalimboleko Ye-VA

Uma ngaphambilini usebenzise ilungelo lakho lokubolekwa i-VA, kuthinta inani lesiqinisekiso ongasithola emalimboleko entsha ye-VA.

Nansi incazelo eqondile ngaphandle kokungena kwizibalo eziyinkimbinkimbi:

Cabanga ngelungelo lakho lokubolekwa i-VA njengenkomishi yekhofi. Isikhathi sokuqala usisebenzisa, unenkomishi egcwele. Uma uthenga ikhaya ngemalimboleko ye-VA, uphuza elinye lalelo khofi. Inani oliphuzayo (olisebenzisayo) liyingxenye yamalungelo akho osuwasebenzisile.

Manje, uma ufuna ukusebenzisa inzuzo yakho yemalimboleko ye-VA futhi kwelinye ikhaya, unenani lekhofi elisele enkomishini yakho ongalisebenzisa.

Lokhu kusho ukuthi isiqinisekiso se-VA, noma ingxenye yemali mboleko abathembisa ukuyikhokha, ingase ibe ncane ngoba unelungelo elincane elitholakalayo. Isiqinisekiso esincane esinganikezwa yi-VA, amandla amancane okuboleka ongaba nawo ngaphandle kwenkokhelo ephansi.

Kodwa kukhona indlela yokugcwalisa futhi indebe yakho. Uma uthengisa ikhaya lakho lokuqala bese ukhokha imali ebolekiwe ye-VA, ungafaka isicelo ukuze ubuyiselwe ilungelo lakho eliphelele. Lokhu kufana nokuthola inkomishi egcwele yekhofi futhi, ukuze ujabulele isiqinisekiso esigcwele semalimboleko ye-VA kwelinye ikhaya.

Kodwa-ke, uma ungabuyisi ukufaneleka kwakho futhi usasele, usengayisebenzisela enye imalimboleko ye-VA. Inani lesiqinisekiso esitholakalayo semali mboleko entsha lizovele lisekelwe kulokho okusele kulungelo lakho kanye nemikhawulo yemali mboleko yesifunda lapho uthenga khona ikhaya elisha.

Empeleni, ukusetshenziswa kwakho kwangaphambilini kwelungelo lokubolekwa kwe-VA kunomthelela ngokuqondile ukuthi singakanani isiqinisekiso ongasithola emalini ebolekiwe entsha, okuthinta amandla akho okuthenga futhi ngokunokwenzeka okudinga inkokhelo ephansi uma isiqinisekiso kanye nelungelo lakho elisele lingawafaki u-25% wemali mboleko entsha. inani.

Ukubalwa Kwesiqinisekiso Sokubolekwa kwe-VA Ezimweni Ezingenalungelo

Uma uzithola usesimweni lapho ungenalo ilungelo lokubolekwa i-VA elisele, kungase kubonakale sengathi uphelelwe izinketho zokusebenzisa izinzuzo zemalimboleko ye-VA futhi. Lokhu ngokuvamile kwenzeka uma usengumnikazi futhi ubambe imali mboleko ye-VA kwenye indawo.

Nakhu ukuthi kulithinta kanjani ikhono lakho lokuvikela isiqinisekiso esisha semalimboleko ye-VA:

Ngaphandle kwanoma yiliphi ilungelo elisele, i-VA ayikwazi ukunikeza isiqinisekiso sayo kwenye imali mboleko. Lesi siqiniseko sibalulekile ngoba kuyindlela ye-VA yokuqinisekisa umbolekisi ukuthi ingxenye yemali mboleko isekelwa nguye, okuvamise ukunika amandla izinzuzo zokungakhokhi futhi ungabi nomshwalense wemali ebolekiwe wangasese. Ngaphandle kwayo, imalimboleko ayikwazi ukuqhubeka ngaphansi kwemibandela evumayo ye-VA.

Nokho, akuwona ukuphela komgwaqo. Kunezindlela ezimbalwa zokuzulazula kulesi simo. Enye inketho ukuthengisa indawo eboshelwe emalini ebolekiwe ye-VA yokuqala, ukubuyisela ngokugcwele leyo mali ebolekiwe, engabuyisela ukufaneleka kwakho ngokugcwele.

Omunye umzila ufuna ukubuyiselwa ngesikhathi esisodwa uma usuyibuyisele ngokugcwele imali ebolekiwe ye-VA kodwa wanquma ukugcina indawo. Lokhu kubuyiselwa kukuvumela ukuthi uphinde usebenzise izinzuzo zakho zemboleko ye-VA, nakuba ngaphansi kwezimo ezithile kanye nemikhawulo.

Uma kungekho kulezi zinketho ezisebenzayo noma ezikhangayo, ungase udinge ukubheka ezinye izinhlobo zemalimboleko ukuze uthenge ikhaya lakho elilandelayo noma ulinde uze ukwazi ukubuyisela ukufaneleka kwakho.

Nakuba isimo esingenalungelo sikhawulela ukusebenzisa kwakho izinzuzo zemalimboleko ye-VA ngokushesha, asilisusi unomphela ikhono lakho lokuzisebenzisa esikhathini esizayo, inqobo nje uma uthatha izinyathelo zokubuyisela ukufaneleka kwakho.

Imibuzo Evame Ukubuzwa Ngesiqiniseko Sokubolekwa kwe-VA

Ukuzulazula ngenqubo yesiqinisekiso semalimboleko ye-VA kungase kube inkimbinkimbi, kodwa ukuqonda izici ezimbalwa ezibalulekile kungakwenza kube lula kakhulu kwabathenga izindlu.

Nawa ama-FAQ aphezulu aklanyelwe ukukusiza ukuthi usebenzise ngokugcwele izinzuzo zakho ze-VA yemalimboleko.

Isiqinisekiso semali mboleko ye-VA sibalwa kanjani?

Isiqinisekiso semali mboleko ye-VA sibalwa ku-25% yenani lemalimboleko kulabo abanelungelo eligcwele.

Lokhu kusho ukuthi uma ufanelekile futhi ungakasebenzisi noma yimaphi amalungelo akho, i-VA iqinisekisa ingxenye yesine yenani lakho lemalimboleko kumabolekisi.

Yini eshintshile ngesibalo sesiqinisekiso semalimboleko ye-VA ngemuva koMthetho wamaVeterans we-Blue Water Navy Vietnam ka-2019?

I-Blue Water Navy Vietnam Veterans Act ka-2019 isuse imikhawulo yemalimboleko yomakadebona abanelungelo eligcwele.

Manje, omakadebona bangaboleka ngaphezu kuka-$144,000 ngaphandle kokuvinjelwa imingcele yemalimboleko yesifunda, i-VA iqinisekisa u-25% yenani lemalimboleko.

Ingabe ilungelo eligcwele lisithinta kanjani isiqinisekiso semali mboleko ye-VA yemali mboleko engaphezu kuka-$144,000?

Ngelungelo eligcwele, omakadebona bangathola imalimboleko yanoma yiliphi inani elingaphezu kuka-$144,000, i-VA iqinisekisa u-25% wemali mboleko ngaphandle komkhawulo omkhulu, inqobo nje uma umbolekisi egunyaza inani lemalimboleko.

Liyini ilungelo eliyingxenye futhi lithinta kanjani ukubalwa kwesiqinisekiso semali mboleko ye-VA?

Ilungelo eliyingxenye livela lapho umakadebona esevele esebenzise ingxenye yenzuzo yakhe yemalimboleko ye-VA.

Isiqinisekiso sibe sesibalwa ngokusekelwe emalini esele kanye nomkhawulo wemalimboleko yesifunda, okungase kwehlise inani lemali ebolekiwe isiqinisekiso se-VA.

Imikhawulo yemalimboleko yesifunda ithinta kanjani inani lesiqinisekiso se-VA?

Imikhawulo yemalimboleko yesifunda iyasebenza komakadebona abanelungelo eliyingxenye.

Isiqinisekiso se-VA semali mboleko engaphezu kuka-$144,000 sikhawulelwe yile mikhawulo yemalimboleko, okuthinta inani eliphezulu lemalimboleko umakadebona angalivikela ngaphandle kwenkokhelo ephansi.

Ungakwazi yini ukunikeza izibonelo zezibalo ze-VA guaranty zokuthenga, ukubuyisela imali, kanye nemalimboleko yokwakha?

Kuzo zonke lezi zinhlobo zemalimboleko, uma umakadebona enelungelo eligcwele, i-VA iqinisekisa u-25% yenani lemalimboleko. Isibalo asishintshi kakhulu phakathi kokuthenga, ukubuyisela imali, noma ukwakha ikhaya.

Ingabe ukusetshenziswa kwangaphambilini kwelungelo kusithinta kanjani isiqinisekiso esisha semalimboleko ye-VA?

Ukusetshenziswa kwangaphambilini kwelungelo lakho kunciphisa inani elitholakalayo lemalimboleko entsha ye-VA.

Isiqinisekiso esisele sibalwa ngokusekelwe kulokho okusele ngemva kokukhipha noma yimaphi amalungelo owusebenzisile kubukhulu obutholakala kuwe.

Kuyini ukubuyiselwa kwamalungelo futhi kubathinta kanjani isiqinisekiso semali mboleko ye-VA?

Ukubuyiselwa kwelungelo kugcwalisa inzuzo yakho yemalimboleko ye-VA enanini layo langempela ngemva kokuba usuyikhokhe ngokugcwele imali mboleko ye-VA. Lokhu kukuvumela ukuthi usebenzise isiqinisekiso esigcwele se-VA emalimboleko yesikhathi esizayo, empeleni ukusetha kabusha ukufaneleka kwakho.

Esimeni esingafanelekile, isiqinisekiso semali mboleko ye-VA singabalwa kanjani?

Uma ungenalo ilungelo elitholakalayo, i-VA ayikwazi ukuqinisekisa noma iyiphi ingxenye yemali mboleko entsha.

Ukuze uphinde uthole ukufaneleka, kufanele ubuyisele ilungelo lakho ngokukhokha imalimboleko yakho ye-VA ekhona ngokugcwele noma ngokuthengisa indawo bese ukhokha imali mboleko ye-VA.

Kuyini ukubuyiselwa kwelungelo ngesikhathi esisodwa futhi ubani ofanelekile?

Ukubuyiselwa kwesikhathi esisodwa kwamalungelo kuvumela omakadebona ukuthi babuyisele inzuzo yabo egcwele yemalimboleko ye-VA ngisho noma bengathengisanga ikhaya labo langaphambilini, inqobo nje uma sebeyibuyisele ngokugcwele imali abayibolekile ye-VA.

Lokhu kutholakala kanye umakadebona ngamunye futhi kubenza bakwazi ukusebenzisa izinzuzo zabo zokubolekwa kwe-VA futhi ngaphansi kwemibandela yesiqinisekiso esigcwele.

Umugqa Ongezansi

Ukuqonda isiqinisekiso semali mboleko ye-VA nokuthi ibalwa kanjani kubalulekile komakadebona abafuna ukukhulisa izinzuzo zabo zokuthenga ikhaya.

Ukuthi uyathenga, uxhasa ngezimali kabusha, noma uyakha, ukwazi ukufaneleka kwakho nokuthi imikhawulo yemalimboleko yesifunda ingathinta kanjani imali oyibolekile kungaholela emigomeni emihle yemalimboleko.

Ukubuyisela ukufaneleka kwakho noma ukusebenzisa ithuba lokubuyisela ngesikhathi esisodwa kungathuthukisa ikhono lakho lokusebenzisa izinzuzo zakho ze-VA ngokugcwele.

Ngolwazi olufanele nokuhlela, omakadebona bangazulazula kunqubo yemalimboleko ye-VA ngempumelelo kakhudlwana, benze ubunikazi bezindlu bufinyeleleke kalula futhi buthengeke. Ingabe usukulungele ukuthola ikhaya lamaphupho akho eFlorida?

Vumela i-MakeFloridaYourHome ikuqondise ohlelweni ngezeluleko zochwepheshe kanye nesevisi yomuntu siqu.


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