Ziyini izinhlobo ezahlukene zemikhiqizo yemalimboleko noma yemalimboleko yabathengi bezindlu e-U.S.?
Kubalulekile ukuqonda zonke izinketho zakho zezimali lapho ucabangela ukuthenga umuzi omusha. Ezinye zezinhlobo zemalimboleko ezivame kakhulu kubathengi bezindlu zokuhlala zibalwe ngezansi:  1. Izinkomo Imali-mboleko evamile: Uhlobo oluvame kakhulu lwemali-mboleko yasendlini engenawo umshwalense noma isiqinisekiso sikahulumeni. Nakuba ngokuvamile kudinga ukuba ukhokhe u-20% imali yokuqala, ungabeka u-5% kuphela. 2. Izingelosi Imalimboleko Yabasezempi: Lokhu kunikezwa uMnyango Wase-U.S. Wezindaba Zabangenele Impi kubantu abaye bakhonza kwezempi kanye nakwabashade nabo. Akudingeki ukuba kukhokhwe imali yokuqala futhi kuyindlela enhle kakhulu kunoma ubani ofanelekayo. 3. Izindaba Ezinhle Imali-mboleko ye-FHA: Imali-mboleko yendlu eqinisekiswe yi-Federal Housing Administration. Abathengi bokuqala bezindlu bathola le mali mboleko ikhanga kakhulu ngenxa yezidingo zokukhokha okuncane okungu-3.5% kuphela kanye nezidingo zesikweletu esiguquguqukayo. Ngaphezu kwalokho kunemikhiqizo yezingane kule moto yemalimboleko kufaka phakathi imalimboleko ye-FHA 203k engasiza labo abathenga izakhiwo ezinenkinga ngokuxhasa imali yokuvuselela, ngaphakathi kweziqondiso ezithile ezinqunyelwe kusengaphambili. 4. Izidakamizwa Imali-mboleko Yesilinganiso Esishintshashintshayo (i-ARM): Ngale mkhiqizo, isilinganiso senzalo yakho siyashintsha ngokuhamba kwesikhathi kuye ngezimo zemakethe nezomnotho. Lezi zibonakala zikhanga ekuqaleni njengoba ngokuvamile ziqala ngamanani aphansi kunama-mortgage anenani elilinganiselwe kodwa zingakhuphuka ngokuhamba kwesikhathi. 5. Izingelosi Izinga Lenzalo-mali Elinqunyiwe: Leli zinga lenzalo-mali linqunyiwe ekuqaleni kwemalimboleko futhi liqala ngokufana kulo lonke isikhathi semalimboleko. 7. Izingelosi Imali-mboleko ye-USDA: Iqinisekiswa uMnyango Wezolimo wase-U.S. futhi iyafaneleka kubathengi bezindlu basemaphethelweni namaphandleni. Lo mkhiqizo wemalimboleko futhi awudingi ukukhokhelwa phansi futhi unezidingo zomshwalense wesibambiso esiphansi kunemali mboleko ye-FHA  Nakuba lezi kuyizinhlobo zemalimboleko ezivame kakhulu, ngezinye izikhathi kuvela ezinye izinketho. Kubalulekile ukucwaninga bese ukhetha umkhiqizo ofanelana kangcono nezidingo zakho nemigomo yakho yesikhathi eside yezimali. Ukuze basizwe baqonde kangcono lezi zindlela zokuthenga, abathengi abaningi abafisa ukuthenga baxoxa nababolekisi bendawo, abathengisi bezindlu, nabathengisi.