Chii Chinonzi Chidzimba chekuchengetedzwa kweMutemo?

Kodzero Yako yekudzivisa PMI

Pamwe mortgage inshuwarimendi (PMI) inodzivirira vatengi apo vanokwereta havabhadhari zvikwereti zvemusha, asi vimba vepamba vane basa rekubhadhara mari yemitengo yeruzhinji. Izvo zvinodhura zvinogona kuuya nenzira yepamwedzi pamhosva dzinowanikwa mubhadharo rekutengesa, kana kuti inogona kubikwa muchikwereti chechikwereti. Chero nzira, vatengi vanobatsirwa nekubhadhara chete sezvinodiwa kune mortgage inshuwalense.

Zvinosuruvarisa kuti vashandi vekumba vakatarisana nematambudziko ekubvisa minda ye PMI, kunyange apo PMI yakanga isisisina kudiwa.

Mune zvimwe zviitiko, vakweretesi nevashandi vakavhiringidzika pamusoro pekuregesa PMI, uye vamwe vasina kubhadhara chikwereti chekubhadharira zvikwereti vakavhura tsoka dzavo pakurambidza PMI mhosva.

Chii Chinonzi Chidzimba chekuchengetedzwa kweMutemo?

Murairidzi weChipinda Chekuchengetedza Mutemo (HPA), uyo anozivikanwawo seMDC Cancelation Act, mutemo unodzivirira vatengi pakubhadhara kune PMI. Mitemo inogadza:

• Apo vagari vepamba vanogona kukonzera PMI uye vobva varega kubhadhara mahora
• Apo vanokweretesa vanofanira kungosiya kuvhara vatorwa kune PMI
• Kuzivisa kuti vateresi vanofanira kupa kana chikwereti chinoda PMI
• Nzira yekubata nayo mihoro mihoro isina kuwanikwa iyo varidzi vepamba vanobhadhara

Ndiani anokodzera? IHPA inoshanda kune yekugara mortgage loans, kusanganisira zvikwereti zvemhuri imwe chete yemhuri, condos, nezvimwe zvinogara mudzimba dzekugara. Mutemo hauna hupfumi hwehurumende hunotsigirwa nehurumende seFHA zvikwereti kana VA zvikwereti. Zvakare, HPA inobata chikwereti chakafanana uye "zvikwereti zvikuru" zvikwereti zvakasiyana. Kuti vashandise kushandisa HPA, vatengi vanoda kuchengetedza nhoroondo yakanaka yekubhadhara.

Zuva rinobudirira : HPA yakave yakashanda musi waJuly 29, 1999. Zvisinei, vateresi vachiri kudikanwa kupa zviziviso kune vakwereta avo vakatora chikwereti zuva iroro risati rasvika.

Nei chidiki PMI? PMI inowanzodiwa chete kana vimba vedzimba vachibhadhara pasi pasi pe20%. Nekwereti yakakwereta-ku-value (LTV), vanokweretesa vanoisa pangozi yekurasikirwa nemari kana vachifanirwa kuvhara pamba uye kuitengesa nokukurumidza.

Asi kana LTV inodonha pasi pe80 muzana, vateresi vanotarisana nemukana wakawandisa, uye vagari vembavha-munyaya-vanofanirwa kurega kubhadhara mwedzi wega wega mhiko.

Nzira yekuti vatengesi vanogona sei kukonzera PMI

IHPA inodzivirira mamiriro ezvinhu apo varidzi vepamba vanobhadhara mwedzi wega wega mamiriyoni eupenyu hwechikwereti chavo.

Anokwereta chikumbiro: Vanokwereta vanogona kuvhara PMI nokuisa chikumbiro chakanyorwa kune chikwereti chekuripa chikwereti kana chikwereti chakarongwa kusvika 80 muzana LTV (yakatarwa purogiramu yekubhadhara chikwereti). Vagari vomunharaunda vanogonawo kuita chikumbiro ichi kana vakaunza LTV kusvika ku80 muzana nekuita mari yekuwedzera chikwereti. Kuti zvikwanise, vimba vemusha vangada kupa uchapupu hwokuti imba haina kurasikirwa kukosha.

Kushanda kwekugadzirisa: Vanokweretesa vanofanirwa kubvisa chinyorwa che PMI pakarepo kana chikwereti chakarongwa kusvika 78 muzana chepakutanga LTV.

Kuguma kwekupedzisira: Kana PMI isingabhadharwi nekuda kwekukumbira chikwereti kana kuregererwa kwekugadziriswa, zvikwereti zvinokwereta zvinofanira kuvhara mwedzi wega wega madhigiridziro mushure mokunge chikwereti chinosvika kumativi maviri ekugadzirisa purogiramu yacho .

Zvimwe zvikamu: HPA yakaoma, uye zvichemo zvekwereti yako zvinokanganisa kodzero dzako pasi peMutemo. Semuenzaniso, chero humwe hutano pahupfumi hwako hunogona kukudzivirira kubva kubudirira kubvisa kuparidzirwa.

Zvikwereti zvisina kukodzera ( zvakadai sejumbo chikwereti ) zvingada kuti iwe kumirira kusvikira wava kusvika ku 77 muzana LTV.

Kuzivisa: Kodzero dzako seMukwereti

Mukuwedzera pakugadza mitemo yekuregesa PMI, HPA inoda kuti vatengi vaudze vakwereta nezvekodzero dzavo. Zvinyorwa zvinosanganisira zvikwata zvepamusoro uye zvegore negore pamusoro pekuti uye sei vakwereta vanogona kuvhara PMI. Nhoroondo inosanganisira tsanangudzo pamusoro pekugadzirisa purogiramu, panguva yekukumbira kuregererwa, uye chero zvipi zvinokonzera kukwanisa kubhadhara PMI.

Nezvikwereti zviripo zvakabudiswa musi waJuly we1999, vateresi vanowana chiziviso chegore negore vachivayeuchidza kuti vanogona kukumbira kutsvaga uye kupa ruzivo rwekubhadhara mari yavo.

Lender Paid Mortgage Insurance

Vamwe zvikwereti vanoshandisa chikwereti chekubhadhara mortgage inshuwarisi (LPMI) pachinzvimbo chekuwedzera premium kumubhadharo wemwedzi wega weimba.

Vanokweretesa vari kubhadhara LPMI-zita racho harisi rakakwana zvachose-asi havaribhadhari mwedzi nemwedzi. Pane kudaro, vateresi vanogona kubhadhara kana:

1. Chibhadharo chechikwereti pamutambo wechikwereti.
2. Chirwere chechikwereti chepamusoro pane chikwereti chechikwereti, chinotungamirira kumwedzi wepamusoro kutora chikwereti (huru uye inowanikwa) chikwereti .

Vakawanda vanokwereta neLPMI vanosarudza chikwata chapamusoro. Asi chiyero ichocho chinowedzera hupenyu hwechikwereti, uye hapana nzira yekuti "cancel" LPMI uye chengetedza chikwereti chako chiripo. Pane kudaro, vagari vomunharaunda vanoda kubhadhara chikwereti chavo cheLPMI, kazhinji kuburikidza nekugadzirisa nekwereti chitsva .

Kunyange zvakadaro, HPA inoshanda kune mari yechikwereti neLPMI. Vatengesi vanodikanwa kupa zvinyorwa kune vakwereta kuti:

• Tsanangura kuti LPMI inoshanda sei
• Simbisa chikwata chapamusoro chemari chinowanzowanikwa neLPMI
• Kurukurai zvinobudirira uye zvakashata zvezvakasiyana siyana