Chii Chinonzi Chikwereti Chine Mutero?

Mhando dzeChinhu Chikwereta Chekushandisa Vatengi Vekumba

Ndinokurudzira vatengi venguva yekutanga kumusha kuti vasangane nemunhu anotengesa chikwereti vasati vafunga nezvechikwereti nokuti vatengesi vatengesi vanotakura zvinhu zvakawanda, kusanganisira vakaneta uye vanokweretesa vhenda yakawanda. Bhengi rinogona kuita chikwereti chairo, zvakare, asi kazhinji, bhandi yemugetsi wekambani yakatarwa uye kunyanya chete kubhangi iroro. Kunyange zvazvo mutengesi anotengesa mari anogona kukwereta zvikwereti kuburikidza nhamba yebhengi.

Mushure mokutengesa kwekwereti muna 2007, dzakawanda zvezvikwereti zvakasiyana zvezvikwereti zvakapera, uye zvikwereti zvekare zvakadzoka zvakare mune chinzvimbo chakakosha mumisika yekutengesa.

Zvikwereti zvinowirirana zvinowedzera mukurumbira wekuchengetedza chikwereti chakachengeteka, uye pane zvikwereti zvakasiyana-siyana zvekukwereta kusarudza kubva zvakare.

Mhedzisiro huru pakati pekwereti yakatarwa uye mamwe marudzi ezvitoro ndeyechokwadi chikwereti chakakosha hachigoni kuitwa nehurumende kana kuti inopihwa nehurumende yehurumende. Ndizvo zvatiri kureva sechikwereti cheGSE. Nhengo isina mari yehurumende inotsigirwa.

Mhando dzehurumende yehupfumi ndeye FHA uye VA zvikwereti. Chikwereti cheFHA chinotsigirwa nehurumende uye chikwereti cheA VA chinotsigirwa nehurumende. Kubhadhara mitemo yakasiyana zvakasiyana. Izvo zvishoma zvishoma kubhadhara chikwereti cheFHA chikamu 3.5. Kana muri VA chikwereti, zvishoma zvishoma kubhadhara zero.

Mari inokonzerwa nemitero yakabvumirana

Vashandi vekumba vanogona kutora chikwereti chechikwereti chinowanikwa kubva kubhangi, kuchengetwa uye chikwereti, chikwereti chekweretheni kana kunyange kuburikidza nemunhu anotengesa chikwereti uyo anobhadhara zvikwereti zvake kana vatengesi. Zvinhu zviviri zvakakosha ndezveshoko rechikwereti uye chikwereti-ku-value chiyero :

• 97 muzana LTV neyemakore makumi matatu nemakumi matatu (kana 20, 15 kana gumi)
• 95 kubva muzana LTV ine mutengo wemakore makumi matatu (kana 20, 15 kana 10)
• 90 kubva muzana LTV ine mutengo wemakore makumi matatu (kana 20, 15 kana gumi)
• 85 kubva muzana LTV ine mutengo wemakore makumi matatu (kana 20, 15 kana gumi)
• 80 muzana LTV ine mutengo wemakore makumi matatu (kana 20, 15 kana gumi)

I-LTV inogona kunge iri pasi pe80%.

Inogona kuva chero ipi zvayo yakasununguka kune wakwereta. Kana iyo LTV iri yakakwirira kudarika 80 muzana, vateresi vanoda kuti vakweretesa vabhadhara mari yega mortgage inshuwarisi *. Izwi rechikwereti rinogona kuva rakakura kana rakfupi, zvichienderana neunokwereta. Semuenzaniso, akakwereta angave akakodzera kwemakore makumi mana emakore, izvo zvingaderedza zvakanyanya mari. Chikwereti chemakore makumi maviri nemakumi maviri chinotora chikwereti. Heano mienzaniso mishomanana yekubhadhara kunogona kuchinja zvichienderana neshoko rechikwereti:

• Chikwereti chemadhora mazana maviri nemazana matanhatu kubva pamakumi maviri kubva pamakore makumi maviri nemakumi maviri chaizobhadhara chinokonzera kubhadhara $ 1,432.86 pamwedzi.
• Chikwereti chemadhora mazana maviri nemazana matanhatu kubva pamitengo yepamusoro chinotambirwa makore anopfuura makumi matatu chizoguma nekubhadhara kwe $ 1,199.10 pamwedzi.
• Chikwereti chemadhora mazana maviri nemazana maviri kubva pamakumi matanhatu kubva pamakore makumi mana emitero chinozoita kuti kubhadhara $ 1,100.43 pamwedzi.

Chikwereti chakakwana chechikwereti chekare chikwereti icho chikwereti ichocho chikuru uye chebhadharo inobhadharwa mwedzi woga woga, kubvira pakutanga kwechikwereti kusvika kumugumo wemutero. Mutero wokupedzisira unobhadhara chikwereti zvachose. Hapana bhariro yekubhadhara .

Kuenderana nemiganhu yezvikwereti ndeye $ 417,000. Chidiki cheFICO chikamu chekuda kwechikwereti chakanaka chakakwirira kudarika izvo zvinotarisirwa kuti zvikwereti zveFHA. Miriyoni yezvikwereti inopfuura $ 417,000 inofanirwa kubhadhara zvikwereti zvehurumende, uye zvimwe zvikwereti zvejumbo uye mari inofarira inowedzera.

* Zvimwe zvikwereti zvinokweretwa zvinokweretesa zvinopa mukweretesi kubhadhara mari yega mortgage inshuwarisi.

Zvigadziriswa zvinowanikwa muChishanu

Chirongwa chinogadziriswa chechikwereti chinokwereta chinoreva kuti chikwereti chinogadziriswa, chinogona kuchinja. Zvimwe zvikwereti zvinogadzirirwa kwenguva yakati, uye zvino zvinoshanduka pakugadzirisa zvikwereti. Hezvino nhatu mitambo yakakurumbira yekugadzirisa zvikwereti zvakakosha:

• 3/1 ARM. Iyi chikwereti inogadzirirwa kwemakore matatu, uye zvino inotanga kugadzirisa kuitira makore makumi maviri nemasere.
• 5/1 ARM. Iyi chikwereti inogadzirirwa kwemakore mashanu, uye zvino inotanga kugadziriswa kwemakore makumi maviri anopfuura.
• 7/1 ARM. Iyi chikwereti inogadzirirwa kwemakore manomwe, uye zvino inotanga kugadzirisa kuitira makore makumi maviri nemaviri.

Zviratidzo zveNhepfenyuro inokonzerwa neChechi

Vazhinji vanokwereta vanonyadzisa kubva kune imwe nzira inogadziriswa yezvikwereti zvekare uye vanoda kusungirirana nekodhenda yemari .

Kune vanokweretesa vane mari inogona kukwira, kuchinja kwekubhadhara chikwereti kunogona kungova tiketi yekubatsira nemakore ekutanga ekubhadhara.

• Iko yekutanga kufarira chikwata chiri pasi kudarika chiyero chemari yakasimwa-iyo yemari.
• Pane chiyero chikuru chechikwereti chinogona kugadzirisa pamusoro pehupenyu hwechikwereti chinozivikanwa senhamba yekoti.
• Nhamba yemari inofanirwa inotsanangurwa nekuwedzera marginal rate kusvika kuenzanisi yehuwandu .
• Nguva yekugadzirisa inogona kuva mwedzi mumwe nomumwe, mwedzi mitanhatu, kana gore rimwe nerimwe, pakati pezvimwe zvisarudzo.

Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.