Iwe Unobhadhara Mutero Wechiridziro Wekudzivirira Imari Asi Haisi Kukuchengetedza Iwe
Rudzi rwunozivikanwa ruduku rwekutengesa inshuwalisi nderudzi runobhadhara chikwereti chako kana ukafa. Mune mamwe mazwi, iwe unobhadhara purogiramu shomanana kwekana duku yekufa. Iwe unogona kunge uchiwana kudzivirirwa zviri nani kuburikidza ne inshuwarisi yehupenyu . Mhando ye mortgage inshuwarisi vanhu vakawanda vanotakura ndiyo iyo inoita kuti vatsigiri vese vaite chikwereti pavanenge vachikwereta vachirega kubhadhara chikwereti . Nonsensicle, asi wega mortgage inshuwarisi inoita kuti yako ive chikwereti.
Nei Uchibhadhara Inishuwarenzi Yokubhadhara Mari Yomumwe Munhu?
Vazhinji vakwereta vanotora hupfumi hwekutengesa mortgage inshuwarirwo nokuti avo vanoripira mari vanodikanwa. Ndizvo nokuti uyo anenge akwereta ari kuisa pasi pasi pe20 muzana yemutengo wekutengesa sekubhadhara pasi . Kana munhu asingakwanisi kukwereta akadzikisa, inowedzera dambudziko kune anokweretesa. Saka uyo anopa chikwereti anoda inshuwarheni pamusoro pekusafa.
Iwe hausaruri kambani yeruzhinji yeruzhinji uye iwe haugone kutaurirana mahorai. Zvinonzwika seAmerica, asi ndizvo zvinoitika kana iwe ukawana chikwereti chinopfuura 80 muzana chikwereti-ku-kukosha (LTV).
Chii Chisingasviki 20 Peresenti Inoona Sezvakaita
Semuenzaniso, kana iwe ukaisa pasi 5 muzana pamusha we $ 200,000 uye ukarega kuita mari yako yekubhadhara , mortgage inshuwalisi ingabhadhara chikwereti chako $ 30,000, iyo ndiyo 15 muzana yausina kuisa pasi kudzivirira chikwereti kune 80 muzana LTV. Izvi zvaizoitika mushure mekufungidzira.
Sangano reGold Housing Administration (FHA) rekubhadhara mari inshuwarheni pamwe chete. Hausi iwe chete unobhadhara premium premium ye mortgage yunivhesiti, asi iwe unobhadhara mwero wemwedzi wega wega, pamwe chete nomukuru wako, kufarira, inshuwarisi yehupfumi, uye mitero.
Iwe Unogona Sei Kuvhara Private Mortgage Insurance?
Kana imwe nguva kuenzana kwako kuchikwira kupfuura 20 muzana, kana kuburikidza nekubhadhara pasi mari yako yekutenga kana kuonga, iwe unogona kukodzera kubhadhara PMI . Danho rekutanga nderekushevedza chikwereti chako uye kubvunza kuti iwe unogona sei kubvisa rako rega mortgage inshuwarisi.
Wechikwereti achada uchapupu hwokuti kuenzana kwako kwakachengeteka uye kunopfuura 20 muzana. Ichawana uchapupu ihwohwo kuburikidza nekuti iwe ubhadhara kuongororwa kwokuzvimiririra . Iwe haunzwi inzwi mukusarudza appraiser kana kuti mari yaunofungidzirwa ichakubhadhara iwe, asi kazhinji, kuongorora kunodhura pakati pe $ 350 ne $ 500.
FHA mitemo yakasiyana. Kana iwe uine chikwereti cheFHA , iwe uchada kubhadhara pasi chikwereti chako kusvika 78 muzana yemutengo wako wokutanga wekutengesa. Kunyangwe kana kuonga kwaita kuti iwe uenzane, hazvina basa. Iwe uchadikanwa kuderedza chengetedzo yako yepakutanga yekutanga.
Nzira Yokudzivisa Kubhadhara Mari Yokudzivirira Mari Inoshuwarenzi
Kune nzira dzakawanda dzekudzivisa kubhadhara mari yega mortgage inshuwarisi.
Iwe unogona kunge usina kukodzera izvozvi, kana kuti ungasada kuvashandisa.
- Kana iwe uri mhare, iwe unogona kutora chikwereti cheA VA , icho chisina chekuchengetedza mari yehupfumi yeruzhinji.
- Iwe unogona kuisa pasi 20 muzana kana kupfuura kana iwe uchida kutora Bhangi raMama nababa .
- Iwe unogona kubhadhara chikwata chapamusoro chechibereko . Dzimwe nguva musiyano mubhadharo yako yemwedzi wega wega wakapararira pane nguva yako yakarongwa yekugara iwe inopfuura kudarika kubhadhara mortgage inshuwarisi.
- Iwe unogona kutora chikwereti chakabatanidzwa che 80/10 / 10. Izvi zvine 10% mubhadharo pasi, asi 80 muzana yekutanga kutengesa uye 10 muzana yechipiri chikwereti .
- Iwe unogona kutarisa mukati memudzimba wePodPath hwekubhadhara wakapiwa naWannie Mae paakasarudza ma Fannie Mae mabhanga ane mabhangi.
- Kana iwe uri mudzidzisi kana chiremba bhenji yako ingakupa chikwereti chakakosha. Dzimwe nguva, zvikwereti kune vadzidzisi uye vanachiremba hazvidi kuti padzivirire mortgage inshuwarisi.