Ndeupi MUTO weV VA?
A VA chikwereti ndiyo inonyanya kusimba uye inoenderana nekukwereta kusarudzo pamusika nhasi. Panzvimbo pekupa zvikwereti, VA vanovimbisa kubhadhara chikamu chechina chezvikwereti zvose zvinopikira muchiitiko chisingaoneki kune akakwereta zvisiri izvo.
Chivimbiso ichocho chinopa vashandi vanobvumirwa neAV kuti vadzivirire zvikuru kana vachikweretesa kune vakwereti vehondo uye kazhinji zvinotungamirira kumakwikwi ekukwikwidza uye mazwi kune veterans vakakodzera.
Ndezvipi zvinokosha zvinodiwa neA VA Maripi?
Kubva kure uye kure, rubatsiro runonyanya kukosha rwekubhadhara VA ndeye kukwereta kukwanisa kutenga pasina mari pasi. Kunze kwehuwandu hwemari yehurumende yeDUSA yekuRural Development uye Pasi Pati yePannie Mae, zvose hazvigoneki kuwana sarudzo yekukwereta nhasi inopa vakwereta ne 100% mari yekubhadhara.
VA zvikwereti zvinouyawo zvishoma zvakanyanya pasi underwriting mitemo uye zvinoda kupfuura zvikwereti zvekare. Kutaura zvazviri, vanenge 80% veVA vakakwereta vakanga vasingakwanisi kuwana chikwereti chakakosha. Izvozvi zvikwereti zvinouyawo pasina chekuchengetedza mari yega mortgage inshuwaridhi (PMI), mari yaunotora pamwedzi yavanobhadhara avo vanowanzobhadhara kubhadhara kunze kwekunge vaisa pasi makumi maviri kubva muzana yemari yemari.
- Kukwikwidzana nhanho yemari iyo inogara iri pasi kudarika zviyero zvinowanikwa
- Kwete zvikwereti zvokubhadhara
- Vatengesi vanogona kubhadhara kusvika 6 kubva muzana yekubhadhara mari uye kubvumirana
- Yakakwirira inokodzera chikwereti-kune-kuwana mari yepamusoro kupfuura kune dzimwe mimwe chikwereti
- Kurondedzerwa refinancing zvikwereti zvinoda kwete zvinyorwa pasi
Pasinei nehutano hwakakosha hwekudiwa, vashoma kusvika 10 kubva muzana vorudzi rwavo vanenge mamiriyoni makumi maviri nemashanu ehurumende vakashandisa mari yekubhadhara mari inowanikwa nebasa ravo.
Vamwe veterans vanotenda kuti havatenderwi, asi vamwe havana chokwadi nezvekutora matanho. Bhuku reA VA rakaitwa muna 2004 rakawana kuti 20 muzana yevarwi veterans vakanga vasingazivi zvachose VA Loan Guaranty Program uye kuti zvinorevei kune mhuri dzavo.
Ndiani anokodzera kubhadhara VA?
Munyika yose, mamiriyoni evarwi uye vashandi vanoita basa-vanofanira kukwanisa kupinda muView Loan Guaranty Program. Avo vanokodzera mune rimwe kana kupfuura mamwe emapoka aya vanogona kukodzera:
- Nhengo dzechiuto dzakashumira mazuva makumi mapfumbamwe nemasere pamabasa ekushanda kana mwedzi mitatu munguva yehondo
- Vanhu vakapedza makore anenge gumi nemakumi manomwe muNational Guard kana Reserves
- Vakaroorana veavo vakaurayiwa mumutsara webasa
Certificate yeEgligible
Veterans uye nhengo dzinoshingaira-yebasa rinofanira kuwana Chiremba chekugadziriswa kubva ku VA. Iri ibhuku rakarongeka rinonyatsojekesa kuti uyo anotarisira chikwereti ane VA ane kodzero uye akakodzera kupinda muchirongwa. Chikwereti chikamu chemari iyo Veterans Administration ichaita kuti mari yechikwereti ivepo.
Veterans vanogona kukopa Chikumbiro cheSitifiketi Chekugadziriswa paIndaneti. VA-vakabvumirwa vatengi vanozobatsirawo veterans kuwana nekuzadza mafomu aya ega uye ehurumende.
Zvakakosha kuyeuka kuti havasi vose vanofanirwa kubhadhara chikwereti chaA VA vachapedzisira vawana imwe.
Chii chandingatenga neAV Maripi?
VA zvikwereti zvinonyanya kushandiswa pakutengesa kana kuvaka imba imwe chete yemhuri, asi idzi zvikwereti zvinokwanisika zvinogona kubatsirawo veterans kuvandudza mararamiro avo ezvino kana kuchengetedza mari yakawanda mwedzi mumwe nomumwe kuburikidza nekugadzirisa. Veterans vanogona kushandisa VA chikwereti kune:
- Ongorora zvekare chikwereti cheA VA chakavimbiswa kana chakanaka kuitira kuti udzikise chido chezvino chawanikwa
- Tsanangurira kuitira kuti utore mari
- Kugadzirisa, kuchinja kana kuvandudza imba inoshandiswa nevekare
- Panguva imwechete kutenga uye kuvandudza imba
- Ita simba zvakagadziridzwa kubudirira kuburikidza neGome Energy Efficient Mortgage pamwe chete neA VA kutenga kana VA kugadzirisa
- Kutenga imwechete-mhuri yekugara kwechikwata mukuvandudza kwechikwata chinogamuchirwa neV VA
- Kutenga purazi yekugara kuti ive yega uye inotorwa nemuvengi wekare
- Kutenga imba yakagadzirwa kana modular uye / kana mujenya
Veterans uye avo vanoshingaira-nhengo dzemabasa havagoni kushandisa mvumo yeA VA kutenga imwe nzvimbo yekutsvaga. Izvi zvakagadzirirwa kubatsira varwi vakakodzera kuti vave vadzidzisi vemba, kwete vashandi vekumba kana vevatengesi.
Chii icho VA Lending Limit?
Kusiyana nekutenda kwakakurumbira, hakusi yepamusoro yepamusoro pevheji yemari VA. Iyo yakawanda VA yakawanda inowanikwa chikwereti inobva pane zvakawanda zvezvinhu. Kazhinji, VA-approved vakweretesi vachabatana nemiganhu nemitemo yakagadzwa ne federal mortgage agencies , Fannie Mae , naFreddie Mac . Munharaunda yose yenyika, vanokwereta vanogona kuwana chikwereti chakakosha kusvika madhora 417,000 pasina kuisa pasi mari ipi zvayo. Izvozvo zvikamu zvakakwirira mune dzimwe nyika dzinowedzera mari dzinharaunda, apo miganhu yezvikwereti inogona kukwira ku $ 625,000 uye kupfuura.
Ko veterans vanofanira kubhadhara chero chinhu here?
VA zvikwereti zvinobvumira veterans vakawanda vanogona kutenga pasina kuisa dhora rimwe chete kumari yekubhadhara kana yekuvhara . IVa VA inotora mari uye mari iyo veterans vanogona kubhadhara, kunyange zvazvo kune zvinhu zvishomanana, sezviongorori, izvo veterans vanowanzofanira kuvhara mumapato avo. Veterans vanofanirwawo kubhadhara mari yeAV Inobhadhara mari, iyo inokweretesa mari imwe neimwe inobatsira kubhadhara mari yeView Loan Guaranty Program. Nguva dzose mauto uye nhengo dzeReerves uye National Guard vanobhadhara mitero yakasiyana. Hezvino tarisai maAV Kufambisa Mari:
Nguva dzose Masoja
- 2.15% pasina chekubhadhara
- 1.50% ne 5% kana kupfuura pasi kubhadhara
- 1.25% ne 10% kana kupfuura pasi kubhadhara
Reserves uye National Guard
- 2.4% isina chekubhadhara
- 1.75% ne 5% kana kupfuura pasi kubhadhara
- 1.50% ine 10 muzana kana kupfuura pasi kubhadhara
Nekubhadhara mari yemari, kubhadhara mari ndeye 2.15% yekugara muchiuto uye 2.4% yeRe Reserves uye National Guard.
Kunyange zvazvo veterans vachibhadhara mari yeAIDS yekubhadhara mari, vanogona kuifambisa mumutengo wechikwereti.
Sei ndaisasarudza kushandiswa kweAV?
VA zvikwereti zvakagadzira kusiyana kwehupenyu hwemamiriyoni evanhu veterans. Vanobvumira vashandi vakakodzera uye vashandi vanoita basa-vane mitero yakaderera uye vashoma-kupfuura-vakakwana zvikwereti kuva vadzidzisi veimba, asi vangave vasiri vekare vose.
Avo vanouya patafura nehuwandu hwemari uye mari inochengeterwa mari vanogona kuwana chikwata chakanaka chekufarira nezvikwereti zvekare, asi izvi hazvirevi huwandu hweVAva kukwereta. VA zvikwereti zvinogonawo kuchinja kune vamwe vatengesi, avo vangada kubhadhara mari yekuvhara mari yekuwedzera kana kuti kugadzirisa zvimwe.
VA zvikwereti zvinewo mamwe masangano ekutengesa seanonoka uye akaoma kuita. Iri sangano rakanyanya kururamiswa uye rinobudirira nhasi kudarika raive mumakore akapfuura. Muzviitiko zvizhinji, chikwereti cheV VA chichava chakakosha zvakakwana kune munhu anokwanisa kutora, mushandi webasa kana mudzimai.
Hapana imwe chikwereti chinogadzirwa chinogona kufanana nezvinobatsira uye kutenga simba.