Nokudaro, sezvo chikwata cheLLV chekukweretesa chikwereti, maitiro ekufanirwa kune mamwe maitiro ekubhadhara mari anowedzera zvakaoma. Vatengesi vanogona kutora chikwereti cheLLV chikwereti chakakwirira kuti vawane mari yega mortgage inshuwarisi kuti vadzivirire kubva kune mutengi asina kukwana.
Kuverenga Mari-Ku-Kukosha Ratio
Kuyera kweimba kunowanzogadziridzwa nemunhu anoongorora. Kazhinji, mabhenji achashandisa muduku wekodzero yekuongororwa uye mutengo wekutenga. Ngatitorei dzimwe nhamba kutanga, uye kurukurai kuti sei zvikwereti-kune-zvigaro zvinopindira mune chikwereti chekubhadhara chikwereti.
Kutenga Scenario # 1 - Kuongorora kunobatsira (kupfuura kutengesa mutengo)
- Purchase Price: $ 100,000
- Inoratidzwa Kukosha: $ 110,000
- Kubhadhara Kuno: $ 20,000
- Mari yechikwereti: $ 80,000
- Mari-ku-kukosha (LTV) = 80%
Kutenga Scenario # 2 - Kuongorora kunotapukira (pasi peZviko Zvakatenga)
- Purchase Price: $ 100,000
- Yakanzwisiswa Kukosha: $ 90,000
- Kubhadhara Kuno: $ 20,000
- Mari yechikwereti: $ 80,000
- Mari-to-value (LTV) = 89%
Refinance Mamiriro ezvinhu # 1 (akaenzana, asina 2 mortgage)
- Imba inokosha: $ 100,000
- Mari yekuenzanisa: $ 80,000
- Equity: $ 20,000
- Mari-ku-kukosha kana LTV = 80%
Refinance Chiitiko # 2 (multiple mortgage liens, kusanganisira 2nd mortgage)
- Imba inokosha: $ 100,000
- Mari yekuenzanisa: $ 80,000
- Chikwereti chechipiri chechikwereti: $ 10 000
- Equity: $ 10,000
- Mari-ku-kukosha kana LTV = 90%
Pasinei nokuti uri kutenga kana kubatsiridza, chikwereti chako-kukosha-kukosha chakakosha nokuti inobatsira kuongorora yako mortgage rate uye kukweretesa kwako kukwereta.
High-LTV Mari Mizhinji
Chikwereti-ku-kukosha chinhu chinokosha mukukwanisa kwako kubvumidzwa kune chikwereti. Muzhinji, vateresi vanosarudza zvikwereti nechepasi LTV nokuti zvikwereti nechepasi LTV zvinomirira ngozi shoma kubhengi. Izvozvo zvakati, kune zvikwereti zvezvikwereti zvakawanda zvakatarisa zvakananga kuvimba veimba vane LTV yakakwirira. Iko kune zvimwe zvirongwa zvinorega kubhadhara chikwereti-ku-kukosha zvachose. Heino chiitiko chechidimbu chekunowirirana kwepamusoro-LTV chikwereti marudzi.
VA Kwereta: 100% Kwereti-ku-Kukosha
VA zvikwereti zvikwereti zvakavimbiswa neU.S. Department of Veterans Affairs. VA mirayiridzo yezvikwereti inobvumira 100% LTV, izvo zvinoreva kuti hapana kubhadharwa kunodiwa kune vazhinji VA vakwereta. Nguva dzose chengeta nemutengi wako kutanga kuti uone kuti VA inokodzera ichiripo panzvimbo 100% yekubhadhara. VA zvikwereti zvinowanikwa kune vamwe varwi vanoita basa, veterans, varwi vehondo, nhengo dzeSeceded Reserve uye National Guard, mauto ehondo neDhipatimendi reVashandi.
USDA Chikwereti: 100% Kwereti-ku-Kukosha
USDA chikwereti zvikwereti zvinotsigirwa neU.S. Department of Agriculture. USDA chikwereti chinopa 100% LTV - hapana kubhadhara kuripo kunodiwa.
USDA zvikwereti dzimwe nguva zvinozivikanwa seRural Housing Loans, asi mamwe maguta emadhorobha mumaduku maduku kana kumativi ari kure kwemasvingo anokwanisawo kukodzera. Tarisa nemutengi wako.
FHA Mortgages: 96.5% Mvumo-ku-Kukosha
FHA rekutengesa mitemo inoda kubhadhara chikwereti chinenge kusvika 3.5 kubva muzana. Kusiyana neAV uye USDA chikwereti, FHA zvikwereti hazvirevi nehondo kana nzvimbo - hapana hunodiwa hunodiwa uye iwe haUNOFANIRA kuva mushadzi wekutanga. Kana iwe muvhareji chikwereti, zvinhu zvishoma kana kuti uchangotanga pabasa rako, FHA chikwereti inogona kuva yakanakisisa nzira yako.
Fannie Mae & Freddie Mac Loans: 95% Mvumo-ku-kukosha (97% inobvira)
Zvikwereti zvinowanzoratidzwa zvikwereti zvinotsigirwa naFannie Mae kana Freddie Mac. Mapoka maviri aya anopa matanho ekutenga matenga 97%, izvo zvinoreva kuti iwe uchadikanwa kubhadhara chikwereti che3% kuti uwane.
Zvisinei, zvikamu makumi mashanu nezviviri zviduku kana zviduku-chikwereti-kune-zvinokosha zvakanyanya. Kana ichienzaniswa nechikwereti cheFHA, mari inowirirana inowirirwe inopa varidzi veimba vakasimba, yakagadzirwa chikwereti chikoro.
"Hapana Kuongorora" Refinance Programs
Varidzi vepamba vanotarisa kuti vawane mari pavanotora chikwereti vanofanira kunzwisisa kuti chikwereti-ku-kukosha chinouya sei. Chikwereti chepamusoro-ku-kukosha kubva pachikwata chepasi pane chinotarisirwa chinogona kukonzera mari yako nokukurumidza.
Izvozvo zvakati, maitiro akawanda "hapana kuongorora" mapurogiramu ekugadzirisa anowanikwa kuti asarudze varidzi vemba. Haisi kungoti kushayikwa kwekuongororwa kunopedzisa kukurudzirwa kwekunyorera, uye kunoitawo kuti chikwereti-ku-kukosha chisina basa kune avo vanokwereta. Zvishoma zvezvirongwa izvi zvinoratidzwa pasi apa.
FHA Streamline Refinance
IFHA Streamline Refinance ihurongwa hunokosha hwekugadzirisa hunoitwa hunowanika kune vimba vepamba vane zvikwereti zveFHA zviripo. Nhungamiro yepamutemo yeFHA Streamline Refinance yeive yekuongorora, izvo zvinoreva kuti zvikwereti zvine LTU zvisingaverengeki zvinobvumidzwa.
VA Kuronga Refinance
The VA Streamline Refinance iyi chirongwa chakakosha chekugadzirisa vashandi veimba neveViyo vashandi vepamba pamba. Zita rehurumende yeVAR Streamline Refinance ndiyo Inhare Inoshandiswa Kuderedza Refinance Loan (IRRRL). Zvakafanana neFHA Streamline, iyo VA Streamline Refinance hairevi kuongororwa, uye hairevi kuongorora kwekuwana mari, basa kana chikwereti kune vakawanda vanokwereta.
USDA Streamline Refinance
IA USDA Streamline Refinance inowanikwa kune vimba vepamba vane USDA inochengetwa mabheji chete. Kufanana neFHA neAV inoruramisa mapurogiramu, kuderedzwa kweD USDA kunosiya kukosha kwekuongorora kweimba. Purogiramu iyi iri munhandare yekufambisa uye inowanika mune 19 dzinotaura.