FHA 203k Basics
Dzimwe dzimba dziri pedyo zvakakwana - nzvimbo yacho yakanaka, uye nzvimbo yacho inogona, asi kunatsiridza kunokosha kunofanira kuitwa.
Pasina kugadziriswa, imba inogona kunge isina kukodzera kurarama, uye vanokweretesa vangave vasingadi kubhadhara zvikwereti pane imwe nzvimbo ine matambudziko.
FHA 203k inoita kuti zvive nyore kuti iwe udzore iyo pfuma mumusha (uye kuti uwane iyo pfuma kubva pamusika uye uite kuti ive chikamu chinokosha chemugari zvakare).
Mari yekugadzirisa uye kutenga: Unogona kukwereta zvakakwana kuita kuti kutenga kwako kuwedzere zvakakwana kuita zvigadziriswa zvinodiwa. Nemhaka yokuti Federal Housing Authority (FHA) inobatanidzwa, vateresi vanoda kuenderera mberi neimba iyo vangave isingaiti.
Dzimba dzenguva duku: Kunze kwekuti iwe uchida kugara mune imwe nzvimbo yekuvaka, iwe uchada mari yekugadzirisa dzimwe dzimba. Mune zvimwe zviitiko, unogona kubhadhara chikwereti kuti uvhare renti kana kuti iwe uripo zvekutengesa kwemwedzi mitanhatu.
Kubvunzurudza kweprojekiti : Basa rako rinofanira kupera mumwedzi mitanhatu. Mari inoshandiswa munyaya yekukwira uye yakabhadharwa kuvakonji sezvo basa rapera.
Zvakakosha kushanda nevakambani vekutendeseka avo vasingadziviriri uye vanoziva nehuwandu hwekuita 203k.
Kukodzera: Mumiririri / vashandi nevasangano vasina ruzivo vanogona kushandisa FHA 203k, asi kwete varairi. Purogiramu yacho yakagadzirirwa imwe kusvika kune ina mudzimba wezvinhu, asi condo uye vagari vemataundi vanogona kushandisa purogiramu yemapurogiramu epamberi.
Iwe haunoda chikwereti chakanaka - nokuti FHA inodzivirira vateresi kana iwe usina kukwana, zviri nyore kuti uwane. Iwe uchiri kuda mari yakakwana yekuvhara zvikwereti. Zvakanakisisa kuti uve nechikwereti chekuwana mari iri nani kupfuura 31/43, asi iwe unogona kukwira kumusoro.
Zvichienderana nerudzi rwekuvandudza kwawakaronga, mamwe marudzi ehukwereti angave akakodzera. Kune mapurogiramu akachengetedzwa kwezvakatipoteredza (kufanana nekuvandudza kune mamwe magetsi ane simba uye kutonhorera) chirongwa chePACE chinogona kupa mari . PACE inowanika kune zvekutengesa zvinhu zvakare.
Mashoko Okukweretesa
Unofanira kukwereta mari inosvika $ 5,000, uye kune marefu emiganhu inogadzirirwa neFHA iyo inofananidzwa nenzvimbo. Kune vanhu vakawanda vanotenga imba imwe chete-yemhuri isingasviki, iwe uchawira mukati memiganhu iyi. Pamitambo maduku, Limited FHA 203k (yaimbova pasi pezita rinonzi Kuronga 203k) inokubvumira kukwereta zvishoma nehurongwa huri nyore.
Iwe unogona kukwereta zvakakwana kuti uwane mari ye10 muzana yeimba inofanirwa kukosha pashure pokuvandudzwa. Vaongorori vanozoongorora zvirongwa zvako uye kutora kukosha kwemuzinda wako mukufunga.
Mutengo wekuda: Inharaunda inofarira ichasiyana, zvichienderana nemitengo muzhinji uye yako chikwereti. Tarisira kubhadhara chiyero chiri 1 muzana kana chakakwirira kudarika iwe waizobhadhara pane chikwereti chakazara.
Funga nezveizvi semari yekubvumirwa nyore (kana kubhadhara zvose zvako kutenga nekuvandudza zvikwereti kune imwe). Uyezve, vateresi vanoda kuita basa rakawedzerwa kutevera kufambira mberi kwepurojekiti yenyu uye kushandisa mubhadharo. Panguva imwecheteyo, chikwereti ichichengetedzwa neFHA, saka vanokweretesa vanogona kupa chidimbu chepasi kupfuura iwe unogona kuenda kune imwe nzvimbo. Enzanisa zvipo uye uwane chikwereti chinoshanda zvakanaka kwauri. 203k chikwereti chinogona kunge chakagadziriswa-chiyero kana kushandiswa kwemitengo yezvikwereti nemari yekubhadhara kusvika makore makumi matatu.
Kubhadhara kuripo: Nekwereti 203k, kufanana nezvimwe zvikwereti zveFHA, unogona kubhadhara zvishoma ne3,5% kumusoro. Asi pane zvikonzero zvakanaka zvekubhadhara chikwereti chikuru apo iwe unogona.
Contractor na DIY
203k chikwereti chinokupa mukana wekuvandudza zvikuru imba yako. Iwe unotofanirawo kuita zvinhu zvinonyanya kukoshesa kwauri: kana iwe uchida kushandisa magetsi kana magetsi-mashizha anoshandiswa uye zvinhu, iwe wakasununguka kuita saizvozvo.
Iwe haugoni kubhadhara zvinhu zvinokudzwa kuburikidza ne203k, asi iwe unogona kuita shanduko inoshamisa.
Zvinosuruvarisa, iwe hawanzobvumirwi kuita basa rako pachako. Kunyangwe iwe uri muchengeti ane unyanzvi, ane mvumo, usatarisira kubata basa rose.
Iwe unofanirwa kushandisa makambani akarairirwa kubasa rose, uye zvakakosha kuti vazive kuti uri kushandisa 203k. Izvi zvinogona kutonga kunze kwevamwe vanhu vawakashandisa munguva yakapfuura uye wakagadzira ukama naye. Nzira ye203k ndeyemapepa uye nekutevera mitemo yakati, saka shingairira kuti muve norusununguko ruduku kudarika iwe waungambofunga kana uchigadzirisa imba yako.
Kana iwe uri murima achitarisira kuvhara dzimba, pane zvingasarudzwa zviri nani, kusanganisira mari kubva kune vateresi .
Pros uye Cons
203k zvikwereti zvakakosha pakuvandudza pfuma yaunotarisira kurarama. Zvisinei, zvikomborero hazvisvike pasina.
Mariro: FHA 203k zvikwereti zvingave kana kuti zvingasava yako yakakosha kusarudzwa. Iwe uchabhadhara mberi-mortgage inshuwalimi premium (MIP), uye iwe uchabhadharawo mari shoma inopfuurira yebhadharo rega roga roga roga. Mutero wako anogonawo kutora ' supplemental origination fee ' (mukuru we5,5 muzana kana $ 350). Vamwe vasiri vasiri 203k vachabhadhara mari, saka unoda kuwana zvinyorwa kubva kune zvimwe zvinhu (unotarisa mhando dzakasiyana-siyana dzezvikwereti) usati waita chisarudzo.
Zvinyorwa: Izvi zvikwereti zvinonyanya kuzivikanwa pamapepa. Iwe uchazadza maitiro mazhinji, uye makorikari ako anozviisawo kune zvimwe zvekutambudzika uku. Kana iwe uine kushivirira kwekutevera pane zvose, funga zvimwe zvingasarudzwa.
Nguva: Mukuwedzera pane nguva inotora kugadzirisa mapepa, unofanira kutarisira mhinduro kubva kune FHA uye yako chikwereti. Vane zvizhinji (kana zvimwe) mapepa kuti vaite pakuguma kwavo. Kunyanya kana uri kuedza kutenga imwe nzvimbo mumakwikwi emakwikwi, izvi zvinogona kuva mutengesi.
Zvinotarisirwa zvinodiwa: Unogona kunge uine humwe hunovandudzwa mupfungwa, asi FHA inodawo kuti uite nehutano nekuchengeteka uye unosangana nemataiti ese ekuvakwa. Kutora pepa, matambudziko emagetsi, nezvimwe zvinhu zvinogona kuwedzerwa kune purojekiti yako kuronga zvisingafungiri. Kutarisana nematambudziko iwayo zvichida pfungwa yakanaka chero zvakadaro, asi iwe unenge usina kusarudzwa pane nguva uye kuti ungagadzirisa sei matambudziko iwayo.