FHA Home Loans Haisi Yakakwana
FHA Chikwereti Chikwereti
Kunyange nezvikwereti zvakakuvadza uye mari shoma yekubhadhara pasi , iwe unokwanisa kukodzera chikwereti chemusha nemutengo wakanaka wemari.
Kubhadhara kuripo: FHA zvikwereti zvinokubvumira kuisa pasi zvishoma se 3.5%. Izvi zvinokubvumira kutenga imba inodhura ine mari shoma, uye iwe unogona kuchengetedza mari yekuvandudza mapurojekiti kana zvimwe zvinangwa.
Mari yechikwereti : Vakwereta vane nhoroondo yekwereti ine dambudziko vane nguva yakaoma yekuwana mvumo nevakakokwereta. NeFHA kutsigirwa, unogona kugamuchirwa nekodzero yechikwereti .
Kuvandudza kwemba : FHA 203k chikwereti chinokubvumira kubhadhara mishonga yekuvandudza pamba uye kutenga imba panguva imwe chete. Inosanganiswa nezvimwe zvinhu zveFHA zvikwereti, vanoita zvinhu zviri nyore uye zvisingadhuri.
Zvirwere zveKushandisa FHA Loan
Paunenge uchitenga imba, kuchenjera kuongorora kana kana chikwereti cheFHA chisati chakubatsira. Tarisa pamufananidzo mukuru uye funga nezvezvinangwa zvako zvemari.
Kuderedza kubhadhara: kubhadhara kwakaderera kunogona kuva mutsvuku mutsvuku. Kuisa pasi 3.5% kunogona kuva chiratidzo chokuti iwe hausati wakanyatsogadzirisa mari, uye kutora chikwereti chemusha kunogona kuva nengozi.
Zvakakosha here kutarisa dzimba dzisingadhuri kana kuti kumirira kusvikira iwe unogona kuchengetedza chikwereti chakakura? Yeuka kuti kana ukwereta zvakanyanya, iwe unowedzera kufarira iwe (izvo zvinowanzoita kuti imba yako inodhura ).
Upfront inshurensi: kuisa pasi pasi pe20% zvinoreva kuti unofanira kubhadhara chikwereti chemari yeruzhinji , uye FHA zvikwereti zvinouya nemhando mbiri dzeinishuwa iyo iwe uchabhadhara hupenyu hwako hwechikwereti chako.
Kune mutero wepamusoro we 1.75%, uye vazhinji vakwereta vanosarudza kuvhara mari iyi mubhadharo yemari. Zvakare, iwe unowedzera chikwereti, iwe unowedzera kufarira iwe - saka iwe uri kubhadhara kupfuura 1.75% kunze kwekuti iwe unyorera cheki pakuvhara. Chikwereti chikuru chinoreva kuti iwe uchava nehomwe huru yemwedzi .
Inishuwarenzi inopfuurira: iwewo uchabhadhara (zvinowanikwa pamwedzi) mortgage inshuwarisi. Kuenderera mberi kwekutengesa inshurensi premium (MIP) mari inenge iri pakati pe 0,80% uye 1.05% yemari yako yekwereti, kunyange zvazvo inogona kuenderera pasi se 0.45% kana ukawana chikwereti cheFHA chegore gumi nemashanu. Iko mari yakawedzera inoreva kuti iwe uchabhadharira mwedzi mumwe nomumwe. Kusiyana nega private mortgage inshuwarisi, iyo inogona kubviswa kana iwe ukawana pamusoro pe20% kuenzana mumba mako, FHA inshuwarheni haigone kuregererwa (kunze kwekuti iwe wakagamuchira chikwereti chako pamberi paJune 3, 2013). Mune mamwe mazwi, iwe unofanira kubhadhara chikwereti chako kana kugadzirisa kubvisa mari iyo .
Sarudzo dzezvikwereti: zviri nani kana zvakanyanya, iwe une zvishoma zvasarudzo kana uchishandisa chikwereti cheFHA. Kune vakawanda vanokwereta, mutengo wegore wemakore gumi nemashanu kana wemakore makumi matatu (30) wakagadzirirwa chikwereti isarudzo yakakwana - saka hapana dambudziko pano. Zvisinei, pane mamwe mamiriro ezvinhu apo chido-chega chekutengesa kana chikwereti chinogadziriswa chikwereti ndechimwe chakanaka. Usangoshandisa izvo zvigadzirwa zvebhadharo rezasi - iva nechokwadi chokuti une chirongwa chikuru.
Chiremera chepfuma: kuwana mvumo yeFHA inogamuchirwa kunoda nzvimbo inosangana nemimwe mitemo. Semuenzaniso, hutano hunokosha uye kuchengetedzwa kunofanirwa kusangana. Kana uri kutsvaga chigadziri-chepamusoro, chikuru chinoshandiswa, kana zvimwe zvipfeko zvekare, FHA chikwereti hachizoshanda. Nezvimwe zvinhu zvinofamba-zvakagadzirirwa, chikwereti cheFHA chinofanira kunge chakanaka. Zvisinei, kutenga condo kunogona kunge kwakaoma: kana zvisina kukwana zviyero muimba yako muridzi wekutora (kana mamwe matambudziko anomuka), chikwereti cheFHA chingave chisingasarudzi.
Kufanirwa: FHA zvikwereti hazviwanzobvumirwi nguva dzose . Iwe uchiri kungada chikamu chiduku chekwereti, uye iwe uchada kubhadhara mari yakakwana yekudzorera chikwereti . Kuti uwane chikwereti chepasi pasi, iwe unoda chikwata cheFICO pamusoro pe580, asi iwe unogona kugamuchirwa nezvikwata zvishoma kana uri kuronga kuwedzera kubhadhara.
Mutengesi kutyisidzira: mune dzimwe mamiriro ezvinhu, chikwereti cheFHA chinogona kunge chakaipa kana uchitenga imba. Vatengesi vanoda kufarira nezvevangatengi vatengi (real estate agents vanogona kugovana mashoko aya), uye chikwereti cheFHA hachiratidzi simba. Uyezve, mutengesi angave achitya kuti zvimwe zvido zvinenge zvichiti zvishoma nezvishoma (uye zvinogona kutyisidzira) chikamu. Kana uri kutenga mumusika unotyisa, edza imwe nzira yekubhadhara.
Mimwe Mibairo Inoshandiswa
Dzimba dzekubhadhara mari (dzisina kutsigirwa neFHA) dzinogadzirisa zvizhinji zvezvinetso zviri pamusoro. Kunyange kana iwe uchifunga kuti haugoni kubvumidzwa, zvinotenga kutenga kutenga chikwereti chenguva dzose - kungoona kuti zvipi zvinowanikwa zviripo. Nezvikwereti zvinowanzoitika, iwe uchange uine mafungiro akawanda, uye iwe uchiri kukwanisa kutenga nechinguva se 5% kana 10% pasi.
Kune vakweretwa veuto, VA zvikwereti zvakakoshawo kutarisa.
Mashoko Akakosha
HUD mitemo uye zvikwereti zveFHA zvakashandura nguva dzose. Nyaya iyi inogona kunge isingaratidzi kuchinja kwezvino, uye iwe ungasarirwa pane zvinokosha zvemari. Kuti udzidze-kusvika-zveruzivo, taura zvakananga nemumiririri weHUD kana HUD-inogamuchirwa musha weimba. Kuti uwane ruzivo rwemashoko, enda kuHUD.gov.