Mune zvimwe zviitiko, hurumende haina kukweretesa mari zvakananga. Pane kudaro, zvikwereti zvinopiwa nevakweretesi (semabhangi nemakambani emari) uye vanotsigirwa nehurumende yeUnited States: hurumende inopikira kubhadhara kana iwe, wakwereta, ukundikana kuita kudaro. Chivimbiso ichocho chinoderedza ngozi kune vanokweretesa uye inoita kuti vave vakagadzirira kupa chikwereti pamatunhu akanaka, uye ivo vanodawo kukweretesa mumamiriro ezvinhu apo iwe ungasadaro usina kukodzera chikwereti.
Kune marudzi akasiyana-siyana ehokodhi inowanika, uye mapurogiramu matsva anowanzouya mukupindura zviitiko zvakadai sematambudziko emagariro nemamwe matambudziko. Mhando dzakawanda dzinokweretwa ndezvi:
- Zvikwereti zvevadzidzi
- Zvikwereti zveimba, kusanganisira njodzi uye kukweretwa kwemari kumusha
- Zvikwereti zvebhizimisi, kusanganisira mapurazi nemapurazi
Dzidzo Imari
Kana uchida rubatsiro kubhadhara kuchikoro, federal student loans (pasi pePurogiramu Yakarongeka) zvinogona kunge zvakakosha. Zviri nyore kuti zvikwanisike, ivo vane makwikwi emitengo, uye vanopa kuchinja kana iwe uchikwira netsoka dzako (uye kana iwe uchinge warova pane imwe nguva kukurumidza kumira muhupenyu). Semuenzaniso, munguva dzekushaya basa, unogona kukwidza mari yako yekwereti kwekanguva . Iwe unogonawo kuderedza chikwereti chako chaidiwa kuti uite mari yacho (inopa mari yako yepamusoro).
Zvirongwa zvekukwereta zvinowanzoti:
- Perkins Loans - chisarudzo chekutanga chevadzidzi, kunyange zvazvo iwe usingafananidzi
- Stafford Loans - zviri nyore kukodzera. Kufarira kunogona kubatsirwe.
- PLUS Mari - vabereki vanogona kukwereta mari yakawanda - asi izvi zvinoreva kuti vabereki vachafanira kudzorera
Kana ukwereta dzidzo, inowanzotora chikwereti chakakosha kubhadhara zvakanyanya sezvaunokwanisa kubva kumapurogiramu ehurumende usati waenda kune vateresi .
Vanokweretesa vari voga vanogonawo kugovera chikwereti-chakanakidza zvinhu, asi ivo havasi zvipo zvikuru kupfuura zvikwereti zvehurumende. Vanowanzova nemitengo yakasiyana-siyana, uye zvakaoma kuti vakwanise kuwana (iwe unoda zvakanaka chikwereti kana mutsigiri ).
Mari yeHurumende yeHurumende
Hurumende yehurumende inokurudzira kumusha pamba. Pano pane chokwadi nharo pamusoro penyaya iyi, asi kururamiswa ndeyekuti varidzi vepamba vane mukana wekuvaka kuenzana mudzimba dzavo nekuvandudza mararamiro avo ehupenyu. Ivo vanobatanidzwa munharaunda, vanofungisisa nezvezvinhu zvavo, uye vanonakidzwa nepfungwa yekudzora nzvimbo yavo yekugara.
Mavambo-Time Homebuyer Programs
Vanobatsira vanhu kupinda mumba mavo. Izvi zvinogona kupiwa kuburikidza nemapurogiramu ehurumende kana emunharaunda, uye dzimwe sangano risina purofiti. Zvinyorwa zvinowanzobatanidza rubatsiro rwekubhadhara kana kubhadhara mari inowanikwa. Zvisinei, mapurogiramu aya haasi akasununguka-kune-ose. Vanokwereta vanowanzovharirwa kune mamwe mabhadharo emari, uye pane pangava nemiganhu yekuti iwe unogona kubatsirwa sei nekuwedzera kwekukosha kweimba yako.
FHA Loan
Icho chiri pakati pezvisarudzo zvakakurumbira kune vakwereta vanoda kutora chikwereti chiduku. Iwe unogona kuisa pasi zvishomanana ne3,5%, uye zviri nyore kushandisa zvipo uye kubvumira kuti zvivhare mari yekuvhara.
Zvisinei, iwe unofanirwa kubhadhara imwe yero yerurimi yehushuga uye kupfuura nguva yakawedzerwa yenguva iyo inogona kushanda kunze kwako. Verenga zvakawanda pamusoro pekuti FHA chikwereti chinoshanda sei .
Refinancing Programs
Dambudziko rekutora chikwereti chiri shure kwedu, asi vamwe vasati vatorazve. Zvimwe, nzvimbo dzenharaunda dzinogonawo kuderedza kukosha kwemusha. Kana iwe usingakwanise kugadzirisa (nokuti uri pasi pemvura, somuenzaniso), kune huri huwandu hutsika hwekubhadhara mari huripo .
Zvimwe Zvirongwa
Mamwe mapurogiramu mashoma anonyanya-akakurumbira anotsigirwa nehurumende kana masangano ehurumende. Somuenzaniso, VA zvikwereti zvinowanikwa kune vashandi uye veterans, uye USDA chikwereti chinopa 100% mari yekubhadhara kune vamwe vateresi kumaruwa.
Kuvandudza Kumba uye Kugadzirisa
Kana iwe uine imba inoda kugadziriswa (kana iwe uri kutenga imwe), hurumende inoda kubatsira kuita imba yako nenharaunda ive yakachena, yakachengeteka, yakanyatsotarisa nzvimbo.
FHA 203 (k) zvikwereti zvinopa mari yekutenga kana kugadziriswa kwemusha. Mushure mematambudziko, US Small Business Administration (SBA) inopa mari yekugadzirisa nzvimbo yako yekugara uye inotora zvimwe zvinhu. Kunyange zvazvo iri chikwereti cheSBA, haufaniri kuva nebhizimisi.
Mukuwedzera kune zvikwereti zvinotsigira, hurumende inopa zvirongwa zvingakubatsira kuderedza mari yaunokweretesa. Vashandi vehurumende vakaita sevashandi vezvemitemo, vadzidzisi, vanodzima moto, uye EMTs vanogonawo kubatsirwa neKuvakidzani Yakanaka Inotevera Door program.
Green Projects
Hurumende dzenharaunda dzinogona kupawo mapurogiramu anobatsira nehuwandu hwekugadzirisa simba. Mapurogiramu ePACE anopa mari yemishonga yakadai sekuisa kwezuva, nzvimbo yakachengetedza, nezvimwewo.
Mari Mihizimisi
Mhepo yakasimuka inotenderera zvikepe zvose: mabhizimisi maduku anoita mabasa kune vanhu vari munharaunda, uye vanogadzira mutero wemari kune hurumende dzenharaunda uye dzehurumende Kana uchida rubatsiro kutanga kana kukura kwako, shandisa mari yehurumende manyorero mapurogiramu kutanga. SBA chikwereti chinofanira kunge chiri chisarudzo chako chekutanga, uye chinowanika kune mabhengi akawanda emunharaunda uye zvikwereti zvekwereti.
Kunyange zvazvo hurumende inobatsira kuburikidza nekupikira zvikwereti, iwe unodawo kuisa ganda mumutambo. Iva akagadzirira kuita chivimbo chako pachako pane zvikwereti zvakawanda zvebhizimisi iwe zvaunokumbira.
I-SBA 7 (a) chikwereti chekambani chemabhizimisi ndiyo inonyanyozivikanwa purogiramu yembado, inopa kusvika $ 2 mamiriyoni. Zvimwe zvikwereti zvinowanikwa pamabhizimisi maduku. Kunyanya, SBA inokurudzira mapurogiramu e microloan kubatsira mashoma mabhizinesi uye zvisina maturo kuwedzera.
Mibairo Yega
Hurumende yehurumende haina kupa (kana kuvimbisa) zvikwereti zvisingabhadharwi zvikwereti . Nhepfenyuro dzehurongwa dzinowanzoshumira chinangwa chairo sekubhadhara mari yako, kutanga uye kukura bhizinesi, kana kukurudzira imba yakachengeteka uye yakachengetedzwa zvakanaka. Zvakaoma kufungidzira kuti mari inopedzerwa sei nemari yako, saka mitemo haigoni kukurudzira iyo iyo chikwereti. Nzira dzako dzakanakisisa dzekubhadhara chikwereti ndezve:
- Shanyira bhenji rekuno kana chikwereti chekoni uye shandisa mari yechikwereti
- Edzai mutengo wekodzero yemuInternet kana P2P yekukweretesa
Nemhaka yokuti hapana hurumende inogadzirisa chikwereti ichocho, unogona kuva nenguva yakaoma yekuwana chibvumirano: iwe uchada chikwereti chakanaka uye mari yakakwana kuti uwane chikwereti. Kana iwe uchinetseka kugamuchirwa, iwe unogona kutora chibvumirano kana kumbira munhu kuti atore chikwereti newe.