Kunzwisisa HUD-1 Fomu uye Kana Yakashandiswa
Mitero yakabatanidzwa nekutengesa asi yakabhadharwa kusati yavharwa yakaiswawo pane HUD. Izvo zvinowanzozivikanwa "POC," nokuda Kwekubhadhara Kunze Kwekuvhara.
Heino mushandisi unofadza weHD-1 kuti iwe unogona kudhinda nekushandisa kutevera zvinyorwa.
HUD-1 Yakashandiswa Rini?
Iyi mitemo ye Real Estate Settlement Procedures Act (RESPA) inoda kuti fomu yeHUD-1 ishandiswe seyendarama yepamusoro yekugadzirisa mafomu mukutengesa kwose muUnited States iyo inosanganisira federally related mortgage loans. Kwandinoenda, yakashandiswa kune zvese zvinotengeswa zvinosanganisira mutengi uye mutengesi, kusanganisira mari yekuvhara . Kana iwe wakakumbira kubhadhara mari kana musi waOctober 3, 2015, unofanira kunge wakagamuchira chirevo cheHUD-1. Kubva muna Gumiguru 2015, vateresi vakatanga kutambira fomu inonzi Kuvhara Kuzarura panzvimbo yeHUD-1 yezvizhinji zvekutora zvikwereti zvekutengesa semhinduro kune TILA RESPA Inoratidzirwa Kurondedzerwa kana kuti TRID chete , iyo yakanyanyisa nzira iyo mari yekutengesa inoshandiswa uye inobudiswa.
Ndekupi HUD-1 Inoshandiswa Nhasi?
IHUD-1 chirevo chekugadzirisa nzvimbo ichiri kushandiswa, zvisinei, kune zvikwereti zvekare zvekare . Aya marudzi ezvitoro anozivikanwa zvikuru nevatengesi vanopfuura makumi matanhatu nemakumi matanhatu vanoda kubudisa chikwereti. Uyewo, munguva yemakore matatu kusvika kune gumi zvichienderana nekutengeswa kwemazuva mashoma kusvika 2015, vateresi vanowanzobvunza kopi yeHUD-1 yekare kuti varatidze zuva rakapfigwa chivako.
IHUD-1 inoparidzirwa rini?
Kusati kwaOctober 3, 2015, RESPA yakataura kuti vakwereta vanofanira kupiwa kopi yeHUD-1 zuva rimwe chete risati rasvika. Muhupenyu chaiwo, zvinyorwa zvingangove zvichange zvichiri kuuya mumaawa mashomanana vasati vavhara. Vazhinji vatengi nevatengesi vakadzidza zvinyorwa ivo pachavo, pamwe nevatengesi veimba yavo, uye pamwechete nemudzidzisi wekugadzirisa. Pfungwa iyi ndeyokuti vanhu vakawanda vanozviongorora, zvinowanzoitika kuti zvikanganiso zvaizoonekwa.
Kana zvasvika kune zvose HUD-1 uye Kuzarura Kuzarura, usafungidzira kuti muvhari wekuvhara anogara ari wakarurama. Zvikanganiso zvinoitika. Ndakanga ndapinda mune imwe chete yekuvhara apo pane kukanganisa kwakawanikwa pamugumo wokupedzisira. Bvunza mibvunzo yakawanda seyakakosha kuti ikubatsire kunzwisisa zvose zvikwereti.
Pfupiso yeHUD-1 Fomu
Kuti uchinzwisise zviri nani HUD-1 chirevo chekugadzirisa, pano mutsara-nemutsara wepamusoro wezvikamu zvakakosha zvemufomu.
Chikamu L, Mutero wekugara: Mira 700-1400
Kana iwe ukanyora HUD-1, flip kuChikamu L pane peji 2. Ndiyo apo mazita akawanda anotaurwa asati ataurwa mberi peji 1. Makoroni ane zvimhosva zvinopiwa kubva kune akwereta kana mari yevatengesi. Purogiramu yako yekuvhara ingangodaro ichange isina zvinyorwa mumitsara yose.
Chikamu 700, Commiss Commissions
Ichi chikamu chinosangana nekomiti yakabhadharwa kumasangano eimba. Mitsara 701 uye 702 inoratidza kuti ma komisheni akaparadzaniswa sei pakati pezvikwata zviviri zvinobatsira.
Komisheni inowanzobhadharwa kubva kune mari yevatengesi. Zvisinei, mutengi wemutengesi uyo anotengesa kune-kutengesa-neimba-mvumo anogona kubhadharwa nemutengi wake, kwete mutengesi.
Chikamu 800, Zvinhu Zvinowanikwa Mukubatana neMari
Zvinyorwa zviri mumiganhu iyi zvinowanzobhadharwa kubva kune mari yevatengi, kunyange mune dzimwe nguva vatengesi vanobvumirana kubhadhara mari yakatarwa kubatsira mutengi pedyo.
Mutsara 801 inoratidza mari iyo mutengi anokweretwa kuti aite kana kutora chikwereti. Kana mari yacho iine chikamu chemari yemari, chikamu chacho chicharehwa.
Mutsara 802 unoshandiswa kunyora "pfungwa" dzakapiwa nemutengi. Nhamba imwe neimwe i1% yemari yemari.
Mutsara 803 unoshandiswa kunyora kuongorora mari. Iwe unogona kunge wakabhadhara mari yaunenge waita apo wakakumbira chikwereti. Kana zvakadaro, inofanira kuve yakanzi "POC," iyo inobhadharwa kunze kwekuvhara. Mari yacho yaizoratidzwa, asi yaisazobatanidzwa mumari yose yaunounza kugadzirisa.
Mutsara 804 unoshandiswa kutora mari yekodhipoti yekwereti kana isina kubatanidzwa muItangwa Fee .
Mutsara 805 unosanganisira zvikwereti zvekuongororwa zvakaitwa pakukumbira kweiye anokweretesa. Zvimwe zvipembenene zvinonyadzisa uye zvigadzirwa zvakanyorwa pane imwe nzvimbo.
Mutsara 806 ndeyekubhadharwa kwekushandira iyo inogona kudiwa neInternational Mortgage Insurance (PMI) kambani.
Mutsara 807 unongoshandiswa chete pakubhadhara chikwereti kutengesa, apo mutengi anotora mutengesi wemari yaivepo.
Mitsara 808 kusvika ku811 inoshandiswa kwezvinhu zvakasiyana-siyana zvine chokuita nekwereti, zvakadai semari inobhadharwa kune mutengesi wemari .
Chikamu 900, Zvinhu Zvinotarisirwa neMuteveri Kubhadharwa Pakutanga
Iyi mhosva inowanzobhadharwa nemutengi. Izvo zvose zvinhu izvo chikwereti chinoda, asi izvo zvisingabhadharwi nguva dzose kune chikwereti.
Mutsara 901 unoshandiswa kutora chikwereti chinounganidzwa pane kugadzirisa kwekanguva panguva yekuvhara uye yekutanga kubhadhara kwemwedzi.
Mutsara we 902 unoratidza mari yekutenga inshuwalimi inotarisirwa kugadziriswa. Escrow reserves ye mortgage inshuwarheni yakanyorwa gare gare. Kana yako mortgage inshuwarisi isiri yemari yekubhadhara yakanaka yehupenyu hwechikwereti inofanira kuonekwa.
Mutsara 903 unoshandiswa kunyora mari yemainishuwarenzi yengozi inofanirwa kuribhadharwa pakugadzirisa kuitira kuti uve neinishuwarenzi pakarepo paimba. Haisati yashandiswa kuishuwarenzi mari iyo inopinda muchechi.
Mitsara 904 ne905 ndeyezvinhu zvakasiyana-siyana, zvakadai semvura inshuwarisi , inshuwarheni yehutano , mortgage inshuwarisi yehutano nemishonga yemishuwarensi yekuremara.
Chikamu 1000, Reserves Deposited neLender
Ichi chikamu chinoshandiswa kuitemize mari yekukwereta inounganidzwa nemunhu anokweretesa kubva kune akwereta kune zvinhu zvakadai sehutachivhu nehupfumi yemitengo . Nhamba yemwedzi inotengeswa inopesana, asi kune mitsara yekukweretesa kwatengi.
Anokwereta akabhadhara mari yemari ikozvino muChitatu 900. Zvinyorwa mumitsara 1001-1007 ndezvemari inoshandiswa kutanga chikwereti chekuendesa chikwereti, kubva kune uyo anopa chikwereti achabhadhara mari yemari yegore rinotevera. Mari imwe neimwe yekubhadhara chikwereti inosanganisira chikamu chinofukidza chikamu chezvikwereti zvekare.
Mutsara 1008 ishanduko yekusimudzira inoratidzwa nenhengo yekugadzirisa kuburikidza nekufananidza maitiro akasiyana-siyana. Iyi danho nderekuti uone kuti uyo anenge ari chikwereti haasi kuzotora mari yakawanda kupfuura iyo inobvumirwa. Nhamba yacho nguva dzose zero kana nhamba isina kunaka.
Chikamu 1100, Chete Mhosva
Nhepfenyuro dzemhosva dzinosanganisira mari inobatanidza zvakananga nekudhindwa kwezita, zvakadai sezvenyaya yekuongorora musoro, kutsvakurudza kwemashoko, kugadzirirwa kwemashoko, uye mari yehurukuro yehuturo yehuturo . Zvinowanzopiwa mhosva kune mutengi.
Mari yemitemo inosanganisira mari yevashandi vevateresi uye vatengesi, uye dzimwe nguva gweta rekweretesi. Zvimwe zvinhu zvakafukidzwa mune chikamu ichi ndeyemari yekuvhara vashandi uye notari. Kana mumwe munhu achiita mabasa akawanda emari anogona kuiswa pamwe chete. Mutsara 1101 unoshandiswa kunyora mari yekugadzirisa mutengesi.
Mari yekubhadhara kana tsvakurudzo yekutsvaga uye kuongororwa inopindirwa mumiganhu 1102 uye 1103. Kana munhu mumwe chete ari kuita mabasa maviri, chikamu chemari chichapinda mumutsara 1103. Kana munhu achiita basa iri kambani yepamusoro kana gweta, mhosva yakapinda gare gare, mumitsara 1107 kana 1108.
Mutsara 1104 inoratidza mhosva yehutano binder binder (iyo inonziwo kuzvipira kuratidza). Mhosva yehurukuro yveshuwarisi mitemo inopindira gare gare.
Mutsara 1105 inonyora zvikwereti nokuda kwekugadzirira maitiro uye mabheji akadaro sebasa pamitambo yekutengesa uye manotsi.
Imari inokwidzwa nevanyori vepanhau yevheti yepamusoro ekutendesa kushandiswa kwezvinyorwa zvekugadzirisa yakaiswa mumutsara 1106.
Mutsara 1107 unotsanangura mari yemugweta.
Mutsara 1108 ndiwo mari yehurukuro yeruzhinji (kunze kwebhadharo ye binder).
Mitsara 1109 uye 1110 mune mitsara yemashoko inoratidzira mari yehurukuro yakasiyana yehutano yeruzhinji kune wakwereta uye chikwereti. (Mutsara chete 1108 unotungamirirwa mberi.)
Mitsara 1111 kusvika ku1113 inoshandiswa kuisa mamwe matanho ane chokuita nechokuita anowirirana nenzvimbo. Kupinda kunogona kusanganisira mari kune mumwe mutero wemutero wevateresi kune chikwata chemutero kana mubhadharo kumubhadharo wemutero wega wega.
Chikamu 1200, Hurongwa hweHurumende uye Mutero Wokutsvaga
Ichi chikamu chinoshandiswa kuitemize zvikwereti zvakadai sekubhadhara mari yekurekodha mabasa uye mari yekubhadhara uye mari yekutora matanho emitero.
Zvikamu 1300 & 1400, Zvimwe Zvitsotsi Zvokugadzirisa uye Nhamba
Chikamu 1300 chinoshandiswa kunyora mari yekuongorora uye kuongororwa kwezvinhu zvakadai sezvipembenene, pepa inotungamirira, uye radon. Kuongororwa kwemasimba uye kuongorora kwekutsvaira, kupinza mabomba, kana magetsi zvinogona kuiswawo. Kana imwe sangano iri kutenga waranti yeimba, mutero uchapinda muchikamu chino.
Mutsara 1400 ndeyekuti zvikwereti zvacho zvikweretwe zvakabhadharwa nemari yemutengesi uye mutengesi. Vakapindawo mune zvikamu J uye K, mitsara 103 uye 502.
Chikamu J Muchidimbu cheKutengesa Kwevatapi: Mitsara 100-303
Dzokera pane peji 1 yomufambi weHUD-1, uchawana zvikamu J uye K, izvo zvinorondedzera zvinokweretwa nemutengesi uye mutengesi.
Chikamu 100, Zvikamu Zvakawanda Kubva kuna Borrower
Mutsara 101 unotaura mutengo wakadhura wekutengesa weimba yacho.
Mhosva dzezvimwe zvivako (zvakadai semidziyo, yakashamba, yakaomeswa, midziyo yekunze kunze, uye zvinhu zvokugadzira zviri kutengwa kubva kune mutengesi) zvakanyorwa pane 102.
Mutsara 103 unoratidza mvumo yekugadzirisa zvikwereti kune akakwereta anounzwa mberi kubva kuMuganhu 1400.
Mitsara 104 uye 105 ndeyemari inokweretwa nemunhu anenge akwereta kana aimbobhadhara nemutengesi.
- Kupindira kune chikwereti kunosanganisira kuenzanisa mubhuku rekutengesa kwevatengesi kana akwereta ari kutora chikwereti .
- Anokwereta angaita kuti mutengesi ave chikamu chemari isina kuwanikwa.
Mitsara 106 kusvika 112 ndeyezvinhu izvo Mutengesi akabhadhara kare. Semuenzaniso, mutengi anofanira kudzorera mutengesi nokuda kwechikamu chake cheporated chehurumende mutero kana mutengesi achibhadhara mushumo wegore negore. Munhu mumwe nomumwe anobhadhara zvikwereti panguva iyo yaive neimba yacho.
Mutsara 120 ndiyo mari yakawanda inokonzerwa nemunhu anenge akwereta. Icho chizere cheMiganhu 101 kusvika 112.
Chikamu 200, Zvikwereti Zvibhadharwa Nayo kana Nechinangwa Chekukwereta
Izvi zvose zvinoshandiswa pamari iyo munhu akwereta achawana pakuvhara.
Mutsara 201 unopa chikwereti chikwereti chemari yakawanda yemari yakabhadharwa apo chipo chacho chakatenderwa.
Mutsara 202 ndiyo chikwereti chechikwereti chitsva, icho chiri kubhadharwa kune akwereta neaikweretesa.
Mutsara 203 unoshandiswa apo uyo anenge achikwereta ari kutora chikwereti kana kutora musoro achishandisa chikwereti chiripo kana kuti chikwata chiri paimba.
Mitsara 204 kusvika ku209 inoshandiswa kuronga zvinhu zvakasiyana-siyana zvakabhadharwa kana kuti nekuda kwechengeti. Zvinogona kusanganisira zvinhu zvakadai semari iyo mutengesi ari kuigadzirisa kana kugadzirisa zvinhu. Iyi nzvimbo inoshandiswawo apo mutengesi anogamuchira tsamba kubva kune akwereta kune chikamu chemutengo wekutenga.
Mitsara 210 kusvika 219 ndeyezvikwereti izvo mutengesi asina kubhadhara, asi anokwereta zvose kana chikamu che. Mitero uye kuongororwa zvakarongwa, asi nzvimbo yacho inogonawo kusanganisira chibharo chakaunganidzirwa mberi nemutengesi kwenguva inopfuura zuva rekugadzirisa.
Mutsara 220 ndiyo yose yezvinhu zvose muChikamu 200. Zvose zvinowanikwa kune yakakwereta.
Chikamu 300, Mari inoshandiswa pakagadzirirwa Kubva / Kubhadhara
Mutsara 301 inopfupisa yemari yose inokonzerwa nemunhu anenge akwereta.
Mutsara 302 inopfupisa yezvinhu zvose zvakatobhadhara kana kuti kune wakwereta.
Mutsara 303 ndiwo musiyano uri pakati pemitsara 301 ne302. Inowanzoratidza kuti mari yakwereta inofanira kuunza kugadzirisa sei. Inogona kuva nhamba isina kunaka, inoratidza kuti akakwereta achawana mari kumashure pakuvhara.
Chikamu K, Chidimbu cheMutengesi weMutengesi: Mitsara 400-603 Mitsara 400-603
Kune kurudyi kwechikamu J (chidimbu chekubhadhara chikwereti), uchawana chikamu K icho chinopfupisa kushandiswa kwevatengesi.
Chikamu 400 , Zviyero Zvizere Pamusana Mutengesi
Mari inowanikwa muchikamu ichi inowanikwa kune mari yevatengesi.
Mutsara 401 unotaura mutengo wakadhura wekutengesa weimba yacho.
Kupindira kwezvinhu zvako (zvinhu zvakadai sematafura, washer, dryer, midziyo yekunze neyekushongedza izvo mutengesi angave ari kutengesa kumutengi) zvakanyorwa pane 402.
Mitsara 404 ne405 ndeyeimwe yemari inokweretwa nemunhu anenge akwereta kana akambobhadhara nemutengesi, akadai se:
- Kana uyo akakwereta ari kutora chikwereti chemutengesi, iye anofanira kubhadhara mutengesi maererano nechiyero chiri mubhuku rekutengesa kwevatengesi.
- Mutengi anogona kukwereta mutengesi chikamu chezvikwereti zvisina kuwanikwa.
Mitsara 406 kusvika 412 ndeyezvinhu izvo Mutengesi akabhadhara kare. Semuenzaniso, mutengi angave achida kubhadhara mutengesi nokuda kwechikamu cheporated chekambani yemitero kana mutengesi achibhadhara mushure megore asi asiri wega pfuma panguva iyo yose gore rose.
Mutsara wechina 420 chikamu chakakwana chinobva kune mutengesi. Icho chizere cheMiganhu 401 kusvika 412.
Chikamu 500, Kuderedza muNhamba Kubva kuMutengesi
Iko mari iri muchikamu chino inodzingwa kubva kune mari yevatengesi.
Mutsara 501 unoshandiswa apo mutengesi weimba yemukana mutengesi kana imwe sangano inobata chikwereti chemari yakabhadhara uye acharipa iyo zvakananga kune mutengesi.
Mutsara 502 une chimiro chinobva kuChinyorwa 1400, mutero wevatengesi wekodzero sekuverengwa kweChikamu L.
Mutsara 503 unoshandiswa kana uyo anenge achikwereta ari kutora kana kutora musoro zvichienderana nehutano huripo hwakabviswa kubva pamutengo wekutengesa.
Mitsara 504 uye 505 ndeyepi yekutanga uye / kana yechipiri chikwereti icho chichabhadharwa sechikamu chekugadzirisa (kusanganisira mari yakawanda).
Mitsara 506 kusvika ku509 inoratidzwa semitsara isina ruzivo yezvinyorwa zvakasiyana.
Mutsara 506 inoshandiswa kunyora mari yakabhadharwa nemunhu anenge akwereta kune mutengesi kana mumwe mutambo uyo asiri mutariri wekugadzirisa. Izvi zvakasiyana zvakanyanya kupfuura kupinda mu 501. Munyaya iyi, bato rinobata mari rinoendesa iro kumushandi wekugadzirisa kuti ribvumirwe pakuvhara.
Mitsara iyi inogona kushandiswawo kunyora zvikwereti zvinowanikwa zvakanyanya kubhadharwa pakugadzirisa kushandura musoro weimba.
Mitsara 510 kusvika 519 ndeyezvikwereti izvo mutengesi asina kubhadhara, asi anokwereta zvose kana chikamu che. Mitero uye kuongororwa zvakarongwa, asi nzvimbo yacho inogonawo kusanganisira chibharo chakaunganidzirwa mberi nemutengesi kwenguva inopfuura zuva rekugadzirisa.
Mutsara we520 ndiyo yose yezvinhu zvose muChikamu 500. Zvose zvakabviswa kubva kune zvaitengesa mutengesi.
Chikamu 600, Mari inoshandiswa kugadziriswa Ku / Kubva Mukutengesa
Mitsara 601 ndiyo mari yakawanda inokonzerwa nemutengesi, kubva munharaunda 420.
Mutsara 602 unosara zvachose yekuderedza kunowanikwa mune mutengesi, kubva munharaunda 520.
Mutsara 603 ndiwo musiyano pakati pemitsara 601 uye 602. Inowanzoratidza mari inenge yabhadharwa kune mutengesi, asi zvinoita kuti mutengesi ave nemari yekuvhara. Semuenzaniso, mutengesi angave ane chikwereti pane zvimwe zvekutanga uye zvechipiri mari yekutengesa kupfuura inowanikwa muchibvumirano.
Kana iwe wakagamuchira HUD-1 sechikamu chekutengeswa kwako kweimba yako, yeuka kuti imwe yemabhuku ekuvhara aunofanira kuchengeta .
Yakarongedzwa naElizabeth Weintraub. Musha kutenga Unyanzvi paE Balance.