Kuenzanisa Combos kuMutero ne Private Private Mortgage (PMI)

2007 Mutero Wemitero Unogadzira Mortgage Inishuwarenzi Imitero Inobviswa

Kusvikira Mutungamiri Bush akaisa mutemo Mutemo Relief uye Health Care Act muna 2006 , mari yekubhadhara mari yeruzhinji yakange isina kubhadhara mutero . Kubva munaJanuary 1, 2007, vateresi vanogona kukwanisa kubhadhara zvikwereti izvozvo. Pamusoro pezvo, izvi zvinonzwika semashoko akanaka kune vatengi venguva yekutanga . Asi ndizvo here?

Imwe yevanhu vanotora chikwereti mushure mekutora zvikwereti zve piggyback , iyo inonziwo combo chikwereti, ndiyo yaibhadhara mutero inowanikwa yekubhadhara vose vanofarira kana kubhadhara chikwereti cheshuwarhu chekutenga chikwereti chakanga chisina kubhadhara mutero pachikwereti chimwe chete.

Chechipiri rubatsiro ndechokuti mari yose yekubhadhara chikwereti kazhinji iyo inowanzoperera kudarika chikwereti ne PMI.

Makomborero eCombo Anoshanda sei

Combo kana piggyback zvikwereti ndeye mari inobatanidza chikwereti chekutanga chechipiri chekutengesa (kana kana pasina kubhadhara mari). Zvimwe zvikonzero izvi zvezvikwereti zvinonakidza ndezvokuti vazhinji vatengi vemusha havana 20% yemutengo wekutenga mumari kana kuti havadi kuisa pasi 20% kutenga imba - uye kubhadhara zvikwereti zvinokonzera kudiwa kwekubhadhara PMI . Mhando dzakawanda dzekwereti yekodhi ndiyo:

• 5/15/80. Izvi zvinosanganisira kuisa pasi 5%, nekubhadhara mari yokutanga yemari ye80% yemutengo wekutenga, pamwe nechechipiri chikwereti chinosvika 15% yemutengo wekutenga.
• 10/10/80. Izvi zvinosanganisira kuisa pasi 10%, nekubhadhara mari yekutanga mari ye80% yemutengo wekutenga, pamwe nechechipiri chikwereti chinosvika 10% yemutengo wekutenga.
• 80/20. Izvi zvinosanganisira kuisa pasi zero, nekubhadhara mari yekutanga mari ye 80% yemutengo wekutenga, pamwe nechipiri chekutenga chikwereti chinenge 20% yemutengo wekutenga.

Izvo zvikwereti zvinowanikwa pachipiri chekutengesa zvakakwirira kudarika iyo yekutanga kutora chikwereti, asi dzimwe nguva kubhadhara zvizere kune zvishoma kudarika zvakabhadharwa kune imwe yekutengesa nehana yega mortgage inshuwarisi. Uyezve, sezvo chikwereti chekodhi chakasvika pachikwereti muna 2005, vatereji vakawanda vari kufunga nezvevamwe maitiro nekuda kwechinguva chiduku chechido chekuda kuchinja.

Kuenzanisa PMI uye Combo Loans

Ngatifananise vanokwereta vaviri vane zvikamu zvakafanana zveFICO zvinokwana 680. Pano ndiko kuti nhamba dzinoshanda sei:

80/20 Kubhadhara
Iti mhuri yeKlingon inotenga mari ye $ 500 000 kushandisa 80/20 mari. Imwe yekutanga yekubhadhara inenge iri pa6.25% uye inobhadhara pa $ 2,462.87 pamwedzi wekutanga uye inofarira. Chechipiri inotora chikwereti yaizove ye8,5% uye inobhadharwa pa $ 768.91 pamwedzi, guru uye chido.

Zvose zvikwereti zvekweretheni yemugovera: $ 3 232

100% ne PMI
Asi mhuri yeRomulan inotenga mari ye $ 500 000 iri kushandisa 100% mari pamwe ne PMI inshuwarisi. Imwe yekutanga yekubhadhara ingadai iriwo pa6.25% asi inokwana $ 3,079, uye inshuwarisi yePPI inowedzera imwe $ 400 kune iyo kubhadhara.

Zvose zvikwereti zvekutanga kutengesa ne PMI: $ 3 479.

Mhuri yeRomulan inofanira kumirira kwemakore maviri, uye kuwana chiongorori kuratidza 20% kuenzana, kubvisa inshuwarisi. Asi taura vaRomulans, uye kubhadhara kunodonha kusvika $ 3 079 pasina PMI. VaRomulans vaisazobhadhara zvishoma kune vaKlingons kusvikira pamwedzi 63 wechikwereti.

Nhengo dzeMutero Mutero Zvigadzirwa zveMMI / PMI

Mortgage Insurance premium (MMI) inobhadharwa neFHA, Mahara Ekugara Kwemari, uye dzimwe zvikwereti zvinowanzodiwa pachedu mortgage inshuwarisi (PMI), iyo yose inodzingwa zvichienderana nezvimwe zvikamu:

• Mutero weRus Relief uye Health Care Act huripo hwekubhadhara mutero wePMI hunoshanda kune hupfumi mushure meDecember 31, 2006. Izvi zvinoreva kuti vatenzi veimba vanogona kubvisa inshurensi yekubhadhara mari yezvikwereti zvakatorwa muna 2007. Kunyange zviri nani nyaya ndeyokuti pasi peKutenga Kwekubhadhara Chikwereti Rubatsiro Mutemo wegore ra2007, mutengo wemutero we PMI wakatambanudzwa kuburikidza negore ra2010.
• Inowanikwa kune vanhu vanyorera kudzoka pamwe chete kana kusaroora nemadhora anodarika $ 100,000 emari yakawanda yakagadziriswa (AGI), kana $ 50,000 AGI kune vanhu vakaroorana vachiisa zvakasiyana . Vanhu vakawanda vanoda kuwana mari inosvika $ 50,000 kuti vaite itemizing zviri nani pane kutora kubhadhara kwakakwana, saka izvi zvinonyanya kuvhara zvikwereti kune avo vanowana mari inopfuura $ 50,000 asi vasati vadarika $ 100,000.
• Mhuri dzinowana mari inopfuura $ 110,000 AGI haigoni kubvisa. Asi kune avo vanowana pakati pe $ 100,000 ne $ 110,000 AGI, zvikamu zvakabviswa zvinokwana 10% pa $ 1,000.

• Kubviswa kwacho kunowanikwa pakuchenesa kana chikwereti chepakutanga chikwereti hachiwedzere. Bhodha mari yako yezvikwereti mune chikwereti, uye iwe uchada kupfuura chikamu chepakutanga uye hauna kukodzera.

Nyanzvi dzinofanotaura nezvekuvandudzwa kwehuongorori hunobva pane zvinotevera:

• Iyo mortgage inshurensi yemitero inobviswa inoguma kune vanobhadhara vabhadhara.
• Urongwa hwakagamuchirwa zvakanaka nevatengi veimba.
• Iko kukwanisa kubvisa inshurensi yekubhadhara kunobatsira vamwe vatengi venguva yekutanga kutenga misha.

_{Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.}