Vakapukunyuka mukudengenyeka kwechikwereti, mapurogiramu aya anopa basa rinokosha pakukurudzira misika yemaguta emunharaunda.
Kubvira pasi kubhadhara rubatsiro kune chikwereti chechipiri chisingabatsiri uye zvimwe zvikwereti zvakakosha zvekubhadhara mari, kune huwandu huri kukura hwezvingasarudzwa huchava kumba vatengi.
Iko kunosanganisira avo vanoda kutenga imba vasingatore zvinhu zvavo zvose uye avo vasina zvinhu izvozvo pakutanga.
Vatengi vanogona kuwana mari yakawanda kusvika 120 muzana kusvika 140 muzana yenharaunda yemunharaunda uye vanoramba vachikodzera mamwe mapurogiramu ekubatsira rubatsiro pasi.
Semuenzaniso, mutengi anogara kuAre Orange County, Calif., Anogona kuwana mari inosvika $ 98,000 pagore uye anokodzera kubhadhara kusvika 5 kubva muzana yemutengo wekutenga wemba, maererano nezvinodiwa kune imwe yenharaunda dzekubatsira kubhadhara mari muhurumende.
Ndeapi marudzi ekubhadhara kubhadhara aripo
Kubhadhara rubatsiro rwekubhadhara kunouya nenzira dzakawanda, asi zvinowanzoitika ndezvi:
Community Grants
State Housing Agencies
Local Housing Agencies
Lender Specific Community Reinvestment Act Zvirongwa
Fannie Mae
Freddie Mac
Federal Housing Administration
Iko kune zvimwe zvinyorwa pane zvataurwa pamusoro apa, asi izvi zvinomiririra huwandu hwemapurogiramu akawanikwa uye inzvimbo yakanaka yekutanga tsvakurudzo yako.
Iwe unokodzera sei rubatsiro rwekubhadhara kubhadhara
Kunyange zvazvo zvirongwa zvepurogiramu zvakasiyana kubva pane zvakagadzirwa kusvika kune zvakagadzirwa, mamwe emitemo yakazara yakanyorwa pasi apa. Nyaya yacho haisi yose-inosanganisira uye zvose izvi zvinoregererwa hazvingashandisi purogiramu imwechete yekubhadhara mari mune dzimwe nguva.
Heano maitiro anozivikanwa:
Iva wekutanga kugadzirisa musha. Iva nechokwadi uye unzwisise tsanangudzo ye "mukana wokutanga weimba" zvakare.
Kubata pfuma iyo sevanonyanya kugara, vasingagari vashandi-vakwereta havawanzobvumirwi
Zvose zvekudzidzisa mazano emudzidzisi uye kuwana chidziro chekupedzisa kuburikidza nesangano rakakodzera rekupa mazano kumusha.
Garai zvinodiwa nemunhu anotengesa chikwereti uye mortgage insurer / guarantor
Mari yako inofanirwa kuwira mukati memutengo wemari yekuwana.
Imba yaunoda kutenga inofanira kuwira mukati memiganhu yemutengo wemusha.
Iwe haufaniri kuva neimba mumakore matatu apfuura.
Iwe unofanirwa kugara mumusha waunotenga.
Zvakare, zvose izvi zvinodiwa zvingasave zvichishanda purogiramu yako yaunoda. Vakawanda vavo vachave vachiziva uye vagadzirira kugutsikana kana zvichidiwa.
Iwe unofanirwa kutora kirasi yemudzidzi wemudzidzi
Mudzidzisi wekumba kumba inokosha kune kubudirira uye mufaro wemwene weimba. Zvinonyatsokurudzirwa kuti vose vanotenga pamba pamba vanowana dzidzo.
Kunyange zvazvo zvisingadikanwi kune mapurogiramu ose ekubhadhara kubhadhara, haambotambudziki kugadzirira uye nguva dzose iri pfungwa yakanaka kutanga matanho ako nemudzidzi wemudzidzi wemari.
Ndinotora sei dzidzo iyi?
ONLINE: kune huwandu hunogamuchirwa dzidzo yepamutambo yekuIndaneti
IN-PERSON: chiso nechiso Murevereri Dzidzo kuburikidza nemuvakidzani Works America kana chero HUD-Approved Housing Counseling Agency
Ndokupi kwaungagona kuwana runyorwa rwemapurogiramu ekubhadhara kubhadhara
Chero kutsvaga kutsvaga rubatsiro rwekubhadhara rubatsiro runofanira kutanga nehurumende yehurumende yehurumende. Vanopa zvakawanda zveDPA ruzivo nemapurogiramu.
Dare rekugara rako rekugara, katare uye / kana guta, zvakare rakakosha. Izvi zvinonyanya kuitika kumapurogiramu emagariro emunharaunda anogona kuwanzopa zvakanakisisa kushandiswa kwevanhu vanoita sevanotora purogiramu vanobhadhara mari.
HUD inewo humwe ruzivo rwehutano huri pasi purogiramu yemubhadharo inobhadhara inoshanda neFHA mortgage loan.
Nehemiya Community Foundation yakanyora imwe yeAll Payment Assistance Programs databases inowanikwa munyika kuti ibatsire kuderedza zvipingamupinyi zveimba yako.
Dhiyabhorosi iyi inosanganisira purogiramu yekutanga yekugadzirisa musha uye mapurogiramu ekubatsira.
Pakupedzisira, zvakadaro, iwe unotora chikwereti chikwereti chichava chekupedzisira. Havasi vese vanokweretesa vanopa mapurogiramu ose saka zvakakosha iwe kutarisa nemukuru wako wechikwereti kutanga kuti ave nechokwadi chokuti vanogona kukubatsira nehurongwa hwekubatsira kubhadhara kubhadhara iwe waunotarisira kutevera.