Muverengi anobvunza kuti: "Tinogona here kutora chikwereti kutenga imba kana tapa bhizinesi chiito-in-nzvimbo chekudzivirira? Ndine kuvhiringidzika panguva yekumirira.Ndingadi kushandisa zvishoma pamusika wezuva ranhasi, asi bhangi rangu akati ini ndinofanira kumirira kwemakore matatu uye ini ndataura kune zvakasiyana-siyana zvekutengesa chikwereti, uye mumwe anoti izvi uye mumwe anoti izvi.Ungatibatsira here kuti tiwane imba zvakare mushure mekufananidzira? "
Mhinduro: Zvakanaka nguva iyo mubvunzo iwoyo maererano nenguva yekumirira kutenga imba mushure mokurasika imba yako iripo. Nguva yako yakanaka nokuti nguva yekumirira kune zvikwereti zvekare - nguva yekusangana pakati penguva iyo kufambisa kwapera uye apo mutengi achitenga imwe imba - yakashanduka. Nokudaro, tinotarisa kuna Fannie Mae.
Chii Fannie Mae?
Nhengo iyo inobata simba guru munharaunda inowanzochengetwa misika yemabhizimisi ndeye Fannie Mae. Fannie Mae ndiye mukuru weAmerica kutenga chikwereti chemari, chinzvimbo chehurumende, chinotenga chikwereti chemari chechipiri chekutengesa misika . Nemhaka yokuti Fannie Mae aizotanga nemapurisa kumashure kana vakweretesa vasipo, Fannie Mae ane hanya zvikuru pakurongedza mitemo yakanyanyisa yekuderedza mukana kune akakwereta achaenda mukufananirwa.
Fannie Mae akadzokorora mitemo yayo uye ikozvino anotaura nguva dzakasiyana dzokumirira zvichienderana nehuwandu hwekufananidzira .
Uyezve, kana iwe wakanyora zvinyorwa zvisinganzwisisiki, izvi zvichange zvakabatana zvakananga nhamba yemakore iwe uchafanira kumirira kuti uwane chikwereti chairo.
Chii Chinonyorwa Kuwedzerwa Mamiriro Ezvinhu?
Fannie Mae anobvumira zviitiko zvakanyanyisa zvakadai se:
- Rufu (kwete yako, zvirokwazvo)
- Kurwara
- Job Transfer
- Njodzi Inogutsa Mukukuvadza Kwakanyanya
Kazhinji, kuparadzanisa mamiriro ezvinhu zvinhu zvinoitika kunze kwekugadzirisa kwako, izvo zvinoita kuti uwedzere kukwanisa kubhadhara mari yako.
Nezvinyorwa zvakanyatsotaridzika mamiriro ezvinhu, nguva yekumirira iri pasi pekunze. Ndine urombo kutaura kuti kushaya kukwanisa kuwedzera kubhadhara pamusana pekuda kwechikwata kuwedzera paunenge uchigadzirisa-kutora chikwereti hazvifungidziri mamiriro kunze kwekutonga kwako.
Kumirira Nguva Yokutenga Mushure mekufanirwa mberi
- Kutenga Mushure mekufananidzira
Nguva yekumirira iri makore mashanu kusvika kumakore manomwe.
- Kutenga Mushure mekutsvaga Kwekufananidzira Nokuwedzera Kwemamiriro Ezvinhu
Nguva yekumirira ndeye makore matatu kusvika kumakore manomwe.
- Kutenga Mushure mekunge Chiito-mu-Lieu Chokufananidzira
Nguva yekumirira iri makore mana kusvikira makore manomwe.
- Kutenga Pashure Pebasa-mu-Lieu rekufananidzira nekuwedzera kwezvinhu
Nguva yekumirira iri makore maviri kusvika kumakore manomwe.
- Kutenga Mushure Mokutengesa Pfupi
Nguva yekumirira inenge iri makore maviri kusvika ku5. Mamwe mashomanana emakwereti anokweretesa ari kukwereta ne20% pasi uye pasina nguva yekumirira. Uyezve, kana mutengesi asina chekubhadhara mazuva makumi matanhatu, Fannie Mae anoti mutengesi anogona kutengesa imwe imba pakarepo asi hapana wevakakweretesa zvikuru achabhadhara chikwereti chakadaro, saka inenge yakanganisa. FHA inoti makore matatu, asi vatengi vanofanira kutumbuka kuburikidza nemakumbo akawanda. Ndanzwa nezvezviitiko zvakasiyana-siyana makore mazhinji akapfuura mitemo isati yachinja zvakare iyo mutengesi akatamira kune imwe nzvimbo yekutengesa basa uye akatamira kune imwe nzvimbo yakakwana kuti akwanise kutenga kamwe pamba mushure mekutengeswa kwechidimbu . FHA inewo chirongwa chekuti kana uyo akakwereta aive iye zvino uye asingatauri, inobvumira chikwereti pakarepo.
Zvisinei, kuti upindure mubvunzo wako chaiwo, kana iwe usina mamiriro akawandisa, iwe unoda kumirira makore mana kubva pazuva rawakapedza, zvichireva zuva raunoita-mu-nzvimbo yekudzivirira rakanyorwa.
Mukuwedzera pane nguva yekumirira, dzimwe chikwereti zvinoda 10% pasi uye zvishoma nezvishoma FICO chikamu. Imba yaunotenga inofanira kuva nzvimbo yako yekugara, kwete renhe kana imba yezororo.
Fannie Mae anogara achitaura zvitsva. Aya mazano ari pamusoro apa anoshanda kune zvikwereti zvikwereti zvinotumirwa mushure meAugust 1, 2008, zvakadzokororwa 2017.
Zvimwe zvikwereti zvishomanana zvakazadzwa kuburikidza neHAFA purogiramu isati yasati yaiswa isina kubhadhara inogona kubvumira kutengesa pfupi kunyoreswa sekubhadharwa zvakakwana, izvo zvichaita kuti zvive zvakajeka kukodzera kune imwe imba shure kwekutengeswa pfupi. Uyezve, dzimwe mabhizimusi ega ega achaita chikwereti chekweretheni chikwereti zuva mushure mekutengeswa kwenguva pfupi kwapera, kupa vakweretwa zvikodzero.
Bvunzai vhidhiyo yako shoma kuti uwane mamwe mashoko. Iva nechokwadi kuti uwane prequalified kuburikidza nemukurumbira wakakweretesa wemunharaunda.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.