Pros uye Cons ye PACE Inobhadhara mari
Chii PACE?
Imba Inotaridzirwa Simba Rakachena (PACE) inzira yekukwereta mari yezvigadzirwa zvemhepo yakachena. Vadzidzisi veminda, kusanganisira vimba veimba uye mabhizinesi, vanowana mari yekuvandudza uye kudzorera kuburikidza nemitero yeimba. Kugamuchirwa kwePACE kudyidzana kunonyanya kuvakirwa kuenzana mune imwe nzvimbo iri kusimbiswa, iyo inoshandiswa sechibvumirano chekuchengetedza chikwereti, uye iwe unogona kukwereta kusvika kune 15 muzana yehuwandu hweimba.
Kushandiswa kwemaPCCE kunosanganisira kushandiswa kwezuva, kushandiswa kwemhepo kunopisa uye kunotonhora, kuchengetedza mvura kuchengetedza mvura, nemamwe mapurojekiti akawanda ekugara uye mune zvekutengesa.
PACE inongowanikwa munzvimbo umo mitemo yehurumende nemunharaunda inobvumira rudzi urwu rwekubhadhara mari, uye apo mapurogiramu emunharaunda akavakwa. Aya mapurogiramu anowanikwa nemazita akasiyana-siyana, kusanganisira iyo inowanikwa Home Energy Renovation Opportunity (HERO) program uye Ygrene.
Pfungwa dze PACE Mikopo
Aya mapurogiramu ane zvinhu zvakawanda zvinoita kuti zvifadze kune vakwereta.
Zviri nyore kukodzera: PACE kukodzera kunenge kuri nyore. Kuenzaniswa nemari yekukweretesa kumusha , iyo inowanzozivikanwa pakugadziriswa kwemhuri inodhura, mvumo yekugamuchirwa inoita seyakasununguka. Yako FICO chikwereti chikoro hachina kukosha nePACE, asi nyaya dzemazuva ano kana dzangangosvika mumakero ako emakero zvinogona kukonzera matambudziko.
Unofanirwa kunge uripo pane zvose zvekutenga mitero.
100 muzana mari yekubhadhara: PACE inokubvumira kubhadhara mari yose yeprojekti isina chido chekubhadhara pasi . Somugumisiro, unogona kutanga nokukurumidza pasina kuvharira kumapurojekiti kana kutamisa mari kumativi ose. Zvechokwadi, zvikwereti zvakakura zvinoreva mari yepamusoro yekutora uye mari yakakwirira.
Inogona kuendeswa kumunhu anotevera: Kana iwe uchitengesa imwe pfuma mushure mekuvandudza, haufaniri kubhadhara chikwereti. Mari yechikwereti ichibatanidza neimba, saka inogona kutumirwa uye kubhadharwa nemuiti anotevera. Zvichida kana kwete icho chinhu chakanaka zvichida chinotarisa kana iwe uri mutengi.
Nguva yekudzorera: Kuvandudza kunokosha kunogona kudhura. PACE zvikwereti zvinogona kubhadharwa kwenguva yakareba (makore 5-20, somuenzaniso). Somugumisiro, zvipo zvinogona kuchengetwa zvishoma. Zvisinei, sekune chikwereti chero chipi zvacho, iwe unotora nguva yakawanda kuti udzorere, iwe unowedzera kufarira iwe uchabhadhara hupenyu hwechikwereti ichocho.
Zvichida kukweretwa kwemitero: Mari yeAAPCE inogona kuita kuti zvive nyore kukodzera zvikwereti zvemitengo yezvakatipoteredza - chengetedza nevatsigiri vako vemitero usati waita chero zvisarudzo. Kana nguva inofunganya, PACE inoita kuti zvikwanisike kupedza basa risati rasvika mari yekukwereta, uye kuwana chikwereti chikuru kunokubvumira kuisa zvinhu zvose mugore rimwe chete (zvisinei nekutengesa zvinhu mumakore akawanda kutarisira mari inopera).
Zvimwe zvikwereti zvinongowanikwa chete pagore kushandiswa kwacho kwakapedzwa , saka iwe unoda kubhadhara zvose zvezvinhu izvi mugore iroro.
Matambudziko Na PACE Financing
Usati washandisa PACE mari yekuita basa rako, ziva kune dzimwe dzenharo.
Kurwisana kwekufarira: PACE mari inowanzogadziriswa kuburikidza nevakandarani vanogona kunge vane chikonzero chekusimudzira kukodha mari. Izvi zvinogona kuva chimiro chakanaka che-stop-shopping, asi makontrakta haazive nezvemari yako uye chii chaunokwanisa "kutenga" - uye iwe unogona kutenga chero chii nechikwereti chePACE. Vazhinji vanopa rubatsiro vakatendeseka, uye pakupedzisira kune vatengi vanoita sarudzo dzakanaka, asi chikamu chiduku chevatengesi vanogona kuita zvinyorwa zvinotsausa kuti vawane mari yakawanda yekubhadhara mabasa. Mukuwedzera pakubhadhara nokuda kwebasa ravanozoita, vashandi vekambani vanogona kuwana mari yekuwedzera yekubhadhara kubva kune anokweretesa kana vakaronga mari, saka izvo zvinogona kukonzera kukakavara ndezvechokwadi.
Kubhadhara kunotyisa: Kunyange kana iwe uchiripa nguva yakareba, kubhadhara zvinogona kuva mutoro. Vanhu vazhinji vanofunga maererano nemari yekubhadhara pamwedzi, asi kuongororwa kweimba kunowanzobhadharwa kamwe chete kana kaviri pagore. Iwe unogona kutarisana nemari inoshamisika kana yava nguva yekuita zvikwereti zvinokonzerwa. Mune zvimwe zviitiko (kana musha wako wekubhadhara mari inoshandisa mutero weEcce), mutero wePACE uchawedzerwa pamubhadharo wako wekubhadhara pamwedzi pamaduku maduku.
Mari inofambisa : PACE mari inenge iri nyore kuwanika. Zvisinei, chiyero chekudarika dzimwe nguva chinopfuura chaunogona kubhadhara kana ukangoshandisa musha wechikwereti kana chikwere chekwereti -kunyanya kana iwe une chikwereti chakanaka. Kuti iwe unogona here kana kuti kwete iwe unogona kuwana mutengo uri nani iwe unofunga nezvimwe zvinhu, asi PACE zvikwereti hazvirevi hazvo.
Mari nezvikwereti: Zviri nyore kugamuchirwa pamapurogiramu ePACE, asi zvakakosha here? Aya mapurogiramu anonyanya kufunga nezvevanhu vasingakwanisi kutenga zvikwereti zvisingadhuri mari (kazhinji nekuda kwezvinetso zvekwereti kana mari shoma). Zvirongwa zvakadai sokutsvaga mahwindo ako zvinogona kuwedzera kukosha kweimba yako, saka iwe unofanirwa kutenga imwe yemari iyoyo kana iwe uchitengesa. Zvisinei, iwe hausi kuzoona kuchinja kukuru kwezvinhu zvinoshandiswa nehutengi - uye iwe ucharamba uchida kukwereta mutero.
Dambudziko rekufananidzwa: PACE zvikwereti zvakachengetedzwa neimba yako, saka zvinoita kuti urasire imba yako mukugadzirisa kana iwe usingakwanisi kubhadhara. Mune zviitiko zvakawanda, chikwereti chePACE chinotanga ku "chinzvimbo chekutanga" (pamberi pekutora chikwereti chako) zvinoreva kuti iwe unotengesa kutengesa kunyange kana iwe uchiita nguva dzose kubhadhara mari yako sekubvumirana. Mimwe mhando dzezvikwereti (kunze kwekuti dzimba dzekukweretesa dzimba ) hazvifaniri kukuisa munzvimbo iyoyo.
Zvinotarisa Zvinogona Kunyengera
Njodzi dzinopfuura pamusoro hazvirevi kuti mapurogiramu ePACE akaipa. Zvisinei, zvakakosha kuziva ruzivo uye hurombo hwezvirongwa izvi usati wasayina. Zvinosuruvarisa, njodzi dzinowanzokanganwa nekuti mapurogiramu ePACE anonzwisisika kuti "akachengeteka."
Hurumende-yakabatana? Hurumende dzenharaunda dzinoita kuti PACE mari inowanikwa, uye mapurogiramu ePACE dzimwe nguva anokanganiswa nehurumende-dzakapiwa zvirongwa. Pakupedzisira, ivo vanongova zvikwereti seimwe chikwereti - vanofanira kubhadharwa, uye kune zvikonzero zvekukundikana kubhadhara .
Nokuda kwechikonzero chakanaka? Zvinonzwa zvakanaka kuti uite zvinhu zvakanaka, uye PACE mari yekukubatsira inokubatsira kubhadhara mirimu yakaoma. Zvisinei, panewo zvimwe zvikamu zvakabatanidzwa zvinogona kuva nehanya zvikuru mukugadzira purogiramu pane kugadzira kusiyana. Vatsoropodzi vanotaura kuti idzi zvikwereti zvakafanana nezvikwereti zvepa subprime .
Mutero wakabviswa? Zvingave zvichibvira kutsvaga mari yekufarira inofanirwa neprojekti yako. Zvisinei, mitero yemitero yakaoma - iwe unoda kutaura neunharaunda yekugadzirira mutero kuti uone kuti iwe unokwanisa kutora matanho. Zvinosuruvarisa, vamwe vadzidzisi venyika vanotenda kuti mari yose yeprojekti inoderedzwa nokuti kubhadhara chikamu chebhadharo yemutero, uye izvi hazvirevi zvakarurama.
Mashandisiro Aungaita PACE Chikwereti
Mune zvimwe zviitiko, zvinonzwisisa zvakakwana kushandisa PACE mari yekuita basa. Heano mamwe mazano anobatsira kuti uwane mari yako inokosha.
Taura nemunhu anokweretesa zvakananga: Mushure mekunge munodzidza nezve PACE kubva kune kontrakiti, taurai imwe hurukuro nemutengi wakakwereta kana sangano rekubhadharira PACE. Zvinokosha kuti unzwisise zvauri kupinda. Dzidza zvinobudirira uye zvakanakira zvakasiyana siyana, uye ona kuti uchabhadhara zvakadini . Kunyange vashandi vezvokwadi vanogona kukanganwa kusanganisira mashoko anokosha, uye havazivi nezvemari yako. Tsvaga zvakananga kubva pane zvinobva, uye ita hurukuro iyo apo makontrakta ako asipo (kuitira kuti iwe utaure zvakasununguka usinganetseki pamusoro pokukuvadza manzwiro evanhu).
Enzanisa dzimwe mhando dzezvikwereti: Zvakare, PACE zvikwereti haisi nguva inonyanya kukosha yekukwereta. Ongorora zvose zvese zviri pasi apa.
- Tenga pakati pevatengesi veIndaneti , mabhenji emunharaunda, uye zvikwereti zvekwereti munzvimbo yako
- FHA 203K zvikwereti zvinogonawo kushandiswa kubhadhara kumba kunatsiridza uye zvinoda kubhadhara zvishoma
- Iwe unogona kutokwanisa kubhadhara purojekiti yako nekweretesa chako pachako uye urege kuvimbisa kubhadhara
Tsvaga mutengo wei iwe unogona kutarisira zvechokwadi, uye uone kuti chii chaunosvitsa mari yaunenge uchida kubhadhara . Uyewo, ona kuti iwe unopedzisira uine pamba paimba yako (izvo zvichaitika kana ukashandisa PACE kubhadhara kana chikamu chechipiri chikwereti). Iwe unogona kunge uchikwanisa kubhadhara mitero - uye zvichida kunyange kubhadhara mari yekutora - kana ukashandisa zvimwe zvikwereti.
Tora zvinyorwa kubva kune vatengesi vakawanda: Pausina kubhadhara mari-mberi, chero chinhu chinenge chisingakwanisi. Asi kuchine mukana wekuponesa mari (uye kuderedza mari yako) nokuenda nemakwikwi ekukwikwidza. Ingoyeuka kuti dzimwe nguva unowana chaunenge uchibhadhara, saka kusarudza mutengo wakaderera kunogona kudzoka kuzokunyengetedza.
Budget uye kubhadhara mari: Haisi iyo nzira iri nyore yekuita zvinhu, asi iwe unogona nguva dzose kunonoka purojekiti yako, kuchengetedza mari, uye kubhadhara mari kuti uite pane imwe nguva munguva yemberi. Kuita izvi kuchakuchengetedza mari pamutengo wemari, uye iwe uchava nezvimwe zvingasarudzwa kana zvasvika pakusarudza makambani uye basa chairo chavanoita.
Kutengesa (kana Kutenga) Imba Na PACE
PACE zvikwereti zvakajeka nokuti vanogara neimba - kwete yevakwereta vepakutanga.
Kutengesa imwe nzvimbo: Kana wakashandisa PACE kubhadhara mari yekuvandudza, iwe unogona kunge uchine chikwereti chemari kana uchisarudza kutengesa. Muchiitiko ichocho, unogona kutengesa zvinhu zvakagadziridzwa, uye mutengi anogona kuva nemhosva yekuripira (iyo mvumo yemuvhudzi ichawana kuongorora). Mune dzimwe nzira, izvi zvinonzwisisika nokuti imba yacho inokosha zvakanyanya. Zvisinei, vamwe vatengi vangave vachizeza kutora zvikwereti izvozvo, uye vangave vaine nguva yakaoma kuwana mari yekugadzirisa kana imwe pfuma ine zvimwe zviongorori.
Kana uchida, iwe unogona kugara uchibhadhara chikwereti chePACE iwe pachako, izvo zvinoita kuti pfuma yako iwedzere kune vanotengi. Zvinhu zvose zvinotaurirana mu real estate: unogona kutengesa mutengo wakakwirira wekuvandudzwa kwebhadharo, kana iwe unogona kugamuchira mutengo wakaderera weimba inouya nepamusoro mari (zvishoma nekanguva).
Kutenga chivako: Kana uri kutarisa imwe nzvimbo ine chikwereti chePACE chiripo, tora nguva kuti uone kuti chikwereti ichocho chichakanganisa sei mutengesi wako. Zvichida, iwe unobatsirwa nekuvandudzwa, saka zvingave zvakakosha kutora mitsara (somuenzaniso, iwe uchava nemadhora mashoma emagetsi kana imba ine yakasimba photovoltaic system, uye iwe uchafarira zvikwereti zviduku kwenguva refu PACE kuongorora kupera kuguma).
Usati wapfuurira kure, taura neunokweretesa wako kuti uone kuti vanobata sei nyaya dzePACE. Mune zvimwe zviitiko, chikwata chePACE chinoda kuva panzvimbo yekutanga, asi mamwe mapurogiramu ePACE anoda kutora chikamu chechipiri mushure meimba yako yekutenga chikwereti.