Kana iwe ukaedza kuwana rudzi rwakashata rwechikwereti, kunyange kana kutengeswa kwako kwemazuva kwakagamuchirwa nebhangi revatengesi, iwe ungasakwanise kuvhara mutengesi iwoyo nekuda kwezvinetso zvemari. Zvinosuruvarisa, kwete mhando dzose dzekubhadhara mari iripo muUnited States inogona kushandiswa kutenga shoma shoma.
Kumirira kubvumirwa
Kunze kwekuti kutengeswa kwepfupi kwaunenge uchida kutenga ndiko kutengeswa kweWachovia shoma kana kutengeswa kweHAFA shomanana , iwe unogona kutarisira zvakakwana kurindira kwekanguva kutengeswa kwenguva pfupi. Kuwana kutengeswa pfupi kunogamuchirwa kunogona kutora kubva kumasvondo mana kusvika ku8 pahuwandu, gore kana kupfuura.
Munguva iyi yenguva, chido chekufarira chichichinja. Vakawanda vanokweretesa havazoregi chikwereti kwemazuva anopfuura makumi matatu vasina kukupirirai ropafadzo. Vamwe havakwanisi kukupa chikwereti chemari kusvikira iwe uchitengeswa pfupi kutengeswa. Kana huwandu hwekudarika kwako huchikwira kumusoro, unogona kuwana kuti iwe hausisina kukwanisa kutenga imba iyoyo.
Zano: Edza kutenga pasi pezvinhu zvako. Usatambanudza chikwereti chako chawakagara wagadzirira chikaita mairi. Siya iwe pachako kuchinja.
Kwete Kuvhara Usati Wavimbiswa Unopera
Mabhengi akawanda ekutsvaga mashomanana anoda kuvhara mukati memazuva makumi matatu ekutengeswa kwenguva pfupi kutengeswa Kana uri kuwana chikwereti chinoda nguva yakareba yekugamuchirwa sechikwereti cheChangu 184, iwe ungasakwanise kuvhara munguva yakatarwa uye kubvumirwa kwako kuchapera.
Dzimwe nguva, kunyange nezvikwereti zvinowanzoitika , kunonoka nekutengeswa kwako kwekutsvaga kwekutengeswa hakudzivisiki. Zvichida vaongorori vanosimbiswa uye kuongorora hakugoni kupedziswa munguva kana pasi pasi kunotora nguva yakareba kudarika nguva. Kana chikwereti chemari chikwereti chakanga chisina kuwana kuparara kwemari yakabvumirwa, uye imwe yemari iyo mutengesi asingabvumirwi kubhadhara akaendeswa kumutengesi, kuongorora zvakare Kutenda kwakaringana kunogona kunonoka dambudziko racho, zvakare.
Dzimwe mabhengi haazobudisi kuwedzerwa kwemashoko avo ekutengesa kutsva.
Zano: Kumbirai mutero wako mberi kana kambani inogona kuvimbisa zuva rekuvhara kwemazuva makumi matatu. Uyezve, kana iwe uchinzwa kuti tsamba yemvumo iri kuuya, tanga chikwereti chako mangwanani.
Zvichida Kugadziridza Kunowanikwa Kubhadharwa neBhani
Vakawanda vanokweretesa vane zvikwereti. FHA mirayiridzo yekugadzirisa inogona kushevedza kugadziriswa kwakawanda sekugadzirisa kupeta kubva kumba kwekutanga-1978 kana kuisa zvinyorwa. A VA chikwereti pasina mubvunzo chichitsvaga chirwere chekushungurudza uye chiyeuchidzo chakajeka chokupedza chirwere. Kunyange kana chikwereti chako chiri chenguva dzose, muchengeti anogona kuona chinyorwa chakakundikana uye anokumbira kubatsiridzirwa asati abvumirana nekubhadhara mari iyo pfupi kutengesa. Mabhanji haawanzobhadhara kubhadhara. Nhamba shoma inotengeswa inotengeswa "sezvazviri" mamiriro. Uyezve, bhagheni haisi kuzorega mutengesi achibhadhara kugadziriswa, nokuti kana mutengesi ane mari yakawanda, kazhinji bhagheni inoda mari iyo.
Zano: Kumbira mumiririri wako kuti aongorore imba uye arongedze zvinetso zvingaitika mberi.
Kuvhara Mari Dzekugumira Hatingabvumirwi
Kazhinji, vatengi vachakumbira mutengesi kubhadhara mari yekuvhara . Kana mutengi asina mari yakakwana yokubhadhara mari yekuvhara uye bhanhire rinoramba kubvumirana, mutengi angasakwanise kutenga iyo pfupi kutengesa .
Dzimwe nguva, Wells Fargo FHA shoma dzekutengesa mabhengi dzichaderedza mari inowanzobhadharwa nemamwe mabhanga nokuti Wells Fargo inoti mitemo yayo yeFHA inorambidza chikwereti che 3% mune mamwe mamiriro ezvinhu. Ndakatorawo kuti dzimwe mabhizimisi mashomanana ekutengesa acharamba zvachose chikwereti chekuvhara mutengi kana mutengi ari kuisa pasi zvinopfuura 3.5%.
Zano: Kumbira vashandi vekutsvaga kana bhengi iri kubhadhara mvumo yekuvhara mari yekuvhara kana iwe ukanyora kupa kana kupa zvinopfuura zvinongororwa mutengo kubhadhara.
Kutarisana neVaviri Vatengesi uye Kubvumirwa
Kana pane 2 zvikwereti pakutengeswa pfupi , iwe uchada kubvumirwa kubva kune vose vatengesi kuti vavhare. Iwe uri kutora njodzi kana iwe uchienderera mberi uchiongorora uye / kana kutarisa kumba usati watambira kugamuchirwa kubva kune vose vanokweretesa. Mumwe anokweretesa angabvumirana apo imwe inogona kuramba kutengesa kutsva kana chimwe chinhu kune mupiro wevatengesi paHUD.
Zano: Bvunza kuona mushumo wepakutanga kana chiito chokuzvipira kuti uone kuti vangani zvikwereti zvinochengeterwa neimba. Ikoko kunogona kuva nechikwereti chakabhadharwa chakanga chisina kumbogadziriswa zvakare.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.