Mari Yekubhadharwa Kwepasi uye Free Money
Pane nzira dzakawanda dzekuwana mari yakawanda pane yako yokutanga kutenga, kusanganisira:
- Achishandisa zvirongwa zvezvikwereti zvakagadzirirwa vatengi vekutanga, uye
- Kutenga zvakapoteredza uye zvakakodzera kubva pane chikwereti chako chakasimba uye mari yako
Kunyange zvazvo zvikwereti zvakanyatsogadzirirwa kutenga yako yekutanga kutengesa zvingaita sekunakidza, hazvisi nguva yakakwana yakakwana. Vanowanzouya nemaketani akabatanidzwa - izvo zvingave kana zvingasave zvisingabatanidzi.
Ndeupi Mukana Wokutanga Wenguva Yepamberi?
Chikwata chekutanga chekubhadhara chikwereti chakagadzirirwa kubatsira vanhu kuva vimba veimba, kazhinji munzvimbo dzakasiyana-siyana. Aya mapurogiramu anosiyana zvichienderana nekugara kwaunoita uye izvo zvinowanikwa kwauri, asi pfungwa yakawanda ndeyokupa rubatsiro rwemari kune vanotengesa vanotengesa. Kubatsirwa kunouya nenzira dzakasiyana-siyana, dzimwe dzadzo dzinotsanangurwa pasi apa.
Kubhadhara kuripo: kukwanisa kwevatengi kuita mari shoma shoma (kana kuti kwete kubhadhara zvachose).
Mari inoshandiswa: masangano anotsigira (kana anobatsira kubhadhara) zvinokweretwa, uye anogonawo kubatsira vabwereti kuti vakwanise kubhadhara chikwereti nehotera inoderera. Chigumisiro ndechokubhadhara mwedzi miviri nyore.
Zvikwereti: "mari isina mari" iyo inogona kuiswa kune yekuvhara mari , kubhadhara kuripo, nekuvandudzwa kweimba pashure pokutenga.
Kukanganwirwa chikwereti: kubvisa chikwereti chemari (kana kuti chikamu chikamu chechikwereti). Izvi zvinowanzoitika pane nguva yakareba yekukurudzira vatengi kuti varambe vari mumba kwenguva refu.
Kubatsira nemari yekubhadharwa: miganho yekuti vatengi vanobvumirwa kubhadhara sei kupedza chikwereti.
Zvikwereti zvakasarudzwa: zvikwereti izvo hazvidi kubhadharwa (uye usabhadhara chikwereti) kusvikira iwe uchibhadhara imba - kazhinji nokutengesa imba uye kufamba. Izvi zvikwereti dzimwe nguva zvinoshumira semari yako yekubhadhara.
Cherechedza kuti mapurogiramu anowanikwa kwauri anogona kupa chero ipi zvayo kana zvimwe zvezvipo zvinoratidzwa pamusoro apa - zvinoenderana nemamiriro ako emari, uye kwaunogara, saka unofanira kutsvaga izvo zviripo munzvimbo yako.
Kwatingawana Mari Zvirongwa
Kuwana zvirongwa zvakanaka zvekubhadhara kunoda chikonzero chekuita.
Nzvimbo yakanaka yekutanga ndiyo yeHUD Web site pazvinyorwa zvekugadzira mapepa (tsvaga pamusoro pehurumende yako, ipapo chengeta "Mapurogiramu anobatsira" pasi pe " Kutenga Imba "). Iwe unogonawo kutsvaga webhu, uine chokwadi chekuisa nyika yako kana guta rekugara. Kana uchida, iwe unogonawo kusanganisira chero mamiriro ako pamusoro pako (pamwe kana usina nzvimbo yako); somuenzaniso, kana iwe uri mhare, mudzidzisi, kana akaremara, unogona kuwana mamwe mapurogiramu.
Ndiani Anokodzera?
Tsanangura "mutengi wekutanga" mutengi: sezvaunogona kufungidzira, zvakawanda zvirongwa zvinotarirwa kune vanhu vasina kumbova neimba. Asi mamwe masangano achapa rubatsiro kune vanhu vane kare kare, chero bedzi vasina chavo mukati memakore akawanda apfuura.
Zvakare, chengeta kuti uone zvinowanikwa kwauri.
Nheyo yezvemari: iwe unogona kusangana nemimwe mitemo yemari pamwe chete. Kune chikamu chikuru, mapurogiramu ekutanga ekutenga anochengetedza rubatsiro kune vanhu vane mari shoma uye inonzwisisika. Kana iwe uchiwana zvakawanda, haugoni kukodzera purogiramu. Kuva nezvinhu zvakawanda (kufanana nemari mubhangi kana maakaiti ezvikwereti) zvinogonawo kuderedza mikana yako.
Zvikwereti zveMari
Misha inodhura? Yakawanda mapurogiramu akaisa murairo wemadhora paimba yauri kutenga, saka usatarisira kutenga zvinhu zvinodhura zvikuru munzvimbo yako. Pane kudaro, iwe uchange uine zvishoma kudhura zvinhu zvinodhura zvingangodhura zvakanyanya kune vanhu vanoona mitemo yekunowana inotaurwa pamusoro apa. Zvakare, pfungwa yacho ndeyokubatsira vanhu vane zvido zvakawanda.
Muridzi-wekugara: iwe kazhinji unofanirwa kugara mumusha semuzinda wako wekutanga.
Kana uchizobvarura nzvimbo yacho, iwe uchada kushandisa rudzi rwakasiyana-siyana rwechikwereti - aya mapurogiramu haasi kuvarimi.
Utano nekuchengeteka: imba yaunotenga inowanikwa inosangana nezvimwe zvinodiwa mumuviri. Inofanira kunge iri mumamiriro ezvinhu akanaka uye isina rusununguko rwenjodzi (yakadai sepepe inotungamirira, somuenzaniso). Kana uine musha mupfungwa dzako kuti haugone kutenga nokuti uri mumamiriro ezvinhu akaipa, unogona kuedza kushandisa chikwereti chekugadzirisa FHA 203k pane. 203k chikwereti chinokubvumira kutenga pfuma uye mari yekuvandudza muine chikwereti chimwe chete.
Dhigiridziro yeVatengi veKuvakwa Kwekutanga-Musha
Kune vamwe venguva yokutanga yemusha , mapurogiramu aya akakwana. Vanovhura suo kumusha wekumba umo mhuri ingadai isina kukwanisa kutenga imba. Mharaunda inobatsirawo - vimba vepamba vanochengetedza pfuma yavo, vanobatanidzwa, uye vanobatsira kuhupfumi. Kunyange zvakadaro, zvikwereti zvekutanga zvekubhadhara musha zvinogona kuva chisarudzo chisina kunaka pane dzimwe nguva.
Nechikwereti chakakosha, zvimwe zvinogona kuoma zvinosanganisira:
- Kurairwa kwemitengo kungakurege kukubvumira kutenga imba yaunoda
- Iwe unogona kurasikirwa nezvimwe zvezvibatsiro zvepurogiramu kana iwe uchitengesa imba yako nokukurumidza
- Iwe unogona kunge uchibhadhara zvakare kubhadhara mutero kune zvimwe zvezvipo zvawakagamuchira
- Iwe unogona kunge uine pfupi pfupi pfupi mazita emhando dzezvikwereti (chete makore makumi matatu akatarwa-kutengesa mabheji )
- Kana imba yako ichiwedzera mune kukosha, iwe unogona kugoverana izvo zvinowanikwa nepurogiramu
Zvichipa zvipingamupinyi izvi, unogona kunge uri nani pakudzivisa kubhadhara chikwereti chekutanga kumusha wemari. Patrick Schwerdtfeger, weCalifornia mortgage broker, anotaura kuti iwe ungangozoenda mberi uchishandisa bhaini-vanilla chikwereti kana uine chikwereti chakanaka. NeFICO chikwereti chikwereti kupfuura 720, iwe haungagoni kuwana chero rubatsiro nemari yakabhadhara chikwereti chekutanga kumusha. Kana ukangosvika pasi pe680, mapurogiramu anotsigirwa anotanga kutarisa zviri nani.
Zvimwe Zvingasarudzwa
Kana iwe ukawana zvirongwa zvekubhadhara zvikwereti zvakanyanyisa, funga chikwereti chakakosha kana FHA chikwereti icho chisati chagadzirirwa vatengi vekutanga.
FHA zvikwereti zvinokubvumira kuti utenge nezvishoma zvishoma ne3,5% pasi. Iwe haunoda chikwereti chakakura, saka ivo inosarudzo kune vanhu vari kutanga kutanga kukwereta (kana avo vari kuporeswa kubva mumatambudziko emari).
Zvikwereti zvinowirirana zvekare zvinobvumirawo zvishoma kubhadhara mari. Zvisinei, iwe unogona kunge uchida kubhadhara chikwereti che mortgage inshuwarisi (PMI) kusvikira uchisvika ku 80% chikwereti chinokosha .
PACE zvikwereti zvinokubvumira kuti uvandudze imba yaunayo, iyo inogona kukurisa zvinhu zvose zvemisha yaunofunga kubhadhara. Apo imba yaizova yakakwana kana yaingova nemidziyo inoshandisa simba, unogona kuwana mari (iyo yaunofanira kubhadhara) nekuda kwekuvandudza.
Nzira yakanakisisa ndeyokuongorora zvose zvamunogona. Tarisa kuti chii chaunotenga chikwereti chiri kupa, chengetedza zvikwereti zvepaIndaneti , uye uenzanise zvipo izvi kune zvikwereti zvakabhadharwa. Kana ukangotarisa nhamba, chikonzero mune kukosha kwekuchinja.
Mukuwedzera kune mapurogiramu emarikiti, iva nechokwadi chokuti udzidze nezveAkutanga-Time Homebuyer Tax Credit kuti uwedzere mari yako.