Mitemo yekuwana mari yeCondo ndiyo yakasimba
Smart vanotenga havafungi kuti vanogona kuwana chikwereti chechikwata kune chero chikwata chavanoda kutenga. Semuenzaniso, Sherry, kwete zita rake chaiye, akafunga kuti akanga asvika pakakwirira yakakwirira yakakwirira muEast Sacramento . Mutengo wacho wakanga wakarurama. Nzvimbo yakanga yakakwana. Maonero acho akanga akanaka. Sherry haana kutarisira kuti chikwereti chake chirege kuramba chikwereti nokuti vanokweretesa vakanga vamboita zvikwereti kune dzimwe dzimba muimba.
Asi muteresi wake akaramba chikwereti nokuti kwakanga kusina kutengesa zvakafanana kwemazuva matatu apfuura muimba. Muongorori haazoshandisa chero imwe yekutengesa yakafanana mumunharaunda kunze kweavo vari muchivako, uye hapana chaivepo. Hapana kana mumwedzi mitatu yapfuura, zvakadaro.
Kugamuchirwa kunyika ye mitemo yemukwereti. Kwete mitemo yemukwereti wekodha yakasiyana zvikuru pakati peFHA chikwereti uye zvikwereti zvinowanzoitwa , asi mutengesi mumwe nomumwe anokwereta angave nemitemo yake, inonzi inowanikwa. Kusiyana nemari imwe chete-yemhuri yemusha, zvikwereti zvekodha zvakasiyana, uye kwete mishonga yose yekondomu inokodzera.
Uyezve, nokuti FHA inoti iwe unogona kuwana chikwereti chechikwata hachireve kuti muridzi wekusarudza wawakasarudza achabvumirana kubhadhara chikwereti chakadaro. Uyezve, kuomesa nyaya kune imwe nzira, nekuda kwekuti chigadziro chekodha hachipo kubva kune yakagamuchirwa FHA kodhi yemutauro haireve kuti muridzi wekwereti haazobvumi "kuonekwa kwemavara" uye kuvabvumira, nokuti anokweretesa anogona.
Chikonzero chakanaka chokusarudza nekuchenjera kusungira chikwereti chekwereti yako yekodha.
FHA Mitemo yeCond Loan
Vazhinji vanokwereta , kunyanya vatengi vatengesi vekumba vanotengesa kunotenga kondomu nokuti mutengo wacho unowanzova muduku kudarika weimba imwe chete yemhuri. Nemhaka yokuti mutengo wacho unowanzoperera, ndizvo zvinowedzera kubhadhara zvinoda.
Asi mamwe mimwe mitemo inogona kukuvadza mukana wemutengesi wokuwana chikwereti :
- FHA Approved Condo List
HUD inoda kuti condo ive yakarongeka pane iyo FHA yakagamuchirwa rondedzero yekondomu. Kana iyo condo isiri pane urongwa, ipapo uyo anenge akwereta achange achitsvaka kutsvaga mari.
Dzimba guru: Ndangobva kuwana mutengi asina kukodzera nokuti akashanda muSan Jose uye akanga achitenga condo mu Sacramento. Akaronga kutengesa uye kuendesa kuSan Jose kaviri pavhiki. Nope, uyo akweretesa akataura kuti kureba kwakange kwakanyanya zvikuru kuti isarangarirwe kugara kwekusingaperi.
- Percentage yeFHA Loan
Zvinenge makumi masere makumi mapfumbamwe nezana (80%) zvezvikamu zvose zveFHA zvikwereti zvakaoma zvinofanira kuva muridzi wekutora, nzvimbo inonyanya kubhadhara. Kana zvikawanda zvakawanda zveFHA-inshuwarheni zvakashandurwa kuva zvikwereti, FHA haigoni kubvumira chikwereti.
- Percentage of Owner Akachengetwa Unite
A zvishoma makumi mashanu kubva ku 51% yezviyero muzvinetso zvinofanira kuva muridzi wekutora. Kune pfungwa, zvichida ichokwadi, kuti muridzi weimba anotora zviri nani maunyamu avo uye anonyatsogadziriswa zvakanyanya pane zvakagadziriswa.
- Kuvaka Kugadzira
Izvo basa racho rinofanira kupedzerwa kwegore rinenge risina, kana pasina kuwedzera kana zvikamu zvakamirira. Izvi zvinoreva kuti kutengesa kwekutanga kune yakaoma kunogona kutengwa nemari kana kuti kwete maFHA marudzi ekubhadhara.
- Hapana Nharaunda Ongororo
FHA yakabvisa nzvimbo yekuongorora, iyo inoshandiswa kureva kunyange kana iyo condo yakanga isiri pane fHA yakagamuchirwa mutsara, FHA inogona kuramba ichiita chikwereti pakudzokororwa kwebhuku remibvunzo.
General Condo Loan Rules
Pasinei nokuti uyo anenge akwereta anowana FHA kana mari inowanikwa mari, mamwe mvumo yekwereti yekodha yakafanana. Heano zvishoma:
- HOA Delinquencies
Mumatambudziko apo maitiro akawira pasi pebhodhi, mari inowanzosvibisa kune avo vane pfupi kana kutengeswa kwebhangi . Percentage minimums inoshandiswa, uye kazhinji inenge 85% yeimba yeimba inosungirwa mari inofanira kunge yakabhadharwa panguva.
- Rinotarisira Mutemo
Hapana mutero anoda kuona mutemo unenge wakamirira mumatokari akaoma. Mhosva dzakawanda dzinodhura uye nguva inopedza kugadzirisa.
- Zvibvumirano Zvibvumirano
Mabhaningi anowanzoda kuti zita racho riendeswe mubhadharo rakasununguka, risina mimwe mitemo yakadai sezera, somuenzaniso.
- Yakakodzera Inishuwarenzi
Iyo yakaoma inofanira kuchengetedza inishuwarenzi yakakodzera yakadai sedambudziko, dambudziko uye mafashu inshuwarisi . Nguva dzose apo chirongwa cheNational Flood Insurance chinosvika pangozi, dzimba dzakaoma dzinotambura.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.