Kutenga imba kungave ndiyo inowanzoita mari inowanikwa muupenyu hwako, uye dzimba dzepamusoro dziri pamusoro pezana mazana emadhora madhora mumisika zhinji.
Asi misha yakagadzirwa inowanzosvibiswa kupfuura nzvimbo dzinovakirwa dzimba, saka vanoita kuti imba yavo ive nyore. Kunyanya kune vese vane mari shoma uye avo vanogara kumaruwa (apo makambani uye zvigadzirwa hazvisviki nyore), imba inogadzirwa ingave ndiyo chete inosarudzwa.
Mobile, Yakaitwa, uye Modular
Paunenge uchitaura nezvekubhadhara mari kumusha, mazwi aunoshandisa nevakwereti anogona kuva akakosha. Iko iwe unoti "musha wechamhembe" inowanzove "yakagadzirwa musha" (kunyange zvazvo musha uri - kana kuti wakambove-unofamba). Nokuda kwekushandiswa kwemashoko, kana nguva inoshanda, asi vatengi vanokweretesa kusabhadhara zvivako zvakagadzirwa seimba yefoni.
- Misha dzemafirinesi mune fekitari-yakavakwa dzimba dzakagadzirwa pamberi paJune 15, 1976. Dzinogona kuva dzimba dzakanaka kwazvo, asi dzakavakwa pamberi pekugadzirisa zvinoda humwe hutano hwekuchengetedza, uye vazhinji (asi kwete vose) vabhadhara vanononoka kubhadhara iyo dzimba.
- Imba yakagadzirwa inoitwa nefekitari-yakavakwa dzimba dzakavakwa mushure meJune 15, 1976. Imba iyoyo inotungamirirwa neNational Manufactured Housing Construction uye Safety Standards Act muna 1974 uye inofanirwa kusangana nehutano hwakagadzirirwa neDhipatimendi reMari yeUnited States uye Urban Development (HUD) . Mitemo iyo inowanzotumidzwa seHUD Code. Misha yakagadzirwa inovakirwa pane chisingagumi chesitisi chesimbi uye inogona kutamiswa mushure mekuiswa (asi kutamisa imba mushure mekugadzira kunogona kukanganisa mari).
- Dzimba dzinochengeterwa dzimba dzimba dzinovakwa mumagetsi dzinoungana pa-site uye dzinodiwa kusangana yese yakafanana nheyo dzekuvakwa seimba-nzvimbo dzinovakwa dzimba (kusiyana neHUD Code). Izvo zvinowanzoiswa zvachose pachigaro chekrete. Kufanana nemisha yakavakwa nenzvimbo, dzimba dzinochengetedza dzimba dzinowanzobata kukoshesa uye dzinofadza kupfuura dzimba dzakagadzirwa kana kuti dzefodya, saka zviri nyore kuwana zvikwereti zveimba dzinochengeterwa dzimba.
Kwokuenda kune Borrow
Kune nzira dzakawanda dzekuwana mari yezvivakwa zvekugadzirwa uye zvemashamba. Sezvakaita chero chikwereti chipi zvacho, inobhadhara kutenga pakati pevatengi vakasiyana-siyana. Enzanisa chiyero chekufarira , zvinoshandiswa, kuvhara mari, uye zvimwe zvikwereti zvehomwe yemari. Kunyanya ne mobile home loans, rudzi rwechikwereti (kana kuti chikwereti chaunoshanda nayo) chinokosha.
Vatengesi: Vavengi vanotengesa dzimba dzakagadzirwa vanowanzogadzirira mari yekuita kuti zvive nyore kune vatengi kutenga dzimba. Mune zvimwe zviitiko, hukama hwevaki vako hunogona kuva iwe sarudzo yako chete yekubhadhara mari paunenge uchitenga imba itsva. Zvisinei, kuchenjera kukumbira muvaki wako kuti awane ruzhinji rwevamwe (vasina vimbiso) vateresi.
Specialized lenders: Vakawanda vanobhadhara chikwereti vanoshandisa mari yezvikwereti kumisha yakashambadzirwa uye yakagadzirwa (uye munda, kana zvichidiwa). Kunyange zvazvo chero chikwereti chingave chakakwanisa kubhadhara mari yako, vatengi vakweretesa vanowanzoziva nezvezvinhu zvekugadzirwa kweimba - saka ivo vanoda kunyanya kushandiswa kwezvikwereti. Iwe unonyanya kudikanwa kushanda neine chikwereti chinotarisa pamusika wakagadzirwa mumusha mune zvinotevera:
- Iwe haugoni kuva wenyika.
- Iwe haugoni kubatanidza zvachose imba yacho kune imwe nheyo.
- Iwe uri kutenga imba isiri mutsva mutsva kana imwe yakave yakagadziridzwa yaitwa.
- Iwe unoda kugadzirisa chikwereti chiripo chakagadzirwa musha, uye chero ipi zvayo pamusoro apa inoshanda.
Vatengi vatengesi: Kana uri kutenga imba uye nyika inogara, uye imba inogadziriswa zvachose pane imwe nheyo yeheyo, iwe uchava nenguva yakajeka yokukwereta. Mabhengi mazhinji emunharaunda, zvikwereti zvemari, uye vatengesi vatengesi vanogona kugamuchira zvikwereti.
Wana mazano kune vakweretesi vakanaka kubva kuvanhu vaunovimba navo. Kana iwe usingazivi kuti ndiani angabvunza, tanga newaini yako yemuzinda, vashandi uye vagari vepanzvimbo dzepamba dzemisha, uye vanhu vamunoziva vakwereta mari kutenga kutenga yakagadzirirwa imba.
Chattel Loans
Marikiti yeChattel inowanzoshandiswa pamisha inofambisa uye yakagadzirwa, kunyanya kana imba iri kupinda mupaki kana kuti inogadzirwa mumusha. Chikwereti chekwereti chikwereti chemba-chete (kunze kwechikwereti cheimba uye pamwe chete).
Izvo zvikwereti ndezvipi zvevanhu zvikwereti zvikwereti - kwete zvikwereti zvemari.
Izvozvo zvakati, zvikwereti zvekambani zvinowanikwawo kana iwe uine nyika yacho uye ukwereta kune imwe imba iri oga.
Paunenge uchitenga nevakweretesi, ona kana uri kuwana mitsara yekwereti yechattel kana chikwereti cheimba. Nhamba dzezvikwereti pamakwereti echattel dzinowanzove dzakakwirira kudarika kuwanda kweimba yemari chikwereti, asi pane zvinoshandiswa uye zvinopera kune imwe neimwe sarudzo. Chidzidzo cheCommumer Financial Protection Bureau (CFPB) chakawana kuti mari yezvikwereti uye mari yekugadzirisa yaiva 40 kusvika ku50 muzana yakaderera pamakweretheni emakambani kana achienzaniswa nemari yemari yekubhadhara mari, asi gore rega rega yepamusoro (APR) pamakwereti echikwereti aiva 1.5 muzana yakakwirira.
Makomborero emakweretheni echikwata anosanganisira:
- Iwe haufaniri kuva neimba yako, iyo inogona kuchengetedza chikwereti chako maduku (kunyange iwe ungangove uchibhadhara mari yepahomwe yepaiti).
- Kutengesa mari inofanira kunge yakaderera pane yekuvhara mari yeimba yemari chikwereti.
- Mhedziso yekuvhara inowanzokurumidza uye isingabatanidzwi kune yekuvhara chikwereti cheimba.
Kukanganisika kwemari chikwereti chattel inosanganisira:
- Nharaunda inowedzera, saka kubhadhara kwako uye mari yekutora ichave yakakwirira kudarika kana iwe uchishandisa chikwereti chaiyo chaiyo chemari.
- Nguva dzokubhadhara dzinogona kuva shoma (dzine nguva yekubhadhara inosvika makore 15 kana makumi maviri, somuenzaniso - kunyange vamwe vateresi vachibvumira zvikwereti zvakare). Mhedziso shomanana inokonzerwa nemari yakakwirira inowanikwa pamwedzi , asi kubhadhara chikwereti kunowedzera kuchengetedza mari yekuderera.
Zvigadzirwa nevatengesi vekumba uye vatengi vakakurumbira vanowanzopa zvikwereti zvekambel, uye US Census Bureau yakawana kuti 80 muzana yemisha mitsva yakagadzirwa muna 2015 yakatumidzwa semunhu pachake. Asi vamwe vanokweretesa vanopa zvose zvikwereti zvemari uye zvikwereti zveimba. Taura nevanokweretesa, uye mubvunze pamusoro pezvakanaka uye kunyanya kwekutumidza imba seimba chaiyo pane nzvimbo yako pachako.
Hurumende Hurumende Zvirongwa
Mipurogiramu yakawanda yehurumende inotsigirwa nemari inogona kubhadhara imba inogadzirwa isingakwanisi. Tichifunga kuti iwe unosangana nemitemo yekukodzera iyo mapurogiramu, unogona kukwereta kubva kune vatapi vemari vanotora chipo chekubhadhara kubva kuhurumende yeUnited States - kana iwe usingatsivi chikwereti, hurumende ichapindira uye ichabhadhara chikwereti.
Zvirongwa zvehurumende zvinotsigirwa nehurumende ingangodaro yako ndiyo nzira yakanakisisa yekukwereta, asi dzimwe dzimba dzemajeri uye dzakagadzirwa hazvikwanisi.
FHA zvikwereti zvinopihwa ne Federal Federal Administration (FHA) . Izvo zvikwereti zvinonyanya kufarirwa nokuti dzinowedzera pasi, kubhadhara mitengo , uye mitemo inobatsira vatengi. Kuti uwane chikwereti chechikwereti cheFHA, mitemo yakawanda inofanira kusangana:
- Imba yacho inofanira kunge yakavakwa shure kweJune 15, 1976.
- Imba inofanira kuenderana neHUD Code uye inosangana nezvimwe zvinodiwa zvekune imwe nzvimbo. Kugadziriswa kumusha kunogona kuunza kunze kwekuteerera.
- Chikamu chimwe nechimwe chemhuri chinofanira kuva neChipatimendi cheChipiri (kana kuti HUD Label) chakabatanidzwa. Somuenzaniso, pane dzimba mbiri dzakapetwa, mabhii maviri anodiwa.
Kune mapurogiramu maviri eFHA anowanikwa kune vadzidzisi veimba.
FHA Chikamu chezvikwereti II chinosanganisira yakakurumbira 203 (b) chikwereti - inoshandiswawo pamisha yakavakirwa-nzvimbo inobvumira vatengi kubhadhara mari shoma se 3.5%. Kuti ufukidze mari yehurumende yehutano, iwe uchabhadhara mberi-mortgage mortgage inshuwalimi yepamusoro pamwe nekuenderera mberi kwekutengesa inshuwarisi pamwe nekubhadhara kwemwedzi mumwe nomumwe. Iwe unoda kupa zvikwereti zvikwereti kuti uwane chikwereti cheFHA, asi chikwereti chako hachidi kuti chive chakakwana. Kunyanya, iwe unogona kushandisa mari yezvipo kuti uwane mari yako pasi kubhadhara uye yekuvhara mari, uye iwe unogona kunyange kuti mutengesi anobatsire kunze kwezvinodhura.
Chikamu II zvikwereti zviye zvikwereti zvezvivakwa, saka iwe unoda kutenga imba uye kumba pamwechete, uye imba inofanira kuiswa zvachose pane imwe svondo yakagamuchirwa. Mari dzinogona kutora makore 15 kusvika ku30.
FHA Chitsauko I zvikwereti zvinowanikwa muzvikwereti zvemunhu pachake - zvinobatsira kana iwe usiri kuzova wevhu. Zvisinei, kana iwe ukaisa imba yacho panzvimbo yebasa, chibvumirano chako chekubvumirana chinoda kusangana nemirayiridzo yeFHA. Somuenzaniso, iwe unoda nguva yekutanga yekutengesa kwemakore matatu, uye iwe unofanirwa kuudzwa nezvekuregererwa kwekambani neyekusvika kwemwedzi mitanhatu yeziso. Zvinoda kubhadhara zvinogona kunge zvakaderera kusvika ku5 kusvika ku20 muzana, asi izvo zvinoda zvakasiyana kubva kune chikwereti kunopa chikwereti uye zvinoenderana nekwereti yako chikoro. Zvimwe zvinotarisirwa kune Chikwata Chekutanga Iko chinosanganisira:
- Imba inofanira kuva yevakakwereta yekugara.
- Nzvimbo yekuisa iyo inofanira kusanganisira kushambidza mvura nemvura.
- Matenga matsva matsva akagadzirwa anofanira kusanganisira waranti yegore rimwe chete.
- A HUD-anobvumirwa nemudzidzisi anofanira kuongorora mujenya.
Tsamba I zvikwereti zvinogona kuva kumba-chete chikwereti chakaita semari chikwereti, asi zvinogonawo kushandiswa kutenga zvakawanda uye imba pamwechete. Chikwereti chikuru chinowanikwa paInde I chikwereti chakaderera kupfuura maximums paChipiri II chikwereti, uye mazwi ehomba ndefupi: Pamba rimwe chete uye mujenya, nguva yekubhadhara yakanyanya makore makumi maviri.
VA zvikwereti zvinowanikwa kune vashandi uye veterans, uye zvinogona kushandiswa pakuvakwa uye kudzimba dzimba. VA zvikwereti zvinonyanya kufadza nekuda kwekwanisi yekutenga pasina mari pasi uye pasina mwedzi mortgage inshuwarisi (kutora chikwereti ichichibvumira, uye unosangana nechikwereti nemari inowanikwa). Kubvisa kubhadhara kunoreva kuti iwe uchava nemari yakakwirira pamwedzi - uye iwe uchabhadhara zvakawanda mukufarira - asi mune dzimwe nguva zvinonzwisisika. Nokuda kweAV chikwereti pamusha wakagadzirwa:
- Imba inofanira kunge ichibatanidzwa zvachose nesheyo.
- Iwe unofanira kutenga imba pamwe chete nenyika inogara pamusoro payo uye kutumidza imba yacho seimba chaiye.
- Imba inofanira kuva inzvimbo yekugara (kwete imba yechipiri kana yeimba yekutsvaga).
- Imba inofanira kusangana neHUD Code uye iine HUD Mavara akabatanidzwa.
FNMA zvikwereti zviri kuwedzera kuwanika kumisha yakagadzirwa, sezvo iyo sangano rinoronga kuwedzera mari yekuwana zvigadziriswa zvekuvakwa kweimba. Kumbira murikwereti wako kana mapurogiramu matsva aripo nokuda kwekutenga kwako kuri kuuya.
Vatengi Vakasiyana, Mimwe Mitemo
Kunyange zvazvo dzimwe dzezvikwereti zvataurwa pamusoro apa dzinotsigirwa nehurumende yeUnited States, vateresi vanobvumirwa kuisa mitemo inonyanya kudzivirira kupfuura mirayiridzo yehurumende. Izvo "zvipfeko" zvinogona kukudzivirira kuti urege kubhadhara, asi mamwe mabhangi angashandisa mitemo yakasiyana. Ndiyo imwezve chikonzero icho chinobhadhara kutenga shoma-iwe unoda kuwana chikwereti nemakwikwi emari, uye iwe unoda kuwana unokwereta uyo achagadzirisa zvaunoda.
Kunyanya pazvinosvika pakugadzirwa kwemisha, vateresi vangakuudza kuti hauna kukodzera mapurogiramu ehurumende. Izvozvo zvingava zvechokwadi, asi zvakanakisisa kuti uoneke ne FHA kana VA vanopa vatendi vasati varega pane izvo zvasarudzo.
Mimwe mienzaniso yenharaunda apo vateresi vakasiyana vanoisa mitemo yakasiyana:
- Mari yekukoshesa chiyero: Unogona kukwanisa kuisa pasi zvishoma ne3,5 muzana, kana iwe unogona kutarisirwa kuita 20% mubhadharo .
- Chikoro chezvikwereti: Zvichienderana nezvikwereti zvako chikwereti, vamwe vateresi vangave vasingadi kushanda newe, asi vamwe vakagadzirisa zviyero zvakasiyana-siyana kana kuderedza zvido zvekubhadhara zvichibva pachikwereti chako .
- Mhando yeimba: Vamwe VA neFHA vanokwereta havadi kukweretesa pamakumba akgadzirwa, asi vanogona kunge vakanyatsozarurirwa kumisha ye modular. Vamwe vanozeza kubhadhara mari imwe chete, asi vanozobhadhara mari mbiri kana dzimba huru.
- Mumiriri wekugara: Kana uchida kurarama mupaki kana munharaunda, vateresi vangada kuziva kuti vangani vagari vanobhadhara vachienzanisa nevakawanda vane dzimba dzavo.
- Chattel vs. mortgage: Vamwe vanokweretesa chete vanopa zvikwereti zvemari, saka ndiyo chete chigadzirwa chavanokupa. Saizvozvowo, vamwe vanokweretesa havaiti zvikwereti zvemunhu pachake.