Kana ukakumbira Realtor.com nokuda kwekufungidzirwa kwemari yekuongorora mari yemusha, mhinduro yakawanda inoita seyiyo iri $ 300 kusvika $ 400 yakatarisa, asi iyo inoratidzika seyikufungidzira kusati kwamboitika.
Icho chinogona kushanda kune maduku maduku emaruwa muMidwest, asi kwete kumaguta ekumisika muCalifornia, somuenzaniso.
Ko Muchengetedzi Anokuudza Kana Imba Yayo Isingashandisi paMutengo Wokutengesa?
Vaongorori havakwanisi kutarisana nechokwadi chokuti mutengi uye mutengesi vari kuverenga pamba kuti verenghe pane zvakabvumirana pachibvumirano chechibvumirano. Kunyange zvazvo mudzidzi wechirangaridzo asingakwanisi kuisa kuongororwa pamutengo wekutengesa, usaita chikanganiso chekutenda mudzidzi wechirangaridzo haatombofungi pane izvozvo.
Chiitiko chekuongorora kuDavis, California, chakabatanidza chikwereti cheFHA . FHA kuongororwa inopa nhamba yenyaya, izvo zvinoreva kana mutengesi wakawira, iyo inotevera FHA mutengi aizowana kuongororwa kwakafanana. Nemhaka yeiyo, AMC yakadana chikwereti kuti inyevere kuongororwa kwaizove mari ye $ 100,000 pasi pekutengesa kwekutsvaga uye yakabvunza kana muridzi wekwereti akatungamirira mudzidziridzi kuti aenderere mberi. Mukwereti akatenda AMC uye akasarudza imwe kambani ye AMC.
Kana iwe uri kushamisika, uyo akwereta akabhadhara yekutanga AMC $ 150 nekubatsira.
Zvisinei, yechipiri AMC yakabudisa kuongororwa kunenge kuine kukosha kwakadaro, asi kwaive kuchiri $ 95,000 pasi. Kunyange zvakadaro, unogona kuona kuti urongwa hwe AMC hunogona kubatsira sei kune akakwereta. Izvo nguva dzose zvinogoneka kuti wechipiri anodzidzira angashandisa zvakasiyana-siyana kutengesa uye anounza kuongorora kwakakwirira.
Kuongororwa hakusi kutsigira kwakakwana kwekukosha. Iko maonero ehutori hwekukosha, kutevera mitemo yakazara.
Pamberi pe2007 subprime mortgage kuvharwa , mari yekuenzanisa mu Sacramento yaiva ye $ 375 kusvika $ 425. Zviitiko zveChechi uye zveFHA neA VA hazvibhadhari zvakafanana. Iko kunowanzowanikwa $ 50 mubhadharo yekuongorora pakati pekuongororwa kwemazuva ose uye kuongorora kweFHA, sezvo FHA zviongorori zvinodhura.
Izvi zvinokonzerwa muchidimbu kune zvimwe zvido zvinotarisirwa uye mazano ekufambisa kweFHA. Anofanirwa kuongorora nezveFHA angada zvimwe "zvikwereti," izvo zvinoshandiswa kugadzirisa musati wabhadhara chikwereti nokuti FHA zvikwereti zvinotakura zvinorema kupfuura zvinowanikwa. Ndicho chikonzero iwe ungaona dzimwe dzimba dzichinyora pende kana kushandiswa kwekuchengetedza kwekugadzirwa kunoziviswa se "zvinowanikwa chete."
Nzira Yokuchengetedza Sei Pamutengo Wekuongorora Kumba
Nguva yakanakisisa yekuunza mari yekuongorora ndeye apo iwe wakagadzirira kusarudza mutengesi wemari . Kunze kwekuti iwe uri kutarisana nemunhu anonyadzisa kutora chikwereti chikwereti, zvakanaka zvikuru zvose zvikwereti zvinotengesa mari zvinodhura zvakafanana. Pane musiyano muduku pakati pekuda kwehuwandu uye mapeji. Musiyano uri mubasa. Sekuwedzerwa kwekuwedzerwa, dzimwe nguva vatengesi vachapa mari yekubhadhara kuongororwa kwevatengi.
Unofanira kubvunza.
Mutengo wekuongorora unosiyana zvichienderana nenzvimbo. Semuenzaniso, nzvimbo dzakawanda dzemaguta muguta reCalifornia dzinodhura zvakangofanana nekuongorora. Parizvino, FHA kuongorora muTahoe / San Francisco uye kuSacramento nzvimbo dzinotanga madhora 550 kusvika $ 575. Mutengo wekuongororwa kwepakati kubva kune $ 500 kusvika ku $ 525. A VA kuongorora, hazvishamisi nokuti VA yakazara kwazvo, inenge madhora 600.
Mari yechikwereti chinogona kukwana $ 750. Chimiro chemusha pamhenderekedzo yegungwa ne 5,000 mamita makumbo uye mazhinji kunodhura kunodhura kunogona kutenga madhora 1,200 kusvika $ 1,500 kuti iongorore.
Sei Imba Ichienzanisa Nguva Yese paZvino Mutengo?
Mutengi akandibvunza mazuva mashomanana apfuura kuti sei nguva dzose dzaakatenga imba, iyo yekuongorora yakauya muchitengo chekutengesa. Akanga achishamisika kana paiva nehumwe hutano hwekubatana hunoenderera mberi pakati pevakweretesa nevadzidzi.
Icho chokwadi ndechokuti vaongorori vanogamuchira kopi yemupiro wekutenga . Vanoedza kutsvaga kutengesa kwakafanana kunosangana nekukosha kwekuverengwa.
Kana imba yacho yakakosha kudarika mutengo wekutengesa, dzimwe nguva mudzidzi wechirangaridzo haazopa huwandu hwepamusoro kune imwe nzvimbo nokuti haufaniri. Inongoda kuve yakakodzera kukosha mutengo wekutengesa. Hazvisi izvo chete zvisingakoshi, asi kana kukosha kuri kukwirira zvakanyanya, uyo anokweretesa angadana kuti kuongorora hakusi kufanana uye kunoramba kuita chikwereti.