Muverengi anobvunza kuti: "Ndine kuvhiringidzika pamusoro pekubhadhara kwakaderera kwatinofanira kutenga imba.Mukomana wangu neni ini tave tichengetedza kutenga imba. Kusvika ikozvino, tine madhora maviri mubhangi.Vamwe vehama dzedu vanoti tinofanira kuisa zvichikweretesa kubhadhara mari inenge inenge 3% yemutengo wekutengesa.Imba ye $ 200,000 musha, iyo inokwana madhora 6 000 kuitira kubhadhara mari, uye iyo inoratidzika kunge isina mari yakakwana.Kuwanda kwei tinoda kuisa pasi kutenga imba? iyo yakaderera pasi kubhadhara yatinoda kumusha kutenga ? "
Zvinonakidza kuti imi mose muri kuchengetedza kusvika mubhadharo wokutenga kutenga imba. Vamwe vakaroorana, kunyanya muCalifornia, vanongotambaira vachifamba-famba paSvondo, vanoona imba yakazaruka , vanogumburwa mukati uye vanoguma vachipa kupa pasina kupa musha kutenga imwe pfungwa. Kuisa mari yako muhutano uye kuve nechokwadi kuti une chikwereti chakakwana chekubhadhara yakachengetedzwa, pamwe nekuvhara mari kunowedzera.
Iko Mari Yakagadzikana Inotora Izvo Sezvo seKubhadhara Kuno?
Nokuti anotanga, ndingati iwe uri kuvhiringidza kubhadhara kuri pasi neine mari yakawanda mari . Kubhadharwa kwekubhadharwa chikamu chemutengo wekutengesa uyo mutengi weimba anounza kunze kwehomwe. Vamwe vanotengesa kumba vanotenga vanogona kukumbira amai nababa kuti vabhadharwe . Nhamba yemutengo wekutenga mushure mekubhadharwa kwekubhadhara kunoderedzwa ndiyo mari yekutora mari yako.
Iko mari yakawanda inoshandiswa ndiyo mari yemari yakabhadharwa kuchengetedza kontrakiti yekutenga . Icho chikamu chekubhadhara kwako pasi uye kazhinji chinotarisirwa nemitemo yekutenga kumusha.
Iko mari inoshandiswa mari inogona kuchinja kubva pane zviduku zvakadai se $ 100 kana $ 500 kusvika kune imwe huru yakadai se $ 1 000 kusvika ku $ 50,000, zvichienderana nemutengo wekutengesa.
Mari yakawanda inowanzova 1% kusvika ku3% yemutengo wekutengesa. Iko mari inogona kuisa pangozi kana mutengi asina kukanganisa pachibvumirano, inozivikanwa sekukuvadzwa kwemari .
Zvinoratidza iwe une vavariro yakanaka yekutenga imba.
Munzvimbo dzakawanda-kupa mamiriro, vatengi vanoisa pasi mari yakawanda yekushingairira mari mari vanowanzowana zvakakosha. Kunyange zvazvo mari yose yakafanana pakuguma kune mutengesi, vatengesi vanowanzoona mari yakawanda yemari yakachengetwa sechiratidzo mutengi akazvipira uye zvakakomba.
Mhando dzeKuchengetedza Kuderera Kwemajeri
Kuwanda kwehuwandu hwekubhadhara kunotarisirwa kunotarisirwa kune rudzi rwechikwereti chaunosarudza. Imwe yega yemari yekubhadhara chikwereti inotakura mitemo yayo. Yakaenda kune mazuva makumi matatu nemakumi matatu emakweretheni emakwereti uye zvikwereti zvenhema, zvakare inonzi inozivikanwa semari chikwereti chemari . Nhasi, vanonyora pasi vanoongorora zvakanyanya kukwereta kukwanisa kubhadhara chikwereti. Havadi kuti vanokweretesa vawedzere kutenderera pachavo vozoguma mukutsvaga kana kutengeswa pfupi mumugwagwa.
- Kuderera Kwekuderera Kwekubhadhara kwaVA
A VA chikwereti , chakasikwa nehurumende muna 1944, ndechimwe chezvinhu zvakanakisisa zvinoshandiswa zviri kuAmerica. Inopa makwikwi emitengo uye mazwi anofadza kune avo vekare nevezvino vemauto ehurumende yemashandi edu akazvidzivirira. Chinhu chakanakisisa pamusoro pechikwereti che VA Kwete kubhadhara. Ndizvozvo. Zero pasi kudzikodzera vets.
- Minimum Down Payment yeFHA Loan
Chimwe chirongwa chehurumende, chikwereti cheFHA , chave chiri nguva yakareba kupfuura yaVA loan program. FHA chikwereti chave chiri chikamu cheAmerica mortgage system kubva muna 1934. Zvishoma zvishoma kubhadhara mari inotarisirwa kune chikwereti cheFHA ndeye 3.5%. Kwemari ye $ 100,000 yekutengesa, zvishoma zvishoma kubhadhara ndeye $ 3,500. Iko kunewo premium MI iyo inogona kuiswa muchikwereti.
- Kuderera Kwekurima Kwekuda Kwekodzero
Zvizhinji zvezvikwereti zvinokonzerwa zvikwereti zvinoshandiswa -chiremba mari . Izvo zvikwereti zvezvikwereti zvakapa zvirongwa zvishoma zvekubhadhara pasi munguva yakapfuura, asi kusundira kwezveramangwana ndiko kuwedzera kubhadhara kubhadhara zvishoma. Kunyange zvazvo 100% chikwereti hachiwaniki, kazhinji iwe unogona kuwana, nechikwereti chakakwana cheFICO chikwereti, chikwereti chebhadharo ye 3% pasi. Zvimwe zvikwereti zvikwereti zvezvikwereti kune mamwe makirasi evanhu vadzidzisi vakadai sevadzidzisi, somuenzaniso, vanogona kuda zero pasi.
Kunewo 10% mubhadharo pasi uye 15% pasi mari yekubhadhara chikwereti. Zvose zvitatu zvezvikwereti zvinosanganisira PMI . Sezvo nguva ichienderera mberi, iyo pfuti ichava yeusingasviki 20% pasi kubhadhara. Ne 20% pasi, hapana PMI.
Uchenjeri huripo hunoti unofanirwa kuisa zvakanyanya sezvaunonzwa wakasununguka kuisa pasi kutenga imba. Kazhinji, zvakawanda zviri nani pane zvishoma.
Asi usapedza akaunti yako yekuchengeta kuti uite. Iwe uchave uchida kuva nemari yakagadzirirwa zuva rekunaya uye nezvezvinhu zvokutenga mushure mekutenga imba .
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.