Kazhinji, iwe (uyo anenge akwereta) kuripa mwedzi wemwedzi wega wega mortgage inshuwarisi (PMI).
Iko mari yakawedzerwa mwedzi mumwe nomumwe, uye zvinotora kuruma kubva mune bhajheji yako. Zvisinei, vamwe vanokweretesa vanopa chikwereti chebhadha mortgage inshuwaridhi (LPMI), iyo inokubvumira kuderedza kana kudzivisa iyo inowanikwa pamwedzi pamwedzi.
Zvichida kana kuti kwete pfungwa yakanaka yekutenga nechepasi pe20% kubva pasi isingabvumirwi, uye iri musoro weimwe nyaya.
Nzira yekuti LPMI Inoshanda Sei
LPMI is mortgage inshuwarisi iyo yako chikwereti anoronga. Iwe unobhadhara kubhadhara mune imwe nzira mbiri:
- Chibharo chekutanga-chekutanga pakutanga kwechikwereti chako (chikwereti che "lump-sum")
- Chikwereti chechikwereti chepamusoro chekukweretesa kwako, zvichiita kuti uwedzere kune imwe mwedzi mari yekubhadhara mari mwedzi mumwe nomumwe, nokuda kwehupenyu hwechikwereti chako.
Iko-sum sum approach haina kufanana kupfuura kugadziriswa kwekutora chikwereti chako.
Zvinosuruvarisa, izwi rokuti LPMI harisi rakarurama nokuti uyo anenge ari chikwereti haasati abhadhara inishuwarenzi-iwe unoita. Nguva dzose yeuka (zvikurukuru nekutengeserana kwemari) kuti hakuna munhu anokweretesa mari yako kunze kwekunge vawana chimwe chinhu mukudzorera.
Kuti ushandise LPMI, iwe unongoshandura shanduko yemari yepayimisi yekubhadhara kuitira kuti iwe usabhadhara mutero wakasiyana pamwedzi wega wega.
Kana iwe uchibhadhara chikwereti chemari , waunokweretesa wako achaona muwandu wavanofunga kuti huchavhara mari dzavo. Zvadaro, vanotenga mortgage inshuwarisi nemari iyo. Muchiitiko ichi, iwe unofanirwa kubhadharisa kubhadhara.
Kana iwe uchibhadhara kwenguva , iyo chikwereti inogadzirisa chikwereti chako chekubhadhara mari yekuvhara mari yeinishuwarenzi. Nokuti chikwereti chepamusoro chekutenga chikwereti chinorema kumwedzi pamwedzi kubhadhara (ona Maverengero Okuverenga Mari ) iwe uchagumisa kubhadhara imwe mwedzi mumwe nomumwe kana uchienda kuLPMI. Iko mari yepamusoro inofanira kunge isina kudarika iwe waizobhadhara kana iwe ukashandisa imwechete PMI kuripa mwedzi woga woga, asi hapana nzira ye "kufambisa" mari yakawedzera apo iwe unobhadhara chikwereti chako .
Pros uye Cons yeLPMI
LPMI haisi yevose. Ichokwadi, havasi vose vanozokodzera kubhadhara chikwereti naLPMI. Kazhinji iwe unoda kuva nechikwereti chakanaka cheLPMI kuva sarudzo, uye zvinongonzwisisika mune dzimwe mamiriro ezvinhu.
Mitsva yenguva pfupi : LPMI inonyanya kukoshesa zvikwereti zviduku. Kana ukaronga kuwana chikwereti chemakore makumi matatu nemakumi matatu uye uchitora chikwereti kwemakumi emakore, iwe unogona kunge uri nani kune imwechete mutemo wePPI. Sei? Zvakare, mari zhinji yeLPMI inoshandiswa yakagadziriswa (yakakwirira) kutora chikwereti chechido, kusiyana nehomwe yemari yekubhadhara mberi. Kuti chikwereti hachizogoni kuchinja, saka iwe unofanira kubhadhara chikwereti zvachose kubvisa LPMI "premium." Unogona kuita izvi kana nokubhadhara chikwereti kunze kwezvaunozvigadzirira (zvinorehwa zvinopfuura zvaitwa), kugadzirisa chikwereti , kana kutengesa imba uye kubhadhara chikwereti.
Kana uchienzanidza, tarisa purogiramu yakatarisana nePPI, yaunogona kuisa kana iwe ukavaka kuenzana kwakakwana mumba mako. Mushure mekudzima, iwe unobatsirwa kubva muchitsiko chechibereko chepasi- uye kwete zvakare PMI kuripa-nokuda kwezvasara zvehupenyu hwechikwereti.
Vanowana mari yakakwirira : Kune avo vanogona kugamuchirwa kuLPMI, inonyanya kukosha kune vakwereta vane mari yakawanda. Izvo vanhu nemhuri vanogona kunakidzwa nekuderedzwa kwemitero yakawanda nekuda kwechikwata chechikwata chapamusoro (vachifunga kuti vanobvisa pamba mari yekubhadhara mari ). Vanhu vane mari shoma, kune rumwe rutivi, vanogona kukwanisa kumira vamire-voga PMI, saka LPMI haigoni kuuya nemimwe mitero yemitero. Zvechokwadi, iwe unofanirwa kutaura nguva dzose nemutero wako wekutengesa pamusoro pezvingazobviswa-uye kunyange zvakanakisisa kugadzira chikwereti chako chemari . Mitemo iyi inoshanduka nguva nenguva, saka chengeta neyanzvi yekuvandudza usati wasarudza chero chinhu (uye gadzirira kugadziriswa mushure mokuita sarudzo yako).
High LTV: Kana chikwereti chako chekukoshesa chiyero (LTV) chiri pedyo ne80 muzana, LPMI inenge isiri yako yakasarudzwa kunze kwekuti iwe uronga kubvisa chikwereti munguva pfupi (nekugadzirisa kana kubhadhara). Pedyo ne80 muzana, iwe wava kuda kupera ne mortgage inshuwarisi zvachose. Kana ukashandisa imwe chikwereti mortgage inshuwarisi panzvimbo iyo, unogona kuita kubhadhara kwakasiyana pamwedzi. Iwe uchakwanisa kubvisa inshuwarisi nokukurumidza, uye iwe haungasimbiswi nehuwandu hwekufarira. Yeuka kuti kune nzira dzakawanda dzekukwira kupfuura 80 muzana LTV:
- Nokukweretesa, unowedzera imba yako yakakwana, uye iwe unoderedza yako LTV.
- Kana hutengo hweimba yako huchiwedzera nekuda kwesimba reimba yeimba kana kuvandudza imba, yako LTV inovandudza.
Kuita kuti PMI yako ifugurwe mangwanani kungangosanganisira mari yemazana mashoma madhora ( kuwana kuongororwa ). Asi kunatsiridza kunze kwechikwereti cheLPMI kunogona kutenga mari yakawanda.
Zvimwe zvinotsigira LPMI
Kana LPMI isinganzwi seyakakwana zvakakwana kwauri, unogona kuedza nzira dzakasiyana siyana.
Kubhadhara kukuru kwekubhadhara: Nokuisa pasi makumi maviri kubva muzana, iwe unobvisa chido chokubhadhara PMI. Zvisinei, vazhinji vatengi havana chavo.
Tenga wako pachako PMI: Unogona kugara uchibhadhara wako PMI (dzimwe nguva anonzi akwereta akabhadhara mortgage inshuwarani kana BPMI) mwedzi mumwe nomumwe. Iwe watoona mienzaniso mishomanana yemamiriro ezvinhu apo plain-PMI yakare iri nani kupfuura LPMI pamusoro.
Piggyback: Unogonawo kuedza kubatana kwezvikwereti kuti urege kudzivirira PMI, kunyange iwe uchida kuongorora nhamba yacho zvakanyatsonaka. Nzira ye piggyback, inozivikanwawo sekuti chikwereti cha 80/20, inongova chinhu chimwe chete. Izvi zvikwereti hazviwanzofanana sezvazvaimboita, asi zviripo. A piggyback inokubvumira kudzivisa mortgage inshuwarisi zvachose, asi yako yechipiri kutenga chikwereti inouya nechikwereti chakakwirira. Kana iwe uchikwanisa kubhadhara chikamu chechipiri nokukurumidza, iwe uchapedzisira uchinakidzwa nekutora chikwereti chekutengesa pasi (izvo zvisina kuwedzerwa neLPMI) kwemakore anotevera.
Zvikwereti zvakaderera-kubhadhara: Zvikwereti zvinokweretesa zvikwereti zvinopa mari shoma shoma. Semuenzaniso, FHA zvikwereti zvinowanikwa nediki zvishoma ne3,5% pasi. Iwe unofanirwa kuribhadharira mortgage yunivhesiti, asi iyo zvikwereti zvingangodaro zvakakosha kune vamwe vanokwereta. VA zvikwereti zvinobvumira zero pasi , uye hazvirevi chero yeruzhinji yeruzhinji.