Nzira yekubhadhara zvipo zvekubatsira zvipo zvekuita basa

Zvimwe zvinotengeswa zvekutengesa zvinobvumira vatengi kushandisa chipo chemari kuitira kubhadhara kuripo

Kuderedza zvipo zvipo zvekubatsira mapurogiramu anobatsira kumbabuyers kubhadhara pasi nekubhadhara mari. Vangangodaro vashandi vekumba vanogona kugadzirisa imba pasina dambudziko dzimwe nguva havagoni kutenga imba nokuti havana mari inoda mari yekubhadhara uye yekuvhara mari. Vatengi vanotarisira vasina mari yekuvhara pamba vanogona kufunga kushandisa chirongwa chekubhadhara chipo chechipo, dzimwe nguva chinonzi kubhadhara kubhadhara mari yechirongwa.

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Pamba vatengesi vanogona kubatsira vatengi kubhadhara mari yekuvhara nekupa chikamu chemari yavo kubva kumutengesi pakuvhara. Kuwanda kwekutengesa mutengesi kunobvumirwa kunobva kune chikwereti chomutengesi .

Vatengesi vanorambidzwa kupa vashandi vekubhadhara mari pasi pekubhadhara mari , asi mapurogiramu ekupa zvipo anopa "basa kumativi ose."

1. Vatengesi vanyoresa imba yavo muzvirongwa zvakakodzera uye vanopa mari yakaenzana nemubatsiro mutengi wavo achawana pakuvhara - pamwe nemari, kazhinji 0.75 muzana yemutengo wekutengesa imba.
2. Apo mutengesi unovhara, mari yekubhadhara mari inowanikwa kubva purogiramu yekubatsira chipo kumushandi wekuvhara. Mutengesi haana chikamu pakuwedzerwa kwemari.

HUD uye Makambani Okutsigira Zvipo

Hungu uye kwete. Hezvino izvo HUD inotaura pamusoro pezvirongwa:

• "HUD haifariri" zvipo "mapurogiramu anotungamirirwa nemasangano anopa rubatsiro uye, saka, haazobvumirwi kubvumirwa kwepurogiramu yako. Mortgage chikwereti vane basa rekusimbisa kuti chipo kumwene weimba kubva kune sangano rinopa zvipo rinosangana nemirayiridzo inotsanangurwa muHUD Handbook 4155.1 REV-4, CHG-1 Ndima 2-10 (C) (semuenzaniso, hapana kubhadharwa kunoreva, nezvimwewo.) Izvo zvibatsiro zvinowirirana nemitemo iripo uye mirairo yezvemitemo inobvumirwa kupa zvipo zvemari kuvanhu vanobhadhara vanotengesa uye havadi pamberi peFHA kubvumirwa kuita kudaro. "

Nokudaro HUD haiti kubvumirana kwepurogiramu yezvipo - inopa mutoro kune uyo anokweretesa kushanda nehurongwa hwakarurama. Idzo mapurogiramu ose anoonekwa seanoenderana neHUD zvinoda. Mutengi wako anokwanisa kuona kuti chirongwa chaunosarudza chinogamuchirwa.

Downpayment Gift Assistance Programs FAQ
Chirongwa chepurogiramu chinogona kusiyana, asi vose vanopa zvimwechetezvo zvinobatsira.

• Vashandi vekumba vanofanira kukodzera chikwereti chinobvumira mari yezvipo.
• Izvo hazvina huwandu kana huwandu hunodiwa mari kune vanotenga, asi pane pangava nemiganhu yepamusoro inotengeswa pamutengo wekutengesa wemisha.
• Rubatsiro rwakafanana runoratidzika runotangira kubva pa1 kusvika ku7 muzana.
• Mari dzinogona kushandiswa pakubhadhara kubhadhara uye nekuvhara mari.
• Chipo chemari chinogona kushandiswa kumisha mitsva kana iripo.
• Mari isingashandisi inofanira kudzorerwa kune purogiramu yechipo.
• Mapurogiramu anobatsira haagoni kushandiswa kugadzirisa imba kana kuti kugadzirisa musha.
• Vatengesi havagoni kushandisa chipo ichi semupiro wezvipo, asi inogona kuderedzwa sekutengesa mari. Taura nemudzidzisi wemitero.

Mutengesi Inokurudzira

Musha vanotengesa kazhinji vanobhadhara dzimba dzavo kuti vawane imwe nzvimbo yekukurukurirana. Chinokosha kune vatengesi ndezera ravo rezasi - mari yakawanda inotora kubva patafura yekuvhara. Mutengi ane mari yekuvhara anogona kuwana mari iri nani mumba, apo mutengi anoda rubatsiro achabhadhara pedyo (kana kupfuura) mari inobvunza, asi mukudzoka anogona kutaurirana rubatsiro kubva kune mutengesi.

Izvi ndizvo zvatinotaridzira semutengo wekutengesa mutengesi. Kazhinji mutengi anobvumira mutengesi kubatsira kusvika kusvika 3% yemutengo wekutengesa. Muchikwereti chiduku, uyo mutengesi anobatsira anogona kuva 6%. Izvi zvinoreva kana uri kutenga imba inokwana $ 300,000, mutengesi anobatsira 3% anogona kukubhadhara iwe ne $ 9,000 kubhadhara mari yekuvhara.

Mari yekuvhara inobhadharwa semari yakasiyana yekutengesa uye haisi chikamu chemutengo wekutenga.

Chinhu chimwe chete chaunofanira kuchengeta mupfungwa ndechekuongorora kwekumba kweimba . Uyo anokweretesa haazobvumi mari yezvipo iyo inokonzera chikwereti icho chinopfuura kukosha kwekuverengwa kweimba. Kana uri kushanda nevaridzi venyika , anogona kukubatsira kuti uone kana imba yacho ichitsigirwa uye inotarisa kuti inofanirwa kupi.

Mutero wako anogona kukubatsira kusarudza purogiramu yekubhadhara pasi uye kutsanangura nzira yako yekupa iyo inofanira kunge yakanyorwa kuti uonekwe kutevedza mitemo yayo yekunyora pasi.

Yakagadziriswa naElzabeth Weintraub, Kutenga Kwekumba Kwekumba. Panguva yekunyora, Elizabeth Weintraub is Broker-Associate kuLyon Real Estate muSacramento, CA, CalBRE # 00697006.