Kunyange zvazvo vose vanogona kukwereta vakasiyana, iwe unogona kuva chikamu cheboka riri kuita chisarudzo pakati pekuderera kwepasi-pasi kwakapiwa neFHA kana kutsika kwepamwedzi kwemazuva ose ayo maitiro anowirirana ekubhadhara mari anowanzopa kana achienzaniswa neFHA kutsigirwa.
Pamusana pekushayikwa kwe inshuwarisi yehurumende, zvikwereti zvinowanzoitika ndezvengozi yakakwirira kune vateresi.
Nokudaro, kana iwe uchida kubhadhara mari yako itsva yekutenga nemari yakakokwereta, iwe unowanzosangana nezvikwereti zvakanyanya zvekubhadhara uye mari inowanikwa kune avo vanobhadhara mari yavo vachishandisa FHA kana VA mortgage .
Kana iwe uine chikwereti chakanaka, mari yakakwana uye inogona kubhadhara mari yekubhadhara, zvikwereti zvinowanzopiwa zvikwereti zvinowedzera kupa mubhadharo wepamusoro kune vavanotsi varo vehurumende.
Inogonawo kuva nyore uye iri kukurumidza kuvhara kune vavanotsigira hurumende.
Kunyange zvazvo FHA zvikwereti zvinoda dzimba kuti dzikwanise kugadzirisa zvakakodzera mitemo yakatarisana kusvika pamutengo, nzvimbo uye kugarako zvinotarisirwa, vatengi vanowanzogadziriswa havasi kusungwa nemirairo yakafanana yehutungamiri.
Nokudaro, vateresi vanogona kuwanzogadzirisa zvikwereti zvekare zvinowedzera nokukurumidza kupfuura hurumende-inshurensi mari. Uyewo, iyo yakaderera kubhadhara chikwereti chekubhadhara chikwereti chinokubatsira kuti uite nekuenzanisa nokukurumidza.
Zvizhinji zvezvikwereti zvekare zvinoda kuti iwe udzorere chikwereti chakazara chezvikwereti pane zvakasarudzwa zvinotora chikwereti pane makore makumi matatu.
Iwe unogonawo kusarudza kugadziriswa-kutora chikwereti icho chikwereti chechikwereti hachina kugadziriswa, asi pane zvakasungirirwa kune yezvino yemari yemari. Munhu akwereta ane chekugadzirisa-kutora chikwereti angatarisira kuti chido chake chekuita chiwedzere kuchinja nguva nenguva.
Purogiramu Yokutenga Inoenderana Nayo inosarudzo huru apo iwe unotarisa kutenga musha mutsva semuzinda wekutanga, imba yechipiri kana yekusimisa pfuma. Chenjerera, kunyange, zvitatu zvekugara zvinouya nemitemo yakasiyana-siyana uye mirayiridzo pamusoro pekuti inofanira kunyorwa sei.
Kufanana nehomwe yekutengesa zvinyorwa pasi pekunyorwa kwemashoko, sezvo iwe uchifambira mberi pamwero wekutengesa kubva kumusha wekugara kusvika kune imwe nzvimbo yekutsvaga, iyo mirayiridzo inowirirana pamusoro pemumwe.
Tsananguro yekunyorwa pasi pasi kweFannie Mae naFreddie Mac yakasimbiswa. Nenzira yakawanda, mazano ezvinyorwa zvinotarisirwa kune vose vanokwereta kuti vasangane nezvimwe zvikwereti zvekwereti, mari, basa remabasa, chikwereti chemari uye mari shoma pasi.
Pasi apa pane zvishoma zvezvinhu zvinokweretwa nemunhu anokweretesa paanofunga nezvekubhadhara mari.
Mari yako yose yegore negore
Mari yako yose yakawandisa pamwedzi
Nhoroondo yako yebasa
Chikwereti chako chikwereti uye nhoroondo yekubhadhara
Zvinhu zvako (kutarisa, kuchengetedza, uye kubhadhara mabhuku)
Chimwe chinhu chisingazivikanwi pamusoro pekugadzirwa kwemazuva ano ndechekuti iwe unoda 20% zvakaenzana kuitira kuti uwane. Ichokwadi chaicho chekubhadhara mari inokubvumira kuti uite zvishoma nezvishoma se 5% zvakaenzana pamwe nekubhadhara mari, mwedzi wegore, kana mutero wakabhadhara mortgage inshuwarisi.
Sei Chirongwa Chekubhadhara Chikwereti Chakanyanya Kukuru?
Purogiramu Yokutenga Yakasangana ine purogiramu yakakwikwidza zvikuru kana ichienzaniswa nezvimwe zvirongwa zviripo. Izvi zvinogona kuita musiyano mukuru mubhadharo yako yepamwedzi yekubhadhara mari uye kunyange kufarira iwe uchabhadhara pamusoro pehupenyu hwechikwereti.
Iwe unyanzvi hwekubhadhara mari inofanira kujekesa uye kuratidza zvakajeka kubatsirana uye kukanganisa pakati pezvikwereti zvekubhadhara zvikwereti uye izvo zvinopiwa neFederal Housing Administration (FHA), Veterans Administration (VA) uye Dhipatimendi reMari reUnited States (USDA).
Izvo zvataurwa, ngatitaurirei zvikwereti zvinowanzoitika zvinowanzopa zvakawanda zvakawanda.
Nechikwereti chakakosha, izvo zvinosanganisira zvikwereti zviviri zvakaenzanirana uye zvisina kufanana, unogona kuisa maoko ako pane zvakakosha kubva kune ARM-mwedzi 1 kusvika kune makore makumi matatu, uye zvose zviri pakati.
Saka kana iwe uchida kwemakore gumi akachengetwa, kana ARM yemakore manomwe, makore makumi maviri nemakumi maviri akashongedzwa kana chero chii, chikwereti chinowanzogadzirisa chinogona kupa icho chekutenga chikwereti uye uve nzira yaunoda kufamba nayo.
Chimwe chezvekuwedzera kune zvikwereti zvekare ndezvekuti zvinowanika pane yakawanda zvikuru bhangi rimwe nerimwe uye kune chikwereti munyika. Izvozvo zvinoreva kuti iwe unogona kushandisa chero bhengi raunoshuva uye / kana kutenga muzinga wako zvakanyanya. Havasi vese vanokweretesa vanopa FHA michina, saka iwe ungave wakagadzikana mune izvi.
Uyezve, zvikwereti zvinowanikwa zvinogona kushandiswa kubhadhara mari chero ipi neipi, asi dzimwe dzimba dzekodhi (nedzimwe dzimba) hazvibvumirwi neFHA kubhadhara.
Kunyange zvazvo chirongwa ichi chakanyanya kuoma kukodzera, unofungidzire, kunyanya kana iwe uine mukana mumba mako, pamusoro pemari yechikwereti, kana kuti unoda kudzivisa mortgage inshuwarisi.
Ndeipi Icho Chiitiko Chekufanirwa Nekudiwa?
Ndapota cherechedza kuti mamiriro ako ega angave akaenzana uye urongwa huri pasi apa hahurevi kutora zvinyorwa zvakakumbirwa neunyanzvi hwekubhadhara mari uyo akazvinyatsoongorora mamiriro ako ega
Chikwereti chiduku chekero 640 (620 chingabvumidzwa mune dzimwe mamiriro)
Chero chikwereti chekuwana mari pasi pe 45%
Chikwereti chekugara kusvika kune mari pasi pe35%
Hapana chiitiko chekupedzisira chekunyadzisa chikwereti - kubhadhara, kufanirwa kana kutengeswa pfupi
Unoda kutsigira chekubhadhara kwako pasi uye kuwana mari kubva kune yakabvumirwa, yakanyorwa sedhaka
Inonzwisisika mari, inowanikwa makore maviri anokosha, pamwe chete nevevakapedza kudzidza uye zvimwe zviitiko zvikuru zvehupenyu