FHA Energy Efficient Mortgages Inogona Kupedza Mutengo Wacho
Simba rekugadzirisa mari yakave yakapoteredza kwenguva refu, yakareba zvakakwana zvokuti vanhu vazhinji vakakanganwa pamusoro peiyo isingashandisi rudzi rwekubhadhara mari. Kana iwe uri kubvisa kutenga nzvimbo yekutsvaga nokuti imba ine chitubu chakare chinoda kuchinjwa, kana isina kuroorwa pane mahwindo uye iwe unoda mapaundi maviri, simba rinogona kushandiswa rinogona kunge riri mhinduro yako. Simba rinoshandiswa rekubhadhara mari rinogona kuiswa muhomwe yako iripo uye iwe unogona kushandisa mari iyo kubhadharira kushandiswa kwesimba kunobudirira.
Zviri nyore kuwana simba rekubhadhara mari. Vanokwereta vanogona kubhadhara mari 100% yezvinovandudzwa. Izvo hazvina chikonzero chekukwanisa kuparadzaniswa zvakasiyana nekuda kwekubhadhara mari nokuti mari yekuchengetedza simba inogona kukanganisa kuwedzera kwemari yekubhadhara mari. Izvi zvinoreva kuti hongu, uyo anokweretesa anoyera kuti muchachengetedza zvakadini pamashandisirwo enyu ekubhadhara mari nekuvandudza nekugadzirisa, uye munyori wechirungu angashandisa dhora iri mari kuderedza zvido zvako. Izvi zvakakosha kana mupiro wako kune chikwereti chikwereti chikwereti chave chave chiri pamutengo wakakwana wakabvumirwa kubhadhara PITI .
Mhando yeGadziriro Dzakagadziridzwa Zvakagadziriswa dzinogadziriswa kweMagetsi Ekubwinya Kwemari
Simba rekubhadhara mari rinofanira kukonzerwa nekuchengetedza mari yakawanda pamwedzi, uye kushandiswa kwesimba kunogona kuwedzera kukosha kweimba yako, kunze kwekubatsira kuchengetedza simba rinokosha. Heano mamwe mhando dzekuvandudzika kunogona kukodzera kuwana simba rekubhadhara mari:
- Kuchenesa uye kunotonhora zvirongwa
- Kuiswa muimba yepamusoro, masvingo, uye pasi
- Simba rine mahwindo akadai sewaini maviri
- Duct system installation nekugadzirisa
- Water heaters
- Simba rinoshandiswa zvakadai semashers, dryers, uye firiji
- Weatherization
- Itsva "inotonhorera" matenga
Mhando dzeMagetsi Zvakanaka Mahomweji
Zvinhu zvitatu zvinokosha zvezvikwereti zvinokodzera kuwana simba rekubhadhara mari.
Kunyange zvazvo mari yakawanda inogona kusiyana, zvichienderana nerudzi rwechikwereti, kusarudza kunobva pakuvandudzika kuderedza kushandiswa kwesimba, nokudaro kukanganisa mari yekuvandudza. Heano maitiro ezvikwereti zvinopa simba rekugadzirisa mari:
- Mari yechikwereti inowanikwa neFannie Mae naFreddie Mac
- FHA zvikwereti
- VA zvikwereti
FHA Inopa Popular Popular Energy Efficient Mortgage
Vakawanda veimba vatengi vanotora FHA zvikwereti nokuti zvishoma zvishoma pasi kubhadhara zvinoda chete 3.5% yemutengo wekutenga. Kana mari yekuvandudzika iri pasi pekukosha kwezvino kwemaoko akachengetedzwa, FHA ichakuita kuti uwedzere mari yekuvandudzirwa kwechikwereti chako. Izvo zvikwereti zvakanyanya zvebhadharo inofanira kuva yediki:
- 5% yehuwandu hweimba, kana
- 115% yemutengo wemuganhu weimba imwe chete yemhuri, kana
- 150% yekufananidza Freddie Mac
Pasinei nemitemo yeFHA, mabanki akawanda akavhara iyo inogadzirisa chikamu, iyo inotora pa $ 8,000, pamwe chete ne $ 2,000 zvekuregererwa.
HERS Reports uye FHA Energy Efficient Mortgage
Vatengi vanofanirwa kubhadhara chikwereti cheFHA vanozobvumirwa kubhadhara mari yekugadzirisa mari. Zvisinei, nzvimbo yacho inofanira kuongororwa kuti ivandudzike. Semuenzaniso, kana HVAC iripo iine makore mashanu chete, mari yehurongwa hutsva haikwanisi kukanganisa mari uye naizvozvo haikwanisi.
Simba rekugadzirira richagadzira HERS Mutengo wehupoti uyu unogona kusiyana pakati pe $ 250 ne $ 800. Dzimwe nguva mari yehupfumi yeHERS inogona kuiswa mune chikwereti. Nhoroondo yeHERS ichaita:
- Kurudzira maitiro ekuvandudza
- Verengera simba rekuchengeta
- Ongorora upenyu hwekuvandudza
Zano: Cherechedza kuti HUD mazano anopa mutengi mazuva 90 kuti apedze basa. Zvisinei, mabanki akawanda anoda kuti basa rive rakapedzwa mumazuva gumi nemana. Kana uchida kuronga mahwindo echimiro, somuenzaniso, iwe ungada kuve nechokwadi kuti mahwindo acho achasvika ndokuiswa mukati mewindo rezuva 14.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.