Mubvunzo: Tinofanira Kuita Refinance yeHARP kana Kutengesa Pfupi Imvura Yedu yeMvura?
Muverengi anobvunza kuti: "Ini nemurume wangu tiri kuedza kuongorora kana tichifanira kuedza kutengesa imba yedu sekutengeswa pfupi kana kuisa pairi uye kushanda kwehurumende yeHARP kugadzirisa purogiramu. asi isu tinoda pfungwa yekuderedza mari yedu yekubhadhara chikwereti. Tinofanira kuita madhora mazana matatu emadhora mazana matatu, uye apo kukosha kwemusha wedu kunenge madhora 165 000, mutero wedu wekubhadhara vanoti tinokwanisa kuchengetedza $ 635 pamwedzi kana tikakwanisa kugadziriswa kweHARP. Tinofanira kuita kugadziriswa kweHARP kana kutengeswa pfupi ? "
Mhinduro: Kana muridzi weimba anofanira kupfupika kutengesa maererano neHRP kugadziridza haisi iyo yakatemwa uye yakaoma. Ichokwadi, mumatambudziko akawanda, manzwiro angaita kuti mwene weimba angave ari nani mumakore maviri mushure mekutengeswa kwemashure kudarika mushure mekuvandudzwa kweHARP, asi pane zvinhu zvizhinji zvokufunga nezvazvo usati waita chisarudzo.
Chokutanga uye chinonyanya kukosha ndechekuti iwe uchakodzera chero chirongwa. Mabhengi akawanda ekutengesa maduku akasunungura zvido zvekutengeswa pfupi, uye kwete mubhadhari wese anoda mari, kunyanya mushure me2012. Zvisinei, kana bhanhire rako richida dambudziko rezvemari uye iwe haugone kunyora dambudziko, iwe ungasave wakakodzerwa nekutengeswa pfupi zvachose. Ndeipi inogona kuita kuti mubvunzo wacho uve mhedziso, zvakanaka?
Saka, chinhu chokutanga chandinokurudzira kuti uite ndechekutaurirana neavo vatengesi venguva shoma kuti uone kana iwe uchakwanisa kutengeswa pfupi. Funga nezvehurumende HAFA purogiramu yekutengesa pfupi kana kutengeswa kwenguva pfupi kunopesana.
Asi kana iwe uchienda nenzira yeHAFA, iva nechokwadi chokuti iwe unoda chaizvo kuita kutengeswa pfupi usati wabvunza HAFA. Vamwe vanokweretesa havazokubvumi kuti mudzoke zvakare kana iwe uchifanotanga, kana iwe uchifanira kuchinja pfungwa yako paunogamuchirwa.
Zvakakosha kuziva kuti haugone kuita zvose. Unofanira kusarudza imwe purogiramu. Zvichida Refinance yeHARP kana kutengeswa pfupi.
Kufanirwa kweHARP Refinance
- Kusingana kune Fannie Mae uye Freddie Mac zvikwereti.
Purogiramu yeHURP yekugadzirisa inoshanda chete kune zvikwereti zvakachengetwa naFannie Mae kana Freddie Mac. Kana chikwereti chako kwete Fannie Mae kana Freddie Mac, iwe haugoni kukodzera. Iwe unogona kuziva kana chikwereti chako chiri Fannie Mae kana Freddie Mac nokuenda kune Fannie Mae Loan Tarisa Up kana Freddie Mac Loan Tarisa Up. Iwe uchada kuziva iyo yekutanga chikwereti manhamba mana ekupedzisira e Social Social number.
- Mari inotangira June 1, 2009 kana yapfuura.
Kana iwe wakatora chikwereti musi waJune 2, 2009 kana kuti gare gare, iwe haufaniri kukodzera kuHIV Refinance. Izvo hakuna zvoga panguva ino asi izvo zvinogona kuchinja.
- Zvinopfuura 80% LTV
Kana imba yako iri pasi pemvura, yako LTV ( chikwereti-ku-value ratio) ichadarika 80% yemari yemari - nokuti kukosha kwemusika kazhinji kunopfuura kudarika chikwereti chako. Vanhu vazhinji havana chinetso nechokufananidzira.
- Kwete kubhadhara nguva.
Kunyange zvazvo chirongwa cheH HARP Refinance chichibvumira chimwe chikwereti chekupedzisira mumwedzi 12 yakapfuura, vatengi vanokweretesa havazoiti chikwereti kumunhu anenge akwereta anenge ari kudarika, pasinei nemitemo ye HARP. Izvi zvinowedzera zvikwereti zvinokanganisa izvo zvinogona kusiyana kubva kune izvo zvakarongwa mumutambo zvinonzi kudarika.
- Chokutanga HARP ichigadzirisa.
Kunze kwekuti mitemo ishanduka, uye nechinguva chiduku, iwe unogona kuita imwe chete yeHARP yokugadzirisa uye, kana wapiwa, haugoni kuchinja kuburikidza neH HARP zvakare. Zvisinei, kana mushure meRF Refinance, une matambudziko ekubhadhara, iwe unogona kugara pane imwe nguva inotevera inoshandiswa kwekutengeswa pfupi.
HARP Refinance Vs. Short Sale
Nzira dzekutengesa shoma dzekutsvaga imwe imba mushure mokutengeswa kwemazuva mashoma inowanzo makore mashanu kune chikwereti chairo uye makore matatu kune FHA chikwereti . Ngatiti iwe wakatengesa shoma panzvimbo uye wakatengesa imba yako. Izvo zvipingamupinyi kutengeswa kwemafupi ndezvekuti:
- Iwe hausisina imba.
- Iwe unofanira kutamira kune imwe nzvimbo uye kuva renter.
- Iwe unogona kubuda kunze kwekwako.
- Iwe ucharasikirwa nemubhadharo wako wemutero wekuva neimba.
- Hapana chivimbiso chokuti iwe uchakodzera mumakore matatu kutenga imwe imba nokuti mamiriro ega ega anochinja uye mitemo inoshanduka.
Kana ukasarudza kusarudzwa kweH HARP, mumakore maviri, iwe uchachengetedza $ 15,240 ($ 635 mutengo wekubhadhara x mwedzi 24). Mumakore matatu, iwe uchaponesa zvakare, $ 22,860. Iko kukosha kwekutengesa kwekuwedzera kweimba yako kuti uite nokuda kwekuti iwe une chikwereti che $ 300 000 pamusha unokosha $ 165,000?
Zvinogona kunge zvisina basa. Chikonzero icho chingave chisina basa ndechekuti iwe unogona kunge usingadi kutengesa. Izvi zvinoreva kuti iwe ucharamba uchibhadhara pamusha kusvikira wakabhadhara $ 300,000 chikwereti.
Kana ukasarudza kutengeswa pfupi, zvakadaro, pamagumo emakore matatu, unogona kukwanisa kutenga imwe imba. Kana iwe uchitenda mutengo wemusha ucharamba wakanyatsogadzikana munguva ino, izvi zvinoreva kuti iwe unogona kutenga imba seimba yako yaunotengesa, kunze kwemazuva ano yekutengeswa kwemari ye $ 165,000. Kunyangwe kana zvikwereti zvezvikwereti zvakapetwa kaviri, kubhadhara kwako kwaizoramba kuri kuderera kudarika kubhadhara iwe kuripa nhasi.
Asi kune vamwe vanhu, haisi nyaya yekufungidzira kana kugadzirisa zvemari. Uye ndizvo zvakanaka, zvakakwana. Vanhu vanowanzozvitenga zvivako pahupenyu uye vanogara mumusha iwoyo zvichienderana nemanzwiro. Usamboti uchinetseke kana iwe ukasarudza kugadziriswa kweHARP pamusoro pekutengeswa pfupi. Chero chisarudzo chipi zvacho chaunosarudza ndicho chisarudzo chakanaka kwauri.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.