Tsanangudzo: Kungoita, chikwereti chemari chinotenga chikwereti chinoshandiswa kutenga imba. Mune dzimwe nzira, zviri nyore kurondedzera kuti mari yekubhadhara mari yakadini haisi. Haisi chikwereti chinotorwa mushure mokunge iwe uchitenga imba yakadai seimba yekuenzanisa chikwereti chekwereti kana chikwereti chekuwana chikwereti . Haisi refinance mortgage. Mari yekubhadhara mari inoratidzwa nekutendwa kwekutenda kana kubhadhara chikwereti chemutengesi kumba panguva iyo mutengi weimba anotenga imba.
Munhu anenge akwereta anogona kuwana mari yechikwereti kubva kubhangi, kuchengetera uye chikwereti, chikwereti chekweretheni kana mari yega yega, kusanganisira kubva kune mutengesi ari kutengesa imba . Kana mutengesi akwereta chikwereti kumutengesi, inonzi muridzi wemari , asi ichiri mari yekutenga.
Mari yechikwereti chakaoma ndeye chikwereti chinowanzoti hachina kuonekwa semari chikwereti chemari. Nemhaka yokuti chikwereti chinowanzopiwa zvichienderana nekuenzana muimba uye kwete kwete chikwereti chikwereti.
Vanilla Kusiyana Kwekushandisa Mari Yokubhadhara Mari
Nzira yakanakisisa yekuona chikwereti chako chekubhadhara chikwereti ndechokubvisa kubva pamutengo wekutengesa kukosha kwekubhadhara pasi , uye nhamba yakasara ndiyo chikwereti chemari. Chiyero chegoridhe chechikwereti chinowanzosvika 20% pasi uye 80% chikwereti, asi pane zvakawanda zvakasiyana-siyana zvezvikwereti zvinokonzera kubva pachiyero ichocho. Vatengi vakasununguka kuisa pasi chero mari ipi zvayo kupfuura 20%. Chero nokuti 20% inowanzoitika hazvirevi kuti mutengi haagoni kuisa zvakanyanya.
Mutengi anogona kugara achibhadhara zvakanyanya.
Kutengeswa Kwemagungano Kwemari Mari
Rudzi rwakawanda kwazvo rwekutenga chikwereti chikwereti chikwereti chenguva dzose . Aya marudzi ehokodhi anoshandiswa nemabhangi akawanda uye anotangwa nemabhangi kana kutengesa mari. Vanowanzoteerera Fannie Mae kana Freddie Mac mitemo kuitira kuti vagone kuiswa mumapuranga uye kutengeswa mushure mekuvhara mune yechipiri yemari yemari.
Kubhadhara mari inotarisirwa mari yechikwereti inowanikwa kubva kune zero kune vakakwereta vakwereka muzvikamu zvakasiyana kusvika ku3%, 5%, 10%, 15% uye 20% kana kupfuura.
Kana munhu akwereta akaoma zvakasimba paanosati, uyo anokweretesa angada kubhadhara chikwereti chakakwirira kudarika 20% kungoderedza chikwereti chekukwereta kuti chikwanise mukati mezvido zvinoda kuitwa. Iyi ndiyo imwe nzira iyo mutengi anogona kutenga nayo mari inodhura kune yakadarika kune akakwereta inogamuchirwa ne 20% pasi. Somuenzaniso, kana munhu akakwereta achibvumirwa kuti atore mari ye $ 80,000 ye $ 80,000, zvichibva pamadhora mazana maviri emadhora ekutengesa, asi akakwereta ari murudo nemba yemari iri pa $ 225,000, mutengesi unogona kuitika kana mutengi achiisa zvakawanda pasi.
Muchiitiko ichi, akakwereta aigona kugona kutenga $ 160 000 yekukweretesa mari nekugadzirisa musiyano pakati pe $ 225,000 uye chikwereti uye kuisa pasi $ 65,000.
FHA Kutsvaga mari yemari
Rudzi rwechipiri rwemhando yekutenga chikwereti mari ndeye FHA. Izvo zvishoma zvishoma zvekubhadhara zvinodiwa kweFHA chikwereti zvakanyanya kwazvo, iye zvino 3.5% yemutengo wekutengesa. Dzimwe nyika dzinopa mari yechipiri yekubhadhara kuti ibatsire nekubhadhara kwekubhadhara uye yekuvhara mari kuitira kuti akakwereta anogona kunyatsoisa pasi zero. FHA zvikwereti zvinopihwa neFederal Housing Administration, inotungamirirwa neIndaneti uye Urban Development.
Mumwe mutengesi haagoni kuwana chikwereti cheFHA. Zvose zvikwereti zveFHA zvinobvumirwa kune vakwereta vanozogara pamba.
VA Kutenga Mari Mari
Chetatu rudzi rwemhando yekubhadhara chikwereti mari ndeye VA, inowanika kune vanoita-uye vasina kushanda zvehondo uye avo vakaroorana mune imwe mamiriro ezvinhu. VA inomirira Veterans Affairs. A VA chikwereti inowanzosara, asi zvakare, munhu akakwereta anokwanisa kuisa pasi chero chiyero. VA zvikwereti zvinotsigirwa nehurumende. Vanokwereta vanongorambidzwa kubhadhara zvimwe zvikwereti mukutengesa kweA VA, uye VA inoda kuvhara dambudziko rakajeka.
Kana imwe chikwereti chemari chakatenga ichibhadharwa kuburikidza nekugadziriswa, hachisisiri kutenga mari mari yekubhadhara. Kugadziridza iko zvino mari yakaoma chikwereti. Chikonzero icho mwene weimba anofanira kutarisirwa ndechokuti kune dzimwe nyika, mari yakaoma mari yechikwereti inotora chikwereti kune akakwereta; asi, kutenga mari yezvikwereti zvingasaiti.