IFHA yakasimbiswa muna 1934 sezvo nyika yakanga ichibva kuThe Great Depression . Sezvimwe chikamu cheNational Housing Recovery Act, nheyo mushure meSweden Housing Administration (FHA) yakange iri nyore - kuumba varidzi veminda vakawanda.
Imba 4 muzana gumi ndiyo yaiva varidzi vepamba panguva iyoyo uye yaifanira kuchinja.
Dambudziko racho rakanga risina ngozi. Mari yepamusoro yakanga isiripo mune zvakawanda zvakakwana. Musha wekumba unobatsira kukura kwehupfumi, inobatsira kugadzira mharaunda uye inopa kugadzikana kune vavakidzani.
40% muimba yevanhu vanobatanidzwa havazoiti - ikozvino kana ikozvino - kukurudzira kukura kwenguva refu nekubudirira kwehupfumi.
Izvo, izvo zvaive zvisingatenderi padzimba dzega, zvakaputsika uye zvinoda kugadziriswa. FHA yakaita izvozvi uye inogona kungofungidzirwa kuti yakabudirira zvikuru.
Pakazosvika 2001, imba yeimba yeimba yeimba yaive yakwira kusvika kune imwe nguva yakakwirira ye 68.1 muzana. Mumakore makumi masere kubva apo FHA yakasikwa yakawanda yakachinja uye maAmerica iye zvino iye zvino ari vanhu vakanakisisa-vanogara munyika.
Funga izvi, iyo Federal Housing Administration (FHA) ndiyo inotakura chikwereti chebhadharo munyika. Cherechedza kuti "inshuwarisi" yakashandiswa panzvimbo pekuti "chikwereti" mumutongo wapfuura. Izvi zvinoreva kuti FHA haina kukweretesa mari, vanoidzivirira. Vanowedzera ngozi.
FHA inobatsira kutora chikwereti chekubhadhara chikwereti nekusimbisa mari yedu yekubhadhara chikwereti nemabhenji pamusoro peimwe ngozi iyo inobatanidzwa nokukweretesa kune vakweretesa vari kutenga imba yavo yekutanga kana kuti vachibva kune chikwereti chikuru chinokonzera chikwereti.
Pasina Federal Federal Administration vanhu vakawanda veAmerica - zvichida vabereki vako kana vanasekuru nababa vanobatanidzwa-vangangodaro vasina kukwanisa kutenga chikamu cheAmerica kurota.
Kubvira muna 1934, FHA neHUD vakachengetedza mari dzinodarika mamiriyoni 34 emari uye 47 205 mishonga yekugadzira mishonga.
Pari zvino, iFHA ine mamiriyoni 4,8 akachengeterwa mhuri dzisina mari uye gumi nezviviri zvigadzirwa zvehupfumi mumapurisa ayo
Nheyo dzakatungamira FHA kubva pakugadzirwa kwayo dzichiri kunyanya kushanda nhasi. Mamwe emashoko acho angave akasiyana, asi basa iri richiri rakafanana neyaive makore 80 akapfuura:
"... kusimbisa hukama hwakasimba, hunochengetedzeka, huri pakati pevanhu uye misha yakakwana yevose"
Saka, vanozviita sei? Vanozadzisa sei zvinyorwa zvavo zvekutumira mumakore anodarika makumi manomwe gare gare muna 2015?
Zvose zvinotanga nekubhadhara pasi.
FHA Inoda chete 3.5% Kure
Kune vashandi vemazuva ano, kune vashomanana bedding mortgage izvo zvinobvumira pasi-kubhadhara zvishanu kana kuti zvishoma. IFHA imwe yeiyo.
NeFHA chikwereti , iwe unogona kubhadhara chikwereti chiduku se 3.5%. Izvi zvinobatsira kumusha vatengi vasina mari yakawanda yakachengeterwa pasi kubhadhara; uye, kumusha vanotenga avo vangada kuchengetedza mari yekuendesa mari, mari dzinoshamiswa, kana zvimwe zvidikanwi.
Pane zvikwereti zvishoma zvekubhadhara chikwereti nechikwereti cheFHA uye sangano rinobvumira chikamu chako che3,5% chekubhadhara chinouya sechipo chinobva kune nhengo yemhuri, mushandirwi, sangano rinokubatsira kana purogiramu yomubati wehurumende.
FHA Chikwereti Chikwereti Chine Flexible
Kune munhu ane chikwereti chechikwereti kupfuura 580, FHA inogona kukupa chikwereti chekubhadhara zvakaderera zvakaderera se 3.5 muzana.
Kana iwe une dambudziko guru rekubhadhara chikwereti - kubhadhara, kufambisa, kutengeswa pfupi kana chiito-mu-nzvimbo - munguva yakapfuura, FHA inogona kunge iwe iwe sarudzo yako chete kana iwe uchida kutenga.
Sangano reimba, FHA inoparidza uye inochengetedza zvigaro zvigadziriswa zvinoda zvose zvikwereti zvinowedzera. Zvisinei, FHA anokweretesa kusimudzira zvido zvinowanikwa paFHA zvikwereti, inozivikanwa se "vashandi vezvemari."
Muenzaniso wevatengesi vezvemari inosanganisira kukwidza huwandu hweFHA hwekutora chikwereti chinodiwa; kana, kutsvaga nguva yakawedzerwa kubva pakubhadhara, kushambadzira pfupi, kana kufanirwa; kana kuti kudikanwa kwebasa kwekutsvaga kweFHA Streamline Refinance transaction.
Iwe unogona kuwana chikwereti cheFHA kana uchangobva kuwana kutengeswa pfupi, kufanirwa kana kukanganisa kuburikidza neFHA Rekuenda kuHurumende.
Dzimwe nguva, nguva yekumirira inodiwa, asi kwete nguva dzose. Zvichienderana nemamiriro ako ega, iwe unogona kukwanisa kutenga imwe imba uchishandisa FHA kubhadhara pakarepo.
FHA Mortgage Insurance Premiums
Zvingaita sezvisinganzwisisiki kudana FHA mortgage inshuwarisi yebatsiro sezvo isingauyi yekusununguka, zvisinei, FHA MIP ndiyo inoita kuti chirongwa cheFHA chiboneke. Pasina MIP, vatengi veFHA-vakabvumirwa havazove nechikonzero chekuita zvikwereti zveFHA-inshuwarheni.
Mashoko akanaka ndeokuti, semuridzi wemba kana mubhadhadzi wemba, yako FHA MIP mazinga akadzikisa. Nhasi mari yeFHA MIP ikozvino yakaenzana nemakore makumi mashanu (0.50%) inopera gore negore kupfuura yaive muna 2014.
Uyewo, une nzira dzekuderedza zvaunofanira kuita muFHA MIP gore negore kusanganisira kushandisa makore gumi nemashanu ekutengeserana kwekwereti yako; kana kuti, kubhadhara mari inenge 5 muzana.