Chekutanga-nguva imba kutenga rubatsiro kubva kuhurumende, dzimba kutenga zvirongwa zvekubatsira. Kutenga imba kekutanga Zvinogona kutyisidzira kana iwe usingazive maitiro acho. Neraki, pane akati wandei federal aid kutenga imba uye mari dzekutanga-dzekutenga kumba dzinowanikwa kuti dzibatsire iwe kusvika kune yako muridzi wemba chinangwa zviri nyore uye nemari shoma kubva muhomwe.
Isu takanyora runyorwa rweasere-ekutanga-nguva ekutenga dzimba zvirongwa zvinofanirwa kunge zviri pane yako radaruye zvichave batsira kutenga imba , pano zvese rubatsiro rwehurumende rwekugara .
Pfupiso: Yekutanga Nguva Kumba Mutengi Zvikwereti uye Zvirongwa
zvirongwa zvehurumende zvekutenga imba
Ungatenga sei imba kekutanga, Hurumende Dzimba Dzinotenga Zvirongwa .Heano mamwe emamwe anobatsira ekutanga-nguva mutengi akweretesa zvikwereti uye zvirongwa iwe zvaungasvetuke kana iwe uchimhanyisa kuburikidza nemaitiro. Ivo vanogona kuwana yakawanda mari.
- FHA chikwereti : iyo isina kusimba chikwereti chikwereti chekumba chikwereti chirongwa.
- VA chikwereti : Iko hakuna kumberi zvikwereti kune vanokwereta nehukama hwehukama.
- USDA chikwereti : 100% mari mumamisha zvivakwa.
- Fannie naFreddie : zvakajairwa zvikwereti zvine 3% chete pasi yekubhadhara.
- Hurumende Yekutanga Nguva Yekutenga Imba Chirongwa : rubatsiro chairwo kune vagari.
- Kuvandudza chikwereti nzvimbo yekugara: tenga imba nekugadzirisa nechikwereti chimwe chete.
- Muvakidzani Akanaka Anotevera Suo : Zvikwereti pamutengo weimba kune vekutanga vapindura uye vadzidzisi.
- Dzimba Dzedhora : Dzakatorerwa dzimba dziri kutengeswa nehurumende.
FHA chikwereti
Iyi ndiyo yekuenda-chirongwa kune vazhinji maAmerican, kunyanya kekutanga vatengi vepamba uye avo vane nhoroondo yechikwereti iyo iri… ngatitii havana kugadzikana. Iyo Federal Housing Administration inovimbisa chikamu chechikwereti chedzimba cheiyo FHA , kusunungura vakweretesi kuti vawedzere maitiro avo ekugamuchirwa. Ichitsigirwa neiyo FHA, vanokweretesa vanogona kukodzera zvikwereti zvine zvishoma se3.5% pasi.
FHA zvikwereti zvine imwezve yekutanga uye inoenderera mutengo wakavakirwa mu: miripo yeinishuwarenzi yechikwereti. Izvi zvinodzivirira mugove wemukweretesi wechikwereti muchiitiko chekutadza.
VA chikwereti
Iyo United States Dhipatimendi reVeterans Affairs inobatsira nhengo dzevashandi, veterans uye vakaroora vapenyu kutenga dzimba. VA zvikwereti zvinopa zvakanyanya, kazhinji zvisingade kubhadharwa pasi kana inishuwarenzi yembage. Asi sekuwanda kwemauto, nzira yekuvakira yakavakirwa kunyatsoita, kwete kumhanya.
Nepo iyo VA ichingova nezvinodiwa zvishoma zvezvinhu zvakaita sechikwereti chakakwana nemari, VA vanopa mari vanogona kuwedzera yavo yekuwarira kana zvimwe zvinodiwa.
USDA chikwereti
Izvi zvinogona kukushamisa iwe. Iyo United States Dhipatimendi Rezvekurima ane chirongwa chekubatsira mutengi kumba. Uye kwete, haufanire kugara papurazi. Chirongwa ichi chakanangana nenzvimbo dzekumaruwa uye chinotendera 100% mari nekupa vanokweretesa mogeji vimbiso. Kune miganho yemari, iyo inosiyana nedunhu.
Fannie naFreddie
Vanonzwika kunge echinyakare 70s dombo bhendi, asi Fannie Mae naFreddie Mac ndivo mainjini kuseri kwemuchina wechikwereti wemba. Aya makambani anotenderwa nehurumende anoshanda nevemunharaunda vanokweretesa mari kuti vape dzimwe sarudzo dzinoyevedza pane zvakajairwa zvikwereti, senge iyo 3% yekubhadhara pasi.
State Kutanga Nguva Yekutenga Mapurogiramu Zvirongwa
Pamusoro peizvi zvirongwa zvepasirese, hurumende zhinji nedunhu dzinopa rubatsiro kuvatengi vekumba. Ongorora runyorwa rweNerdWallet yenyika yenyika-nguva-yekutanga mapurogiramu ekutenga kudzidza zvakawanda.
Zvirongwa zvekugadzirisa dzimba
Heano mamwe mapurogiramu anotendera iwe kuti utenge dzimwe dzimba dzemari yako.
- Chirongwa Simba Rinoshanda Mogeji Wedzera simba rako rekukwereta iwe paunotenga imba ine magetsi-ekuchengetedza kukwidziridzwa kana kusimudzira zvakasvibirira zvemumba. Kana iwe uchikodzera kuwana imba chikwereti, iwe unogona kuwedzera iyo EEM bhenefiti kune yako yenguva dzose mogeji. Izvo hazvidi kuongorora kutsva kana kukanganisa huwandu hwemubhadharo wako wekutanga. Chirongwa ichi chinongobvumidza mukweretesi wako mukana wekuwedzera miganho yemari yechikwereti kuvandudza kushanda nesimba.
- Iko kune zvakare FHA 203 (k) zvikwereti, zvakagadzirirwa vatengi avo vanoda kugadzirisa yepamusoro fixer. Iyi yakakosha FHA-yakatsigirwa chikwereti inofunga izvo izvo chivakwa chichava chakakosha mushure mekunatsiridzwa uye inokutendera iwe kukwereta mari kupedzisa chirongwa sechikamu chako chekutanga mogeji.
Aya mapurogiramu echikwereti akagadzirirwa vatengi avo vanoda kugadzirisa zvakanyanya.
- Iyo CHOICE Kugadziridza chikwereti chirongwa cheyakajairwa chikwereti kuburikidza naFreddie Mac iyo inokutendera iwe kuti uwane mari yekutenga imba uye mutengo wekuvandudza, zvakare, uine yakaderera pasi kubhadhara.
- HomeStyle yaFannie Mae ndeimwe sarudzo yechinyakare yevaridzi vedzimba uye mapurojekiti ekugadzirisa. Iyo 3% yekubhadhara pasi inowanikwa kune vekutanga vatengi vemba.
Muvakidzani Akanaka Anotevera Suo
Ichi chirongwa chakatanga kunzi Mudzidzisi Next Door Chirongwa, asi chakawedzerwa kuti chibatanidze vatevedzeri vemitemo, vanodzima moto, uye vehunyanzvi vezvekurapa zvechimbichimbi, ndosaka zita rakanakisa rekuti Muvakidzani Akanaka. Iyo HUD inotsigirwa chirongwa, iyo inobvumidza kudzikiswa kwe50% kubva pamutengo wemazita ari mukati nzvimbo dzekumutsiridza . Hongu, pakati.
Ndiani anoziva? Iwe unongofanirwa kuzvipira kugara muchivakwa kwemwedzi inokwana makumi matatu nematanhatu. Idzi dzimba dzakanyorwa, kwemazuva manomwe chete, pane webhusaiti yekutengesa Muvakidzani Akanaka Anotevera Suo .
Dhora dzimba
Izvi zvinoita seimwe yeaya akanonoka madhiri eTV, asi HUD inoti inopa $ 1 dzimba izvo zvakawanikwa neiyo FHA kuburikidza nekufungidzira. Pasina mubvunzo kutaura, iri iboka diki redzimba. Pakutarisa kwekupedzisira, chete mashoma mashoma ezvinyorwa akaonekwa pawebhusaiti. Sezvineiwo, imba yatakaongorora muboka reDollar Home yakaratidzika kunge iri pachinyorwa che $ 17,900. Hatina chokwadi kuti chii, asi ndokumbira utenge nokungwarira.
Kushandisa chimwe chezvinhu izvi kunogona kukubatsira kutenga imba nemari yepasi, kudzikisa chimbadzo, kana kutowana chibvumirano munharaunda yako. Ipapo iwe unogona kuve nemhemberero yako yekuvhura mumba mako mutsva.
Ndiani anokodzera kutanga-nguva mutengi mapurogiramu zvirongwa?
Batsira kutenga imba kekutanga .Mazhinji mapurogiramu ehurumende neasina purofiti ane tsananguro yakasimba yeiyo yekutanga-nguva mutengi. Kana iwe usati uine chero mhando yeimba mumakore matatu apfuura, iwe unofungidzirwa sewekutanga nguva mutengi.
Iwe haugone kuwana kekutanga-nguva yeimba yeimba mabhenefiti kana iwe uine yako yekurendesa kana yekudyara pfuma, kunyangwe kana usinga garemo. Kana iwe ukasarudza chikwereti chakatsigirwa nehurumende, senge chikwereti cheUSDA kana chikwereti cheFHA, ramba uchifunga kuti imba yako inofanirawo kusangana nemimwe mitemo usati wakodzera. Hurumende uye dzemunharaunda zvirongwa zvehurumende zvakare zvinowanzo kuve nemitero yemari.
Kubviswa kwemitero uye zvirongwa zvinotsigirwa nevashandirwi zvinowanzo shanduka. Iwe unogona kutora yako yemubhuwarisi yeimba pamba pako wega kana uine zvimwe zvivakwa. Mushandirwi anotsigirwa zvirongwa zviri chose pahungwaru hweiye mushandirwi uye nyika inotsigira kana paine imwe.
Vazhinji vashandirwi-nyika kudyidzana zvirongwa zvinoshandisawo wemakore matatu mutemo, zvinoreva kuti iwe unogona kutariswa semutengi-wekutanga mutengi wemusha kana usina imba yekutanga pekugara kweanenge makore matatu usati watenga.
Pfupiso
Chekutanga-nguva vatengi vemba vanowana mikana yakawanda, zvikwereti, uye rubatsiro rwemari izvo zvinogona kuita kuti kutenga imba kuve nyore. Kekutanga nguva yekutenga rubatsiro pamba inogona kusanganisira rubatsiro nemari yekubhadhara pasi uye yekuvhara, makadhi emitero, kana dzidzo. Iwe unogona kukwanisa kuwana rubatsiro kubva kune yako yemuno, nyika, kana federal hurumende kana iwe ukasangana nemari yemitero.
Mapurogiramu ekupa rubatsiro, masangano asingabatsiri, uye vashandirwi aripowo. Aya mapurogiramu anosiyana nehurumende, asi iwe unogona kuwana zvirinyore zvirongwa zvaunokodzera kuburikidza newebsite yeHUD. Semutengi kekutanga nguva, haugone kuve uine chivakwa mumakore matatu apfuura.
Disiki: Ichi chinyorwa chine ruzivo.
Redargentina haipe wezano repamutemo kana repamutemo, uye haina kuitirwa kutorwa sezano repamutemo.
Muoni / mushandisi weiri peji rewebhu anofanira kushandisa ruzivo rwuri pamusoro chete segwara, uye anofanira kugara achibata kune zviri pamusoro kana vamiririri vehurumende yemushandisi kuti vawane ruzivo rwepamusoro-soro panguva iyoyo, vasati vatora danho.
Zviri Mukati
- Pfupiso: Yekutanga Nguva Kumba Mutengi Zvikwereti uye Zvirongwa
- FHA chikwereti
- VA chikwereti
- USDA chikwereti
- Fannie naFreddie
- State Kutanga Nguva Yekutenga Mapurogiramu Zvirongwa
- Zvirongwa zvekugadzirisa dzimba
- Muvakidzani Akanaka Anotevera Suo
- Dhora dzimba
- Ndiani anokodzera kutanga-nguva mutengi mapurogiramu zvirongwa?
- Pfupiso
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- Marii yandinoda kutenga imba?
- Zvinodikanwa zveKuroora Kuroorwa muUnited States
- Maitiro Ekuwana Mahara Chikafu Chitambi Mabhuku Netsamba
- Ndingaite Sei Kuti Nditenge Imba Kana Ini ndisina Zvemagariro Chengetedzo?
- Zvinodiwa Kuti Utenge Imba MuFlorida