Chekutanga-nguva zvirongwa zvevatengi vekumba muFlorida , Kutenga imba muFlorida kunogona kunge kwakaoma. Kugoverwa kwakasimba, uye kudiwa uye mitengo iri kuwedzera.
Kana iwe uri mutengi wemba na kekutanga muFlorida Kufambisa maitiro, kunyanya chikamu chemari, kunogona kuita sekuwandisa.
Asi pane rubatsiro uripo rwunozoita kuti nzira yacho ive nyore uye iwe unogona kuisa kutenga kweimba mukati memari kusvika. Mhando dzakasiyana dze munharaunda, nyika uye federal zvirongwa kune vekutanga-vatengi vemba, kunyanya iyo Florida Housing Mari Corp. ., Ine zviwanikwa zvichibva kumazano emari uye kuraira kune anodhura mapurogiramu echikwereti.
Chip White, maneja anotenga dzimba kuFlorida Housing Finance Corp., anozivikanwa seFlorida Housing, akati matambudziko akatarisana nevatengi vekuFlorida mudzimba ndeavo vatengi vanoziva kubva kune dzimwe nyika vanoziva, kunyanya kukwira kwemitengo nekushomeka kwekupa mune dzimwe nzvimbo dzenyika.
Zvirongwa zvakaita seFlorida Housing, rinova iro rehurumende rinoona nezvedzimba, uye zvimwe zvirongwa zvehurumende zvinoshanda nevanobvumidzwa vanopa mari kubatsira vatengi venguva yekutanga muFlorida nemari inodhura.
Iwo mapurogiramu anopawo rumwe rubatsiro rwemari, kusanganisira magrants (mari isingafanire kudzoserwa) uye kumwe kuwedzera kunowedzera kudzikisira kubhadhara uye mutengo.
Mutengo wepakati wemhuri imwechete-yemhuri muFlorida muna 2020 yaive $ 264,000, sekureva kwa Florida Realtors , Sangano rinomiririra Florida real estate brokers.
Nyanzvi munyaya dzezvehupfumi dzakafanotaura kuti vanhu zviuru mazana matatu nemakumi matatu nenomwe, vanozoenda kuFlorida gore rino, vanhu vanosvika mazana mapfumbamwe pazuva. Vazhinji vavo vachada kutenga dzimba. Naizvozvo, iyo yekumusoro tsika mumitengo ingangoenderera.
Kuziva izvo zviwanikwa zviripo zvekukubatsira iwe kuti unzwisise uye kugadzirisa musika wakaoma zvinoita kuti maitiro acho asanyanya kuremedza uye akubatsire iwe kuti uende kumba kwako kwekurota.
Zvinoreva zveFlorida Homebuyer Zviwanikwa
Chekutanga nguva imba mutengi zvirongwa Sezvo iwe uchitsvaga sarudzo dzekugara, iwe uchaona akawanda mazita anowirirana nemasangano, zvirongwa, uye zvigadzirwa. Kugadzira pfungwa yesafabheti muto ihafu yehondo.
Zvimwe zvezvakakosha zvatichazotaura nezvazvo muchinyorwa chino ndeizvi:
- FHFC - Florida Housing Finance Corp. , kana Florida Dzimba. Iyi ndiyo yekuenda-kune agency kune yakaderera kusvika pamwero mari Floridians inotarisa kutenga imba, ichipa zviwanikwa uye zvirongwa zvekuita kuti chirongwa ichi chijeke uye chive chinodhura.
- FHA - Iyo Federal Housing Administration, yakasikwa panguva yemoyo weKuderera Kukuru muna 1934. Iyo FHA inochengetedza mogeji uye zviyero zvekuvaka.
- GANDA - Dhipatimendi reUnited States reDzimba neUkuvandudza Madhorobha, iro rinoona nezveFHA, zvakare rine zvirongwa zvakasiyana siyana zvinobatsira vatengi vekumba, kusanganisira veterans nevakaroora. HUD haina zvirongwa chete, asi kutungamira kuzhinji pamusoro pekodzero dzako semutengi wemba, kutenga imba uye mogeji, nezvimwe.
- USDA - Sangano rekuvandudza kumaruwa reUS department rezvekurima rine zvakare zvirongwa zvevatengi vekumba kumaruwa.
- KUENDA - Dhipatimendi reUS reVeterans Affairs, iro rinoita zvikwereti zvemumba kumauto, veterans, nevakaroora.
- SMEs - Yakavanzika mutero inishuwarenzi, inowanzodiwa kune vanokwereta vane muripo wepasi uri pasi pe20%. Izvi zvinobatsira kuchengetedza vanopa kana mukweretesi asingakwanise kubhadhara uye atorerwa zvakare. Zvizhinji zvakaderera- uye zvine mwero-mari yekutanga-nguva vatengi vezvikwereti vane 3% pasi kubhadharisa, saka izvi zvinogona kuve zvakakosha kana iwe uri kutenga imba.
Iwe zvakare uchaona akawanda mareferenzi kune makumi matatu-gore-yakatarwa mogeji kana uchitarisa kutenga imba. Idzo ndidzo sarudzo dze 90% yevatengi vemba. Yegore-makumi matatu yakatarwa-reti mogeji zvinoreva kuti iwe unobhadhara chikwereti chemusha kwemakore makumi matatu, nechimbadzo uye mubhadharo wemwedzi wega usingashanduke. Idzi ndidzo dzinowanzo regezeswa, nekuti iwo mubhadharo wakaderera uye nekudaro unodhura kupfuura gumi nemashanu-makore mareti.
Rubatsiro rweVatangi Vekutanga Vanotenga Imba muFlorida
Hurumende Inobatsira Kutenga Imba muFlorida . Imwe yenzvimbo dzekutanga kushanyira kana iwe uri wekutanga mutengi wemba muFlorida iri Florida Dzimba . Yakagadzirwa neFlorida Legislature makore makumi matatu nemashanu apfuura kuti ive nechokwadi chekuti vagari venyika vane mikana inodhura yekutenga dzimba mumusika unonetsa.
Florida Dzimba inoshanda nenharaunda, zvisina purofiti, vanogadzira, hurumende yemubatanidzwa, uye nezvimwe kugadzira nekumhanyisa zvirongwa zvinobatsira vanhu kuwana imba chaiyo mudunhu.
Florida dzimba dzekubatsira. Iyo ine zvirongwa zvevatengi, pamwe nevaridzi, uye zvakare zvirongwa zvevanogadzira izvo zvinovakurudzira kuti vavake dzimba dzinodhura. Vanogona kutenga dzimba vanofanirwa kusangana neimwe mari uye yechikwereti zviyero uye vanofanirwa kutenga yavo yekutanga imba kuti vakwanise kuFlorida yekutanga-nguva vatengi vatengi zvirongwa.
Florida Housing ine mapurogiramu matatu makuru evatengi venguva yekutanga vatengi:
- Zvirongwa kune vatengi vemba : Vakasiyana-siyana makumi matatu-gore-yakatarwa-chiyero chekutanga chikwereti chegeji chevatanga kutenga dzimba kuburikidza nevanotora chikamu vanopa mari uye vanokweretesa nyika yese, kusanganisira yemakore makumi matatu yakajairwa mogeji, yako yemakore makumi matatu% Kuwedzera mogeji, uye chirongwa chako cheMasoja Magamba evarwi uye anoshanda basa remauto. .
- Rubatsiro chirongwa che mubhadharo wepasi : Rubatsiro rwe iyo yepasi kubhadhara uye yekuvhara mitengo muchimiro chechipiri imba chikwereti iyo inoshandiswa neFlorida Housing yekutanga imba chikwereti.
- Mogeji Chitupa Chirongwa: Iyo yemubhadharo yemari yemutero chikwereti iyo inogona kushandiswa neyekutanga mogeji, iyo inobatsira kuburitsa mari kune anokwereta kuti ashandise kuita mogeji kubhadhara uye zvimwe zvemumba zvinoshandiswa.
Iyo zvakare ine State Housing Initiative Association iyo inobatsira-yekutanga-nguva vatengesi vemba kubata nematambudziko emari akananga kune mamwe matunhu eFlorida. Florida Housing inoshanda pamwe nehurumende yemunharaunda, masangano anobatsira vemaguta nemaguta (iwo akagamuchira rubatsiro rweHUD kubatsira kusimudzira kusimudzira hupfumi). Zvakakosha kutarisa iyo Florida Housing webhusaiti kuti uone kana nharaunda yako ine chirongwa chinogona kukubatsira iwe zvakanyanya.
Heano maficha pane eFlorida epamba mogeji zvirongwa:
Florida HFA Inosarudzika Yakajairwa Chikwereti
Iyo Florida HFA Yakasarudzika Yakajairwa Chikwereti ndeye makumi matatu-gore-yakatarwa-reti mogeji iyo inopa-yekutanga-nguva vanokwereta zororo mune yakazvimirira yemamogeji inishuwarenzi. Iyi ndiyo inonyanya kufarirwa chikwereti Florida Housing inopa nekuti inoderedza mutengo uye inobvumira vanhu vazhinji kuti vakwanise, akadaro White.
Chigadzirwa ichi chinopa vatengi vanokwanisa vekumba vakaderedza mari yeinishuwarenzi yemendenenzi, mari yepamusoro yechirongwa uye nemitengo yemitengo kupfuura yechinyakare 'yezvikwereti zvezvisungo' uye zviri nyore (mashoma mapepa) kune vatinotora mukana kuti vatange, akadaro.
Vanokodzera kukwereta vanongoda yega yemamogeji inishuwarenzi inovhara 18% yeiyo kukosha, pachinzvimbo cheiyo 35% iyo inowanzo kuve yakajairika kana uchikwereta 97% yemutengo wekutenga pamba (mune mamwe mazwi, uchiita kubhadhara pasi pane iyo 3%).
Nekuti iyo chikwereti chinopa yakachipa yeinishuwarenzi premium, iyo yemwedzi kubhadhara iri yakaderera.
Florida HFA Yakasarudzika 3% Uyezve Yakajairwa Chikwereti
Izvi zvine mabhenefiti akafanana echinyakare Florida HFA chikwereti, asi zvakare inopa rubatsiro kune 3% pasi kubhadharisa uye kuvhara mari. Nekuti icho chipo, hachifanirwe kubhadharwa.
Hurumende chikwereti chirongwa chemagamba echiuto
Vemauto uye vanoshanda vanoshanda veterans vanogona kutora mukana kune akati wandei mapurogiramu anobatsira ane makumi matatu emakore akasarudzika-rate regeji, kusanganisira kubva kuFHA, VA, uye USDA Rural Development. Mari yemubhadharo yezvikwereti izvi inowanzo kudzika pane yakajairwa, uye inogona kushandiswa pamwe chete nedzimwe dzimba dzekuFlorida Dzimba kubhadhara uye kuvhara zvirongwa zvekubatsira mari kuti dziwedzere kudzikisa mutengo.
HFA Inosarudzwa Grant
Florida Housing Preferred Grants inopa 3% kana 4% yemutengo wekutenga pamba kuti ushandise sekubhadhara pasi uye kuvhara rubatsiro. Iyo haifanire kubhadharwa, asi inofanira kushandiswa neimwe yeFlorida Housing's yekutanga-nguva vatengi -mapurogiramu echikwereti.
Florida Mortgage Kiredhiti Chitupa Chirongwa (MCC)
Iyo Mortgage Kiredhiti Cheti chirongwa chinobvumidza kekutanga mutengi wemba kutora 10% kusvika 50% yemari yavo yechimbadzo inosvika kumadhora zviuru zviviri chero bedzi vachigara mumba. Iyo bhalanzi ichiri kugona kunzi seyemari yekubhadhara mutero chikwereti. Iyo kiredhiti inoshanda kune yekutanga-nguva vatengi vemba pamwe nevekare veterans vachitenga imba.
Kufanirwa kweKutanga Nguva Yekutenga Mari Bhenefiti
Mutsara mumwe chete waunogara uchiona kana uchitsvaga yako yekutenga sarudzo sarudzo vatengi vanokwanisa. Kuti ukwanise kuwana zvirongwa kubva kuFlorida Housing, HUD, uye mamwe masangano, mutengi wemba haafanire kudarika imwe mari, asi izvo zvinosiyana zvichienderana nedunhu ravanogara uye nekukura kwakaita imba. Kune zvakare miganho pamusoro pekuti imba inodhura sei, iyo inosiyanawo nedunhu.
Hezvino zvimwe zvinhu zvakajairwa, zvisinei kuti ndeapi ematunhu 67 eFlorida aunogara mairi:
- Chikamu chechikwereti che620
- Imba inofanirwa kunge iri muFlorida
- Inofanira kunge iri pekugara mutengi.
- Mutengi anofanira kutora kosi yemaminetsi matanhatu kusvika matanhatu.
Zvimwe zveizvi zviri pachena, asi yako kiredhiti chikero chiyero chinhu chaunofanira kubhadhara zvakanyanya kutarisisa, kunyangwe hazvo chiiko chako chiri. Fair Isaac Corp., iyo inoisa kiredhiti kana FICO zvibodzwa, iri kuchinja nzira zvibodzwa uye zvikwereti zvakashata zvinowaniswa - yakawandisa zvikwereti zvemunhu uye zvimwe zvinhu zvinogona kureva mamaki akaderera. Izvo chaizvo zvakakodzera kutarisa yako kiredhiti mamaki uye nekutsvaga maitiro ekuvandudza iyo kana iwe uchifunga nezve kutenga imba.
Kune zvakare zvimwe zvakawanda zvinhu zvinopinda mukuwana mogeji, kunyangwe zviwanikwa zvaunoshandisa sewekutanga-nguva mutengi wemba.
Kana mari yako yakasimba kana iwe uchinetseka kuti kiredhiti kiredhiti kana mari yako yakanyanya kuderera, Mubatsiri Wemumba webhusaiti paFlorida Housing webhusaiti anogona kukubatsira kuti unzwisise zvaunogona kukodzera, pamwe nekupa ruzivo rwekunyorera.
Sezvo zvikwereti zvedu zvichibva kuburikidza nevanodzidziswa uye vanobvumidzwa nezvirongwa vanopa mari kudunhu rese, isu takanyorawo vamwe vedu vari kutora chikamu chemahofisi muchikwereti, White akadaro. Vaya vanopa chikwereti vanogona kufanotungamira uye kuona kuti ndezvipi zvigadzirwa zvinonyatsokodzera mamiriro emunhu anokwereta.
Zvirongwa zveNyika zveVatengi-Nguva Yekutenga Imba Vatengi
Kune zvakare zvirongwa zvemunyika zvekutenga dzimba zviripo kubatsira nguva yekutanga vatengi kumba kuti vapinde mumba yavo yekurota.
Imwe yemawebhusaiti anonyanya kukosha kushanyira maHUD. Kubatsira vanhu kuve varidzi vedzimba ndechimwe chezvinhu zvakakosha zvinoita HUD, saiti inoti.
HUD inopa mazano emahara kune avo vane hanya nekutenga imba, uye kunyangwe zvirongwa zvevadzidzisi, vanodzima moto, vatevedzi vemutemo nevamwe vanopa mitengo yezvinhu pakutenga pamba pasi pechirongwa cheGood Neighbour Next Door.
Zvikwereti zvakawandisa zvemudzimba ndezvi:
- FHA zvikwereti - Kana kiredhiti kiredhiti kako kari pasi, ichi chingave chirongwa chako. Pakutanga FHA kubhadhara kune avo vane kiredhiti mamakisi e580 kana yepamusoro kutanga pa3.5% yekutenga. Kana yako kiredhiti chikwereti iri pasi pe580, iyo FHA inoda 10% pasi kubhadharira kuchengetedza chikwereti. FHA zvikwereti zvinoda mutero inishuwarenzi yehupenyu hwechikwereti.
- VA zvikwereti - Ivo vakamboshanda kana vari kushandira muchiuto uye avo vakaroora vanogona kuwana VA zvikwereti kuburikidza neUS department reVeterans Affairs, mamwe acho asingade kubhadharwa pasi kana mortgage inishuwarenzi.
- USDA Zvikwereti - Zvikwereti izvi hazvina mubhadharo wepasi wevanhu vanogara kumaruwa, nezvinodiwa zvemari zvinosiyana nedunhu. Vanokwereta vane zvikwereti zvikwereti pazasi pe640 vane zvimwe zvinodiwa.
Florida Mauto Magamba uye Ekutanga Zvirongwa Zvikwereti
Inotarisirwa kumabasa anoshanda anoshanda emauto uye veterans, zvirongwa izvi zvinopa makumi matatu-gore yakatarwa-reti mamogeji ehurumende-inishuwarenzi (FHA, VA, uye USDA) zvikwereti. Magamba Emasoja inopa yakaderera mitengo kupfuura Florida Chekutanga, uye haufanire kunge uri wekutanga-nguva mutengi wemba kushandisa chero chirongwa. Vanokwereta vanogona kusanganisa zvikwereti izvi neFlorida Housing pasi kubhadhara uye kuvhara chirongwa chekubatsira mutengo.
FL HFA Yakasarudzika & Yakasarudzika PLUS Yakajairwa Zvikwereti Zvirongwa
Vanokwereta vanokodzera kuwana izvi zvakajairika-gore makumi matatu-yakatarwa-reti mogeji vanozoona yakaderera mortgage inishuwarenzi mari kupfuura yakafanana neiyo FHA zvikwereti. Zvikwereti zvinogona kusanganiswa neyepasi yekubhadhara uye yekuvhara mutengo rubatsiro chirongwa. Vaviri vakasarudzika Vanosarudzika PLUS chikwereti sarudzo dzinopa vanokwanisa vanokwereta ne3 muzana kana 4 muzana yezvipo kubhadhara pasi kubhadhara uye kuvhara mari. Iwo mabhenefiti haafanire kudzoserwa. Iyo 4 muzana mvumo inouya nemari yepamusoro kwazvo yemubereko kupfuura yakajairwa Yakasarudzika uye 3 muzana Yakasarudzwa PLUS zvikwereti.
Florida Dzimba Kudhara Kubhadhara uye Kuvhara Mari Yekubatsira Zvirongwa
Florida Inobatsira Chechipiri Chekubhadhara Chikamu (FL Inobatsira)
Vanokodzera vanokwereta vanogashira anosvika kumadhora mazana manomwe nemazana mashanu pa0 muzana mubereko pane yakadzoserwa yechipiri regeji yekushandisa iyo yepasi kubhadhara. Kubhadhara kunodzoserwa kudzamara imba yatengeswa kana chivakwa chaendeswa, kana kana chikwereti chabhadharwa kana kuwedzeredzwa.
3% HFA Inosarudzwa Grant
Ichi chirongwa chinopa vanokwanisa vanokwereta ne3 muzana yemutengo wekutenga pamba kuti vashandise yavo yepasi kubhadhara uye yekuvhara mitengo. Chipo hachifanirwe kudzoserwa.
Florida Housing Mortgage Chikwereti Chitupa (MCC) Chirongwa
Vanokodzera vekutanga-nguva vatengi vemba vanogona kutora makumi mashanu kubva muzana yemari yavo yechikwereti yakabhadharwa, yakaiswa pamadhora zviuru zviviri, muchimiro chemutero chikwereti gore rega rega ravanogara mumba mako. Iyo yemutero chikwereti inoderedza mutero mutero kune vanokwereta kubatsira kusunungura kumusoro imwe mari inogona kushandiswa pakubhadhara mutero uye zvimwe zvemumba zvinoshandiswa.
Ongorora: Aya mapurogiramu anofanirwa kushandiswa neFlorida imba yechikwereti chirongwa.
Zviri Mukati
- Zvinoreva zveFlorida Homebuyer Zviwanikwa
- Zvimwe zvezvakakosha zvatichazotaura nezvazvo muchinyorwa chino ndeizvi:
- Rubatsiro rweVatangi Vekutanga Vanotenga Imba muFlorida
- Florida Housing ine mapurogiramu matatu makuru evatengi venguva yekutanga vatengi:
- Florida HFA Inosarudzika Yakajairwa Chikwereti
- Florida HFA Yakasarudzika 3% Uyezve Yakajairwa Chikwereti
- Hurumende chikwereti chirongwa chemagamba echiuto
- HFA Inosarudzwa Grant
- Florida Mortgage Kiredhiti Chitupa Chirongwa (MCC)
- Kufanirwa kweKutanga Nguva Yekutenga Mari Bhenefiti
- Hezvino zvimwe zvinhu zvakajairwa, zvisinei kuti ndeapi ematunhu 67 eFlorida aunogara mairi:
- Zvirongwa zveNyika zveVatengi-Nguva Yekutenga Imba Vatengi
- Zvikwereti zvakawandisa zvemudzimba ndezvi:
- Florida Mauto Magamba uye Ekutanga Zvirongwa Zvikwereti
- FL HFA Yakasarudzika & Yakasarudzika PLUS Yakajairwa Zvikwereti Zvirongwa
- Florida Dzimba Kudhara Kubhadhara uye Kuvhara Mari Yekubatsira Zvirongwa
- Florida Inobatsira Chechipiri Chekubhadhara Chikamu (FL Inobatsira)
- 3% HFA Inosarudzwa Grant
- Florida Housing Mortgage Chikwereti Chitupa (MCC) Chirongwa