Ungatenge sei imba pasina muripo wepasi? Kutenga imba pasina mari.
Kutsvaga iyo mari yemubhadharo wepasi kunogona kuva chipingamupinyi chikuru kune chero munhu anotarisa kuve muridzi wemba.
Mazhinji eiyo Nyanzvi dzezvemari dzinokurudzira kutarisa kwe20% pasi kubhadhara kunzvenga kubhadhara mari yakawanda mwedzi wega wega nokuti private mortgage inishuwarenzi . Kana iwe uchinzwa kuti kuchengetedza zvakanyanya kungave kusingaiti, hausi wega. Zvinoenderana ne data kubva Realtor.com , mutengi wepamba wemireniyamu wemusha akasiya avhareji ye8.8% yemutengo wekutenga pamba kubva muna Zvita 2019.
Neraki, pane dzimwe nzira kune a zvakajairika mogeji chii chinogona batsira iwe kutenga imba isina mubhadharo wepasi . Hurumende yeUnited States inopa zvikwereti zvemusha kune vatengi vemba mune chinzvimbo chemari, asi zvirokwazvo pane zvimwe zvekutengesera.
Nepo izvi zvikwereti zvingave zvine mazwi akanaka, senge dzikisa chimbadzo , kazhinji panowanikwa yepamusoro yekudzidzira chiyero . Kuwana imwe yeizvi zvikwereti hakusunungure zvachose, sezvo uchiri kuda mari yekuvhara iyo kuvhara mari , uye kana uchinge wave mumba, pamwedzi wembaji yekubhadhara.
Pazasi pane inoratidzira matatu eanowanzozivikanwa zvikwereti zvakatsigirwa nehurumende yevatengi vekumba, ivo vanopihwa nemhando dzakasiyana dzevakweretesi kutenderera nyika. Ziva kuti nyika zhinji dzinopawo yavo zvirongwa zvekubatsira mari yechikwereti, kunyanya kune vatengi venguva yekutanga vatengi.
Veterans Affairs (VA) Chikwereti
Vanoshanda uye vekare nhengo dzechiuto vanokwanisa kuwana iyo Veterans Affairs (VA) chikwereti kupa mari kutenga kwe imba inosvika kumadhora 484,350 mu2019 , kazhinji ine chimbadzo chakaderera pane zvakajairwa mogeji. Ichi chikwereti hachidi kubhadharwa pasi kana inishuwarenzi yeimbageji, asi inouya nemirau yakaoma, inosanganisira kusangana neiyo shoma zvivakwa zvinodiwa muyero.
Mutengi anofanira kubhadhara mari yemubhadharo, iyo inodzivirira mukweretesi kana zvikaitika. Mari chaiyo yemubhadharo inoenderana nebasa remutengi remauto, huwandu hwemubhadharo wepasi, uye kuti vanga vaine here chikwereti cheVA munguva yakapfuura, uye inoratidzwa sepesenti yechikwereti chose ( kazhinji isingasviki 3% ), anotsanangura NerdWallet . Mari yacho inogona kubhadharwa pamberi kana kuwedzerwa kune yakazara mari yechikwereti.
Kuvhara mitengo kunowanzo kuverengerwa neA VA chikwereti, kunyangwe mutengi achiri nebasa rekuvabhadhara muzviitiko zvakawanda.
Chikwereti kubva kuUnited States Dhipatimendi Rezvekurima (USDA)
Chikwereti che United States Dhipatimendi Rezvekurima (USDA) inobatsira vanhu vari kumaruwa kutenga dzimba nemari zero yekutanga. Kukodzera iyo Yega Mhuri Imba Yakachengetedzwa Chikwereti Chirongwa , inofanirwa kutevedzera zvimwe mari inotarisirwa , inorondedzerwa se mari yakaderera kusvika pakuenzanisa, iyo inosiyana nenyika. Iyo USDA yakasununguka kwazvo nedudziro yayo yekumaruwa uye kunyange inofunga dzimwe nzvimbo dzemuguta (unogona kutarisa mamwe kero uchishandisa mepu iyi paUSDA webhusaiti ).
Iko hakuna kushomeka kwechikwereti mamaki ekuwana iyo USDA chikwereti, kunyange hazvo mamaki e 640 mukuru uye chikwereti-kune-mari chiyero cheisingasviki 41% kazhinji inokodzera kunyora otomatiki, maererano neUSADAloans.com .
Kunyangwe zero zero yekubhadhara muripo, mutengi anotarisirwa kubhadhara a kutanga mari yemari yakaenzana ne1% yeiyo yakazara mari yechikwereti yekudzivirira kubva mukukanganisa, pamwe neUSDA yakatarwa mari ye0.35% inoverengerwa seperesenti yemari yechikwereti gore rega, asi yakawedzera kubhadharwa pamwedzi uye yakabhadharwa kune waakweretesa mutero.
Federal Housing Administration (FHA) Chikwereti
Iyo Federal Housing Administration (FHA) chikwereti inobvumira vatengi kubhadhara chete 3.5% yemutengo wekutenga pekugara pekutanga, asi inoda chikwereti mamakisi 580 mukuru uye chikwereti-to-mari reshiyo yakaderera pane 43% . Kana iwe uine chikwereti chekwereti pakati pe500 uye 579, unofanirwa kusiya 10%.
FHA zvikwereti zvinoda zvakavanzika mutero weinishuwarenzi, inoitwa semubhadharo wepasi pamwe nekubhadhara pamwedzi, uye kazhinji zvakare inotakura yakakwira chimbadzo kupfuura yakajairwa mogeji. Mutengi ndiye zvakare ane basa rekuvhara mari.
Iyo yakawanda FHA chikwereti chemari inosiyana nenzvimbo, asi yemhuri imwe chete yemhuri zvinosiyana kubva pamadhora 315,515 munzvimbo yakachipa kusvika pa $ 726,525 munzvimbo ine mutengo mukuru mu2019.
Ungaita sei pasi kubhadharira rubatsiro?
Kune zvirongwa munyika yose kubatsira vanokwanisa vanokwereta kuwana iwo wepasi muripo wavanoda kutenga pekutanga pekugara.
Zvakawanda pasi mapurogiramu ekubatsira kubhadhara Ivo vanobata mari iyi semubhadharo kana iwe ukagara mumba, asi sechikwereti kana iwe uchitengesa, Kahn anotsanangura. Izvo zvinogona zvakare kugadzirirwa kukurudzira vatengi kuti vatamire kune dzimwe nzvimbo.
Mienzaniso yepasi pekubhadhara rubatsiro zvirongwa zviripo:
- MuDenver, chirongwa Metro Mortgage Rubatsiro Uyezve inopa rubatsiro kusvika ku4 muzana yechikwereti. Mari yavanokwereta haifanire kupfuura miganho, uye 0.5 muzana yekubhadhara pasi ingangodiwa.
- MuSan Diego, vatengi venguva yekutanga vasingagone kupfuura makumi masere muzana yenzvimbo yepakati yemari vanokwanisa kunyorera kupihwa kunosvika kumadhora zviuru gumi . Shanduko inoenderana nezvimwe zvisingabvumirwe, kusanganisira mhando yepfuma uye mutengo wekutenga.
- MuMichigan, vatengi vekutanga-pamba vatengi kudunhu rese uye vanodzokorora vatengi vepamba munzvimbo dzakananga vane chikwereti chikamu chinosvika mazana matanhatu nemakumi mana vanogona kunyorera chikwereti kubva zero muzana pasi rubatsiro rwekubhadhara kusvika kumadhora mazana manomwe nemazana mashanu. Kana imba yatengeswa kana kunatsiridzwa, chikwereti chinofanirwa kubhadharwa chakazara. Anokwereta anofanira kuita 1 muzana pasi kubhadhara.
- MuCleveland, vatengi vanokwanisa vanogona kugamuchira yakadzoserwa chikwereti chinosvika gumi nemanomwe muzana yemutengo wezvese wekutengesa (mutengo wekutenga pamwe ne5 muzana yemari yekuvhara). Anokwereta anofanirwa kupa angangoita 3 muzana yemutengo wese wekutengesa. Makumi makumi mashanu muzana yemari yakadzoserwa chikwereti ichakanganwirwa mushure memakore gumi ekugara, uye mari yacho haidi kubhadharwa kusvika pakutengesa kana kuendesa. Kune zvimwe zvivakwa, chikwereti chinoshandukira kuchipo mushure memakore mashanu ekugara.
- MuCalifornia, yekutanga chirongwa chekubatsira kubhadhara GSFA Platinum inopa yakaderera- uye zvine mwero-vanokwereta chipo chisingadzoreke chinosvika kumazana mashanu muzana embau yekutenga pakutenga kana kunatsiridzwa kwekutanga pekugara. Izvo zvishoma zvinodikanwa mamakisi eFICO ndeye 640, uye iyo yakakwira chikwereti-kune-mari muyero ndeye 50 muzana. Vamwe vakweretesi vanofanirwa kupinda muchikwereti ichi 0.5 muzana pasi, anodaro Kahn.
Unoda mari kuti uvhare here?
Iko kudiwa kweimwe mari yekuvhara mogeji haisi ngano, kazhinji. Zvikwereti zvinobvumidza anokwereta kutenga imba asina kana dhora rimwe chete muhomwe hazvisi izvo zvinoitika. Kuvhara mitengo kunogona kuwedzera kusvika ku3 kusvika ku5 muzana yemutengo wekutenga uye inosanganisira:
- Mari yekutanga
- Mari yekushandisa
- Mari yekupindirana
- Pfupiso pfungwa (kana mapogeji poindi)
- Yechitatu mapato mapato (anosanganisira kuongorora, kuongorora, zita rezita, inishuwarenzi yemusoro, mushumo wechikwereti, zvitupa zvemafashama, ongororo, uye imwe mari)
- Zvinhu zvakabhadharwa (kusanganisira inishuwarenzi yevaridzi vedzimba, mutero wepfuma, mubhadharo wakabhadharwa)
- Mari yekunyorera
- Gwaro rekugadzirira muripo
Vamwe vakweretesi vanozvipira kubhadhara imwe fizi, pamwe mukutsinhana nemutero wakakwira pachikwereti. Mamwe mapurogiramu anotendera kuti mari dziwedzerwe pachiyero chemari yechikwereti kuitira kuti isakwanise pakuvhara (iwe unozobhadhara chimbadzo pamari yehupenyu hwechikwereti).
Unogona kutsvaga nzira dzekugadzira dzekudzikisa yako yekunze-kwehomwe mutengo. Semuenzaniso, nhengo yemhuri inogona kukupa iwe mari yekubhadharira pasi uye inogona kukumbira mutengesi kuti ape zvibvumirano (zvikwereti zvemutengesi) zvekuvhara kwavo.
Ndeipi zero yekumberi kwenyongano iri zano rakanaka?
Zero pasi yekubhadhara mari yechikwereti ndiyo yakanakisa sarudzo kumutengi wemba uyo ane mari shoma asi akakodzera kutenga imba.
Mari inokosheswa uye kukweretesa zviratidziro zvepamusoro zvekuve varidzi vemba pane kubhadhara pasi, anodaro Paul. Nhengo yemasoja ari pabasa rekushanda ane mari yakagadzikana, mubhadharo unovimbiswa pamwe pasina mukana wekurasikirwa nebasa. VA zvikwereti zvinopfuura mamwe akawanda marudzi epasi-pasi ekubhadhara zvikwereti.
Kana iwe usina hurongwa hwekutengesa kweanenge makore mashoma ekutanga, unodisisa uye unokwanisa kutora mutoro wekuchengetedza imba, uye uine mari yakagadzikana, zero pasi yekubhadhara mogeji inogona kutungamira kune yako muridzi wemakore makore apfuura. kupfuura iwe waigona kana iwe uchifanira kusevha yemubhadharo wepasi.
Ndeipi zero zero yekumbofanobata chikwereti zano rakaipa?
Zero mogeji inogona kunge isiri sarudzo yakanaka kune anokwereta anogona kuita pasi kubhadhara uye kuchengetedza mari mukufamba kwenguva semhedzisiro. Mari yekutanga uye chiyero chemubereko chechikwereti chinowanzoenderana zvakanyanya nemubhadharo wekutanga. Paunowedzera kubva pamba, zvirinani mazwi uye zvishoma zvauchazobhadhara zvakazara.
Zero yekumbobata mogeji haisi zano rakanaka mumusika uri kudzikira. Ukasuwa kubhadharwa pasi uye kukosha kwemusha wako kuchiderera, uchave uri pasi pemvura (iwe uchave nechikwereti chakawanda kumba kwako kupfuura chakakosha mumusika wanhasi).
Iwe zvakare ucharasikirwa kana iwe ukatengesa munguva pfupi iri kutevera. Iwe unofanirwa kukoshesa pabreak-even point (poindi iyo yako equity inodarika zvese mutengo wako wekutenga uye mutengo wako wekutengesa). Izvi zvinogona kupedza makore mashanu pachikwereti. Ukatengesa kare, ucharasikirwa nemari.
Chekupedzisira, zero mogeji haisi yakanaka yekufambisa mari kune mumwe munhu asingakwanise kuisa mari padivi nguva dzose. Iwe unozoda imwe bhajeti kurangwa kuti uve neimba, kana iwe ungatarisana nedambudziko rakakomba rezvemari kana imba yako ichida kugadziriswa. Iwe hauzokodzeri chikwereti chemari yeimba kudzamara wawana zvakakwana equity (iwe unowanzoda makumi maviri muzana chiyero mushure mekuvharwa kwechikwereti), izvo zvingangove makore mapfumbamwe kusvika gumi nemaviri, zvinoenderana nemari yako yemubereko.
Ungaita Sei Iwe Kuti Uwane Iyo Yakaderera Pasi Kubhadhara Mogeji Reji?
Vanenge vese vakweretesi vezvikwereti vanopa zvigadzirwa zvakawandisa zvezvikwereti kusangana nezvinodiwa zvakasiyana zvevanokwereta, kusanganisira zvakaderera-pasi zvikwereti zvekubhadhara. Vatengesi munyika yose vanopa VA, USDA, uye FHA zvikwereti zvirongwa, semuenzaniso.
Paunenge wagadzirira kunyorera, shanya nekutenderedza nevanokweretesa makuru uye madiki uye uwane akawanda chikwereti kupihwa. Nharaunda yemitero uye mutengo zvinosiyana kubva kune waakakweretesa kuenda kune mukweretesi, uye kunyangwe misiyano midiki inogona kuwedzera zvakanyanya pamusoro pehupenyu hwechikwereti.
Tanga nekunzwisisa kwakanaka kwebhajeti yako. Mari yeimba yeimba inowanzo kuve yakakwira kupfuura mutengo wekubhadhara. Iwe uchave unoona nezvezvitsva zvinoshandiswa, zvakadai semitero yezvivakwa, inishuwarenzi yevaridzi vedzimba, uye zvese kugadzirisa pamba paunotenga.
Vamwe vatengi vachatodawo kubhajeta yemudzimba yevanobhadharisa fizi. Kunyangwe kana mukweretesi kana broker akakuudza kuti iwe unogona kuwana imwe muripo, inofanira kunge iri iyo yaunogadzikana nayo. Kurwadziwa kwekuomerwa kwemari kunogona kuve kukuru, asi hapana munhu anotsutsumwa nezvekuve nemari yakawanda mwedzi wega wega.
Zviri Mukati
- Veterans Affairs (VA) Chikwereti
- Chikwereti kubva kuUnited States Dhipatimendi Rezvekurima (USDA)
- Federal Housing Administration (FHA) Chikwereti
- Ungaita sei pasi kubhadharira rubatsiro?
- Unoda mari kuti uvhare here?
- Ndeipi zero yekumberi kwenyongano iri zano rakanaka?
- Ndeipi zero zero yekumbofanobata chikwereti zano rakaipa?
- Ungaita Sei Iwe Kuti Uwane Iyo Yakaderera Pasi Kubhadhara Mogeji Reji?