Iyo zvikwereti kazhinji zvinotangira kubva 300 uye 850 , uye vanokwereta mukati meimwe nhanho vanogona kuwana zvikwereti zvemusha. Kunyangwe iwe usingade yakakwana 850 kiredhiti mamaki kuti uwane akanakisa mamogeji mitengo, pane zvakajairika chikwereti mamaki zvido izvo zvauchazoda kusangana nazvo kuti uwane mogeji.
- Iyo shoma chikwereti chiyero chauchazoda kutenga imba chinosiyana zvichienderana neanokweretesa uye mhando yechikwereti.
- Kune echinyakare zvikwereti, iwe unozoda kiredhiti mamaki anosvika mazana matanhatu nemakumi matanhatu. Asi neFHA, VA, kana USDA zvikwereti, unogona kukwanisa kuwana nezvakaderera zvibodzwa.
- Kuti uwane chikamu chakanakisa chemubhadharo pane mogeji, tarisa chikwereti chikamu chinosvika mazana manomwe nemakumi matanhatu.
Vanoda kutenga vatengi vanofanirwa kuve nechikwereti mazana manomwe nemakumi matanhatu kana kukwira kuti vakwanise kuwana yakanakisa mamogeji yemari yemubereko.
Nekudaro, iwo mashoma madhora echikwereti anodikanwa anosiyana zvichienderana nerudzi rwechikwereti chaunowana uye ndiani anoisimbisa. Kubva pane yedu runyorwa pazasi, zvakajairwa uye jumbo zvikwereti hazvisi zvehurumende-inishuwarenzi uye kazhinji zvine yakakwira chikwereti zviyero zvinodiwa zvichienzaniswa nehurumende-yakatsigirwa zvikwereti senge VA zvikwereti.
Kuve uine yakakwira chikwereti mamaki kunoita musiyano mukuru muhuwandu hwemari yaunobhadhara pamusoro pechikwereti. Vanokwereta vane zvibodzwa munzvimbo yepamusoro vanogona chengetedza zviuru zvemadhora mubhadharo kubhadhara pamusoro pehupenyu hwechikwereti.
Marii yandinoda kutenga imba?
Izvi ndizvo zvidiki zvemakiredhi echikwereti zvinodiwa kune akasiyana imba zvikwereti, uchishandisa FICO fungidziro.
1. Yakajairwa chikwereti
Chishoma chikwereti chikamu chinodiwa: 620
Zvikwereti zvemumba zvakajairwa hazvipi inishuwarenzi nesangano rehurumende, senge US department reVeterans Affairs kana US department rezvekurima. Asi, zvikwereti izvi zvinoteera zviyero zvakatemerwa nemakambani anotsigira zvikwereti zvemusha.nehurumende, Fannie Mae naFreddie Mac. Zvikwereti zvakajairika zvinogona kuvimbiswa neimwe yekambani kana mutengesi wega. Izvi zvikwereti zvinodhura zvakanyanya uye zvinoda hushoma kiredhiti mamakisi e620. Mari yekubhadhara yepasi inosiyana.
Zvikwereti zvakajairika zvakapatsanurwa kuita zvinoenderana uye zvisingaenderane nezvikwereti zvichibva nekuti vanosangana here kana kutevedzera mitemo yechikwereti yakatangwa naFannie Mae naFreddie Mac.Kuenzanisa zvikwereti zvinotevera zviyero zvakamisikidzwa nemasangano aya, senge yakawanda mari yechikwereti, nepo isiri-inoenderana zvikwereti inogona kudarika iyo miganho uye inoonekwa sejumbo zvikwereti, yatinokurukura zvinodiwa nechikwereti kune inotevera.
2. Chikwereti cheJumbo
Chishoma chikwereti chikamu chinodiwa: 680
Chikwereti chihombe chinodarika mwero wakakura wemari yakweretwa neFederal Housing Finance Agency. Izvi zvikwereti hazvina kukodzera kuchengetedzwa naFannie Mae kana Freddie Mac, zvinoreva kuti vakweretesi vanotora njodzi huru kana ukatadza kubhadhara. Nekuda kwemari hombe yechikwereti uye hunhu hunokuvadza hwezvikwereti izvi, vanokwereta vanofanirwa kusangana nezvikwereti zvepamusoro zvezvikwereti zvingangoita mazana masere nemakumi masere.
3. FHA chikwereti
Chishoma chikwereti chikamu chinodiwa: 500 (iine 10% pamberi) kana 580 (iine 3.5% pamberi)
Chikwereti cheFHA chiri inishuwarenzi neFederal Housing Administration uye iri sarudzo yevanokwereta vanoonekwa seyakanyanya njodzi nekuda kwezvikwereti zvishoma uye nemari shoma yekubhadhara pasi. Kiredhiti chiyero chinodikanwa chakasiyana zvichienderana nemari yemari yauri kuronga kuisa. Vanokwereta vane yakakwira zvikwereti zvikwereti vanogona kukodzera kubhadharwa pasi pasi.
Heano kuputsika:
- Minimum kiredhiti mamaki e500, inoda 10% pasi kubhadhara
- Minimum kiredhiti mamaki e580, inoda 3.5% pasi kubhadhara
Ramba uchifunga kuti kana iwe ukaita kubhadharisa pasi isingasviki 20%, vanopa mari vangangokumbira iwe kuti utenge Primary Mortgage Insurance (PMI) kuti ubhadhare mutengo kana ukatadza kubhadhara. PMI inogona kutenga kubva pa0.5% kusvika pamusoro pe2% yemari yako yechikwereti gore rega rega, zvichienderana ne Chiitiko .
4. VA chikwereti
Chishoma chikwereti chikamu chinodiwa: Hapana zviri pamutemo, kunyange vazhinji vakweretesi vanosarudza 620
A VA (Veterans Affairs) chikwereti inishuwarenzi neUS department reVeterans Affairs uye yakagadzirirwa nhengo dzinokodzera dzenharaunda yemauto nevakaroora. Iyi mhando yechikwereti haidi kubhadharwa pasi. Uye kunyangwe iyo VA isingaise zvikwereti zvezvikwereti, vazhinji vanokweretesa vanozoda yakaderera chikwereti mamakisi e620.
5. USDA chikwereti
Chishoma chikwereti chikamu chinodiwa: Hapana zviri pamutemo, kunyangwe vazhinji vanokweretesa vanosarudza 640
Chikwereti cheUSDA chiri inishuwarenzi neUS department rezvekurima uye inoitirwa vashoma kusvika pakati nepakati vatengi vemba vanotenga. Saizvozvowo nechikwereti cheA VA, iyo USDA haidi kubhadharwa pasi uye haina kumisikidza yakaderera chikwereti chikamu chinodiwa. Nekudaro, vazhinji vanokweretesa vanozoda vanokwereta kuti vave nechikwereti mamakisi mazana matanhatu nemakumi mana kana kupfuura.
Ndeipi yakanaka kiredhiti mamaki ekutenga imba?
Parizvino isu takangokurukura yakaderera chikwereti chiyero icho iyo mogeji weanokwereta anozotarisa. Asi ndeupi rudzi rwechikwereti mamaki anogona kukukodzera iwe kumatero akanakisa? FICO inoparadzanisa zvikwereti zvako muzvikamu zvishanu:
| FICO chikwereti mamakisi |
| Pazasi pe580 | Akanyanya hurombo |
| 580 kusvika 669 | Zvakanaka |
| 670 kusvika 739 | Zvakanaka |
| 740 kusvika 799 | Kugona chose |
| 800 uye pamusoro | Zvinoshamisa |
Kuedza kuwana yako chikwereti mamaki muRakanaka renji (670-739) chingave chiri chikuru kutanga mukukodzera kuita mogeji. Asi kana iwe uchida kukodzera kune yakaderera mitengo, edza kuwana mamaki ako mukati meYakanaka mhando (740 kusvika 799).
Izvo zvakakosha kuti uzive kuti yako kiredhiti mamaki handiyo chete chinhu icho vanokweretesa vanofunga panguva yekunyora kunyorera maitiro. Kunyangwe uine huwandu hwepamusoro, kushomeka kwemari kana nhoroondo yebasa kana yakakwira chikwereti-kune-mari chiyero kunogona kukonzera kuti chikwereti chisabhadharwe.
Maitiro Ekukweretesa Zvikwereti Anobata Mogeji Rechikwereti Mitero
Mari yako yechikwereti inogona kukanganisa zvakanyanya pamutengo wakazara wechikwereti chako. Mazuva ese, FICO inoburitsa data kuratidza kuti zvikwereti zvako zvingakanganisa sei chikwereti chako uye mubhadharo. Pazasi pechiratidziro chemutengo wemwedzi wega weUS $ 200,000 makumi matatu emakore-yakatarwa reti mogeji muna Ndira 2021:
| Kiredhiti zvibodzwa | APR | Kubhadhara kwemwedzi |
| 760-850 | 2,302% | $ 770 |
| 700-759 | 2.524% | $ 793 |
| 680-699 | 2.701% | $ 811 |
| 660-679 | 2,915% | $ 834 |
| 640-659 | 3.345% | $ 881 |
| 620-639 | 3.891% | $ 942 |
Iko kusiyana kwekufarira kweanopfuura 1.5% uye musiyano we $ 172 muripo wemwedzi kubva pa620-639 chikwereti chenguva kusvika kune 760+ renji.
Misiyano iyi inogona kuwedzera kuwedzera nekufamba kwenguva. Sekureva kweCustomer Financial Protection Bureau (CFPB) , imba inosvika mazana maviri ezviuru zvemadhora ine chimbadzo che4,00% inodhura $ 61,670 yakawandisa kwemakore makumi matatu pane mogeji ine huwandu hwechibereko che2.225%.
Maitiro ekuvandudza ako echikwereti mamaki usati watenga imba
Nhanho yekutanga mukuvandudza mamaki ako ndeyokufunga kuti unorera kupi. Unogona kutarisa mushumo wako wechikwereti mahara kamwe chete pamwedzi gumi nemaviri nematatu makuru echikwereti (TransUnion, Equifax, uye Experian) pa AnnualCreditReport.com .
Kana iwe ukawana zvikanganiso mune ipi neipi yemishumo yako, unogona kuvakwikwidza neiyo credit bureau, pamwe neako mukweretesi kana kambani yemakadhi echikwereti. Kana zvasvika kune yako kiredhiti mamaki, yako bhangi kana kiredhiti kadhi mupi anogona kupa yako mamaki mahara. Zvikasadaro, iwe unogona zvakare kushandisa yemahara kiredhiti mamaki ekuongorora chishandiso senge Chikwereti Karma kana Chikwereti Sesame .
Chii chaungaite kana iwe ukaona kuti mamaki ako anoda rumwe rudo? Imwe pfungwa ingangove yekubhadhara yako kiredhiti kadhi zviyero kuti udzikise yako kiredhiti yekushandisa chiyero. Zvakare, dzivisa kunyorera mafomu matsva echikwereti mumwedzi inotungamira kunyorera mogeji.
Uye, zvakanyanya kukosha, bhadhara ako mabhiri panguva nenguva mwedzi wega wega. Nhoroondo yako yekubhadhara ndicho chinhu chikuru muchikwereti chako. Kuvaka yakaenzana nhoroondo yekubhadhara nenguva ichagara iri nzira yechokwadi yekuvandudza mamaki ako.
Zviri Mukati
- Marii yandinoda kutenga imba?
- 1. Yakajairwa chikwereti
- 2. Chikwereti cheJumbo
- 3. FHA chikwereti
- 4. VA chikwereti
- 5. USDA chikwereti
- Ndeipi yakanaka kiredhiti mamaki ekutenga imba?
- Maitiro Ekukweretesa Zvikwereti Anobata Mogeji Rechikwereti Mitero
- Maitiro ekuvandudza ako echikwereti mamaki usati watenga imba