Marii yandinofanira kuwana kuti nditenge imba muUSA? Paunenge uchitsvaga imba, kuchengetedza mari ine hushoma yekubhadhara kazhinji hakuzove kwakakwana kuchengetedza mogeji.
Marii yandinoda kutenga imba?
Vakweretesi vanotarisirawo kuti vanokwereta vave ne yakanaka kiredhiti mamaki : iyo 90% wepa vatengi yedzimba yaive ne mamaki angangoita mazana matanhatu nemakumi mashanu mukota yekutanga ya2020, uye mari inokwana zvakakwana kuve nechokwadi kuti uchakwanisa kuita yako mogeji kubhadhara imwe neimwe. mwedzi.
Mari yenyika inokodzera kutenga imba ndeiyi $ 55,575 ne 10% fambira mberi uye $ 49,400 pamwe nekumberi kweiyo makumi maviri% , zvinoenderana ne data kubva index kubva yepakati-saizi metropolitan nzvimbo mitengo uye kugona kubva kuNational Association of Realtors kwekota yechina ya2020.
Iyo data inotora regeji reti 3.67% yemakumi matatu-gore yakatarwa mogeji, uye mukuru wemwedzi nemubhadharo wemubhadharo unogumira pa25% yemari yemugari.
Nekudaro, zvinoenderana nekwaunogara, muhoro waunoda kuti ukwanise kuwana mogeji unosiyana zvakanyanya. Heino mari yaunoda kubhadhara imba mumatunhu epamusoro gumi nemashanu eUS, yakatarwa kubva pamutengo wepakati nepakati kusvika kumusoro.
US avhareji
Tafura yemari yekutenga imba . Yakawanda sei ini ndoda kutenga imba muUSA.
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 55,575
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 49,400
- WeMedhia Imba Mutengo: $ 233,800
Tulsa, Oklahoma
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 35,237
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 31,322
- WeMedhia Imba Mutengo: $ 174,300
Detroit, Michigan
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 39,361
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 34,988
- Mutengo weMedhia Imba: $ 194,700
New Orleans, Louisiana
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 45,184
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 40,163
- WeMedhia Imba Mutengo: $ 223,500
Atlanta, Georgia
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 46,902
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 41,691
- Mutengo weMusha weMedhia: $ 232,000
Philadelphia, Pennsylvania
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 48,883
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 43,452
- WeMedhia Imba Mutengo: $ 241,800
Chicago, Illinois
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 51,491
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 45,770
- Mutengo wepamba weMedhia: $ 254,700
Dallas, Texas
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 54,301
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 48,268
- WeMedhia Imba Mutengo: $ 268,600
Nashville, Tennessee
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 56,566
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 50,281
- WeMedhia Imba Mutengo: $ 279,800
Phoenix, Arizona
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 83,069
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 73,839
- Mutengo weMedhia: $ 295,400
Portland, Oregon
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 59,719
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 53,084
- WeMedhia Imba Mutengo: $ 410,900
New York, New York
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 86,526
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 76,912
- Mutengo weMedhia Imba: $ 428,000
Denver, Colorado
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 92,591
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 82,303
- WeMedhia Imba Mutengo: $ 458,000
Boston, Massachusetts
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 97,605
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 86,760
- WeMedhia Imba Mutengo: $ 482,800
San francisco California
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 200,143
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 177,905
- Mutengo weMusha weMedhia: $ 990,000
San Jose, California
- Muhoro unodikanwa ne10% pasi yekubhadhara: $ 251,897
- Muhoro unodikanwa uine 20% pasi yekubhadhara: $ 223,900
- Mutengo weMusha weMedhia: $ 1,246,000
Yakawanda sei mari yekubhadhara imba yandinogona kutenga?
Kuverenga huwandu hwemba iwe yaunogona kutenga, isu tinofunga nezve zvimwe zvakakosha zvinhu, senge yako yemhuri mari, zvikwereti pamwedzi (semuenzaniso, auto zvikwereti uye mari yechikwereti yemudzidzi) uye huwandu hwesainzi huripo hwekubhadhara pasi. Semutengi wemba, iwe uchazoda kuve nechunhu hwenyaradzo pakunzwisisa yako yemwedzi yekubhadhara kumba. mogeji .
Nepo imba yako yaunowana uye zvakajairwa zvikwereti zvemwedzi nemwedzi zvinogona kunge zvakadzikama, mari isingatarisirwi uye mari isina kurongwa inogona kukanganisa mari yako.
Mutemo wakanaka wechigunwe wekukwanisa kuve nemwedzi mitatu yekubhadhara, kusanganisira yako yekubhadhara imba uye zvimwe zvikwereti zvemwedzi nemwedzi, zvakachengetwa. Izvi zvinokutendera iwe kuvhara yako mogeji kubhadhara mune chinoitika chisingatarisirwe chiitiko.
Ko yako chikwereti-kune-mari muyero inobata sei kugona?
Metric yakakosha iyo yako bhangi inoshandisa kuverenga huwandu hwemari yaunogona kukwereta ndiyo DTI reshiyo , iyo inofananidza zvikwereti zvako zvemwedzi wega wega (semuenzaniso, mari yako yekubhadhara mari, kusanganisira inishuwarenzi uye mutero wepfuma).
Zvichienderana neyako kiredhiti chikwereti, unogona kukodzera pamwero wakakwira, asi kazhinji, yako imba yekushandisa haifanire kudarika 28% yemari yako yemwedzi.
Semuenzaniso, kana yako yemwedzi yekubhadhara chikwereti, nemitero uye inishuwarenzi, iri $ 1,260 pamwedzi uye uine mari yemwedzi wega yemadhora mazana mana nemazana mashanu nemazana emitero, DTI yako i28%. (1260/4500 = 0.28)
Iwe unogona zvakare kudzoreredza maitiro kuti uwane izvo yako imba bhajeti inofanira kunge iri nekuwedzera yako mari ne 0.28. Mumuenzaniso uri pamusoro, izvo zvinobvumidza kubhadharwa kwemubhadharo we $ 1,260 kuti uwane 28% DTI. (4500 X 0.28 = 1,260)
Yakawanda Sei Imba Yandinogona Kubhadhara Nayo FHA Chikwereti?
Kuverenga huwandu hwemba iwe yaunogona kutenga, isu takafungidzira kuti neinenge ne20% pasi yekubhadhara, iwe unogona kugamuchira yakajairwa chikwereti . Nekudaro, kana iwe uri kufunga nezve yakaderera pasi kubhadharisa, kudzika kusvika padiki pe3.5%, unogona kukumbira a FHA chikwereti .
Zvikwereti zvinotsigirwa ne FHA Ivo zvakare vane vakasununguka zvakanyanya kurova zviyero, chimwe chinhu chekuchengetedza mupfungwa kana iwe uine yakaderera kiredhiti mamaki.
Zvikwereti zvakajairika zvinogona kuuya nemubhadharo wepasi zvakaderera se3%, kunyangwe kukodzera kuri kwakanyanya kuomarara pane neFHA zvikwereti.
Imba yakawanda sei yandinogona kutenga nechikwereti cheVA?
Nekubatana kwemauto, unogona inokodzera chikwereti cheVA . Icho chinhu chikuru, nekuti zvikwereti zvemari zvinotsigirwa neDhipatimendi reVeterans Affairs kazhinji hazvidi kubhadharwa pasi. Iyo NerdWallet Kumba Affordability Calculator inotora iro bhenefiti hombe mukuverenga kana uchiverenga yako tsika yekuwanika zvinhu.
Iwo 28% / 36% Mutemo: Zvazviri uye Nei Zvichienderana
Kuverenga kuti imarii imba yandinogona kutenga, mutemo wakanaka wechigunwe ndeye kushandisa 28% / 36% mutemo, uyo unoti iwe haufanire kushandisa inopfuura 28% yemari yako yakawandisa pamwedzi pamitengo inoenderana nemba uye 36% pa chikwereti chakazara.
Semuenzaniso: Kana iwe ukaita $ 5,500 pamwedzi uye uine madhora mazana mashanu muzvikwereti zviripo, chikwereti chako chepamwedzi cheimba yako hachifanirwe kudarika $ 1,480.
Iwo 28% / 36% mutemo ndiyo inogamuchirwa kutanga nzvimbo yekutara kugona kwemusha, asi iwe uchiri kuda kutora yako yese mamiriro ezvemari uchifunga kana uchifunga huwandu hwemba iwe yaunogona kutenga.
Ndezvipi zvinhu zvinobatsira kuona kuti imba yakawanda sei yandinogona kutenga?
Izvo zvakakosha pakuverenga kutengwa ndeye 1) mari yako yemwedzi; 2) mari inochengeterwa kuvhara mari yekubhadhara uye yekuvhara; 3) zvaunoshandisa pamwedzi; 4) nhoroondo yako yechikwereti.
- Mari: mari yaunogamuchira nguva dzose, senge muhoro wako kana mari yekudyara. Mari yako yaunobatsira inobatsira kutanga hwaro hwezvaunokwanisa kutenga mwedzi wega wega.
- Mari inochengeterwa: Iyi ndiyo huwandu hwemari yauinayo yekubhadhara pasi uye kuvhara mari yekuvhara. Iwe unogona kushandisa yako yekuchengetedza, mari, kana zvimwe zvekushandisa.
- Chikwereti uye zvinoshandiswa: zvisungo zvemwedzi nemwedzi zvaunogona kunge zvakaita semakadhi echikwereti, kubhadhara mota, zvikwereti zvevadzidzi, zvekutengesa, zvinoshandiswa, inishuwarenzi, nezvimwe.
- Mbiri yechikwereti: Yako kiredhiti chikwereti uye huwandu hwechikwereti chauinacho chinokanganisa maonero emukweretesi kwauri semunhu anokwereta. Izvo zvinhu zvinobatsira kuona kuti imarii yaunogona kukwereta uye iyo mogeji yemubereko waunowana.
Imba inokwanisika inotanga neyako regeji reti
Iwe uchazoona kuti chero imba inokwenenzverwa kuverenga inosanganisira fungidziro yeiyo regeji yemari yemubhadharo yauchabhadhariswa. Vakweretesi vanozoona kana uchikodzera kuwana chikwereti zvichibva pazvinhu zvina zvakakosha:
- Yako chikwereti-kune-mari muyero, sezvatakakurukura pakutanga.
- Yako nhoroondo yekubhadhara zvikwereti nenguva.
- Uchapupu hwekugara uchiwana mari.
- Huwandu hwepamberi iwe wawakachengeta, pamwe nemari yemubhadharo yekuvhara mari uye zvimwe zvauchashandisa paunotamira kumusha mutsva.
Kana vanokweretesa vakaona kuti iwe wakakodzera kuita mogeji, ipapo ivo vanozotengesa yako chikwereti. Izvi zvinoreva kusarudza mwero wechikwereti uchapihwa kwauri. Yako kiredhiti mamaki anonyanya kusarudza iyo mogeji reti iwe yaunowana.
Nomuzvarirwo, iyo yakadzikira yako chiwero, iyo yakaderera yako yemwedzi kubhadhara.
Zviri Mukati
- Marii yandinoda kutenga imba?
- US avhareji
- Tulsa, Oklahoma
- Detroit, Michigan
- New Orleans, Louisiana
- Atlanta, Georgia
- Philadelphia, Pennsylvania
- Chicago, Illinois
- Dallas, Texas
- Nashville, Tennessee
- Phoenix, Arizona
- Portland, Oregon
- New York, New York
- Denver, Colorado
- Boston, Massachusetts
- San francisco California
- San Jose, California
- Yakawanda sei mari yekubhadhara imba yandinogona kutenga?
- Ko yako chikwereti-kune-mari muyero inobata sei kugona?
- Yakawanda Sei Imba Yandinogona Kubhadhara Nayo FHA Chikwereti?
- Imba yakawanda sei yandinogona kutenga nechikwereti cheVA?
- Iwo 28% / 36% Mutemo: Zvazviri uye Nei Zvichienderana
- Ndezvipi zvinhu zvinobatsira kuona kuti imba yakawanda sei yandinogona kutenga?
- Imba inokwanisika inotanga neyako regeji reti