FHA Zvikwereti uye Zvirongwa zveKutanga Nguva Vatengi
Dzidza Iwo Basics uye Kuvandudza Yako FHA Chikwereti Mikana . Semutengi-wekutanga mutengi wemusha , panogona kunge paine zvakawanda zvisingazivikanwe . Kunyangwe iri jargon yembairi, mhando yechikwereti chemba, kana kunyangwe iyo yepasi yekubhadhara zvinodiwa, mafashama eruzivo rutsva anogona kutyisa. Tinoda kukubatsira iwe kuti udzidze nezve zvimwe zvezvinhu izvo zvingangotadza kucherechedzwa paunenge uchigadzirira tenga imba yako nyowani .
FHA Zvikwereti Kwekutanga Nguva Vatengi Vekumba
FHA zvikwereti zvinobatsira avo vanoda kutenga imba asi vasina kukwanisa kuchengetedza mari yekutenga, senge vachangopedza kudzidza kukoreji, vachangoroora, kana vanhu vachiri kuyedza kupedzisa dzidzo yavo. Izvo zvinobvumidzawo vanhu kuti vakwanise kuwana chikwereti cheFHA chine chikwereti chakakanganiswa nekubhuroka kana kufumurwa.
Iyi chikwereti inowanzo shanda zvakanaka kune vatengi vekutanga-vatengi vepamusha nekuti inobvumidza vanhu kubhadhara mari inosvika 96.5 muzana yemari yavo yechikwereti, iyo inobatsira kudzikisa pasi kubhadhara uye kuvhara mitengo kusvika padiki. Iyo 203 (b) chikwereti chemogeji Ndicho chete chikwereti icho zana muzana yemitengo yekuvhara inogona kuve chipo kubva kunhengo yemhuri, sangano risingabatsiri, kana bazi rehurumende.
Dzidza nezve FHA kuvhara mari
Vazhinji vatengi vekutanga-vemba vanoshamisika kuti iyo yepasi kubhadharisa haisiyo yega chinhu chavari kuponesa. Pane zvimwe zvekutanga zvinodiwa kuti uvhare yako mogeji, iyo inogona kuve yakakosha, kazhinji pakati pe2 kusvika 5 muzana yemari yakazara yechikwereti.
Kana uchitenga chikwereti chemba, yeuka kuenzanisa mitengo yemamwe emari yekuvhara, senge varidzi vedzimba inishuwarenzi, kuongororwa kweimba uye kutsvaga mazita . Mune zvimwe zviitiko, iwe unogona kutoderedza mari yekuvhara kukumbira mutengesi kubhadhara chikamu chavo (inozivikanwa sekubvumirana kwemutengesi) kana kutaurirana komisheni yako yezvivakwa . Mimwe yemitengo yakajairwa yekuvhara iyo inosanganisirwa muFHA mogeji inosanganisira:
- Mukweretesi Mari Yekutanga
- Dhipatimendi ongororo yemari
- Mari yegweta
- Kuongorora uye chero mari yekuongorora
- Musoro inishuwarenzi uye zita bvunzo bvunzo
- Gwaro gadziriro (nechetatu bato)
- Ongororo yezvivakwa
- Mishumo yechikwereti
2021 FHA Zvikwereti
Iyo FHA yakaverenga iyo yakakwira mari yechikwereti iyo ichasimbisa kumatunhu akasiyana enyika. Aya anozivikanwa pamwe chete seiyo FHA zvikwereti miganho. Iyi miganho yechikwereti inoverengerwa nekuvandudzwa gore rega rega. Ivo vanokurudzirwa nerudzi rwemba, senge mhuri imwechete kana duplex, nenzvimbo. Vamwe vatengi vanosarudza kutenga dzimba mumatunhu ane miganhu yechikwereti yakakwira, kana vangangotsvaga dzimba dzinoenderana nemipendero yenzvimbo dzavanoda kugara.
MIP ndiyo yako mogeji inishuwarenzi
FHA mogeji inishuwarenzi inowanzo kuverengerwa pamubhadharo wemwedzi wega wega pa0.55 muzana yemari yakazara yechikwereti, inova inenge hafu yemutengo weinishuwarenzi yechikwereti pane yakajairwa chikwereti. Iyo FHA inounganidza iyo yegore MIP, inova nguva iyo iwe yaunobhadhara iyo FHA mogeji inishuwarenzi miripo pane yako FHA chikwereti.
MIP mitero yezvikwereti zveFHA kwemakore gumi nemashanu
Kana iwe ukawana yakajairika-gore makumi matatu-makore regeji kana chero chinhu pamusoro pemakore gumi neshanu, yako yegore regeji inishuwarenzi premium ichave inotevera:
| Base chikwereti chemari | LTV | PIM yegore |
|---|---|---|
| $ 625,500 | ≤ 95% | 80 bps (0.80%) |
| $ 625,500 | > 95% | 85 pb (0,85%) |
| > $ 625,500 | ≤ 95% | 100 bps (1.00%) |
| > $ 625,500 | > 95% | 105 pb (1,05%) |
Maitiro Eko Kukodzera Kwekutanga Nguva Imba Yevatengi Zvikwereti
FHA zvikwereti zvekutanga vatengi. Kune akawanda mapurogiramu echikwereti epamba anobatsira vatengi venguva yekutanga. Uye mazhinji acho ane yakawanda inonzwisisika nhungamiro yekugarisa avo vane yakaderera makiredhi, mari, kana kufambira mberi.
Hezvino zvinhu zvekutanga zvinodiwa kuti ukwanise kuwana mamwe eanonyanyo kufarirwa ekutanga-nguva-vatengi kutenga zvikwereti:
| Chekutanga nguva imba mutengi chikwereti | Maitiro ekukodzera |
| FHA chikwereti | 3.5% pasi yekubhadhara, 580 mashoma FICO kiredhiti chikwereti, 50% yakakwira DTI (chikwereti kumari). Hapana muganho wemari. 1, 2, 3 uye 4 unit zvivakwa zvinokodzera |
| Chikwereti 97 zvakajairwa | 3% pasi kubhadhara, 620-660 mashoma FICO kiredhiti chikwereti, 43% yakakwira DTI, inofanirwa kunge iri imwechete yemhuri pfuma. Hapana miganho yemari |
| Fannie Mae HomeReady Chikwereti | 3% pasi kubhadharira, 660 mashoma FICO kiredhiti chikwereti, 45% yakakwira DTI, 97% yakakwira LTV, mari yegore haigone kupfuura 100% yemari yepakati yenharaunda iyoyo. |
| Freddie Mac Imba Chikwereti Zvinogoneka | 3% pasi kubhadharira, 660 mashoma FICO kiredhiti chikwereti, 45% yakakwira DTI, 97% yakakwira LTV, mari yegore haigone kupfuura 100% yemari yepakati yenharaunda iyoyo. |
| VA Imba Chikwereti | 0% pasi kubhadhara, 580-660 mashoma FICO kiredhiti chikwereti, 41% yakakwira DTI, Unofanira kuva veteran, anoshanda pabasa nhengo, kana asina kuroora mukadzi weKIA / MIA veteran |
| USDA Imba Chikwereti | 640 mashoma FICO kiredhiti chikwereti, 41% yakakwira DTI, mari yegore haigone kudarika 115% yemari yepakati yeUS, Unofanira kutenga mumaruwa akakodzera |
| FHA 203 (k) Chikwereti Chekuvandudza | 3.5% pasi yekubhadhara, 500-660 mashoma FICO kiredhiti chikwereti, 45% yakakwira DTI, $ 5,000 shoma rehab mari |
Ramba uchifunga kuti haisi yese yemitemo yakanyorwa pamusoro inofanirwa kuiswa mumatombo.
Semuenzaniso, iwe unogona kukwanisa kukodzera chikwereti cheFHA nechikwereti chikwereti zvakaderera se500, chero bedzi iwe uchigona kuita gumi muzana pasi kubhadhara.
Kana iwe unogona kukodzera chikwereti chaFannie Mae nechikwereti-kusvika-mari muyero unosvika makumi mashanu muzana, pachinzvimbo che43%. Asi iwe unozoda zvimwe zvekubhadhara zvinhu (senge hombe yekuchengetedza account) kuti ukwanise.
Saka wongorora sarudzo dzako dzechikwereti. Kunyangwe uine mamiriro akasarudzika, zviri nyore kuti ukwanise kuve wekutanga-mutengi wemba kupfuura zvaunofunga.
Maitiro Ekukodzera Yekutanga Nguva Imba Yevatengi Grants
Semutengi-wekutanga mutengi wemusha, kutsvaga mari yemubhadharo wako wepasi uye yekuvhara ndidzo imwe yezvipingamupinyi zvikuru. Neraki, kune zvipo uye zvimwe zvirongwa zviripo zvekubatsira.
Nyika dzese munyika dzine imba yemari agency , uye vese vanopa zvirongwa zvakakosha zvevatengi venguva yekutanga, anodaro Anna DeSimone, munyori weHousing Finance 2020.
Vanoenderera mberi: Anenge ese aya masangano ane zvakare pasi chirongwa chekubatsira chirongwa. Aya mapurogiramu anowanzo kupa zvipo kukubatsira iwe kubhadhara yako yepasi kubhadhara, mari yaungasazofanira kubhadhara.
Kana, rubatsiro runogona kunge rwuri muchikwereti, iyo inobhadharwa inogona kudzoserwa kudzamara imba yatengeswa kana kuti mogeji yagadziriswa.
DeSimone inocherekedza kuti masangano anowanzo kupa zvipo zvakaenzana ne4% yemutengo wemba. Uye mapurogiramu mazhinji anopawo rubatsiro rwekuwedzera kubhadhara mari yekuvhara.
Ehezve, kuti kana iwe uchikodzera kupihwa kekutanga-imba mutengi rubatsiro zvinoenderana nezvinowanikwa munzvimbo yako.
Angel Merritt, maneja manejimendi yeZeal Chikwereti Union, anotsanangura kuti chimwe nechimwe chezvirongwa izvi chine hunhu hwakasiyana hunodiwa.
Kazhinji, iwe ungangoda yakaderera chikwereti mamakisi e640. Uye miganho yemari inogona kuve yakavakirwa pakukura kwemhuri nenzvimbo yepfuma, anodaro Merritt.
Iye anoona kuti, mudunhu rake, chirongwa chakakurumbira ndiyo rubatsiro kubva kuMichigan State Housing Development Authority , iyo inopa mibairo inosvika kumadhora zviuru zvinomwe nemazana mashanu mubhadharo wepasi wekubhadhara.
Ndiani anoonekwa seyekutanga mutengi wemba?
Chero ani anotenga imba yake yekutanga otomatiki kekutanga mutengi.
Asi zvitende kana kwete, dzokorora vatengi dzimwe nguva vanogonawo kuve sevatengi-vekutanga vatengi vemba, vachivabvumidza kuti vakwanise kuwana yakakosha zvikwereti uye rubatsiro rwemari zvirongwa.
Muzvirongwa zvakawanda, kekutanga mutengi wemba munhu anga asina chero chivakwa mumakore matatu apfuura. –Ryan Leahy, Mutariri Wezvokutengesa paMortgage Network, Inc.
Mune mapurogiramu mazhinji, wekutanga-wenguva mutengi wemumba mumwe munhu anga asina chero chivakwa mumakore matatu apfuura anodaro Ryan Leahy, mutengesi wekutengesa weMortgage Network, Inc.
Ndiwo kunyanya akanaka mashoko kune vatengi veboomerang vaive nemba munguva yakapfuura asi vakapfuura nekutengesa kupfupi, kufumurwa, kana kubhuroka.
Pasi pemutemo wemakore matatu, vanhu ava vane nzira iri nyore yekudzokera kune varidzi vemba kuburikidza neyekutanga-nguva mutengi wemba zvikwereti uye zvipo.
Matipi Ekutanga Ekutanga Vatengi veMusha muMusika Wazvino
Suzanne Hollander gweta rezvivakwa uye mutungamiriri anotungamira kuFlorida International University. Iye anoti izvo, kazhinji, vatengi-venguva yekutanga vatengi vanodawo kuongorora angangoita makore maviri emari uye basa razvino.
Pamusoro pezvo, vazhinji vakweretesi vanga vachikurumidza kuwedzera iwo mashoma chikwereti mamakisi anodiwa kuti vakwanise kuwana zvikwereti zvakawanda nguva pfupi yadarika nekuda kwezvinonetsa zveCOVID-19, Hollander anodaro.
Rubatsiro kune vatengi venguva yekutanga vatengi
Iyo zvipo uye zvirongwa zvechikwereti Nyanzvi dzevatengi vekutanga-vemba dzimba dzinowanikwa mumaguta nematare muUnited States mose. Aya mapurogiramu anopa rubatsiro yemubhadharo wepasi uye / kana kuvhara mari mumhando dzakasiyana siyana, kusanganisira zvipo, zvikwereti zvisina mhindu, uye zvikwereti zvekubhadhara zvakanonoka.
Zvinowanzodiwa shoma pasi kubhadhara . Nhungamiro idzi dzinowanzo tarisa kuti mutengi anofanira kugara kwenguva yakareba sei mumba, panowanikwa imba, panogara mutengi kana anoshanda, uye huwandu hwemari yemhuri kune anenge achinyorera.
Ziva chikwereti chako chikwereti
Chimwe chezvishamiso zvikuru zvekutanga-nguva vatengi vemba vanotarisana nacho yakaderera chikwereti mamaki . Izvi zvinogona kuitika nekuda kwezvikonzero zvakawanda. Iwe unogona kunge wakanganwa kubhadhara yako kiredhiti kadhi bhiri kwechinguva. Pamwe hauna kumbobvira wasainira kadhi rechikwereti, izvo zvinogona kureva kuti hauna nhoroondo yechikwereti. Iko kune zvakare isingawanzo mukana wekuti iwe ukatambura kuzivikanwa kubiwa uko kwakanyanya kwakadzikisira yako kiredhiti mamaki.
Zvisinei nechikonzero, yakaderera chikwereti mamaki zvinogona kureva kudiwa kukuru kwekubhadhara pasi kana mwero wepamusoro wemubereko kumutengi wemba . Ndokusaka zvakanakira kugara uchiziva uye kuongorora yako FICO mamaki kuitira kuti iwe usatarisana nezvinoshamisira zvisingafadzi. Kana iwe uine hanya nezve yako chikwereti chiyero, heano mamwe matanho iwe aunotora:
- Tarisa yako kiredhiti kiredhiti. Kana iwe uchiziva zviri mukati maro, haufanire kutambisa nguva nesimba rekufungidzira. Tarisa uone kana paine chero zvikanganiso uye kana zvirizvo, kurukurai.
- Bhadhara zvikwereti zvako nekadhi rechikwereti. Seta iyo yekubhadhara bhiri kubhadhara kuburikidza nekadhi kiredhiti kadhi muzita rako kuti ubatsire kumisikidza chikwereti.
- Bhadhara nenguva! Kunonoka kana kunonoka kubhadhara kunogona kugara pane yako rekodhi kwemakore, zvichiita kuti vanokweretesa vanzwe sekukupa iwe regeji inogona kuve njodzi.
Pasi pasi rubatsiro rwekubatsira
Kubhadhara kuri pasi ndiko kubhadharisa kwekutanga kwaunoita iwe paunotenga imba. Izvo zvinoonekwa sekudyara kwako mune iyo mogeji, sezvo iwe uchikwanisa kuirasa kana ukasasangana nemitero inotevera yemwedzi. Kunyange zvikwereti zvakawanda zvakajairwa zvinoda kubhadharwa pasi kusvika pamakumi maviri muzana emutengo wese wekutenga, FHA zvikwereti zvinoita kuti zvinhu zvive nyore nyore zvichida 3.5 muzana pasi muripo .
Chero nzira, kuchengetedza kubhadharwa kwakanyanya pamusha kunogona kuva mutoro, saka iko kungwara kwekutsvaga kutsvaga chaiko. rubatsiro rwuripo Izvo zvinobatsira kudzikisa chikamu chemutengo iwoyo. Masangano mazhinji ehurumende uye emunharaunda anopa zvirongwa zvekubatsira, senge pasi pekubhadhara mari, kune vanokodzera vekutanga-vatengi vatengi kuti vavabatsire kuwana pasi kubhadhara uye kuvhara zvinodiwa zvinodiwa.
Ive neshuwa yekutora mukana wePasi Kubhadhara Rubatsiro Zvirongwa zvinopihwa nedunhu rako, manisiparati, kana nyika kuti ubatsire kudzikisa yako yekutanga regeji mari. Tsvaga pasi chirongwa chekubatsira kubhadhara munharaunda yako.
Izvi zviri kuitika nekuti mukweretesi wekutanga anotengesa dziva rezvikwereti zveFHA kune vanoita mari mumusika wechipiri. Vashandi vanovatenga kuti vawane mari, uye ivo havadi kuisa pangozi zvikwereti nemari yakaderera chikwereti panguva ino.
Randall Yates, CEO weThe Lenders Network, anobvumirana.
Vamwe vakweretesi vakagamuchira kare mazana mashanu nemakumi masere emakiredhi echikwereti echikwereti cheFHA vakawedzera huwandu kubva pa620 kusvika pa660, anodaro Yates.
Kana uine matambudziko echikwereti, ini ndinokurudzira kushandisa ese akawedzerwa nguva yatinayo panguva yekuvhara kuti uwane kiredhiti kako zvakarongeka.
Kuti uvandudze chikwereti chako, Hollander anokurudzira aya matipi:
- Fonera yako kiredhiti kadhi kiredhiti uye ukumbire kuwedzerwa mumutsara wako wechikwereti.
- Chengetedza bhalansi yako pazasi 30% yemari yako inobvumidzwa yechikwereti
- Kana iwe usingakwanise kubhadhara bhiri panguva, fonera yako kiredhiti kadhi kambani uye kumbira kudzoserwa pasina mushumo wakashata kune yako kiredhiti Bureau.
Uye rangarira: yekutanga-nguva kana kwete, iwe unogona kuwana vanokweretesa vachida kupa kumwe kuchinjika nemirairo yavo.
Nekudaro, kunyanya kana iwe wave kuda kuverengera mogeji, ita shuwa yekutenga-famba uye kubvunza mizhinji mibvunzo usati wabhadhara chikwereti.
Kana uchinyorera chikwereti chemba, usatya kubvunza mibvunzo nezve izvo zvinodiwa zvinodiwa, Merritt anoratidza.
Kana wako chikwereti nyanzvi asingade kutsanangura zvese, tsvaga mumwe mukweretesi, Merritt anokurudzira.
Tsvaga kana iwe uchikodzera seyekutanga nguva mutengi
Nzira yakanakisa yekuziva kana iwe uchikodzera kupihwa rubatsiro kana rubatsiro ndeyekutaurirana nezvedzimba dzimba mutaundi kana guta kwaunoda kutenga imba, Leahy anopa zano.
Ziva kuti pasi mari yekubhadhara uye yekuvhara mutengo rubatsiro hazvizivikanwe zvakanyanya. Iwe unogona kuita yako yekuchera kuti uwane zviwanikwa zviripo uye izvo zvaunokodzera.
Kana zvasvika kune zvikwereti zvemusha, zvinhu zviri nyore.
Iwe unogona kuziva izvo zvaunokodzera, pamwe neako ramangwana rehuwandu hwechimbadzo uye kubhadhara kwemwedzi, nekungotenga online.
Zviri Mukati
- FHA Zvikwereti uye Zvirongwa zveKutanga Nguva Vatengi
- FHA Zvikwereti Kwekutanga Nguva Vatengi Vekumba
- Dzidza nezve FHA kuvhara mari
- 2021 FHA Zvikwereti
- MIP ndiyo yako mogeji inishuwarenzi
- MIP mitero yezvikwereti zveFHA kwemakore gumi nemashanu
- Maitiro Eko Kukodzera Kwekutanga Nguva Imba Yevatengi Zvikwereti
- Maitiro Ekukodzera Yekutanga Nguva Imba Yevatengi Grants
- Ndiani anoonekwa seyekutanga mutengi wemba?
- Matipi Ekutanga Ekutanga Vatengi veMusha muMusika Wazvino
- Rubatsiro kune vatengi venguva yekutanga vatengi
- Ziva chikwereti chako chikwereti
- Pasi pasi rubatsiro rwekubatsira
- Tsvaga kana iwe uchikodzera seyekutanga nguva mutengi