Zvinodiwa kutenga imba muCalifornia. Uri kugadzirira kutenga imba yako yekutanga muCalifornia? Nzira yekuva muridzi wemba inogona kunge iri rwendo runonakidza, asi inogona zvakare kuve inorema. Neraki, kune akawanda zvirongwa uye matipi akagadzirirwa kubatsira. Tichafamba iwe kuburikidza nevamwe vacho.
California Yekutanga Nguva Yekutenga Mapurogiramu Zvirongwa
Unogona kufunga kuti nekuti unogara kuGolden State, iwe unozofanirwa kuchengetedza makumi ezviuru kuti ubhadhare pasi uye uve padyo nechikwereti chakakwana kuti uwane mukwereti wemba.
Neraki, izvo hazvisi izvo nguva dzose. Aya ekutanga-nguva anotenga dzimba zvirongwa kubva kuCalifornia Housing Finance Agency zvakagadzirirwa kuti zvikubatsire kutenga imba, zvisinei nemamiriro ako emari kana echikwereti.
1. CalHFA Yakajairwa Chikwereti Chirongwa
Kune uyo ari Vatengi vane mari shoma yekubhadhara pasi.
ICalHFA Yakajairwa Chikwereti Chirongwa chakagadzirirwa kubatsira California vekutanga-vatengesi vemba kuwana chikwereti chakajairika nemubhadharo wakaderera. Chikwereti chakajairwa chikwereti chedzimba chinopihwa kuburikidza nemabhangi nemubatanidzwa wechikwereti.
Chikwereti chakajairwa cheCalHFA chikwereti chemakore makumi matatu, zvinoreva kuti vanokwereta vachabhadhara chikwereti kwemakore makumi matatu. Vanokwereta mari shoma vanogona kuve vanokodzera kudzika-kupfuura-pamusika chimbadzo kana vakashandisa CalHFA kuwana yakajairwa mogeji.
CalHFA ichakubatsira iwe tsvaga mukweretesi anokwanisa kugadzirisa urwu rudzi rwechikwereti.
Izvo zvinodiwa zvinosanganisira:
- A mashoma chikwereti mamakisi e660. Vanokodzera vanowana mari yepasi vanogona kukodzera zvikwereti izvi nezvibodzwa zvakaderera se660. Kuti utariswe semari yepasi, unofanirwa kunge uine mari isingasviki kana yakaenzana ne80% ye Fannie Mae Nzvimbo yeMedian Mari yenzvimbo yako. Kana iwe uchiwana mari inopfuura iyi, iwe uchazoda chikwereti chenguva inokwana 680 .
- 43% kana yakaderera chikwereti-kune-mari muyero. Izvi zvinoreva kuti imarii yaunobhadhara mumabhiri kana chikwereti chakakamurwa nemari yaunowana pamberi pemitero mwedzi wega wega. Ngatitii chikwereti chako ndeche $ 2,000 pamwedzi uye iwe unowana $ 6,000 pamwedzi. Chiyero chako cheDTI chingave $ 2,000 / $ 6,000 = .33, kana 33%.
- Mari inowanikwa haigone kupfuura California mari yemiganhu nedunhu. Tarisa matunhu ako kuve nechokwadi chekuti mari yaunotambira haipfuure iyo.
- Chekutanga nguva yekutenga imba chinzvimbo. Iwe haugone kukodzera kana ichi chisiri chako chekutanga chikwereti.
- Kuzadzikiswa kwedzidzo yevatengi vekumba kosi. Iwe unogona kuwana yakakurudzirwa makosi mune iyo CalHFA webhusaiti .
Ungangodawo kusangana nezvinodiwa zveanokweretesa. Zvikwereti zvemumba zveCalHFA zvinowanzo kuve nesarudzo dzepasi dzekubhadhara dzakaderera se3% yemutengo wemba yako. Ngatitii yako imba chikwereti i $ 200,000, semuenzaniso. Iwe unongoda chete kubhadharwa pasi kwe $ 6,000.
Mamogeji mitengo echirongwa ichi anowanzo ari pazasi pemusika mutengo, asi anowanzo kwira kupfuura mitengo yezvirongwa zvehurumende zvinotsigirwa nemari.
2. CalPLUS Yakajairwa Chikwereti Chirongwa
Kune uyo ari Vatengi vanoda rubatsiro kuwana mari yekuvhara mitengo.
CalPLUS Yakajairwa Zvikwereti inouya neese maficha eCalHFA Yakajairwa Chirongwa pamwe neyakawedzerwa bhenefiti yekugona kubhadhara yako yekuvhara mitengo nechikwereti-chisina mubereko.
Izvi zvinoshanda sei? Zvikwereti zveCalPLUS zvinopihwa pamwe chete neCalHFA's Zero Inofarira Chirongwa (ZIP). Vanokwereta vanogona kubhadhara mari yavo yekuvhara vachishandisa ZIP, izvo zvinovapa chikwereti chakaenzana ne2% kana 3% yemari yembage.
Ichi chikwereti cheZIP chinotakura 0% chiyero chemubhadharo uye kubhadhara kunoendeswa kune hupenyu hwechikwereti chako chemba. Izvi zvinoreva kuti haufanire kubhadhara chikwereti kudzamara watengesa, kugadzirisa, kana kubhadhara iyo mogeji.
Kuti ubatsirwe nerubatsiro nemari yako yekuvhara, vanokwereta veCalPLUS vachabhadhara chikwereti chemitero chakati kurei kupfuura vamwe vanokwereta chikwereti cheCalHFA.
Izvo zvinodiwa zvinosanganisira:
- Chishoma chemari yechikwereti ye660 yevanowana mari yepasi-shoma, mashoma e680 kune avo vasingakwanise kuwana mari shoma.
- 43% kana zvishoma chiyero cheDTI.
- Mari inowanikwa haigone kupfuura California mari yemiganhu nedunhu. Tarisa matunhu ako kuve nechokwadi chekuti mari yaunotambira haipfuure iyo.
- Chekutanga nguva yekutenga imba chinzvimbo.
- Kuzadzikiswa kwedzidzo yevatengi vekumba kosi. Iwe unogona kuwana yakakurudzirwa makosi mune iyo CalHFA webhusaiti .
Zvikwereti zveCalPLUS zvinogona zvakare kushandiswa neCalHFA's MyHome chirongwa chemubhadharo wekubhadhara pasi; Bhura pasi pasi kuti uone chikamu chedu paMyHome.
3. CalHFA FHA Chikwereti Chirongwa
Kune uyo ari Vatengi vanoda yakaderera mogeji reti.
Chirongwa cheCalHFA FHA chikwereti chirongwa chenguva yekutanga mutengesi wemumba chikwereti chinotsigirwa neUS Federal Housing Administration. Nekuda kweizvozvo, zvikwereti izvi zvinowanzove nemutero wakaderera pane zvakajairwa zvikwereti. Izvi zvikwereti zvinotenderawo vanokwereta kuisa zvishoma se3,5%.
Chikwereti cheCalHFA FHA chikwereti chemakore makumi matatu chakasarudzika uye chinopihwa kuburikidza nevazhinji vanopa zvikwereti kuCalifornia.
Izvo zvinodiwa zvinosanganisira:
- Minimum kiredhiti mamaki e660.
- 43% kana zvishoma chiyero cheDTI.
- Mari inowanikwa haigone kupfuura California mari yemiganhu nedunhu. Tarisa matunhu ako kuve nechokwadi chekuti mari yaunotambira haipfuure iyo.
- Chekutanga nguva yekutenga imba chinzvimbo.
- Kuzadzikiswa kwedzidzo yevatengi vekumba kosi. Iwe unogona kuwana yakakurudzirwa makosi mune iyo CalHFA webhusaiti .
- Kuwedzera FHA Zvinodiwa. Iyo FHA ine yayo yega mari uye zvivakwa zveruzivo izvo zvaunofanira kusangana kuti uve unokodzera.
4. CalPLUS FHA chikwereti chirongwa
Kune uyo ari FHA vanokwereta vanoda rubatsiro kuwana mari yekuvhara mitengo.
Zvikwereti zveCalPLUS FHA zvinosanganisira zvakafanana zvinhu seyeCalHFA FHA chikwereti, asi nerubatsiro rwakawedzerwa rwekugona kushandisa ZIP kubatsira kubhadhara yako yekuvhara mari, sezvakajairwa zveCalPLUS zvikwereti.
Rangarira kuti Zip zvikwereti zvinopihwa pa2% kana 3% yemari yose yechikwereti uye uine 0% yemitero pamitero yakadzoserwa yehupenyu hwechikwereti chako chemogeji.
Nekudaro, iwe unenge uine yakakwira padiki yemamogeji yemari yekukwereta nezvikwereti izvi.
ZIP inogona kusanganiswa neiyo MyHome chirongwa pane izvi zvikwereti, saka vanokwereta vanogona zvakare kuwana rubatsiro nemari yavo yepasi.
Izvo zvinodiwa zvinosanganisira:
- Minimum kiredhiti mamaki e660.
- 43% kana zvishoma chiyero cheDTI.
- Mari inowanikwa haigone kupfuura California mari yemiganhu nedunhu. Tarisa miganhu ye zvayo County kuve nechokwadi chekuti mari yaunotambira haipfuure iyo.
- Chekutanga nguva yekutenga imba chinzvimbo.
- Kuzadzikiswa kwedzidzo yevatengi vekumba kosi. Iwe unogona kuwana yakakurudzirwa makosi mune iyo CalHFA webhusaiti .
- Kuwedzera FHA Zvinodiwa. Iyo FHA ine yayo yega mari uye zvivakwa zveruzivo izvo zvaunofanira kusangana kuti uve unokodzera.
5. CalHFA VA Chikwereti Chirongwa
Kune uyo ari California veterans, varwi vemauto varipo, kana vanokodzera kupona vakaroora.
Chikwereti cheCalHFA VA chakaitirwa kubatsira varipo kana vekare nhengo dzechiuto kuti vagamuchire mari yeimba yavo. Iyi imba chikwereti inobhadharwa neDhipatimendi reVeterans Affairs uye kazhinji ine yakaderera-pane-musika mutero wemitero, haudi kubhadharwa pasi, uye ndeye 30-gore-yakatarwa chikwereti.
Izvo zvinodiwa zvinosanganisira:
- Veteran kana aripo anoshanda basa remauto nhengo, kana anokodzera mupenyu mukadzi. Iwe unogona kuwana rumwe ruzivo nezve kukodzera pane iyo VA webhusaiti .
- Minimum kiredhiti mamaki e660.
- Chikwereti-kusvika-mari muyero we43% kana pasi.
- Mari inowanikwa haigone kupfuura California mari yemiganhu nedunhu. Tarisa matunhu ako kuve nechokwadi chekuti mari yaunotambira haipfuure iyo.
- Kuzadzikiswa kwedzidzo yevatengi vekumba kosi. Iwe unogona kuwana yakakurudzirwa makosi mune iyo CalHFA webhusaiti .
- Wezvemari komisheni. Vazhinji VA vanokwereta chikwereti vanofanirwa kubhadhara mari yekubhadhara, inova chikamu chidiki chemari yechikwereti. Nekudaro, iwe unogona kushandisa iyo MyHome chirongwa kubatsira kuvhara iyi mutengo uye kumwe kwekuvhara mitengo.
CalHFA inogona kukubatsira iwe kuwana akanakisa mukweretesi we VA chikwereti .
6. CalHFA USDA Chikwereti Chirongwa
Kune uyo ari Vatengi vachitenga imba munzvimbo yekumaruwa yenyika.
Iyo CalHFA USDA chirongwa chechikwereti chakanakira chero mutengi-wekutanga mutengi wemba anotarisa kutenga imba kunze kwemaguta makuru muCalifornia. Chikwereti chemusha ichi chinotsigirwa kuburikidza neDhipatimendi Rezvekurima reUS uye chine mabhenefiti mazhinji, kusanganisira zana% yemari sarudzo (hapana pasi zvinodiwa muripo). Iyo CalHFA USDA chikwereti iri yemakore makumi matatu-yakatarwa chikwereti.
Izvo zvinodiwa zvinosanganisira:
- Imba kumaruwa. Bvunza ne CalFHA kuona kana imwe nzvimbo kwaunoda kutenga inokodzera.
- Minimum kiredhiti mamaki e660.
- Chikwereti-kusvika-mari muyero we43% kana pasi.
- Mari inowanikwa haigone kudarika USDA muganho wemari nedunhu. USDA miganhu yemari akasiyana neavo vari muCalifornia, saka zvakakosha kuti uve nechokwadi chekuti iwe unowana mari shoma pane yakanyanya kuwanda yenzvimbo yako.
- Kuzadzikiswa kwedzidzo yevatengi vekumba kosi. Iwe unogona kuwana yakakurudzirwa makosi mune iyo CalHFA webhusaiti .
- Kuwedzera USDA Zvinodikanwa. Iyo USDA chikwereti ine yayo pachezvayo zvinodiwa nemari yezvivakwa zvauchazoda kusangana nazvo kuti ukwanise.
7. CalHFA Pasi Kubhadhara Rubatsiro Zvirongwa
Kune uyo ari Vatengi vanoda rubatsiro kuwana mari yekubhadharira pasi.
Zvirongwa zvekubatsira kubhadharisa pasi zveCalHFA zvinokubatsira iwe kubhadhara yako yepasi mari yekubhadhara pakuvhara. Izvi zvikwereti zvinogona kusanganiswa nemamwe mapurogiramu eCalHFA chero bedzi iwe uchizadzisa zvinodiwa nemari. Chirongwa chikuru icho chinopa pasi rubatsiro rwekubhadhara chirongwa cheMyHome Rubatsiro, icho chinosanganisira mitemo yakasarudzika yevashandi vebazi rechikoro uye remoto uye VA vanokwereta chikwereti.
MyHome rubatsiro chirongwa
Ichi chirongwa chinouya chiri muchimiro chechikwereti chinopa kusvika kune chidiki che: $ 10,000 kana 3% yemari yako yechikwereti yemba pakuvhara zvikwereti zvakawanda, kunze kwezvikwereti zveFHA zvinobvumidza kusvika ku3,5%. Iyi chikwereti inogona kushandiswa kubatsira nemari yako yepasi kubhadhara kana kuvhara mari.
MyHome zvikwereti zvakadzoserwa zvikwereti, saka hapana mubhadharo unokodzera kusvikira iwe wabhadhara chikwereti kana kutengesa kana kugadzirisa iyo imba. Nekudaro, kusiyana neZIP, MyHome zvikwereti zvinobhadharisa chimbadzo, iyo ichakweretwa mukuwedzera kune mukuru wechikoro kana chikwereti chave kukodzera.
Kuti ukwanise kuita chirongwa ichi, unofanirwa kuve wekutanga kutenga imba uye kusangana nemitero yemari.
MyHome Yevashandi veChikoro, Vashandi veDhipatimendi reMoto, uye VA Vanokwereta Zvikwereti
Iyi mirawo yakakosha ndeyevatengi vekutanga-vemba vanotenga avo vari: California vadzidzisi kana vashandi muchikoro cheK - 12 kana vanodzima moto kana vamwe vashandi vebazi remoto. Ichi chikwereti chinopa 3% yeiyo kukosha kweimba sechikwereti chakadzoserwa chemubereko. Iko hakuna muganho we $ 10,000.
VA vanokwereta chikwereti, zvisinei nekwavanoshandira, vanoregererwawo pamari inosvika zviuru gumi zvemadhora.
Zvirongwa zvemunyika zvevatengi vekutanga-vemba vatengi
Kunyangwe akawanda mapurogiramu ekutanga-ekutenga dzimba uye zvipo zvinopihwa padunhu kana padanho remunharaunda, kune akawanda zvipo zvechikwereti munyika yese izvo zvinoratidzira zvipo zveCalHFA.
Dzimwe sarudzo dzechikwereti dzinowanikwa munyika dzese dzinogona kuve dzakanakira vatengi venguva yekutanga vanosanganisira:
- Fannie Mae naFreddie Mac 3% pasi sarudzo dzekubhadhara. Vaviri Fannie naFreddie vanopa mashoma sarudzo kune vatengi vari kutsvaga kuwana mogeji ine chete 3% pasi yekubhadhara. Chirongwa chega chega chine zvidikanwi zvakasiyana zvine chekuita nemari yaunotambira uye kuti unofanirwa kutanga watenga imba here kana kwete.
- FHA chikwereti. Aya marudzi ezvikwereti akakosha kune vanotanga nekuti anotendera yakaderera zvikwereti zvikwereti uye zvakaderera pasi kubhadhara. Muchokwadi, zvinokwanisika kuti uwane chikwereti uine 3.5% yekubhadhara pasi uye chikwereti che580. Kana iwe uine mari yakawanda yekubhadhara pasi, unogona kubvumidzwa nezvibodzwa zvakaderera pane 580.
- USDA chikwereti. Izvi zvikwereti zvinobvumidza vanokwereta munzvimbo dzakakodzera kuti vawane chikwereti pasina muripo wepasi. Ivo vanowanzoda zvikwereti zvikwereti zvingangoita mazana matanhatu nemakumi mana, kunyange zvichikwanisika kudzikisa.
- VA chikwereti. Kana iwe uri anokwanisa veteran kana anoshanda anoshanda nhengo, iyo VA chikwereti che 0% pasi yekubhadhara sarudzo ndeimwe nzira inodhura yekutenga imba.
Mamwe mapurogiramu epasi rese ekutenga dzimba ayo anogona kubatsira vatengi-venguva yekutanga vatengi anosanganisira:
- Akanaka epa next door muvakidzani. Ichi chirongwa chinopihwa neDhipatimendi reZimba uye Kuvandudza Kwemaguta uye inobvumidza vadzidzisi, mapurisa, vanodzima moto, uye EMTs kutenga dzimba dzakasarudzika dzeHUD munzvimbo dzakakodzera pamutero we50%.
- HomePath Yakagadzirira Mutengi Chirongwa. Chirongwa ichi, chakapihwa naFannie Mae, chinobvumira vatengi kutenga chivakwa chakatemerwa chaFannie Mae nemari inokwana kuita 3% yekubhadhara pasi, nekwaniso yekugamuchira kusvika ku3% yemutengo wemba mukubatsira kwemutengo.
5 makiyi anodikanwa ekutenga imba muCalifornia
Ndezvipi zvinodiwa kuti utenge imba muCalifornia? Chii chandinoda kuti ndikwanise kuwana chikwereti chemba? Iyi ndiyo mibvunzo miviri yakajairika pakati pevatengi vekumba muGolden State, uye iwe uchawana mhinduro kune ese ari maviri pazasi.
Kana zvasvika pane zvinodikanwa pakutenga imba, pane musiyano mukuru pakati pevatengi vemari nevaya vanoshandisa chikwereti chemba.
- Vanhu vanobhadhara mari yeimba havatsvaki mari yegeji, saka zvizhinji zvezvinhu zviri pazasi hazvishande kwavari.
- Asi iyo kunyanya yevatengi muCalifornia ita Shandisa zvikwereti zvemumba kana uchitenga imba. Saka nhasi tichataura nevateereri ivavo.
Nechirevo chekunzwa chiri munzira, hezvino zvimwe zvezvakakosha zvinodiwa kuti utenge imba muCalifornia:
1. Kuchengetedza kwekubhadhara pasi.
Kazhinji (asi kwete nguva dzose) mubhadharo wepasi unodiwa kana uchitenga imba muCalifornia. Vanogona kubva kubva pa3% kusvika pa20% yemutengo wekutenga, zvinoenderana nerudzi rwechikwereti chakashandiswa nezvimwe zvinhu. Nhengo dzechiuto uye veterans vanogona kazhinji kukodzera VA imba zvikwereti, izvo zvinopa 100% mari. Iyo FHA chikwereti chirongwa, icho chinonyanya kufarirwa nevatengi-vekutanga vatengi muCalifornia, inobvumira vanokwereta kuti vaite 3.5% pasi kubhadharisa.
Nepo kubhadharwa pasi chiri chinhu chinodiwa mukutenga imba muCalifornia, mari yacho haifanire kuti ibude muhomwe yako. Mazuva ano, mazhinji mapurogiramu echikwereti anotendera kushandiswa kwezvipo zvekubhadhara zvepasi. Apa ndipo apo shamwari, hama, mushandirwi, kana mumwe mupi anotenderwa anokupa mari yekuvhara imwe kana yese yako yekutanga kudyara.
2. Chengetedza chikwereti chakanaka.
Kiredhiti zvikoro ndechimwe chinhu chakakosha pakutenga imba muCalifornia. Iwe pamwe wakambonzwa nezve kukosha kwechikwereti chakanaka kana zvasvika pakutora chikwereti. Vanokwereta vane yakakwira chikwereti zvibodzwa kazhinji vane nguva iri nyore inokodzera yemari yekubhadhara mari uye vanowanzo kuwana mari iri nani yemitero futi.
Iko hakuna imwechete-yekucheka poindi inoshandiswa nemabhangi nemakambani emamogeji. Inosiyana kubva kune imwe kuenda kune imwe. Izvo zvakati, vazhinji vanopa chikwereti nhasi vanosarudza kuona mamaki mazana matanhatu kana kupfuura kubva kune vanokwereta vari kutsvaga chikwereti chemba. Asi iwo angori maitiro akajairika, haana kuiswa mumatombo.
Chinokosha ndechekuti mamaki epamusoro anovandudza mikana yako yekutenga imba muCalifornia kana iwe ukashandisa imba chikwereti.
3. Kugadzirisa chikwereti chako.
Huwandu hwechikwereti chauinacho chinogona kukanganisa kugona kwako kuwana mari yekubhadhara chikwereti. Saka, icho chimwe chinhu chakakosha kutenga imba muCalifornia. Kunyanya, ndiyo chiyero chechikwereti chako chose chinodzokororwa pamari yako yemwedzi wega inonyanya kukosha.
Muchikwereti, ichi chinozivikanwa sechikwereti-kune-mari muyero. Ichi chiyero chinoratidza kuti yakawanda sei mari yako yaunowana inoenda kune ako echikwereti emwedzi. Inobatsira makambani anotenga dzimba kuona kuti haupinde muzvikwereti zvakawandisa (pamwe nekuwedzeredzwa kwechikwereti chemba).
Sezvo nemari yechikwereti, ichi chiri chinodiwa chekutenga imba kuCalifornia chinogona kusiyanisa kubva kune imwe kambani inotengesa imba kuenda kune imwe. Sezvineiwo, chikwereti chako chese-chikwereti-chemari chinofanira kuwira pasi pe43%. Asi iwo hausi mutemo wakaomarara uye unokurumidza. Zvimwe zvinhu zvinotorwawo mukati.
4. Kuunganidza mapepa ako emari.
Zvinyorwa ndizvo zvakajairika zvekutenga imba muCalifornia. Paunonyorera kuti uve nechikwereti chemba, iwe uchazobvunzwa akasiyana siyana magwaro emari. Mukweretesi anozozvishandisa kuongorora mari yaunowana uye zvinhu, nhoroondo yako yechikwereti, uye zvimwe zvinhu zvemamiriro ako emari.
Zvinyorwa zvinowanzobvunzwa zvinosanganisira zvirevo zvebhengi zvichangoburwa, mafomu emitero uye mafomu eW-2 kwemakore maviri apfuura, mabhadharo ekubhadhara, uye mamwe magwaro ane chekuita nemari. Vanozvishandira vanokwereta vanogona kufanirwa kupa mamwe magwaro, senge purofiti uye kurasikirwa (P&L) chirevo.
5. Kuongororwa kwemusha.
Kana iwe urikushandisa chikwereti chemba kutenga imba muCalifornia, chivakwa chingangotariswa pasati pabhadharwa mari. Nekudaro, kuongororwa kweimba ndechimwe chinhu chakakosha pakutenga imba.
Munguva yeichi chiitiko, akadzidziswa uye ane rezinesi kumba appraiser anoshanyira imba uye kuiongorora mukati nekunze. Iye anoongorora anozopa fungidziro yeiyo kukosha kweiyo chivakwa mumusika wazvino weimba. Mukweretesi anoda kuve nechokwadi chekuti mari yakabhadharwa yeimba inoratidza kukosha kwechokwadi kwemusika.
Semutengi wemba, hapana chaizvo zvekuita panguva yekuyedza maitiro. Mukweretesi anozvironga uye iye anokoshesa anotumira chirevo chake kune anenge akweretesa. Icho chingori chinhu chekuchengetedza mupfungwa.
Kuongorora kwepamba zvakare kunosimbisa kukosha kwekuita smart bhizimusi zvichienderana nemamiriro ezvinhu emusika aripo. Kana iwe ukapa mari iri pamusoro pemutengo wekukosha, iyo pfuma inogona kunge isingaenzaniswi pamutengo wakabvumiranwa wekutenga. Izvi zvinogona kugadzira mugwagwa wekubvumidzwa kwenyongoro.
Saka ipapo unayo, zvishanu zvepamusoro zvinodiwa zvekutenga imba muCalifornia.
Pfupiso
California ine sarudzo hombe yezvirongwa zvinowanikwa kune vekutanga-vatengi vemba. Kutanga, ita ongororo yako pane iyo CalHFA webhusaiti kuona kuti ndeupi chirongwa iwe chauri kufarira. Tevere, tanga pre-mvumo maitiro uye dzidza nezve zvaunogona kuita. Chekupedzisira, mudiwa pamwe neako wemu real estate mumiriri kuti uwane imba yako yekurota muCalifornia.
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Zviri Mukati
- California Yekutanga Nguva Yekutenga Mapurogiramu Zvirongwa
- 1. CalHFA Yakajairwa Chikwereti Chirongwa
- 2. CalPLUS Yakajairwa Chikwereti Chirongwa
- 3. CalHFA FHA Chikwereti Chirongwa
- 4. CalPLUS FHA chikwereti chirongwa
- 5. CalHFA VA Chikwereti Chirongwa
- 6. CalHFA USDA Chikwereti Chirongwa
- 7. CalHFA Pasi Kubhadhara Rubatsiro Zvirongwa
- MyHome rubatsiro chirongwa
- MyHome Yevashandi veChikoro, Vashandi veDhipatimendi reMoto, uye VA Vanokwereta Zvikwereti
- Zvirongwa zvemunyika zvevatengi vekutanga-vemba vatengi
- 5 makiyi anodikanwa ekutenga imba muCalifornia
- 1. Kuchengetedza kwekubhadhara pasi.
- 2. Chengetedza chikwereti chakanaka.
- 3. Kugadzirisa chikwereti chako.
- 4. Kuunganidza mapepa ako emari.
- 5. Kuongororwa kwemusha.
- Pfupiso