Ngongole ya FHA
Ngongole yamtunduwu imangopezeka kwa anthu omwe ali ndi ndalama zolimba, ndiye kuti, ayenera kukwaniritsa ngongole zawo zonse pachiwongola dzanja cha chiwongola dzanja komanso ndalama zogulira komanso kukhala ndi 10% yosungirako.
Ngakhale kuti izi zidzatsimikizira obwereketsa kuti ndinu abwino ndi ndalama zanu, pali ena omwe angadabwe kuti chifukwa chiyani ndalama zanu sizinachuluke kapena chifukwa chiyani ndalama zambiri zasungidwa muakaunti yanu.
» …Anatha kutipeza mwachangu komanso mosavutikira pangongole pa chiwongola dzanja chabwino pomwe ena amatiuza kuti zikhala zovuta. Ndidachita chidwi kwambiri ndi ntchito yawo ndipo ndingalimbikitse Akatswiri a Ngongole Yanyumba mtsogolo ”
"... adapangitsa kuti ntchito yofunsira ndi kuthetsa vutoli ikhale yosavuta komanso yopanda nkhawa. Anapereka zidziwitso zomveka bwino ndipo amayankha mwachangu mafunso aliwonse. Iwo anali owonekera kwambiri pazochitika zonse za ndondomekoyi. "
Malipiro oyamba
Kwa anthu ambiri ogula nyumba, kusunga ndalama kuti muthe kulipira pang'ono kungawoneke ngati vuto lalikulu, makamaka pamene mitengo ya nyumba ikukwera kwambiri. Koma pali zosankha zangongole zomwe zimapangidwira iwo omwe sangathe kupulumutsa 20% yolipirira ngongoleyo, kapena safuna kudikirira kuti atero.
Njira yayikulu yopezera ngongole popanda kubweza ngongole ndi ngongole yothandizidwa ndi boma. Ngongolezi ndi inshuwaransi ndi boma la feduro, zomwe zikutanthauza kuti wobwereketsa sayenera kukhala ndi chiwopsezo chonse ngati kusakhazikika kumachitika komwe kumabweretsa kulandidwa. Izi zimalimbikitsa wobwereketsayo kuti akupatseni ngongole zabwino kwambiri. Pali zosankha zingapo zazikuluzikulu zogulira ngongole zomwe zimathandizidwa ndi boma.
Ngongole za VA nthawi zambiri zimakhala ndi zofunikira zolipirira zochepa kapena zosachepera, ndipo chiwongola dzanja chimakhala chotsika poyerekeza ndi zinthu zamba zanyumba. Ngongolezi zimakondanso kusinthasintha, kulola kuti chiwongolero changongole-to-income (DTI) chikhale chokwera komanso ziwongola dzanja zotsika, ndipo sizifuna inshuwaransi yanyumba yachinsinsi (PMI).
Ngongole za VA sizifuna kubweza ngongole malinga ngati mtengo wogulitsa uli wofanana kapena wocheperako kuposa mtengo womwe wayesedwa wa nyumbayo. "VA Home Loan Guaranty" ndi dongosolo lomwe VA imabwezera wobwereketsa ngati watayika, m'malo mwa kubweza ngongoleyo.
Boma Palibe Dongosolo Lanyumba Yobwereketsa
M'nkhaniyi, tiwona zina mwazosankha zomwe muli nazo mukafuna kugula nyumba popanda kulipira. Tikuwonetsaninso njira zina zangongole zotsika mtengo, komanso zomwe mungachite ngati muli ndi ngongole zochepa.
Monga momwe dzinalo likusonyezera, ngongole yobwereketsa ndi ngongole yanyumba yomwe mungapeze popanda kulipira. Kubweza ndiye kulipira koyamba komwe kumapangidwa kunyumba ndipo kuyenera kupangidwa panthawi yotseka ngongole yanyumba. Obwereketsa amawerengera ndalama zomwe zabweza ngati peresenti ya ndalama zonse zangongole.
Mwachitsanzo, ngati mugula nyumba $200.000 ndikubweza 20%, mupereka $40.000 potseka. Obwereketsa amafunikira kubweza chifukwa, malinga ndi chiphunzitso, simukufuna kubweza ngongole ngati muli ndi ndalama zoyambira kunyumba kwanu. Kulipira kocheperako ndi vuto lalikulu kwa ogula nyumba ambiri, chifukwa zingatenge zaka kuti musunge ndalama zambiri.
Njira yokhayo yopezera chiwongola dzanja kudzera mwa osunga ndalama zobwereketsa osabweza ndikufunsira ngongole yothandizidwa ndi boma. Ngongole zothandizidwa ndi boma ndi inshuwaransi ndi boma la federal. Mwa kuyankhula kwina, boma (pamodzi ndi wobwereketsa wanu) amathandizira kulipira ngongoleyo ngati simukulipira ngongole yanu.
Nyumba zopanda malipiro
Ngati mukuganiza zogula nyumba, kufunsira kubwereketsa kungawoneke ngati ntchito yovuta. Muyenera kupereka zambiri ndikulemba mafomu ambiri, koma kukonzekera kudzathandiza kuti ntchitoyi ipite bwino momwe mungathere.
Kuwona kukwanitsa ndi njira yowonjezereka. Obwereketsa amaganizira za ngongole zonse zapakhomo ndi ndalama zomwe mumawononga nthawi zonse, komanso ngongole iliyonse monga ngongole ndi makhadi a ngongole, kuti muwonetsetse kuti muli ndi ndalama zokwanira kuti muthe kulipira ngongole yanu ya mwezi uliwonse.
Kuonjezera apo, adzachita cheke cha ngongole ndi bungwe lolozera ngongole mukangotumiza fomu yofunsira kuti muwone mbiri yanu yazachuma ndikuwunika kuopsa komwe kukubwereketsani.
Musanapemphe kubwereketsa, funsani mabungwe atatu akuluakulu ofotokoza zangongole ndikuwona malipoti anu angongole. Onetsetsani kuti palibe zolakwika zokhudza inu. Mutha kuchita izi pa intaneti, mwina kudzera mu ntchito yolembetsa yolipira kapena imodzi mwamautumiki apa intaneti aulere omwe alipo pano.
Othandizira ena amalipira chindapusa cha upangiri, kulandira ntchito kuchokera kwa wobwereketsa, kapena kuphatikiza zonse ziwiri. Adzakudziwitsani za malipiro awo ndi mtundu wa utumiki womwe angakupatseni pamsonkhano wanu woyamba. Alangizi apanyumba m'mabanki ndi makampani obwereketsa nyumba nthawi zambiri salipira upangiri wawo.
