Kutanga Mutengi Wepamba Zvirongwa
Zvigadzirwa zvese zvechikwereti zvemba zvinowanikwa kuburikidza neMMP zvikwereti zvemakore makumi matatu zvine mubereko wakamisikidzwa. Kune marudzi mashoma akasiyana ezvigadzirwa zvechikwereti chemba, uye zvinowanzosiyana zvichienderana nemhando dzerubatsiro rwekubhadhara pasi uye mari yekuvhara inowanikwa navo. Mhando huru dzezvigadzirwa zvechikwereti zvinowanika kuburikidza neMMP ndeye 30st Time Advantage, Flex uye nhamba yakasiyana yezvigadzirwa zvemhando yepamusoro izvo zvinowanzove nenguva shoma. Ruzivo nezve zvigadzirwa zvechikwereti runogona kuwanikwa pane yedu zvirongwa peji.
Kubatsira nekubhadhara pasi uye kuvhara mitengo imari yaunogona kushandisa kuti ukwanise kuwana chikwereti chemba uye kuita kuti kutenga imba kudhure. Mari iripo yekubhadhara pasi uye mari yekuvhara inogona kupihwa nenzira yerubatsiro kana chikwereti chakamisikidzwa chisina mubereko.
Covid rubatsiro rwekutenga imba
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kutsikisa zvekutanga uye zvemukati zvine chinangwa, uye nekukubvumidza kuti utsvage uye uenzanise ruzivo mahara, kuti ugone kuita sarudzo dzemari uine chivimbo.
Izvo zvinopihwa zvinoonekwa pane ino saiti zvinobva kumakambani anotiripa. Muripo uyu unogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pane ino saiti, kusanganisira, semuenzaniso, kurongeka kwazvinogona kuoneka mukati mezvikamu zverondedzero. Asi muripo uyu haukonzeri ruzivo rwatinoburitsa, kana wongororo yaunoona pane ino saiti. Isu hatisanganisire zvakasikwa zvemakambani kana zvipo zvemari zvinogona kuwanikwa kwauri.
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Ndirini paunoonekwa sekutanga kutenga imba zvakare?
Mapurogiramu ekutanga echikwereti chemutengi wemba anowanzo bvumidza vanhu vane mari shoma kana ine mwero kana zvibodzwa zvishoma zvechikwereti kuti vararame chikamu chechiroto cheAmerica: kutenga imba. Kazhinji, ndiyo imba yavo yokutanga. Asi nehunyanzvi, hazvifanirwe kudaro. Mapurogiramu mazhinji anotsanangura "nguva yekutanga" sekunge asina imba mumakore matatu apfuura. Saka, kana imba yako yakatengeswa kana kufungirwa makore anopfuura matatu apfuura, unogona kunge uchikodzera imwe yemapurogiramu echikwereti anotsanangurwa pazasi. Zvimwe zvezvirongwa izvi zvinonangana nemabasa chaiwo, akadai seaya ezvemutemo, dzidzo, uye muchiuto.
Mapurogiramu ekutanga ekutenga imba anobatsira vanhu kuwana zvikwereti zvemari yembavha pavanenge vasingakwanise kuzviwana kumwe kunhu. Sezvo masangano ehurumende achinyora pasi zvizhinji zvezvikwereti izvi, zvinodikanwa zvekukodzera hazvina kusimba pane izvo zvezvikwereti zvakajairika.
The Federal Housing Administration (FHA) inoshanda nevakweretesi vemunharaunda munyika yose kupa zvikwereti kune vanhu vaizotadza kuzviwana. Nekuti hurumende inochengetedza zvimwe zvezvikwereti izvi, vanokweretesa vanonzwa vakasununguka kupa zvikwereti kune vanhu vasina yakanakisa nhoroondo yechikwereti. Isarudzo yakasimba pakati peakasiyana ekutanga-nguva yekutanga kutenga imba zvirongwa.
Ndingawana sei rubatsiro rwekutenga imba yemahara?
Muhoro wako nemutengo wekutenga wemba uri mukati memari inodiwa uye mutengo wekutenga here? Miganho yekuwana inotarwa zvichienderana nenzvimbo yekutenga uye saizi yemhuri, asi haigone kudarika 140% yemari yenzvimbo yepakati. Zvivakwa zviri munzvimbo yakatarwa yedhorobha (UTA) zvinogona kukodzera kuwana mari yepamusoro. Kuti uone kana chivako chako chaurikuda chiri mukati meUTA, shanyira Saiti Muongorori uye uteedzere mirairo yedzidziso, wobva waongorora rakakodzera Mutengo Wekutenga uye Income Limits gwaro, rakabatanidzwa pazasi.
Nhengo dzakasimba dzeNew Jersey Mapurisa uye Fire Retirement System (PFRS) ine gore rimwe rebasa rinokweretwa vanokodzera chirongwa ichi. Iyo yakanyanya mari yemortgage i$647.200. Mari yemubereko inotarwa pamakore makumi matatu. Mitengo yezvirongwa inoiswa semi-pagore muna Kukadzi naNyamavhuvhu. Iwe uchawana rumwe ruzivo mune yedu pepa rechokwadi paMapurisa uye Moto Retirement System mortgage chirongwa.
