Fha 100% mari
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvisina tsarukano, uye nekukubvumidza kuti uite tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
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.
100 mari yemortgage Calculator
Vazhinji vanokweretesa vanoda kuti ubhadhare Lender's Mortgage Insurance (SMI) kana vakakukweretesa inodarika 80% yekukosha kwepfuma. Takatsanangura nzira nhanhatu dzekuti ubvumidzwe kukwereta imba isina dhipoziti. Dzimwe dzesarudzo idzi hadzitomboda kuti iwe ubhadhare LMI.
Iyi ndiyo yakanakisa hapana dhipoziti yechikwereti chemba sarudzo inowanikwa muAustralia. Nechikwereti chemba chakachengetedzwa, muchengeti (kazhinji vabereki vako) vanoisa midziyo yavo sechibatiso kuitira kuti ugone kutora chikwereti chisina dhipoziti.
Vamwe vanokweretesa vanobvumira dhipoziti yakwereta uye havadi kuchengetedza kwechokwadi, asi iwe ungangoda imwe mari yako kuti uvhare chitambi uye zvimwe zvinodhura. Kana iwe usina mari yako yawakachengetera, kashoma kuti ubvumidzwe kukwereta.
Pane akati wandei hapana dhipoziti mortgage chikwereti sarudzo. Zvakadaro, takaona kuti kana tikaongorora mamiriro emunhu anokwereta, kakawanda, zvikwereti zvemba zvakachengetwa zvinova sarudzo yakanaka.
Hapana zvikwereti zvedhipoziti zvave sarudzo inoyevedza kune vanhu vazhinji vasina mari yekupa mubhadharo. Mamwe emabhenefiti makuru ekushandisa guarantor kuwana chikwereti chemba pasina dhipoziti ndeaya:
100% mari inorevei kana uchitenga imba?
Munzvimbo dzakawanda dzezvikwereti zveimba, iwe unobhadhara chikamu chekukosha kweimba mberi (iyo dhipoziti), uye ipapo mukweretesi anobhadhara imwe yose (iyo mortgage). Semuenzaniso, kune 80% yechikwereti, iwe unofanirwa kuisa 20% dhipoziti.
Muchengetedzi wako anogona kuisa mari muakaundi yekuchengetedza nemukweretesi wemba, kazhinji 10-20% yemutengo wemba. Ichagara ikoko kwenhamba yakatarwa yemakore. Munguva iyi, muchengeti haazokwanisi kubvisa chero mari.
Paunenge uine 100% yemortgage, iwe uri panjodzi yekupinda mune yakaipa equity mamiriro. Kana izvi zvikaitika, zvinogona kukonzera matambudziko kana iwe uchida kukwereta kana kutamisa dzimba. Iwe unogona kupedzisira wakavharirwa muchikwereti chemukwereti wakajairika uye wobhadhara zvakanyanya kupfuura zvaungaite neanokwikwidza.
Ehe, kune vamwe vanopa mari yemortgage vanokubvumidza kuti uve nedipoziti yenguva pfupi. Kazhinji i10% yekukosha kwemba, iyo inofanirwa kupihwa neanovimbisa, semubereki kana hama.
Nekanguva dhipoziti, mari inoiswa muakaundi yakakosha yekuchengetedza kwenguva yakatarwa. Kazhinji inguva iyo mutengi anofanira kutora kubhadhara mari yakafanana yechikwereti chiri muakaundi yekuchengetedza.
Chii chinonzi 100% mari yemotokari?
Dzimwe sarudzo, dzakadai sechikwereti cheFHA, HomeReady mortgage, uye Chikwereti cheConventional 97, inopa sarudzo dzakaderera dzekubhadhara kutanga pa3%. Mortgage inishuwarenzi mapremiums anowanzo kuperekedza mbavha ine yakaderera kana isina pasi kubhadhara, asi kwete nguva dzose.
Kana iwe uchida kutenga imba isina mari, kune maviri makuru emari yauchafanirwa kudzivirira: kubhadhara pasi uye yekuvhara mari. Izvi zvinogona kuitika kana iwe uchikodzera kuwana zero yekubhadhara mortgage uye/kana chirongwa chekubatsira kutenga imba.
Pane maviri chete makuru zero pasi ekubhadhara chikwereti zvirongwa: iyo USDA chikwereti uye VA chikwereti. Ose ari maviri anowanikwa kune ese ekutanga-nguva uye anodzokorora vanotenga imba. Asi vane zvinodiwa zvakakosha kuti vakwanise.
Nhau dzakanaka nezve USDA Rural Home Loan ndeyokuti haisi "chikwereti chekumaruwa" chete: inowanikwawo kune vatengi munzvimbo dzepasi peguta. Chinangwa che USDA ndechekubatsira "vane mari shoma-kusvika-yepakati vanotenga dzimba" munzvimbo dzakawanda dzeUnited States, kunze kwemaguta makuru.
Vazhinji veterans, nhengo dzebasa rinoshanda, uye vashandi vebasa vakaburitswa zvine ruremekedzo vanokodzera chirongwa cheVA. Pamusoro pezvo, vanotenga dzimba vakapedza angangoita makore matanhatu muReserve kana National Guard vanokodzera, sezvakaita vakaroora venhengo dzebasa vakaurayiwa mumutsara webasa.
