FHA Chikwereti
Rudzi urwu rwechikwereti runowanikwa chete kune vanhu vari mune yakasimba mari chinzvimbo, ndiko kuti, ivo vanofanirwa kukwanisa kuzadzisa zvikwereti zvavo zvese pamubhadharo wemubereko uye mari yekugara uye vane 10% yekuchengetedza.
Nepo izvi zvichizoita kuti vamwe vanokweretesa vatende kuti mari yako yakanaka, kune vamwe vangashamisika kuti sei mari yawachengeta isina kuwedzera kana kuti sei mari yakawanda yakaiswa muakaundi yako.
» …Akakwanisa kutiwana nekukasira uye pasina kupokana nechikwereti aine mubereko wakanaka apo vamwe vakatiudza kuti zvaizonyanya kuoma. Kufadzwa zvikuru nebasa ravo uye vangakurudzira zvikuru Nyanzvi dzeMortgage Loan mune ramangwana ”
"... vakaita kuti kunyorera uye kugadzirisa maitiro kuve nyore uye kusanetsekana. Vakapa ruzivo rwakajeka uye vaikurumidza kupindura chero mibvunzo. Vaive vakabuda pachena mune zvese zvaiitwa. "
Pakutanga kubhadhara
Kune vakawanda vanotenga dzimba, kuchengetedza mubhadharo wepasi kunogona kuita semhinganidzo huru, kunyanya nemitengo yemba ichikwira mudenga. Asi pane nzira dzembavha dzakagadzirirwa zvakananga kune avo vasingakwanise kuchengetedza yakajairwa 20% mubhadharo wepasi pamari yechikwereti, kana vasingade kumirira kuita kudaro.
Nzira huru yekuwana mari yembavha pasina kubhadhara mari ndeyechikwereti chinotsigirwa nehurumende. Zvikwereti izvi zvinopihwa inishuwarenzi nehurumende yemubatanidzwa, zvinoreva kuti mukweretesi haafanire kutakura njodzi yese kana kukanganisa kukaitika kunotungamira kuvharirwa. Izvi zvinokurudzira mukweretesi kuti akupe mamwe mazwi echikwereti anofadza. Kune akati wandei sarudzo huru dzekusabhadhara mari yembavha inotsigirwa nehurumende.
Zvikwereti zveVA kazhinji zvine zvakaderera kana kusabhadhara pasi zvinodiwa, uye mubereko wakaderera pane zvechinyakare zvigadzirwa zvemortgage. Zvikwereti izvi zvakare zvinoita kuti zvive nyore kuchinjika, zvichibvumira chikamu chepamusoro-ku-muhoro (DTI) uye yakaderera kiredhiti zvibodzwa, uye hazvidi yakavanzika mortgage inishuwarenzi (PMI).
VA zvikwereti hazvidi kubhadhara pasi chero bedzi mutengo wekutengesa wakaenzana kana kuti wakaderera pane yakarongwa kukosha kweimba. Iyo "VA Home Loan Guaranty" igadziriro yekuti VA inodzosera mukweretesi kana pakaitika kurasikirwa, pachinzvimbo chekubhadhara.
Hurumende Hapana Deposit Mortgage Program
Muchinyorwa chino, tichatarisa dzimwe sarudzo dzauinadzo kana uchida kutenga imba pasina muripo. Tichakuratidzawo dzimwe nzira dzekukwereta dzakaderera, pamwe nezvaungaita kana uine chibodzwa chechikwereti chakaderera.
Sezvinoratidzwa nezita racho, mari yekubhadhara chikwereti cheimba yaunogona kuwana pasina kubhadhara. Kubhadhara kwekutanga ndiko kubhadhara kwekutanga kunoitwa pamba uye kunofanirwa kuitwa panguva yekuvharwa kwechikwereti chemba. Vanokweretesa vanowanzoverenga kubhadhara kwakaderera sechikamu chemari yese yechikwereti.
Semuenzaniso, kana ukatenga imba ne $200.000 uye uine 20% yekubhadhara pasi, iwe unopa $40.000 pakuvhara. Vanokweretesa vanoda mubhadharo wepasi nekuti, zvinoenderana nedzidziso, unozeza kutadza kubhadhara chikwereti kana uine yekutanga investimendi mumba mako. Kubhadhara kwepasi ndicho chipingamupinyi chikuru kune vazhinji vanotenga dzimba, sezvo zvinogona kutora makore kuchengetedza mari yakawanda.
Nzira chete yekuwana mbanje kuburikidza nevakuru vemortgage vatengesi vasina kubhadhara mari ndeyekunyorera chikwereti chinotsigirwa nehurumende. Zvikwereti zvinotsigirwa nehurumende zvinopihwa inishuwarenzi nehurumende yemubatanidzwa. Mune mamwe mazwi, hurumende (pamwe nemukweretesi wako) inobatsira kutsika bhiri kana ukatadza kubhadhara chikwereti chako.
Dzimba dzisina muripo
Kana iwe uri kufunga nezvekutenga imba, kukumbira chikwereti kunogona kuita sebasa rakaoma. Iwe uchafanirwa kupa ruzivo rwakawanda uye kuzadza akawanda mafomu, asi kuve wakagadzirira kuchabatsira maitiro kuti aende zvakanaka sezvinobvira.
Kutarisa kugona kugona inzira yakanyatsotsanangurwa. Vanokweretesa vanofunga nezvese mabhiri ako emumba uye mari yaunoshandisa, pamwe nechikwereti chero chipi zvacho chakadai sezvikwereti nemakadhi echikwereti, kuti uve nechokwadi chekuti une zvasara zvakakwana kuti uvhare mari yako yemwedzi nemwedzi.
Pamusoro pezvo, ivo vanozoita cheki yechikwereti nesangano rereferensi rechikwereti kana wangotumira chikumbiro chekutarisa nhoroondo yako yezvemari uye kuongorora njodzi ingangove iripo mukukweretesa.
Usati wanyorera imba yemba, bata matatu makuru ereferensi masangano uye tarisa marepoti ako echikwereti. Ita shuwa kuti hapana ruzivo rwakashata pamusoro pako. Unogona kuita izvi online, kungave kuburikidza neyakabhadharwa kunyorera sevhisi kana imwe yemahara online masevhisi aripo parizvino.
Vamwe vamiririri vanobhadharisa mubhadharo wezano, gamuchira komisheni kubva kune mukweretesi, kana musanganiswa wezvose. Vachakuzivisa nezvemuripo wavo uye rudzi rwebasa ravanogona kukupa pamusangano wako wekutanga. Vanachipangamazano vepamba kumabhangi nemakambani ezvimba havawanzobhadharisa zano ravo.
