Chirongwa chitsva chekubatsira mari
Mutemo weCoronavirus Aid, Relief, uye Economic Security (CARES) Act wakaraira vanokweretesa vane mari dzembavha dzemhuri imwechete kuti vamise mubhadharo weanokwereta kwemazuva anosvika mazana matatu nemakumi matanhatu kana vakasangana nedambudziko remari nekuda kwedenda re coronavirus. Varidzi vemapoka emhuri dzakawanda ane zvikwereti zvinotsigirwa nemubatanidzwa vaive nemoyo wakafanana asi wakapfupika (360-mazuva).
Mitemo yakatevera, inosanganisira iyo Consolidated Appropriations Act ya2021 neAmerican Bailout Act ya2021, pamwe nekuita kwemutungamiri wenyika, zvakakonzera imwe zororo remba zvichitevera dambudziko remari ra2020.
Federally inokodzera mortgages inogona kubatwa nevaridzi vedzimba pamwe nevaridzi venzvimbo uye vamwe varidzi vebhizinesi. Mitemo inosiyana kune vanokwereta vemba yekugara maringe nevaridzi vezvivakwa zvemhuri dzakawanda.
Federal regulators vanotenda kuti vazhinji vasiri-vanotsigira hurumende vanokweretesa uye vashandi vechikwereti vanotora marongero akafanana neaya anodiwa neCARES Act uye unotevera mutemo. Kuti uzive, taura nemukwereti wako wechikwereti, bvunza kuti ndezvipi zvirongwa zvavanazvo zvekupa rubatsiro rwemba kune varidzi vedzimba vakabatwa neiyo coronavirus kubuda, uye tevera chero mirairo yavanokupa.
Emergency Mortgage Rubatsiro Chirongwa
Zvirongwa zveAPD zvinowanzovapo kubatsira vanotenga dzimba kekutanga, mhuri dzine mari shoma, kana vamwe vatengi vanoshaya. Nekudaro, chirongwa chega chega chekubatsira varidzi vemba chine zvachinoda zvekukodzera, uye zvimwe zvakakura kupfuura zvimwe.
Mamwe ma grant ekutenga dzimba kana ma APD anobva kumasangano asingabatsiri anobatanidza vanhu vane dzimba dzinodhura. Asi akawanda magranti uye zvirongwa zvekubhadhara pasi zvinouya kubva kuhurumende Housing Finance Agencies (HFAs).
Kana iwe uri mune imwe yeaya mabasa uye uchida kuzvipira kugara kweanenge makore matatu munharaunda ichiri kusimukira, ungangoda kuongorora chirongwa ichi mberi.
Fannie Mae's Community Seconds chirongwa chinopa rubatsiro rwekubhadhara pasi uye/kana kuvhara mutengo kune vanotanga kutenga imba vane ruzivo rwekutanga vane chikwereti chemba chaFannie Mae. Inowanzo kusanganiswa neHomeReady chikwereti, chinongoda chete 3% yekubhadhara pasi uye ine zvinochinjika zvinodiwa kune vanokwereta.
Kuburikidza neHomePath, Fannie anobatsira vatengi kutenga REO (real estate) zvivakwa. Chirongwa cheHomePath chinobatsira vanyoreri kuburikidza nemaitiro ese ekutenga imba, kubva pakutsvaga nekuita chinopihwa paimba kusvika pakubhadhara nekuvhara.
mari yekuyamura yemortgage
Vanoroja uye varidzi vemba vasingazive pekutendeukira vanogona kushandisa itsva Consumer Financial Protection Bureau webhusaiti. Iyi webhusaiti inoita kuti zvive nyore kuwana vanopa rubatsiro rwekurenda munharaunda yako. Enda ku:
Bata yako mortgage servicer (kambani yaunotumira mari yako yemwedzi nemwedzi) nekukurumidza kuti uvazivise nezvemamiriro ako azvino. Nhamba dzerunhare dzemortgage servicer yako nekero yekutumira zvinofanirwa kunyorwa pane yako yemwedzi wemortgage statement.
Vatongi vanokubata mazuva angangoita makumi matatu chirongwa chako chekutsungirira chisati chapera kuti vaone kuti ndeipi chirongwa chekubatsira chakakunakira panguva iyoyo. Shanda nemutarisiri wako kuti uone kuti ndeipi sarudzo yaunokodzera kuita.
pano kuti uzive) zvakafukidzwa nekumiswa kwekudzingwa kwechinguva. Maroja anotarisirwa kuramba achibhadhara rendi panguva yekudzingwa, kana vachinge vakwanisa kudaro. Vanhu vari kuomerwa nezvemari vanofanira kubata muridzi wemba kuti vakurukure nezvemamiriro avo ezvinhu nemhinduro dzinobvira.
Rubatsiro rwemari yehurumende
Zvitende kana kwete, zvipo zvekukubatsira kutenga imba zviripo chaizvo. Down Payment Assistance (DPA) inobatsira vanotenga dzimba nerubatsiro kana zvikwereti zvine mubereko wakaderera, zvichideredza mari yavanoda kuchengetedza kuti vabhadhare.
MaDPA mazhinji anoda kuti uve mutengi wemba kekutanga (zvichireva kuti hauna imba mumakore matatu) uine kiredhiti yakanaka uye mari yakaderera kusvika-yepakati. Asi haasi mapurogiramu ose ane mitemo yakafanana.
Imwe neimwe yekubhadhara pasi chirongwa chekubatsira chakasiyana zvishoma. Iwo chaiwo maitiro ekukodzera achaenderana nekwaunogara uye kuti ndeapi mapurogiramu aripo. Izvozvo zvakati, vazhinji vavo vane mazano akafanana.
Nzira yakanakisa yekuona kuti ndedzipi zvirongwa zvekubatsira kubhadhara pasi zvaungakodzere kutaura nemukuru wako wechikwereti kana broker. Vanofanira kuziva nezvezvipo zvemuno uye zvirongwa zvechikwereti zvinogona kukubatsira. Ivo zvakare vanozoziva kuti ndezvipi zvirongwa izvo mukweretesi anogona kugamuchira (kwete vese vanokweretesa vanoshanda nemaDPA ese).
Zvichienderana nekwaunoda kutenga, unogona kunge uri mumutsara pasina. Kana zviuru zvishoma zvemadhora muchimiro chechipiri chechikwereti. Kana zviuru zvakawanda muchimiro cherubatsiro, chausingazombofi wakabhadhara.
