Idasinthidwa Komaliza pa Novembala 8, 2020
Tsambali limapereka zambiri zamomwe mungapezere ngongole za FHA. Apa, mutsatira zomwe ngongole za FHA zili, momwe mungazipezere, zofunika kuti mupeze ngongole za FHA, momwe mungalembetsere, ndi zina zonse zofunika zomwe mungafune kudziwa za ngongole za FHA. Chonde khalani tcheru.
M'ndandanda wazopezekamo
Kodi Ngongole ya FHA Ndi Chiyani?
Ngongole ya Federal Housing Administration (FHA) ndi ngongole yanyumba yomwe ili ndi inshuwaransi ndi Federal Housing Administration (FHA) ndipo imaperekedwa ndi wobwereketsa wovomerezedwa ndi FHA. Ngongole za FHA ndi za obwereketsa omwe amapeza ndalama zochepa komanso zapakati; amafunikira malipiro otsika otsika ndi ziwongola dzanja zotsika kuposa ngongole zambiri wamba.
Mutha kubwereka mpaka 96.5% ya mtengo wanyumba yanu ndi ngongole ya FHA. Izi zikutanthauza kuti muyenera kulipira koyambirira kwa 3.5%. Mufunika ngongole zosachepera 580 kuti muyenerere. Ngati ngongole yanu igwera pakati pa 500 ndi 579, mutha kupezabe ngongole ya FHA ngati mutalipira 10%.
Ndi ngongole za FHA, malipiro anu angabwere kuchokera ku ndalama, mphatso yandalama kuchokera kwa wachibale, kapena thandizo lothandizira kulipira pang'ono. Chifukwa cha maubwino awo ambiri, ngongole za FHA ndizodziwika ndi omwe amagula nyumba koyamba.
Ndikofunika kuzindikira kuti ndi ngongole ya FHA, FHA sichikubwereketsa ndalama zogulira ngongole. M'malo mwake, mumalandira ngongole kuchokera kwa wobwereketsa wovomerezedwa ndi FHA, monga banki kapena bungwe lina lazachuma. Komabe, FHA imatsimikizira ngongoleyo. Anthu ena amachitcha ngati ngongole ya inshuwaransi ya FHA, chifukwa chake.
Kuti apeze chitsimikiziro cha FHA, obwereka omwe akuyenera kulandira ngongole ya FHA amafunikanso kugula inshuwaransi yanyumba, ndipo malipiro amaperekedwa ku FHA. Wobwereketsa wanu amakhala ndi chiopsezo chochepa chifukwa FHA idzalipira ngongole kwa wobwereketsa ngati simukulipira ngongole.
Mitundu ya Ngongole za FHA
FHA imapereka njira zingapo zobwereketsa.
1. Ngongole Yogulitsira Kunyumba (HECM)
Iyi ndi pulogalamu yobwereketsa nyumba yomwe imathandiza achikulire azaka 62 ndi kupitilira apo kusintha ndalama zomwe zili m'nyumba zawo kukhala ndalama ndikusunga dzina lanyumba. Mumasankha momwe mungachotsere ndalamazo, monga ndalama zokhazikika pamwezi kapena mzere wangongole (kapena kuphatikiza zonse ziwiri).
2. FHA 203 (k) Ngongole Yowonjezera
Ngongoleyi imatengera mtengo wa kukonzanso kwina ndi kukonzanso ngongoleyo. Ngongole imodziyi imakulolani kuti mubwereke ndalama zogulira nyumba ndi kukonza nyumba, zomwe zingapangitse kusiyana kwakukulu ngati mulibe ndalama zambiri mutabweza.
3. FHA Energy Efficient Mortgage
Pulogalamuyi ndi yofanana ndi pulogalamu ya FHA 203(k) Yowonjezera Ngongole, koma cholinga chake ndi kukweza zinthu zomwe zingachepetse ndalama zomwe mumagwiritsa ntchito, monga kutchinjiriza kwatsopano kapena kukhazikitsa makina atsopano amagetsi adzuwa kapena mphepo. Lingaliro ndiloti nyumba zogwiritsira ntchito mphamvu zimakhala ndi ndalama zochepa zogwirira ntchito, zomwe zimachepetsera ngongole ndikupanga ndalama zambiri zogulira ngongole.
4. Gawo 245 (a) Ngongole
Iyi ndi pulogalamu ya obwereka omwe amayembekezera kuti ndalama zawo ziwonjezeke. Pansi pa pulogalamu ya Gawo 245 (a), Ndalama Yobwereketsa Yolipidwa imayamba ndi zolipira zotsika pamwezi zomwe zimawonjezeka pang'onopang'ono pakapita nthawi, ndipo Growing Equity Mortgage yakonza zowonjezedwa pamalipiro akulu pamwezi zomwe zimapangitsa kuti pakhale ngongole zazifupi.
Momwe Mungapezere Ngongole za FHA: Kuyenerera ndi Zofunikira
Muyenera kukwaniritsa zofunikira zingapo kuti muyenerere ngongole ya FHA. Ndikofunika kuzindikira kuti izi ndi zofunika zochepa za FHA ndipo obwereketsa angakhale ndi zina zowonjezera. Kuti muwonetsetse kuti mumapeza ndalama zabwino kwambiri zobwereketsa za FHA ndi mawu angongole, gulani wobwereketsa wovomerezeka ndi FHA m'modzi ndikuyerekeza zotsatsa.
Muyenera kukwaniritsa zofunika zingapo kuti mukhale woyenera kubwereketsa ngongole ya FHA. Ndikofunika kuzindikira kuti izi ndi zofunika zochepa za FHA komanso kuti obwereketsa akhoza kukhala ndi zina zowonjezera. Kuti muwonetsetse kuti mumapeza ndalama zabwino kwambiri zobwereketsa za FHA ndi mawu angongole, gulani obwereketsa ovomerezeka ndi FHA ndikuyerekeza zotsatsa.
Zolemba ngongole
Chiwongola dzanja chochepa pa ngongole ya FHA ndi 500. Ngati mphambu yanu igwera pakati pa 500 ndi 579, mutha kukwanitsa kubwereketsa ngongole ya FHA, koma mudzafunika kulipira zambiri. Apanso, awa ndi malangizo a FHA - obwereketsa aliyense amatha kusankha kuti afune ndalama zambiri zangongole.
Ndalama Zolipirira Pansi
Ngati muli ndi ngongole ya 580 kapena kuposa, malipiro anu a FHA akhoza kukhala otsika mpaka 3.5%. Ngongole yomwe ili pakati pa 500 ndi 579 ikutanthauza kuti muyenera kutsitsa 10% yamtengo wogula.
Sikuti zonse zimachokera ku ndalama. Mutha kugwiritsa ntchito ndalama zamphatso pakulipira kwanu kwa FHA, bola ngati woperekayo akupatseni kalata yolumikizana ndi inu, ubale wawo ndi inu, kuchuluka kwa mphatsoyo ndi mawu oti palibe kubweza komwe kumayembekezeredwa.
Ngongole ndi Income Ratio (DTI)
FHA imafuna DTI yosakwana 50, kutanthauza kuti ngongole zanu zonse pamwezi sizingapitirire 50% ya ndalama zomwe mumapeza musanakhokhe msonkho. Izi zikuphatikizapo ngongole zomwe simukulipirira.
Kwa ngongole za ophunzira zomwe zatsala pang'ono kubweza, wolemba ngongole ya FHA adzaphatikiza 1% ya ngongole yonse monga ndalama zomwe amalipira pamwezi. Pamitundu ina ya ngongole zomwe simukubweza pano, olemba pansi adzagwiritsa ntchito 5% ya ngongole yonse kuwerengera DTI yanu.
Chivomerezo cha Katundu
Malo omwe mukuyesera kugula ndi ngongole ya FHA, kaya ndi nyumba, kondomu, nyumba yopangidwa kapena nyumba ya mabanja ambiri, iyenera kukwaniritsa zofunikira za FHA.
FHA imafuna kuyesa komwe kuli kosiyana komanso kosiyana ndi kuyang'anira nyumba. Amafuna kutsimikizira kuti nyumbayo ndi ndalama zabwino mwa kuyankhula kwina, zoyenerera zomwe mukulipira ndikuwonetsetsa kuti zikukwaniritsa zofunikira zachitetezo ndi moyo wabwino.
Pa ngongole ya FHA 203(k), malowo akhoza kuyesedwa kawiri kosiyana: Kuyesa kwa "monga momwe kuliri" komwe kumayang'ana momwe zinthu zilili panopa, ndi "pambuyo pakusintha" kuyesa mtengowo ntchitoyo ikamalizidwa.
Ngongole Yanyumba
FHA mortgage inshuwaransi imamangidwa mu ngongole iliyonse. Mukapeza ngongole ya FHA, mudzapanga inshuwaransi ya inshuwaransi yapatsogolo (yomwe imatha kugubuduza kuchuluka kwa ngongoleyo), ndikulipira mwezi uliwonse pambuyo pake.
Mukayamba ndi kubweza ndalama zosakwana 10%, mupitiliza kulipira inshuwaransi yanyumba moyo wanu wonse. Amene ali ndi malipiro otsika 10% adzalipira FHA mortgage inshuwalansi kwa zaka 11.
YAM'MBUYO YOTSATIRA: Kalozera Woyamba Wathunthu Wopeza Ngongole Zabwino Kwambiri Pangongole Yoyipa
Kodi Mungalembe Bwanji Ngongole ya FHA?
Kuti mulembetse ngongole ya FHA, mudzafunikira zikalata zanu zaumwini ndi zachuma, kuphatikiza koma osati ku:
- Nambala yovomerezeka ya Social Security.
- Umboni wakukhala nzika yaku US, kukhala nzika zovomerezeka mwalamulo kapena kuyenerera kugwira ntchito ku US
- Malipoti aku banki, osachepera, masiku 30 apitawa. Mufunikanso kupereka zolembedwa zamadipoziti aliwonse omwe amasungidwa panthawiyo (nthawi zambiri amalipira ma stubs).
Wobwereketsa wanu atha kupeza okha zolemba zofunika, monga malipoti angongole, zobweza msonkho ndi zolemba zantchito. Zochitika zapadera ngati ndinu wophunzira, kapena mulibe mphambu zangongole zingafunike zolemba zowonjezera.
Ngati mukukhulupirira kuti ndinu oyenera kubwereketsa ngongole ya FHA ndipo mwakonzeka kuyitanitsa, choyamba ndikupeza chivomerezo kuchokera kwa wobwereketsa amene mwasankha.
Izi zitha kukhala banki yakudera lanu kapena bungwe la ngongole, wobwereketsa wodziyimira pawokha wobwereketsa nyumba, kapena kuchuluka kwa obwereketsa pa intaneti pa intaneti.
Osawopa kuyambitsa ndondomeko ndi wobwereketsa m'modzi kapena awiri ndikupeza mtengo wamitengo, zolipiritsa ndi zolipiritsa. Ngakhale ndi ngongole ya FHA, bizinesi yobwereketsa nyumba imakhala yopikisana ndipo kusiyana kwa mitengo kapena kutsekera kungakupulumutseni masauzande.
Malire a Ngongole ya FHA
Ziribe kanthu mtundu wa ngongole ya FHA yomwe mukuyang'ana, padzakhala malire pa ngongole yanyumba. Malire awa amasiyana malinga ndi dera. Malire a ngongole a FHA amachokera ku $ 331,760 mpaka $ 765,600.
Malire apamwamba a ngongole za FHA panyumba zabanja limodzi m'maboma otsika mtengo ndi $ 331,760. Chitsanzo chimodzi ndi Lucas County, Ohio, kumene kuli Toledo. Malire apamwamba a ngongole za FHA m'maboma okwera mtengo kwambiri ndi $ 765,600 - San Francisco County, California, mwachitsanzo.
Madera ena ali ndi mitengo yanyumba yomwe imagwera penapake pakati, kotero malire a ngongole ya FHA alinso pakati. Chitsanzo chimodzi ndi Denver County, Colorado, komwe malire a ngongole ya FHA ndi $ 575,000.
Kodi Ubwino ndi Zoipa za Ngongole za FHA Ndi Chiyani?
Ngongole za FHA zili ndi zopindulitsa zambiri zomwe zimawapangitsa kukhala njira yabwino kwa obwereka, koma palinso zovuta. Tiyeni tiyang'ane pa iwo;
Ubwino wa ngongole za FHA
- Mangongole ochepera ochepera kuposa ngongole wamba.
- Malipiro otsika mpaka 3.5%.
- Ngongole ndi ndalama zomwe zimaloledwa kufika pa 50%.
Kuipa kwa ngongole za FHA
- Inshuwaransi ya ngongole ya FHA imatha nthawi yonse ya ngongoleyo ndikulipira ndalama zosakwana 10%.
- Katunduyo ayenera kukwaniritsa miyezo yokhazikika yaumoyo ndi chitetezo.
- Ngongole ya ngongoleyo siingathe kupitirira malire a dera.
Ngakhale kuti FHA imayika zofunikira, zomwe obwereketsa omwe amavomerezedwa ndi FHA zitha kukhala zosiyana.
Mitengo ya chiwongola dzanja ndi chiwongola dzanja cha FHA zimasiyananso ndi wobwereketsa, chifukwa chake ndikofunikira kufananiza sitolo. Kupeza chivomerezo cha chiwongola dzanja kuchokera kwa obwereketsa opitilira m'modzi kungakuthandizeni kuyerekeza mtengo wonse wangongole.
Kodi Pali Kusiyana Kotani Pakati pa Ngongole ya FHA ndi Ngongole Yanthawi Zonse?
Ndikosavuta kuti muyenerere ngongole ya FHA kuposa ngongole wamba, yomwe ndi ngongole yomwe siili ndi inshuwaransi kapena kutsimikiziridwa ndi boma la federal.
- Ngongole za FHA zimalola kubweza ngongole zochepa kuposa ngongole zanthawi zonse ndipo, nthawi zina, kutsika kwa inshuwaransi yobwereketsa mwezi uliwonse.
- Malamulo a FHA ndi omasuka kwambiri okhudza mphatso za ndalama zolipirira zochepa kuchokera kwa mabanja, olemba anzawo ntchito kapena mabungwe othandiza.
- Ngongole za FHA zingaphatikizepo kutseka ndalama zomwe sizikufunika ndi ngongole wamba.
Mafunso Ofunsidwa Kawirikawiri Okhudza Ngongole za FHA
Ndani Angayenerere Kubwereketsa Ngongole ya FHA?
Kuti muyenerere ngongole ya FHA, muyenera kukwaniritsa zofunikira za FHA, kuphatikizapo ngongole yovomerezeka ya ngongole (zochepa zimasiyana malinga ndi kuchuluka kwa malipiro anu) ndi chiŵerengero cha ngongole ndi ndalama zosakwana 50%.
Kodi Ngongole Yanji Ndifunika Pa Ngongole ya FHA?
Malangizo a FHA amakhazikitsa chiwongola dzanja chochepa cha 500 kwa obwereketsa omwe amalipira osachepera 10%, ndi 580 pakubweza pakati pa 3.5% ndi 10%. Komabe, obwereketsa nthawi zambiri amafunikira ngongole zapamwamba kuti athe kulandira ngongole za FHA. Ngati ngongole yanu ingagwiritse ntchito ntchito, ganizirani njira zopangira ngongole yanu.
Kutsiliza
Ngakhale ngongole ya FHA ikhoza kumveka bwino, si ya aliyense. Sizingathandize omwe ali ndi ngongole pansi pa 500. Kwa iwo omwe ali ndi ngongole yoipa, ngongole yaumwini ikhoza kukhala njira yabwino yoganizira. Mosiyana ndi zimenezi, eni nyumba omwe akufuna kuti azitha kulipira ndalama zambiri angakhale bwino ndi ngongole yanyumba. Amatha kusunga ndalama zambiri pakapita nthawi chifukwa cha chiwongola dzanja chochepa komanso ndalama za inshuwaransi yanyumba zoperekedwa ndi obwereketsa wamba.
Musanapemphe ngongole, onetsetsani kuti mwamvetsetsa zomwe mukuwonongera ndalama zanu komanso kuchuluka komwe mukufunikira. Yesetsani kuti musabwereke zambiri kuposa momwe mungabwezere, ndipo onetsetsani kuti mumatha kulipira pamwezi ndi zina zomwe muyenera kuchita.
Kumbukirani kufananiza obwereketsa kuti akupezereni ngongole zabwino za FHA. Yang'anani obwereketsa angapo ndikuyerekeza chiwongola dzanja, ndalama zoyambira, ndi mawu ena. Yang'anani bwino momwe zinthu zilili kuti muthe kusankha ngongole yomwe ingakuthandizireni bwino.
Kodi muli ndi mafunso okhudza momwe mungapezere ngongole za FHA? Chonde khalani omasuka kutidziwitsa kuti tikuthandizeni ndi chidziwitso chilichonse chomwe mungafune.
Tikukhulupirira kuti mupeza izi kukhala zothandiza. Chonde, musazengereze kugawana ndi anzanu, ogwira nawo ntchito komanso achibale omwe mukudziwa kuti angafunike chidziwitso chamtunduwu. Zikomo chifukwa chosamala komanso kukhala ndi zabwino m'tsogolo!