Yakagadziridzwa Kuwedzeredzwa munaNovember 8, 2020
Iri peji rinopa ruzivo rwakadzama rwekuti ungawana sei zvikwereti zveFHA. Pano, iwe uchafambiswa kuburikidza neizvo zvikwereti zveFHA, kuti ungazviwana sei, zvinodiwa kuti uwane zvikwereti zveFHA, maitiro ekunyorera, uye rumwe ruzivo rwese rwakakosha rwaungangoda kuziva nezveFHA zvikwereti. Ndapota ramba wakatarisa.
Zviri Mukati
Chii chinonzi FHA Chikwereti?
Chikwereti cheFederal Housing Administration (FHA) chikwereti chemba chinopihwa inishuwarenzi neFederal Housing Administration (FHA) uye chakapihwa nemukweretesi akatenderwa neFHA. Zvikwereti zveFHA ndezvevanokwereta mari yepasi nepakati; vanoda mari shoma shoma uye zvibodzwa zvakaderera pane zvikwereti zvakajairika.
Iwe unogona ikozvino kukwereta kusvika ku96.5% yeukoshi hweimba yako neFHA chikwereti. Izvi zvinoreva kuti iwe unofanirwa kuita mubhadharo wekutanga we3.5%. Unoda kiredhiti mamakisi angangoita 580 kuti ukwanise. Kana chikwereti chako chikawira pakati pe500 ne579, unogona kuwana chikwereti cheFHA kana ukabhadhara 10% yekubhadhara pasi.
Nezvikwereti zveFHA, kubhadhara kwako kwepasi kunogona kubva mukuchengetedza, chipo chemari kubva kunhengo yemhuri, kana rubatsiro rwekubhadhara-kubhadhara. Nekuda kwemabhenefiti avo mazhinji, zvikwereti zveFHA zvinofarirwa nevanotenga imba kekutanga.
Zvakakosha kuziva kuti neFHA chikwereti, FHA haisi kukweretesa mari yekutora chikwereti. Pane kudaro, iwe unowana chikwereti kubva kune FHA-inotenderwa mukweretesi, sebhangi kana imwe sangano rezvemari. Nekudaro, iyo FHA inovimbisa chikwereti. Vamwe vanhu vanotaura nezvayo seFHA insured loan, nekuda kwechikonzero ichocho.
Kuti uwane vimbiso yeFHA, vanokwereta vanokodzera kuwana chikwereti cheFHA vanofanirwawo kutenga mortgage inishuwarenzi, uye mubhadharo wepamusoro unoitwa kuFHA. Mukweretesi wako anotakura njodzi shoma nekuti FHA ichabhadhara chikumbiro kune mukweretesi kana iwe ukatadza kubhadhara chikwereti.
Mhando dzeFHA Zvikwereti
Iyo FHA inopa dzakasiyana siyana dzechikwereti sarudzo.
1. Home Equity Conversion Mortgage (HECM)
Ichi chirongwa chereverse mortgage chinobatsira vakuru vane makore makumi matanhatu nemaviri zvichikwira kushandura equity mudzimba dzavo kuita mari vachichengeta zita remba. Iwe unosarudza nzira yekubvisa mari, ingave semari yakatarwa pamwedzi kana mutsara wechikwereti (kana musanganiswa wezvose).
2. FHA 203(k) Chikwereti chekuvandudza
Ichi chikwereti chinokonzera mubhadharo weimwe kugadzirisa uye kugadziridza muchikwereti. Chikwereti chimwe chete ichi chinokubvumira kukwereta mari yekutenga imba nekuvandudza imba, izvo zvinogona kuita mutsauko mukuru kana usina mari yakawanda paruoko mushure mekubhadhara.
3. FHA Energy Efficient Mortgage
Chirongwa ichi ipfungwa yakafanana neyeFHA 203(k) chirongwa cheImprovement Loan, asi chakanangana nekuvandudza zvinogona kudzikisa mabhiri ako ekushandisa, senge kutsvairira kutsva kana kuiswa kwesimba idzva rezuva kana mhepo. Pfungwa ndeyokuti dzimba dzinoshandisa simba dzine mari shoma yekushanda, iyo inoderedza mabhiri uye inoita kuti mari yakawanda iwanike yekubhadhara zvikwereti.
4. Chikamu 245 (a) Chikwereti
Ichi chirongwa chevanokwereta vanotarisira kuti mari yavo iwedzere. Pasi peChikamu 245 (a) chirongwa, iyo Graduated Payment Mortgage inotanga nemari yakaderera yekutanga pamwedzi iyo inowedzera zvishoma nezvishoma nekufamba kwenguva, uye Growing Equity Mortgage yakaronga kuwedzera mukubhadhara kukuru kwemwedzi kunoguma nematemu mapfupi echikwereti.
Maitiro ekuwana FHA Zvikwereti: Kukodzera uye Zvinodiwa
Iwe unozofanirwa kugutsa huwandu hwezvinodiwa kuti ukwanise kuwana chikwereti cheFHA. Zvakakosha kuziva kuti izvi ndizvo zvishoma zvinodiwa zveFHA uye vanokweretesa vanogona kunge vaine zvimwe zvinongedzo. Kuti uve nechokwadi chekuti unowana yakanakisa FHA yemortgage rate uye mazwi echikwereti, tenga zvinopfuura imwe FHA-yakatenderwa mukweretesi uye enzanisa zvinopihwa.
Iwe unozofanirwa kuzadzisa zvakati wandei zvinodiwa kuti ukwanise kuwana chikwereti cheFHA. Izvo zvakakosha kuti uzive kuti izvi ndizvo zvishoma zvinodiwa zveFHA uye kuti vanokweretesa vanogona kunge vaine zvimwe zvinotemerwa. Kuti uve nechokwadi chekuti unowana yakanakisa FHA mortgage rates uye mazwi echikwereti, tenga inodarika imwe FHA yakatenderwa mukweretesi uye enzanisa zvinopihwa.
Chikwere chikwereti
Zvibodzwa zvishoma zvechikwereti cheFHA i500. Kana zvibodzwa zvako zvikawira pakati pe500 ne579, unokwanisa kukwanisa kuwana chikwereti cheFHA, asi unotofanira kuita mubhadharo wakakura. Zvekare, aya ndiwo nhungamiro yeFHA - mukweretesi wega wega anogona kusarudza kuda yakakwira yakaderera kiredhiti mamakisi.
Down Payment Funds
Kana iwe uine chikwereti che 580 kana kupfuura, FHA yako yekubhadhara pasi inogona kunge yakaderera se 3.5%. Chibodzwa chechikwereti chiri pakati pe500 ne579 zvinoreva kuti uchafanira kudonhedza 10% yemutengo wekutenga.
Hazvifanirwe kubva zvese kubva mukuchengetedza. Iwe unogona kushandisa mari yechipo kune yako FHA yekubhadhara pasi, chero bedzi mupi achipa tsamba ine ruzivo rwavo, hukama hwavo kwauri, huwandu hwechipo uye chirevo chekuti hapana kubhadharwa kunotarisirwa.
Chikwereti-kune-muhoro Ratio (DTI)
FHA inoda DTI isingasviki makumi mashanu, zvichireva kuti chikwereti chako chemwedzi wega wega hachikwanisi kudarika 50% yemari yako yepretax. Izvi zvinosanganisira zvikwereti zvausiri kubhadhara.
Kune zvikwereti zvemudzidzi mukuremerwa, chikwereti chako cheFHA chemunyoreri chichasanganisira 1% yehuwandu hwechikwereti semari yekubhadhara pamwedzi. Kune dzimwe mhando dzezvikwereti zvausiri kubhadhara parizvino, vanonyora pasi vachashandisa 5% yechikwereti chese kuverengera DTI yako.
Property Approval
Imba yauri kuedza kutenga nechikwereti cheFHA, ingave imba, kondomu, imba yakagadzirwa kana imba ine mhuri dzakawanda, inofanirwa kusangana neFHA zvishoma zvivakwa zvinodiwa.
Iyo FHA inoda kuongororwa kwakasiyana uye kwakasiyana nekuongorora imba. Vanoda kuve nechokwadi chekuti imba ndeyekudyara kwakanaka mune mamwe mazwi, kukoshesa zvauri kuribhadharira uye kuona kuti inosangana nekuchengetedzwa kwekutanga uye mararamiro ehupenyu.
Pachikwereti cheFHA 203(k), chivako chinogona kuongororwa zviviri zvakasiyana: Kuongororwa kwe“sezvazviri” kunoongorora mamiriro ayo pari zvino, uye “mushure mekuvandudzwa” ongororo yekufungidzira kukosha kana basa rapera.
Mogeji Inishuwarenzi
FHA mortgage inishuwarenzi inovakwa muchikwereti chese. Paunowana FHA mortgage, iwe uchaita mari yepamusoro yekubhadhara inishuwarenzi yekubhadhara (iyo inogona kuiswa muhuwandu hwechikwereti), uye ugobhadhara mwedzi wega wega mushure mazvo.
Kana iwe ukatanga nekubhadhara pasi pasi pe10%, iwe ucharamba uchibhadhara mortgage inishuwarenzi yehupenyu hwechikwereti. Avo vane 10% pasi kubhadhara vachabhadhara FHA mortgage inshuwarisi kwemakore gumi nerimwe.
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Maitiro Ekunyorera Yechikwereti cheFHA?
Kuti unyorere chikwereti cheFHA, iwe unozoda kune ako pachako uye emari magwaro, kusanganisira asi asina kugumira kune:
- Nhamba yeSocial Security inoshanda.
- Humbowo hwekuva mugari wemuUS, kugara zviri pamutemo zvachose kana kukodzera kushanda muUS
- Zvisitimendi zvebhangi zve, zvishoma, mazuva makumi matatu ekupedzisira. Iwe zvakare unozofanirwa kupa zvinyorwa kune chero madhipoziti akaitwa panguva iyoyo (kazhinji kubhadhara stubs).
Mukweretesi wako anogona kukwanisa kutora otomatiki mamwe magwaro anodiwa, senge mishumo yechikwereti, marekodhi emitero uye marekodhi ebasa. Mamiriro ezvinhu akakosha senge iwe uri mudzidzi, kana kuti hauna kiredhiti mamakisi angangoda mamwe mapepa.
Kana iwe uchitenda kuti unokodzera kuwana chikwereti cheFHA uye wagadzirira kunyorera, danho rekutanga nderekuwana pre-mvumo kubva kune wako waunosarudza mukweretesi.
Iri rinogona kunge riri bhangi rako remunharaunda kana kiredhiti mubatanidzwa, yakazvimiririra mortgage broker, kana chero nhamba yemunyika online mortgage lenders.
Usatya kutanga maitiro nemukweretesi mumwe chete kana vaviri uye uwane koti yemareti, mubhadharo uye mubhadharo. Kunyangwe nechikwereti cheFHA, bhizinesi rechikwereti rinokwikwidza uye musiyano wemitengo kana yekuvhara mitengo inogona kukuchengetedza zviuru.
FHA Zvikwereti Zvikwereti
Hazvina mhosva kuti rudzii rwechikwereti cheFHA chauri kutsvaga, pachava nemiganho pamari yembanje. Iyi miganho inosiyana nedunhu. FHA miganho yechikwereti inotangira pamadhora mazana matatu nemakumi matatu nenomwe,331,760 kusvika pamadhora mazana manomwe nemakumi matanhatu nemazana matanhatu.
Muganho wepamusoro wezvikwereti zveFHA padzimba dzemhuri imwe chete mumatunhu anodhura ari $331,760. Mumwe muenzaniso iLucas County, Ohio, kune Toledo. Muganho wepamusoro wezvikwereti zveFHA mumatunhu anodhura imadhora mazana manomwe nemakumi matanhatu nemazana matanhatu - San Francisco County, California, semuenzaniso.
Mamwe matunhu ane mitengo yedzimba inowira pane imwe nzvimbo pakati, saka FHA miganho yechikwereti iri pakati. Mumwe muenzaniso ndeweDenver County, Colorado, uko muganho wechikwereti weFHA uri $575,000.
Ndezvipi Zvakanakira uye Zvakaipa zveFHA Zvikwereti?
FHA zvikwereti zvine mabhenefiti akawanda anoita kuti ive sarudzo huru kune vanokwereta, asi kune downsides, zvakare. Ngativatarisei;
Benefits yeFHA zvikwereti
- Zvikwereti zvidiki zvidiki pane zvakajairwa zvikwereti.
- Kubhadhara pasi kwakaderera se3.5%.
- Chikwereti-ku-muhoro reshiyo yakakwira se50% inobvumidzwa.
Zvakaipa zveFHA zvikwereti
- FHA mortgage inishuwarenzi inotora nguva yakazara yechikwereti ine mubhadharo wepasi pasi pe10%.
- Zvivakwa zvinofanirwa kuzadzisa zvakaomesesa zvehutano nekuchengetedza.
- Mari yechikwereti haigone kudarika muganhu unoenderana nenzvimbo.
Kunyange zvazvo FHA ichiisa zvinodiwa neFHA-inotenderwa nevanokweretesa zvinogona kunge zvakasiyana.
FHA mibairo nemari inosiyanawo nemukweretesi, saka zvakakosha kuenzanisa shopu. Kuwana kubvumidzwa kwemortgage kubva kune anopfuura mukweretesi mumwe kunogona kukubatsira kuenzanisa iyo yakazara mutengo wechikwereti.
Ndeupi Misiyano Pakati peFHA Chikwereti uye Chikwereti Chakajairika?
Zviri nyore kuti ukwanise kuwana chikwereti cheFHA pane chikwereti chenguva dzose, iyo inotora chikwereti chisina inshuwarisi kana kuvimbiswa nehurumende yehurumende.
- FHA zvikwereti zvinobvumira kuderera kwechikwereti zvibodzwa pane zvakajairwa zvikwereti uye, mune dzimwe nguva, yakaderera pamwedzi mortgage inshuwarisi kubhadhara.
- Mitemo yeFHA inonyanya kusununguka maererano nezvipo zvekubhadhara mari kubva kumhuri, vashandirwi kana masangano anobatsira.
- FHA zvikwereti zvinogona kusanganisira kuvhara mari isingadiwi nezvikwereti zvakajairika.
Mibvunzo Inowanzo bvunzwa nezve FHA Zvikwereti
Ndiani Anogona Kukodzera kuFHA Mortgage?
Kuti ukwanise kuwana chikwereti cheFHA, unofanira kuzadzisa zvinodiwa neFHA, kusanganisira chibodzwa chechikwereti chinogamuchirika (chishoma chinosiyana zvichienderana nehuwandu hwekubhadhara kwako) uye chikwereti-ku-muhoro chikamu chepasi pe50%.
Ndechipi Chikwereti Chibodzwa Chandinoda kune FHA Chikwereti?
FHA nhungamiro inoisa kiredhiti kiredhiti yemazana mashanu kune vanokwereta vanobhadhara zvishoma 500%, uye 10 yekubhadhara pasi pakati pe580% ne3.5%. Nekudaro, vanokweretesa vanowanzoda yakakwira kiredhiti mamakisi kuti vakwanise kuwana FHA zvikwereti. Kana chikwereti chako chaigona kushandisa basa, funga nzira dzekuvaka chikwereti chako.
mhedziso
Kunyange zvazvo chikwereti cheFHA chinganzwika chakanaka, hachisi chevanhu vose. Hazvizobatsiri avo vane zvibodzwa zvechikwereti zviri pasi pe500. Kune avo vane kiredhiti yakaipa, chikwereti chemunhu chinogona kunge chiri sarudzo iri nani yekufunga nezvayo. Kusiyana neizvi, varidzi vemba vanoshuvira vanokwanisa kubhadhara mubhadharo wakakura wepasi vanogona kunge vari nani pane yakajairika mortgage. Ivo vanonyanya kukwanisa kuchengetedza mari yakawanda mukufamba kwenguva nekuda kwemitengo yakaderera yemubereko uye mari dzeinishuwarenzi dzemortgage dzinopihwa nevanokweretesawo zvavo.
Usati wanyorera chikwereti, ita shuwa kuti unonzwisisa zvauri kushandisa mari yako uye kuti yakawanda sei yaunoda chaizvo. Edza kusakwereta kupfuura zvaunogona kudzorera, uye iva nechokwadi chokuti unokwanisa kubata mubhadharo wepamwedzi pamwe chete nezvimwe zvaunosungirwa kuita.
Rangarira kuenzanisa vakweretesi kuti uwane yakanakisa FHA zvikwereti kwauri. Tarisa kune vakati wandei vanokweretesa uye enzanisa mitengo yemubereko, muripo wekutanga, uye mamwe mazwi. Nyatsotarisa mamiriro acho ezvinhu kuitira kuti usarudze chikwereti icho chichashanda zvakanyanya kwauri.
Iwe une chero mibvunzo yekuti ungawana sei zvikwereti zveFHA? Ndapota inzwa wakasununguka kutizivisa kuti tigone kukubatsira neruzivo rwaungade.
Tinovimba uchawana izvi zvinobatsira. Ndokumbira usazeze kuigovana neshamwari, vaunoshanda navo uye hama dzaunoziva dzinogona kunge dziri kuda ruzivo urwu. Ndatenda nekuchengeta uye uve neyakanaka pamberi!