FHA 203k ezisiseko
Ezinye iipropati ziphantse zifikeleleke-indawo ilungile, kunye nepropati inakho, kodwa ukuphuculwa okubalulekileyo kufuneka kwenziwe.
Ngaphandle kwezilungiso, ikhaya lingenakulungele ukuhlala, kwaye ababolekisi bangenakho ukuxhasa imali mboleko kwipropati eneengxaki.
I-FHA 203k yenza kube lula ukuba uphendule loo propati ibe yindlu (kwaye ufumane loo propati kwiimarike kwaye ube yinxalenye ebalulekileyo yoluntu kwakhona).
Ukulungiswa kweNgxowa kunye nokuthengwa: Unokuboleka ngokwaneleyo ukuthenga kwakho kunye nokwaneleyo ukwenza ukuphuculwa okuyimfuneko. Ngenxa yokuba iGunya likaZwelonke leZindlu (FHA) libandakanyekile, ababolekisi bazimisele ukuqhubela phambili kunye nepropati abayi kuyenza.
Izindlu zesikhashana: Ngaphandle kokuba ufuna ukuhlala kwindawo yokwakha, uya kufuna iimali kwezinye iindawo zokuhlala. Kwezinye iimeko, unako ukuboleka okongeziweyo ukuze uhlawule irente okanye u-mortgage yakho ephakathi kweenyanga ezintandathu.
Uhlolo lweprojekthi: Iprojekthi yakho kufuneka igqitywe kwisithuba seenyanga ezintandathu. Iifom zifakwa kwi-akhawunti yokukhawuleza kwaye zihlawulwe kwiikontraka njengoko umsebenzi ugqityiwe.
Kubalulekile ukusebenza kunye neenkontrakthi ezihloniphekileyo ezingagqithisiyo kwaye ziyazi kakuhle inkqubo ye-203k.
Ulungelelwaniso: Imibutho yabanikazi / abahlali kunye nabangenzi nzuzo bangasebenzisa i-FHA 203k, kodwa abatshali-mali. Iprogram yenzelwe iipropati zeyunithi enye, kodwa i-condo kunye nabanikazi beedolophu bangasebenzisa inkqubo yeeprojekthi zangaphakathi.
Awudingi i-credit epheleleyo -kuba i-FHA ikhusela ababolekisi xa ungekho phantsi, kulula ukuba ufaneleke. Usadinga ingeniso eyaneleyo yokufihla iintlawulo. Kungcono ukuba netyala lokufumana ingeniso elingcono kune-31/43, kodwa unokukwazi ukuya phezulu.
Ngokuxhomekeke kuhlobo lophuculo oye luceba, ezinye iintlobo zemboleko zingase zibe ngcono. Kwiiprojekthi ezizinzileyo zendalo (njengendlela yokuphucula ukushisa okunyusa amandla kunye neenkqubo zokupholisa) umboleko we- PACE unokunika inkxaso-mali . I-PACE iyafumaneka kwiimpahla zorhwebo ngokunjalo.
Iinkcukacha zetyala
Kufuneka ubole ubuncinane i-$ 5,000, kwaye kukho imida emininzi ebekwe yi-FHA ehlukileyo kwindawo. Kuba abaninzi abantu bathenga ikhaya linye lentsapho elingaxakalisi, uya kulahla kule miqathango. Kwiiprojekthi ezincinci, i- Limited FHA 203k (ngaphambili ephantsi kwegama elithi Streamline 203k) ikuvumela ukuboleka ngaphantsi ngenkqubo elula.
Unako ukuboleka ngokwaneleyo ukuxhasa imali engama-110 ekhulwini lexabiso leprojekthi emva kokuphuculwa. Abahloli baya kuhlola izicwangciso zakho kwaye bathathe ixabiso elizayo lakho kwikhaya lakho.
Inzala: Inzala yemali iyahluka, kuxhomekeke kwizinga ngokubanzi kunye nekhredithi yakho. Lindela ukuhlawula umyinge wepesenti ezi-1 okanye ngaphezulu kunokuba ungayihlawula ngemboleko ephantsi.
Cinga ngolu hlobo njengeendleko zokuvunywa okulula (okanye ukubophelela kokubili ukuthenga kwakho kunye nokuphucula imali mboleko kwelinye). Ngaphezu koko, ababolekisi kufuneka benze okulandelelweyo komsebenzi wokulandelela inkqubela yeprojekthi yakho kunye nokuphathwa kweentlawulo. Ngelo xesha, umboleko uqinisekisiwe yi-FHA, ukuze abanini-mboleko banokunikela ngesantya esingaphantsi kunokuba ufumane kwenye indawo. Thelekisa kwaye unike umboleko osebenza kakuhle kuwe. Imali-mboleko engama-203k ingaba yi -rate-fixed rate okanye imirhumo yemirhumo eguquguqukayo kunye nokuhlawulwa kwemali ukuya kwiminyaka engama-30.
Inkokhelo ephantsi: Ngeemali ezi-203k, njengeminye yemali-mboleko ye-FHA, unokuhlawula kangangoko ama-3.5 ekhulwini ngaphambili. Kodwa kukho izizathu ezintle zokwenza intlawulo enkulu xa unako.
Contractors kunye ne-DIY
Imali-mboleko ye-203k ikunika ithuba lokwenza uphuculo olunzulu ekhaya lakho. Kwakhona ufumana ukwenza izinto ezibaluleke kakhulu kuwe: ukuba ufuna ukusebenzisa izixhobo eziphathekayo eziluhlaza okanye ezisebenzayo zamandla, ukhululekile ukwenza njalo.
Awukwazi ukuhlawula izinto zokunethezeka nge-203k, kodwa unokwenza uphuculo olumangalisayo.
Ngelishwa, awuvunyelwe ukuba wenze lo msebenzi. Nokuba ungekhono, unkontileka okhutshelwe ilayisenisi, ungalindelanga ukuphatha yonke imisebenzi.
Kumele usebenzise iikontraki ezinelayisenisi kuwo wonke umsebenzi, kwaye kubalulekile ukuba bayazi ukuba usebenzisa 203k. Oku kunokulawula abantu abathile abasebenzisa ngaphambili kwaye baye bahlakulela ubudlelwane nabo. Inkqubo ye-203k yonke malunga nemaphepha kwaye ilandele imithetho ethile, ngoko zibophelele inkululeko encinci kunokuba unokucinga xa ulungisa ikhaya lakho.
Ukuba ungumtyalomali enethemba lokufakela izindlu, kukho iindlela ezingcono, kubandakanywa nemali evela kubathengi bangebucala .
Okuhle nokubi
Imali-mboleko ye-203k inkulu ekuphuculeni ipropati enethemba lokuhlala kuyo.
Iindleko: Imali-mboleko ye-FHA 203k inakho okanye ayikwazi ukuba yinto enokuthenga ngayo. Uza kuhlawula i-premium ye-mortgage insum yomshuwalense (MIP), kwaye uza kuhlawula umrhumo omncinci oqhubekayo kwintlawulo nganye ngenyanga. Umbolekisi wakho unokuhlawula 'intlawulo eyongezelelweyo yemali ' (i-1.5% okanye i-350). Abanye ababolekisi abangama-203k ngokuqinisekileyo baya kuhlawula iirhafu, ngoko kufuneka ufumane izicaphuno ezivela kwimithombo emininzi (ujonge iintlobo ezahlukeneyo zemboleko) ngaphambi kokuba wenze isigqibo.
I-Paperwork: Ezi mboleko ziyaziwa kakhulu ngamaphepha. Uza kuzalisa iifom ezininzi, kwaye iikontraki zakho zixhomekeke kwezinye iintlungu. Ukuba awunayo imonde ukulandela yonke into, cinga ezinye iindlela.
Ixesha: Ukongeza kwithuba elithathayo ukujongana nemaphepha, uza kufuneka ulinde iimpendulo kwi-FHA kunye nomboleki wakho. Baye baninzi (okanye ngaphezulu) amaphepha ukuze bawenze ekupheleni kwabo. Ngokukodwa xa uzama ukuthenga ipropati kwimarike yezokhuphiswano, oku kungaba ngumthengisi.
Imilinganiselo efunekayo: Unakho ukuphucula ezithile engqondweni, kodwa i-FHA ifuna ukuba ujongane nemicimbi yezempilo kunye nezokhuseleko kwaye uhlangabezane nazo zonke iikhowudi zokwakha. Ipeyinti yenkqubela, iingxaki zombane, kunye nezinye izinto zingongezwa kwiluhlu lwakho lweprojekthi ngokungalindelekanga. Ukujongana nale micimbi mhlawumbi yinto efanelekileyo nantoni na, kodwa unononophelo oluncinane malunga nendlela kunye nendlela yokulungisa ngayo loo ngxaki.