Imali-mboleko yasekhaya yeFHA ayifezekanga
Iimpawu eziphambili zeFHA
Ngaphandle kwerhafu eyonakalisiweyo kunye neengcipheko zeemali zokuhlawula imali , unako ukufumana imboleko yemali ngenani lentengo efanelekileyo.
Ukuhlawula: Iimali-mboleko ze-FHA zikuvumela ukuba ubeke phantsi nje nge-3.5%. Oku kukuvumela ukuba uthenge indlu ebiza kakhulu ngemali encinane, kwaye unako ukugcina imali yokuphucula iiprojekthi okanye ezinye iinjongo.
Imiba yesikweletu : Ababoleki abaneengxaki zemali zemali abanenkathazo kunzima ukufumana imvume kunye nababolekisi abaqhelekileyo. Ngenkxaso ye-FHA, unokufumana imvume kunye nomlinganiselo ophantsi wekhredithi .
Ukuphuculwa kwekhaya : I- FHA 203k mboleko ikuvumela ukuba uhlaziye iiprojekthi zokuphucula ikhaya kwaye uthenge indlu ngexesha elinye. Ukudibene nezinye iimpawu zeemali-mboleko ze-FHA, zenza izinto zibe lula kwaye zingabizi.
Imiba yokusebenzisa i-FHA Loan
Xa uthengisa ikhaya, kuqikelele ukuba uhlole ukuba ngaba i-FHA mboleko ingakunceda. Khangela umfanekiso omkhulu kwaye uqwalasele zonke iinjongo zakho zemali.
Ukuhlawula kwehla: inkokhelo ephantsi ingaba liflegi ebomvu. Ukubeka i-3.5% kungabonakalisa ukuba awukho kwi-solid ground ground, kwaye ukuthatha imali mboleko kwindlu kungaba yingozi.
Ngaba kufanelekile ukujonga amakhaya angaphantsi-mali okanye ukulinda de ukwazi ukugcina inkokhelo enkulu? Khumbula ukuba uboleka kakhulu, umdla owuhlawulayo (okwenza ukuba indlu yakho ibe yindleko ).
Intshurensi yangaphambili: ukubeka phantsi ngaphantsi kwama-20% kuthetha ukuba uza kufuneka ukhokhe i-inshurensi yemali yempesheni , kwaye i-FHA mboleko ifike ngeentlobo ezimbini ze-inshorensi oza kuhlawula ngayo yonke impilo yakho mboleko.
Kukho ukuhlawulwa kwangaphambili kwe-1.75%, kwaye abaninzi ababolekayo bakhetha ukuwufaka le ntlawulo kwi-balance balance. Kwakhona, xa ufuna ukuboleka, unomdla owuhlawulayo - ngoko uhlawula ngaphezu kwe-1.75% ngaphandle kokuba ubhale isheke ekuvaleni. Imboleko enkulu kakhulu ithetha ukuba uya kuba nenkokhelo enkulu ngenyanga .
I-inshurensi eqhubekayo: uza kuphinda uhlawule i-inshurensi yokubambisa i-mortgage rhoqo. Inani eliqhubekayo le-inshurensi ye-mortgage (MIP) iphakathi kwe-0.80% kunye ne-1.05% yemali-mboleko yakho, nangona ingahamba iphantsi kwe-0.45% xa ufumana umboleko we-FHA weminyaka eyi-15. Leendleko ezongezelelweyo kuthetha ukuba uya kuhlawula inyanga nganye. Ngokungafani ninshuwalense yangasese yangasese, enokukhenxiswa xa ufumana ngaphezulu kwe-20% ukulingana ekhaya lakho, i-inshurensi ye-FHA ayikwazi ukukhanselwa (ngaphandle kokuba uboleke imali phambi kuka-Juni 3, 2013). Ngamanye amagama, kuya kufuneka uhlawule umboleko wakho okanye ulungele ukuphelisa loo ndleko .
Ukukhethwa kwemali: ngokubhetele okanye okubi, unokhetho oluncinane xa usebenzisa i-FHA mboleko. Kwabaninzi ababolekisiweyo, umvuzo oneminyaka eli-15 okanye iminyaka engama-30 ebolekelweyo yinto ekhethekileyo - ngoko akukho ngxaki apha. Nangona kunjalo, kukho iimeko ezithile xa umboleko-mboleko kuphela okanye umboleko wezinga lomyinge olungeleyo. Ungazisebenzisi kuphela ezo mveliso kwintlawulo ephantsi - qiniseka ukuba unesicwangciso esikhulu.
Ukunciphisa impahla: Ukufumana umboleko we-FHA ovunyelweyo kufuna ipropathi ehlangabezana nemigangatho ethile. Umzekelo, iimfuno ezisemgangathweni zempilo nezokhuseleko kufuneka zidibene. Ukuba ukhangele i-fixer-upper, i-bargain enkulu, okanye i-foreclosures ethile, i-FHA mboleko ayiyi kusebenza. Kwiipropati ezihambayo zikulungele, umboleko we-FHA kufuneka ulungile. Nangona kunjalo, ukuthenga i-condo kunokuba ngumngeni: ukuba akukho okwaneleyo kwiiyunithi kwisakhiwo sakho umnikazi (okanye ezinye iingxaki ziphakama), umboleko we-FHA kungenzeka ukuba awukhethi.
Ukufaneleka: Iimali-mboleko ze-FHA azihlali zivunyiweyo. Usenokufuna umlinganiselo omncinci wesikweledu, kwaye uya kufuna ukufumana ingxelo engenayo eyaneleyo yokubuyisela umboleko . Ukuze ufanele ukufumana intlawulo ephantsi, uzakufuna umlinganiselo we-FICO ngaphaya kwe-580, kodwa unokufumana imvume kunye namanqaku aphantsi ukuba uceba ukwenza inkokhelo enkulu.
Umthengisi wokungabaza: kwezinye iimeko, i-FHA mboleko ingaba yintlekele xa kuthengwa ikhaya. Abathengisi bathanda ukwazi malunga nabathengi (abameli bezindlu zangasese banokwabelana ngolwazi), kwaye umboleko we-FHA awubonakali amandla. Ngaphezu koko, umthengisi unokwesaba ukuba iimfuno ezingaphezulu ziza kuncitshiswa (kwaye zingasongela) idibanisa. Ukuba uthengisa kumashishini atshisayo, zama enye indlela yokuxhasa imali.
Iingxowa-mboleko
Imali-mboleko yasekhaya ephantsi (engekho inkxaso yi-FHA) isombulula ezininzi iingxaki ezingentla. Nangona ucinga ukuba awuyi kuthotyelwa, kufuneka uthengele umboleko oqhelekileyo - ukuze ubone ukuba zeziphi izibonelelo ezikhoyo. Ngeengxowa-mboleko eziqhelekileyo, uza kuba nokuguquguquka okukhulu, kwaye usenokukwazi ukuthenga kunye ne-5% okanye 10% phantsi.
Kubaboleki bemikhosi, ii-VA mboleko zifanelekile ukujonga.
Ulwazi olubalulekileyo
Imigaqo-nkqubo ye-HUD kunye neempawu zemboleko ze-FHA zitshintsha rhoqo. Eli nqaku lingenakubonakalisa utshintsho olutshanje, kwaye ungaphoswa kwiintlawulo ezibalulekileyo zemali. Ukufumana ulwazi olusesikhathini, uthetha ngqo nommeli we-HUD okanye umcebisi wezindlu ovunywe yi-HUD. Ngolwazi lokuqhagamshelana, tyelela iHUD.gov.