Ukuhlawula okuphantsi kweNtlawulo kunye neemfuno zeTyala
- Yenza intlawulo ephantsi njengama-3.5 ekhulwini.
- Yivunyelwe ukuboleka ngekhredithi engqinileyo okanye iingxaki kwiimbali zakho zemali.
- Thenga amakhaya angabodwa-iintsapho, ii-condos, iipropati zeeyunithi ezininzi, kunye nemikhiqizo eyenziweyo ene-FHA.
- Fumana imali engaphezulu (ngaphaya nangaphezulu kwemali mboleko yakho yokuthenga) yokulungiswa kunye nokulungiswa kwenkqubo ye-FHA 203k.
- Ingxowa yakho phantsi kwentlawulo ngesipho sesipho okanye uncedo kumthengisi.
Siza kugubungela zonke iinkcukacha ngezantsi. Ukufumana umboleko we-FHA, thetha kunye nomthengisi wendawo okanye kwi-intanethi uze ubuze malunga neenkqubo ze-FHA.
Yintoni i-FHA Loan?
Umboleko we-FHA ngumboleko wesikolo e-US Federal Housing Administration (FHA). Ababolekisi abazimeleyo banjengeebhanki kunye neemanyano zemali-mboleko zikhupha iimali-mboleko, kwaye i-FHA inika inkxaso: Ukuba awuyibuyisanga imali mboleko yakho, i-FHA iya kuhlawula umboleki.
Ngenxa yesiqinisekiso, ababolekisi bazimisele ukwenza iimali-mboleko ezinkulu zemali kwiimeko xa bengenakufuna ukuvuma izicelo zeziboleko.
Izinzuzo ze-FHA Imali
Imali-mboleko ye-FHA ayilungeleli kubo bonke abantu, kodwa iimeko ezifanelekileyo kakhulu kwiimeko ezithile. Isibheno esikhulu sikwenza ukuba kube lula ukuthenga ipropati. Kodwa khumbula ukuba ezi nzuzo zihlala ziza kunye ne-tradeoffs.
Impawu ezintle kakhulu ziquka:
Inkokhelo encinci: I- FHA mboleko ikuvumela ukuba uthenge ikhaya ngokuhlawula okuphantsi kwe-3.5 ekhulwini. Ezinye iinkqubo (eziqhelekileyo) zemboleko zingadinga inkokhelo enkulu, okanye zifuna izikolo eziphezulu zemali kunye neengeniso eziphezulu ukuze zivunywe kunye nentlawulo encinci.
Ukuba unamaphesenti angama-3.5 atholakalayo, unokube ngcono xa wenza imali engaphezulu.
Ukwenza okunjalo kukunika ukhetho oluninzi, kwaye uza kusindisa imali kwiindleko zentsalo phezu kobomi bemboleko yakho.
Imali yezinye iintlanga: Kulula ukusebenzisa izipho zokuhlawula iindleko kunye nokuvala iindleko ngeFHA.
Kwakhona, abathengisi banokuhlawula iipesenti ezi-6 zomyinge-mboleko kwiindleko zokuvala umthengi. Unokufumana inzuzo kwilo marike yomthengi, kodwa nakwiimarike ezinamandla, unako ukulungelelanisa ixabiso lakho lokunikezela ngokwaneleyo ukukhohlisa abathengisi.
Isihlwayo sokuhlawulwa kwangaphambili : Akukho (inkulu kunye nababolekisi be-subprime ).
Iimali-mboleko ezingenakwenzeka: Umthengi unako "ukuthatha" umboleko wakho we-FHA ukuba unokwakhokelela . Bakhetha apho ushiye khona, uzuze kwiindleko zenzalo ephantsi (kuba sele usuhambe kwiminyaka enomdla kakhulu, ongayibona kunye netafile yentengiso ). Ngokuxhomekeke ekubeni ingaba amaxabiso angatshintshi ngexesha lokuthengisa, umthengi unokunandipha inqanaba elincinci lomdla elingenakufumaneka kwimeko yangoku.
Ithuba lokubuyisela kwakhona kwakhona: Ngokuchithwa kwangoko okanye ukugqithiswa kwimbali yakho, iimali-mboleko ze-FHA yenza kube lula ukufumana imvume. Iminyaka emibini okanye emithathu emva kokuba ubunzima bezemali bubanele ngokwaneleyo ukufumana inkxaso-mali.
Ukuphucula amakhaya kunye nokulungiswa kwezindlu: Imali-mboleko ethile ye-FHA ingasetyenziselwa ukuhlawula ukuphucula ikhaya (ngeenkqubo ze- FHA 203k ).
Ukuba uthengisa ipropati efuna ukuphuculwa, ezo nkqubo zenza kube lula ukuxhaswa ukuthenga kwakho kunye nokuphucula ngemboleko eyodwa kuphela.
Ungayifumana njani i-FHA Loan?
Xa kuthelekiswa neemboleko eziqhelekileyo, iimali-mboleko ze-FHA zilula ukuba zifaneleke.
I-FHA yenza ubunikazi bomzi bufikeleleke kubantu bonke emanqanaba omvuzo. Xa urhulumente eqinisekisa ukuboleka imali, ababolekisi bazimisele ukuvuma izicelo.
Hlola kunye nabathengi abambalwa: Ababolekisi banako (kwaye benze) beka imigangatho enzima kunezona zimfuno ezingaphantsi kwe-FHA. Ukuba unenkathazo ngefayili enye evumelekileyo ye-FHA, unokufumana inhlanhla engcono ngeyodwa. Kuhlala kubulumko ukuthenga ngeenxa zonke.
Imilinganiselo yeNgeniso: Akukho ncinane yemali efunekayo. Ufuna nje ingeniso eyaneleyo yokubonisa ukuba unokubuyiselwa imali mboleko (jonga ngezantsi), kodwa i-FHA mboleko ijoliswe kumboleki abafumana imali encinci.
Ukuba unomvuzo ophezulu, awuvumelekanga, njengoko unokuba kunye neenkqubo ezithile zokuthengwa kwikhaya lokuqala .
Amatyala kwiimali zokufumana imali : Ukufumana umboleko we-FHA, kufuneka ulungelelaniso lwezikweletu ezifanele. Isixa osichithayo kwiintlawulo zemboleko zenyanga zimele ziphantsi, ngokuthelekiswa nomvuzo wakho wenyanga. Ngokuqhelekileyo, kungcono ukuba ube ngaphantsi kwe-31/43. Kodwa kwezinye iimeko, kunokwenzeka ukuba uvumeleke kunye nama-D / I ratios kufutshane nama-50 ekhulwini.
Umzekelo: Cinga ukuba ufumana i $ 3,500 ngenyanga.
- Ukuze uhlangabezane neemfuno eziqhelekileyo, kukulungele ukugcina iintlawulo zakho zezindlu zenyanga ngaphantsi kwe-$ 1,225 (kuba i-$ 1,225 i-31 yeepesenti ezingama-3 500 zamaRandi).
- Ukuba unamanye amatyala ( njengetyala lekhadi lesikweletu ), zonke iintlawulo zakho zenyanga zidibeneyo mazibe ngaphantsi kwe-$ 1,505.
Ukufumana ukuba ungayisebenzisa kangakanani kwiintlawulo, jonga indlela yokubala inkokhelo yokubolekwa kwemali okanye usebenzise i-calculator yemali-mboleko kwi-intanethi ukuze uhlawule iintlawulo zakho.
Amanqaku okuthenga ngetyala: Ababoleki abanamanani amanqaku aphantsi kwintengo zemali-mboleko banakho ukufumana imvume yokufumana iimali-mboleko ze-FHA. Ukuba ufuna ukwenza amaphesenti angama-3.5 phantsi kwentlawulo, amanqaku akho anokuba njengama-580. Ukuba uzimisele ukwenza intlawulo ephezulu, amanqaku akho anokuthi ahlawule (i-10 ephantsi kweentlawulo zifana neenombolo ze-FICO phakathi kuka-500 no-580).
Kwakhona, ababolekisi banokubeka imida ekhuselekileyo kuneemfuno ze-FHA. Ukuba unamanqaku aphantsi (okanye akukho mlando wesikweletu), unokufuna ukufumana umboleki-mboleko onokubhala phantsi . Le nkqubo inika ababolekisi ukuvavanya ukuthenga ngetyala ngokujonga "ulwazi oluthile" lweentengo zemboleko, kubandakanywa irente-ntlawulo kunye neentlawulo zomsebenzi.
Isixa semali : I-FHA imisela ukuba ungayimboleka kangakanani. Ngokuqhelekileyo, ulinganiselwe kwimali ebolekileyo yemali mboleko malunga neendleko zasekhaya kwindawo yakho. Ukutyelela iWebhu ye-HUD ukuze ufumane ama-maximums asekuhlaleni. Ukuba ufuna imali emininzi, jonga iimboleko ze-jumbo , kodwa qaphela ukuba udinga i-credit and strong income.
Ufanele uzame: Nangona ucinga ukuba awuyi kuvunyelwa, khuluma nekhredithi evunyiweyo ye-FHA ukuze uqinisekise ngokuqinisekileyo. Xa ungahlangabezane neendlela zokuvunywa eziqhelekileyo, izinto ezihlawulelwayo-njengentlawulo enkulu ekhupha umlando wakho wekhredithi-unokukunceda ukuba ufaneleke.
I-FHA Imali Isebenza?
Ababolekisi ngabangasese bakhupha iimali-mboleko ze-FHA, kwaye i-FHA inika umnini-mboleko ngesiqinisekiso sokunciphisa ingozi yomboleki. Ukufumana imali mboleko, qalisa ngomthengisi wendawo yokuboleka imali , umthengisi we-mortgage broker, okanye igosa lemboleko kwiziko lakho lemali. Xoxa ngeendlela ozikhethayo, kubandakanywa iimali-mboleko ze-FHA nezinye iindlela, kwaye wenze isigqibo malunga nenkqubo efanelekileyo yezidingo zakho.
I-inshurensi ye-Mortgage: I-FHA ithembisa ukubuyisela ababolekisi ukuba umntu obolekayo aphelelanga kwi-FHA mboleko. Ukuxhaswa kwelo xanduva, ii-FHA iintlawulo zabboleki (nguwe) intlawulo.
- Abathengi basekhaya abasebenzisa iimali-mboleko ze-FHA bahlawula i- premium ye-mortgage insurance premium (MIP) ye-1.75 ekhulwini.
- Ababoleki bahlawula imali eqhubekayo ngokuqhubekayo nganye ntlawulo nganye ngenyanga. Imali oyihlawulayo incike kumngcipheko we-FHA uthatha ngemboleko yakho. Imali-mboleko yesikhashana, iimali ezincinci, kunye neentlawulo ezinkulu zikhokelela kwiindleko ze-inshorensi eziphantsi. Ezi ntlawulo zivela kwi-0.45% ukuya kwi-1.05 yepesenti ngonyaka.
Iimali-mboleko ze-FHA ziyafumaneka kwiindidi ezininzi zeepropati. Ukongeza kwimizi eqhelekileyo yentsapho, ungathenga ama-duplexes, amakhaya akhiwe kunye nezinye iintlobo zeepropati.
Kutheni Uphephe i-FHA Imali?
Nangona beza nezixhobo ezikhangayo, unokufumana ukuba i-FHA mboleko ayikho kuwe.
Imida yokuboleka: Kwezinye iimeko, i-FHA ayinikezeli ngemali eyaneleyo xa ufuna imali enkulu. Ukuba uthengisa ipropati ebiza kakhulu okanye ukhangele kumashishini atshisayo, i-FHA ingenakukusebenzela.
Inkampani yomshuwalense we-Mortgage: I-premium yangaphambili ye-mortgage yomshuwalense kunye ne-premium eziqhubekayo zingabiza ngaphezu kwe-inshurensi yokubambisa i-inshurensi . Kwezinye iimeko, akunakwenzeka ukukhansela i-inshurensi yokubolekisa ngemali kwi-FHA mboleko. Kodwa kulula kakhulu ukukhansela i- PMI kwiimali-mboleko eziqhelekileyo njengoko ukwakha ubulungisa.
Ezinye iindlela zokuhlawula phantsi: Unokukwazi ukuthenga indlu encinane kakhulu usebenzisa imali-mboleko-ngaphandle kokuxhasa i-FHA. Ngokukodwa xa unetyala elifanelekileyo , unokufumana izibonelelo ezikhuphisanayo ezibetha i-FHA mboleko. Ngale nkqubo, unokukwazi ukuphelisa nayiphi na inshurensi yokuthenga imali ngokukhawuleza ngokwakha ubulungisa ekhaya lakho .
Kuhlala kusisilumko ukuthenga ngeenxa zonke. Thelekisa okubonelelwa kwimithombo eyahlukeneyo-kubandakanywa iimali-mboleko ze-FHA kunye nemali-mboleko eqhelekileyo- phambi kokuba uthathe isigqibo sokwenza isenzo. Thetha kunye neengcali zengxowa-mboleko ukuze ufumane ukhokelo malunga neenkqubo ezifanelekileyo kwimeko yakho.
Ukufumana iinkcukacha ezongezelelweyo malunga neengxaki kunye neengxaki zemali-mboleko ka rhu lumente, bona i- FHA Loan Pitfalls .