Iimfuneko zeZiFi zokuCoca kunye neziKhokelo zeeNgxowa-mali ze-FHA

Ezinye iindidi zoLungiso azidingeki ukuba ziHlanywe yi-FHA

Ngaphambi ko-2005, abathengisi ngezinye iinkhathi babengafuni ukufumana isipho esivela kumthengi owayefumana umboleko we- FHA . Izizathu eziphambili kukuba i-FHA yayidinga ukulungiswa okuninzi ngaphambi kokuba umboleko uvale, kwaye umthengisi wayehlala ehlawula ukuhlawulela ezo zilungiso ze-FHA. Ukususela ngaloo ndlela, izikhokelo zokulungisa i-FHA ziye zanciphisa.

Akunjalo ngaso sonke isikhathi abathengisi abafuna ukulungiswa kwe-FHA. Kuxhomekeke kwindlela umnikelo wokuthengwa komthengi obhaliweyo ngayo.

Ngokomzekelo, i-ejenti yomthengi ingachaza umda, i-cap dollar, ekulungiseni ukuba umthengisi uyavuma ukwenza ukuba umdayisi unqabe ukuthengisa kumthengi we-FHA. Okanye, umthengi ukhululekile, kunye nemvume yomthengisi, ukwenza umboleki wakhe-ukulungiswa okufunekayo.

Thatha ityala le-Sacramento umthengi oguqule kwi- mboleko yesiqhelo ukuya kwi-FHA mboleko. Xa sazisa umdayisi ukuba umthengi wayitshintshile ingqondo yakhe kwaye ngoku uzimisele ukufumana umboleko we-FHA, umthengisi wavuma kuphela ukuba umthengi uya kuba noxanduva lokwenza nayiphi na imeko yokulungiswa kwemeko ye-FHA efunwa kwi- appraisal .

I-FHA yenze ukuba ibe ngumnyango phakathi kwegalaji kunye nekhaya kuba umnyango okhoyo kwigalaji eqhotyoshelweyo yayingenasiphene. Kwakhona kwafuneka afake iimpawu zokubhema umsi. Oku akuzange kubonakale njengendleko enkulu ngexesha, kodwa umnyango phakathi kwendlu kunye negaraji yayingekho ububanzi obude. Oku kuthetha ukuba isakhelo somnyango kwakufuneka sitshintshwe ukuze sifane nomnyango oqhelekileyo.

Iindleko zakhe ezipheleleyo ziphantse kumaRandi angama-700, kungekhona i-$ 150 i-appraiser eyamxelele ukuba yayiza kubiza.

FHA Ukulungiswa kweeGaraji

Izikhokelo zokulungisa ze-FHA azikho ngokupheleleyo kwaye umgcini- phantsi angabiza ukulungiswa okongeziweyo. Ifulegi ebomvu idla ngokuba igaraji eliguqulelwe. Kuye kwi-appraiser kunye nomgcini we-underwriter malunga nokuba ingaphakathi legalaji eliguqulwayo kufuneka liqhekeke.

I-appraiser nayo inokukhetha ukujonga nje ixabiso lekhaya ngaphandle kokuguqulwa kwegaraji kunye / okanye ukunciphisa indleko yokubhubhisa.

I-FHA Ukulungiswa kweziNgezelelo ezingavumelekanga

Ukukhathazeka okukhulu kwe-FHA yiyo:

• Imiba yezempilo kunye nokhuseleko
• Ukukhusela ukhuseleko lwepropati, kwaye
• Ukuvakala kwesakhiwo kwipropati.

Ngokuqhelekileyo, izongezo ezingavumelekanga kunye nee-remodel azigqitywanga ukukhuphela. Hayi kuphela ukuba i-FHA ifune ukuba ezi zinto ziziswe kwikhowudi, kodwa ukuba i-FHA inqume ukuvuma imvume mboleko ngaphandle kwalo mqathango, i-FHA ayiyi kuqwalasela ukubaluleka kwezinto ezingavumelekanga kwi-appraisal yayo.

Izikhokelo zokulungisa i-FHA nazo zixhomekeke kumboleko wendleko. I-FHA iyakwamkela isakhiwo esingavumelekanga, kodwa izikhokelo zentengiso-mboleko zingabangela ukuba umboleko we-FHA uvunyelwe ngenxa yokongezwa okungavumelekanga okanye ukulungiswa.

Iintlobo ze-FHA Ukulungiswa Okufuneka Kugqitywe Ngaphambi kokuvala i-FHA Loan

• Ukupenda kwipende kumakhaya akhiwe ngaphambi kowe-1978.
• Ukungabonakali kwamanzi kunye neengqungquthela zemvula.
• Ukutshintshisa ekwakheni ngokudinga ukutshabalalisa.
• Ingcango zangaphandle ezingavali kakuhle kwaye zivule.
• I-wiring ebonisiwe kunye neebhokisi ezikhethiweyo .
• Imiba emikhulu yokupaka kunye nokuvuza.
• Iinkqubo zeHVAC ezingasebenzi.
• Uphahla okanye uphahla oluphosakeleyo, uphahla kunye nokulindela ubomi obungaphantsi kweminyaka engama-3, ukubunjwa ngokugubha.

• I-infestation ebonakalayo ebonakalayo nebonakalayo.
• Ukujikeleza iwindow, i-eves, kunye neenkxaso zenkxaso kwi-porch.
• Izixhobo ezilahlekileyo eziqhelekileyo zithengiswa ngekhaya ezifana nesitofu.
• Amagumbi okulala ngaphandle kokunciphisa iifestile okanye iifestile zokulala ngeemivalo ezingayikhululi.
• Isiseko okanye iimpazamo zesakhiwo.
• Eziphantsi komhlaba .
• Ubungqina bokuma kwamanzi kwindawo yokukhahlela.
• Izixhobo zesekhishini ezingasebenzi.
• Amachibi okubhukuda , amachibi angenawo umpompo osebenzayo kunye namachibi aneentlanzi.
• Ukukhupha izikrini.
• Akukho gxobhozo lokuphucula uxinzelelo kumlambo wamanzi.
• Ucingo oluqhotyoshelweyo / oluphukileyo.

Iintlobo ze-FHA Ukulungiswa Okungekho Okufunekayo Ukulungiswa Ngaphambi Kokuvalwa

• Ukupenda upende kumakhaya akhiwe emva kowe-1978.
• Iglasi ekhethiweyo kwiifestile.
• Iimpazamo ezincinane zokupula iimfomfethi ezifana nebhodi lokubhoboza.
• Izikhokelo ezingekho phantsi.
• Ukugqithiswa kwindonga ebonakele kumakhaya akhiwe emva kowe-1978.
• Ukugqitywa kwempahla yokupakisha okanye ukugqithisa kumgangatho ophantsi.

• Ukubetha okanye iingcango zangaphandle ezonakalisiwe ezivulekileyo kwaye zivale.
• Izingozi zokuhamba njengeendlela ezihamba ngeendlela.
• Ukususwa kweemfucuza phantsi kwendlu.
• Ukusebenza komsebenzi.
• Ubu bungqina bokudlulela kwezilwanyana ezidlulileyo okanye ezingasebenzi.
• Ukutshintshwa kwamaphahla aphantsi.
• Ukuvavanywa kwamatye , ngaphandle kokuba kufunwa ngamagunya asekuhlaleni okanye amanzi akhankanywa ukuba angcola.

Ndandifumene imboleko yemali eyimfuneko yokupenda i-eaves kunye nokuba isuse uboya obomileyo kwi-patio pergola okanye ukususa i-pergola. Isiphakamiso sam kumthengisi kwakuza kususa i-pergola, kunokuba ithathe indawo yokubola. Wenza isigqibo endaweni yokupenda i-pergola kunye ne-appraiser. Ngoko awukwazi.