Iiprogram zokuNcedisa ngeZipho zeNkxaso-mali

Ezinye iimveliso zepropati zivumela abathengi ukuba basebenzise isipho semali sokuhlawula imali

Iiprogram zokuncedisa isipho sokuhlawula i-Downpayment zinceda abathumeli bezindlu bahlawula i-paypayment kunye neendleko zokuvala. Abanokubuya ekhaya abangenza ukuhlawula indlu ngaphandle kobunzima ngamanye amaxesha abakwazi ukuthenga indlu kuba abanayo imali efunekayo yokuhlawulwa kweendleko kunye neendleko zokuvala. Abathengi abathengi abangenayo imali yokuvalwa kwindlu bangacinga ukusebenzisa inkqubo yokuncedisa isipho sokuhlawula, ngezinye iinkqubo kuthiwa yi-grant grant grant program.

Ukuxhaswa kweNkxaso yeNkxaso yeNkxaso-phantsi

Abathengisi basekhaya banga kunceda abathengi bahlawule iindleko zokuvala ngokunika inxalenye yemali yabo kwimbuyiselo ekuvaleni. Isixa soxhaswa ngumthengisi sivunyelwe kuxhomekeke kwimboleko yomthengi .

Abadayisi abanqatshelwe ukunika abantu ababuyiselwa ekhaya imali yokuhlawula , kodwa iinkqubo zenkxaso zoncedo zinika "umsebenzi ojikelezayo."

1. Abathengisi babhalisa indlu yabo kwinkqubo efanelekileyo kwaye banikele ngenani elilinganayo noncedo lwabo abathengi abaya kufumana ekuvaleni - kunye nomrhumo, ngokuqhelekileyo u-0.75 wepesenti yemali yokuthengisa ekhaya.
2. Xa ukuthengiswa kuvaliwe, iimali zokuhlawula i-downpayment zixhomekeke kwinkqubo yokuncedisa isipho kwi-arhente yokuvala. Umthengisi akanalo inxaxheba ekudlulisweni kwemali.

I-HUD kunye neNkxaso yeNkxaso

Ewe kunye no. Nakhu okushiwo yi-HUD malunga neenkqubo:

• "I-HUD ayivumelani neenkqubo" zesipho "ezilawulwa yimibutho yokuncedisa kwaye, ngoko ke, ayiyi kunika imvume esemthethweni kwenkqubo yakho. Ababolekisi bemali mboleko banembopheleleko yokuqinisekisa ukuba isipho kumcebisi wekhaya ukusuka kwintlangano encedo siyahlangabezana nemiyalelo echazwe kwi-HUD Handbook 4155.1 I-REV-4, i-CHG-1 Isiqendu 2-10 (C) (umzekelo, akukho ntlawulo ehlawulwayo, njl.) Le mibutho yokuncedisa ehambelana nemimiselo ekhoyo kunye nemigaqo-nkqubo ivumelekile ukuba inike izipho zemali kubanikezeli basekhaya abafanelekileyo kwaye abayifuni phambi kokuba uFha avunyelwe ukwenza njalo. "

Ngoko i-HUD ayikhiphi imvume yeemfuno zesipho-ibeka umthwalo kumboleki ukuba isebenze kunye nenkqubo esemthethweni. Iinkqubo eziphambili zonke zibonakala zihambelana neemfuno ze-HUD. Umboleki wakho unokuqinisekisa ukuba inkqubo oyikhethayo iyamkeleka.

Iiprogram zokuNcedisa iziKhokelo zeNkcazo ze-FAQ
Inkqubo ethile ingathi ihluke, kodwa bonke banikela iinkonzo ezifanayo ezisisiseko.

• Ababuyiselwe ekhaya kufuneka bafaneleke ngemboleko evumela imali.
• Ayikho imfuno engaphantsi okanye ubuninzi bemali engenayo kubathengi, kodwa kukho imingcele ephezulu ebekwe kwixabiso lokuthengisa lamakhaya.
• Uncedo oluqhelekileyo lubonakala luvela kwi-1 kuya kuma-7 ekhulwini.
• Imali ingasetyenziselwa ukuhlawula kunye neendleko zokuvala.
• Imali yesipho ingasetyenziselwa amakhaya amatsha okanye akhoyo.
• Iimali ezingasetyenziswanga mazibuyiselwe kwiprogram yesipho.
• Iinkqubo zokuncedisa azikwazi ukusetyenziswa ukuhlaziya indlu okanye ukwenza ukuphucula ikhaya.
• Abathengisi abakwazi ukusebenzisa isipho njengenkxaso yokunceda, kodwa inokudityaniswa njengexabiso lokuthengisa. Thetha kwingcali yerhafu.

Inzuzo yokuthengiswa

Abathengisi basekhaya badla amaninzi amakhaya abo ukuba badibanise indawo ethile yokuxoxisana. Yintoni ebalulekileyo kubathengisi ngumgca wabo ongaphantsi-imali enokuyithatha kwitafile yokuvala. Umthengi onemali yokuvala angafumana intsebenzo engcono kwindlu, ngelixa umthengi ofuna uncedo uya kuhlawula ngakumbi (okanye ngaphezulu) kwexabiso elibuzayo , kodwa ngokubuyisana unokuthetha ngokuncedisa uncedo kumthengisi.

Yilokho esikubhekisela kwinkqubo yokuncedisa abathengisi. Ngokuqhelekileyo umboleki uya kuvumela umthengisi uncedise u-3% wexabiso lokuthengisa. Kwiimali-mboleko ezincinane, ukuba uncedo lokuthengisa unokuba ngu-6%. Oku kuthetha ukuba uthengisa ikhaya elixabisa i-$ 300,000, umncedisi we-3% unokukuthenga ngetyala nge $ 9,000 ukuhlawula iindleko zokuvala.

Iindleko zokuvala zihlawulwa njengendleko ehlukeneyo yentengiso kwaye ayinxalenye yentengo yokuthenga.

Enye into omele uyigcine engqondweni yindleko yokuhlaziywa kwekhaya . Umboleki-mali akayi kuvumela iimali zezipho ezenza umboleko ogqithise ngaphezu kwexabiso elilinganisiweyo lekhaya. Ukuba usebenza ne-arhente yendawo yokuhlala , unokukunceda ukuba ugqibe ukuba ngaba ikhaya lithengiswa ngokuthe tye kwaye liya kuqonda apho kufanele khona.

Umboleki wakho unokukunceda ukhethe inkqubo yenkxaso-mali yokuhlawula imali kunye nokucacisa ukuba isibonelelo sakho sokuthenga kufuneka sichazwe njani ukuqinisekisa ukuthobela izikhokelo zayo.

Ehleliwe ngu-Elizabeth Weintraub, iThengi lokuThengwa kweNdlu. Ngethuba lokubhala, u-Elizabeth Weintraub ungumthengisi-Associate eLyon Real Estate eSigramento, CA, CalBRE # 00697006.