Imithetho yokufumana i-Condo Loan i-Strict
Abathengi be-Smart abazicingeli ngokuzenzekelayo ukuba bangafumana umboleko wendoda kumntu nawuphi na umdo abafuna ukuyithenga. Ngokomzekelo, uSherry, kungekhona igama lakhe lokwenene, wacinga ukuba uye wangena kwi-condo ephakamileyo ephakamileyo e- East Sacramento . Ixabiso lilungile. Indawo yayiphelele. Umbono wawuhle kakhulu. USherry akazange alindele ukuba umnini-mboleko wakhe wenqabe ukuboleka imali ngenxa yokuba ababolekisi babesenzile imali mboleko kwezinye iipropati kwisakhiwo.
Kodwa umnini-mboleko wakhe wenqatshelwe imali mboleko kuba akukho nto yakuthengisa ngayo ukuthengisa okuthelekiswayo kwiinyanga ezintathu ezidlulileyo kwisakhiwo. Umgcini-sicelo akayi kusebenzisa nayiphi na enye into yokuthengisa efaniswayo ngaphandle kwendawo esakhiweyo, kwaye akukho nto yayikho. Akukho nanye kwiinyanga ezintathu ezedlulileyo, nokuba kunjalo.
Siyakwamkela kwihlabathi lemithetho yemboleko yemithwalo. Imithetho-mboleko yesigqithiso esingafaniyo kuphela phakathi kweemali-mboleko ze-FHA kunye nemali-mboleko eqhelekileyo , kodwa umtyalo-zimali ngamnye unokuba nemithetho yakhe, ebizwa ngokuba yi-overlays. Ngokungafani nemali-mboleko yasekhaya-yintsapho, iimali-mboleko zecala ziyahluka, kwaye akuyiyo yonke iprojekinium projekthi efanelekileyo.
Kwakhona, ngenxa yokuba i-FHA ithi unako ukufumana mboleko mboleko akuthethi ukuba umboleki oyithethileyo uya kuvuma ukuxhasa imali leyo mboleko. Ukongezelela, ukunyanzela izinto ngenye indlela, ngenxa yokuba ubunzima be-condo abukho kwi-list ye-FHA ye-condo evunyiweyo ayithethi ukuba umnini-mboleko akayi kwamkela "uvavanyo lwamabala" kwaye uyayivuma, ngenxa yokuba umnini-mboleko unako.
Isizathu esihle sokwenza ngokuhlakanipha ukhenketha umboleko wakho womhlalaphantsi.
Imithetho ye-FHA yeNgxowa-mali yeCondo
Abaninzi abbolekayo , ngokukodwa abathengi basekhaya bokuqala bathengisa ukuthenga i-condo kuba amaxabiso amaninzi angaphantsi kwaleyo yendlu eyodwa. Ngenxa yokuba amaxabiso ahlala ephantsi, ngoko ke iimfuno zokuhlawula phantsi.
Kodwa eminye imithetho ingaqhubela ithuba lomthengi lokufumana mboleko :
- Uludwe lweCHA oluvunyelweyo lweCondo
I-HUD idinga ukuba i-condo ibhalwe kuluhlu lwayo lwe-FHA oluvunyelweyo lwekhondomu. Ukuba i-condo ayikho kwiluhlu, ke umboleki uya kufuna ukufumana inkxaso-mali eqhelekileyo.
Inqununu yokuhlala: Ndandifumana umthengi ukuba angafanelekanga ngenxa yokuba wayesebenza eSan Jose kwaye wayethenga i-condo eSigramento. Ucebe ukutyalela kwaye uqhube eSan Jose kabini ngeveki. Nope, umboleki-mali uthe umgama ubukhulu kakhulu ukuba ungathathwa njengendawo yokuhlala ngonaphakade.
- Ipesenti yeeNgxowa-mali ze-FHA
Ubuncinane i-80% yazo zonke iimali-mboleko ze-FHA kwiinkathazo kufuneka zibe ngumnini-ndawo, indawo ehlala kuyo inqununu. Ukuba ezininzi ii-FHA-insured units ziphendulelwa kwiingqesho, i-FHA ayiyi kuvuma loo mboleko.
- Ipesenteji zeeNyunithi eziThengisiweyo
Ubuncinane be-51% yeeyunithi eziyinkimbinkimbi kufuneka zibe ngumnini. Kukhona imbono, mhlawumbi yinyaniso, ukuba abahlali bendawo bazinakekele kakuhle iiyunithi zabo kwaye zinikezelwe ngokupheleleyo kwiinkalo eziyinkimbinkimbi kunokuba ngumqeshi.
- Ukwakhiwa koKwakha
Le projekthi kufuneka igqitywe ubuncinane ngonyaka, kungekho zongezelelo okanye izigaba ezilindelekileyo. Oku kuthetha ukuthengiswa kokuqala kwintlanzi iyakuthengwa ngemali okanye ngeentlobo ezingezizo ze-FHA zezimali.
- Akukho Phononongo lweSpot
I-FHA iphelile ukuhlaziywa kwendawo, eyayisetyenziselwa ukuthetha nokuba i-condo ayengekho kwiluhlu lwe-condo oluvunyiweyo lwe-FHA, i-FHA isenokuthi ibenze ibolekise ukuhlaziywa kwemibuzo.
Imigaqo-mboleko yeCondo yeMali
Ingaba umbolekayo ufumana i-FHA okanye i-finance eqhelekileyo, imigaqo ethile yemali yokubolekwa kwemali yesondlo iyafana. Nazi ezimbalwa:
- ZeA HOA
Kwiindawo ezinzima apho ixabiso liye lawela phantsi kwebhodi, iindleko ngokuqhelekileyo zikhohlakeleyo kwiimeko ezisemfutshane zentengiso okanye ebhanki . Ipesenteji zincinci zisebenza, kwaye ubuncinane ubuncinane ama-85% eemfuno zabasebenzi bezindlu kufuneka zihlawulwe ngexesha.
- Umthetho o lindele
Akukho nkonzo-mboleko ufuna ukufumana umthetho olindelekileyo kwiinkalo eziyinkimbinkimbi. Izigwebo ezininzi zininzi kwaye zichitha ixesha ukuxazulula.
- Izivumelwano ezithintelo
Amabhanki afuna ukuba ityhulwa idluliselwe kwimali elula, ikhululekile kuyo nayiphi na imiqobo njengomdala, umzekelo.
- UmGaqo-mali weNgcaciso
Inkathazo kufuneka igcine i-inshorensi efanelekileyo njengengozi, uxanduva kunye ne- inshurensi yesikhukhula . Njalo xa iProgram yeNational Flood Insurance ifikelela engozini, i-condo complexes ihlupheke.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.