I-FHA Energy Efficient Mortgages ingaphumelela kwixabiso lokuthengisa
Amanqaku-mboleko asebenzayo ngamandla aye ajikeleze ixesha elide, elide ngokwaneleyo kangangokuba abaninzi abantu bayalilibala malunga nale ndlela engasetyenziswa phantsi kwezimali. Ukuba ubambe ukuthenga ukuchithwa kwempahla kuba ikhaya linomlilo omdala omele utshintshwe, okanye ungatshintshi iifestile kwaye ufuna i-paneal ye-double, imali yokuthenga imali ingaphendula. Ukuthengwa kwempahla enokusetyenziswa kwemandla kunokufakwa kwi-mortgage yakho ekhona kwaye ungasebenzisa loo mali ukuhlawula ukuphucula amandla okwenziwa kwamandla.
Kulula ukufumana imali efanelekileyo yokuthenga imali. Abbolekayo bangahlawula i-100% yokuphucula. Akukho mfuneko yokuba ufaneleke ngokwahlukileyo ukuze ufumane inkxaso-mali eyongezelelweyo ngenxa yokuba ukugcina amandla okombane kuya kubakho ukukhupha imali ephezulu yokuhlawula imali. Oku kuthetha ukuba ewe, umboleki-mali ubala ukuba uza kusindisa njani kwiibhidi zakho zesevisi ngokuphuculwa nokuphucula, kwaye umgcini-phantsi uzakusebenzisa inani le dollar ukuze unciphise amaxabiso akho. Oku kubalulekile ukuba ingeniso yakho kwingxowa-mboleko yee-mortgage sele isele kwixabiso elivunyelwe ukuhlawulwa kwe- PITI .
Iintlobo Zamandla Amphucula Ukuphuculwa Okwenziweyo Ukufaneleka Kwempahla Yokwenza Impahla Efanelekileyo
I-mortgage esebenzayo yemali kufuneka ibangele ukugcina imali kwiindleko zenyanga zesevisi, kunye nokuphuculwa kwamandla okuncinci kwamanzi kunokunyusa inani lekhaya lakho, ngaphezu kokuncedisa ukugcina amandla encedo. Nazi ezinye iintlobo zentuthuko ezingenakukwazi ukufumana imali yokuthenga imali:
- Iinkqubo zokutshisa nokupholisa
- Ukufakelwa kwi-attic, izindonga kunye neepansi
- Iifestile ezisebenzayo zamandla ezifana neepaneli ezimbini
- Indlela yokufaka inkqubo kunye nokulungiswa
- Ukushisa kwamanzi
- Izixhobo ezisemgangathweni zamandla ezinjengewashi, ama-dryers kunye namafriji
- Ukuxhatshazwa
- Uphahla olutsha "olupholileyo"
Iintlobo zamandla Amanqaku e-Mortgages ayenzileyo
Iintlobo zontathu ezisisiseko zemali-mboleko zifanelekele ukuthenga imali efanelekileyo.
Nangona imali ephezulu ihluka, kuxhomekeke kuhlobo lomboleko, ukuzimisela kusekelwe ekuphuculeni ukunciphisa ukusetyenziswa kwamandla, oko kukunciphisa iindleko zokuphucula. Nazi iindidi zemali-mboleko ezinikezela ngemali ebonakalayo ephezulu:
- Iimali-mboleko eziqhelekileyo ezithengwa nguFannie Mae noFreddie Mac
- Iimali-mboleko ze-FHA
- VA mboleko
I-FHA inikezela ngempahla ebonakalayo ebonakalayo
Abaninzi abathengi basekhaya bathabatha i-FHA mboleko ngenxa yokuba ubuncinane bemfuno yokuhlawula i-3.5% kuphela yentengo yokuthenga. Ukuba iindleko zophuculo zingaphantsi kwexabiso langoku lamandla elondoloziweyo, i-FHA iya kukuvumela ukuba ungeze izindleko zokuphucula umboleko wakho. Isixa esiphezulu semali mboleko kufuneka sibe ngumncinane:
- 5% yexabiso lepropati, okanye
- I-115% yerhafu yommandla womntu omnye ekhaya, okanye
- I-150% yemilinganiselo kaFreddie Mac
Kungakhathaliseki ukuba izikhokelo ze-FHA, ezininzi iibhanki zithwala umlinganiselo, okhupha kwii-8,000 zamaRandi, kunye ne-$ 2,000 eyongezelelweyo yokuxhatshazwa.
INGXELO yeeNgxelo kunye ne-FHA Energy Efficient Mortgage
Abathengi abafanelekileyo ukufumana umboleko we-FHA ngokuzenzekelayo banelungelo lokuxhaswa ngemali yokuthenga imali. Nangona kunjalo, loo propati kufuneka ihlolwe ukuphuculwa. Ngokomzekelo, ukuba inkqubo yeHVAC ekhoyo iphela kwiminyaka emi-5 kuphela, indleko yenkqubo entsha ayikwazi ukukhupha imali yokugcina imali kwaye ngoko ayiyi kufaneleka.
Umncedisi wamandla uya kulungiselela i-HERS (ingxelo ye-home rating rating). Iindleko zale ngxelo ziyahluka phakathi kwe-$ 250 ne-800 zamawaka. Ngamanye amaxesha iindleko zengxelo ye-HERS zingasungulwa kwi mboleko. Ingxelo ye-HERS iya:
- Ncoma iintlobo zokuphucula
- Linganisa amandla okonga
- Linganisa ubomi bokuphucula
Icebo: Qaphela ukuba izikhokelo ze-HUD zinika umthengi iintsuku ezingama 90 ukugqiba umsebenzi. Nangona kunjalo, iibhanki ezininzi zifuna ukuba umsebenzi ugqitywe kwisithuba seentsuku eziyi-14. Ukuba uceba ukwenza iifestile zangokwezifiso, umzekelo, unokufuna ukuqinisekisa ukuba ezo festile ziya kufika kwaye zifakwe kwiwindow yeentsuku ezili-14.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.