Indlela yokuthenga ikhaya le-HUD

Yintoni iHUD Home?

Iyintoni indlu yaseHUD kwaye kufuneka uthenge ikhaya le-HUD? Imibuzo emihle, kwaye sinempendulo. ISebe lezeZindlu neSebe loPhuhliso loMmandla (i-HUD) yase-United States i-HUD) iyafumaneka kwiintengiso zaseUnited States. Inkqubo yokuthengisa yokuthenga ikhaya le-HUD yinkimbinkimbi kunokuba kuthengwe ikhaya ukusuka kumntu, ngoko thabatha amanqaku ambalwa ngaphambi kokuba ufike kwiwebhusayithi ye-HUD okanye ucele i-agent yakho ukuba ikubonise izindlu ze-HUD.

Yintoni iHUD ekhaya?

I-Federal Housing Administration (FHA) yinxalenye ye-HUD - inxalenye enika i-inshurensi ye-mortgage yomshuwalense. Ukuba indlu ethengisiwe yathengwa ngemboleko ebolekwa yi-FHA , umboleki-mali unokufaka ifowuni kwibhalansi ngenxa yokubolekwa kwemali emva kokugqithiswa. I-FHA ihlawula ibango lemali-mboleko, ize idlulisele ubunini bepropati kwi-HUD, leyo ithengisa ikhaya.

Ingakanani Indleko zezindlu zeHUD?

Iizindlu ze-HUD zifunyaniswa, kwaye zithengwa kwixabiso elifanele ukuba lixabiso lexabiso lemarike kwindawo yabo. Ixabiso lekhaya elidinga ukulungiswa lilungiswa phantsi ukuze kubonakalise utyalo-mali umnikazi omtsha kufuneka enze ukuze kuphuculwe ikhaya. Buza i-arhente yakho ukubonelela ngeentengiso ezinokufaniswa kwizindlu ze-HUD kuba akukho siqinisekiso sokuba uza kuphuka kwixabiso.

Ngaba i-HUD iya kwenza ukulungiswa?

Imizi ye-HUD ithengiswa njenge- . Umnini omtsha unoxanduva lokulungisa nokuphucula. Intlawulo-mali engcono kakhulu ongayenza kukuba uhlawule ukuhlolwa kwekhaya ngaphambi kokuba uthenge ikhaya le-HUD.

Ndingayifumana njani ikhaya le-HUD?

Unokujonga uluhlu lwe-HUD ngokulandela izixhumanisi zelizwe kwiwebhusayithi ye-HUD. Indawo nganye ye-intanethi yendawo ye-Intanethi isetyenziswe ngokungafaniyo, ngoko kuthatha ixesha ukukhangela iinjongo zokukhangela kunye nokubeka iphepha.

Xa ufumene ikhaya ongathanda ukulibona, nayiphi na umthengisi we-real estate evunyiweyo ye-HUD angakubonisa ipropati.

Abadayisi abavunyiweyo be-HUD bangabhalwa kwiwebhusayithi ye-arhente. Ukuba ikhaya othanda ukulibona lisekuhlaleni lakho, unokuqhagamshelana nomthengisi wendawo oyikhethileyo kwaye ucele ukuba iofisi ivunyelwe ukubonisa imizi ye-HUD.

Ngaba Ndiyifake Ngomnikelo Wokuthenga Ikhaya?

I-HUD iguqulwa ngokuthengiswa ngokusebenzisa inkqubo yokubhengeza, kwaye kufuneka uqeshe i-agent ye-estate estate enelayisenisi ukukuncedisa ngenkqubo. Kukho ixesha lokunikezelwa, apho iibhidi ezitywinwe zivunyelwa ngayo nge-arhente yakho. Ekupheleni kwelo xesha, zonke izibonelelo ziyavulwa. I-HUD ivame ukufumana ibhanti ephakamileyo, okanye ibhidi ebenza ukuba bancede inetha eliphezulu.

Ukuba ikhaya lihlala lingasetyenziswanga emva kwexesha lokuqala, amabhidi avuliwe njengoko athatywayo.

Ukuba ithenda yakho yamkelwe, i-arhente yakho iya kwaziswa. Uya kunikwa umhla wokuhlawula, ngokuqhelekileyo iintsuku ezingama-30 ukuya kwii-60 ukusuka ngomhla wokuvunyelwana kwakho.

I-HUD ihlawula abathengi bezindlu abanomthengisi-standard standard for the facilitation of the sale of homes. Ukuhlawulwa, i-arhente yokuthengisa kufuneka ikhumbule ukufaka igama kwi-khontrakthi ukuqinisekisa ukuba i-HUD iya kuhlawula ikhomishini.

Ngaba i-HUD yezeMali iya kuhlala kwikhaya?

I-HUD ayixhaseli amakhaya. Uya kufuneka ufake isicelo sokuthenga imali. Ukuxhaswa kwakho mali kufuneka kuvunywe ngaphambi kokuba wenze isipho.

Ukuba ithenda yakho yamkelekile, kwaye ungavali indlu, ungalahlekelwa yimali engqongqo oyifakayo kunye nesibonelelo. Buza i-arhente yakho malunga nale nto ngaphambi kokuba usayinwe.

Ngaba Ndifanele Ndibe Nokuhlolwa Kwekhaya Lobugcisa?

Ukuhlolwa kwamakhaya kuyacetyiswa kuyo nayiphi na into yokuthenga ekhaya. Kufuneka uhlole ukuchithwa kwe-HUD, ngenjongo yolwazi kuphela, ngaphambi kokuba wenze isipho. Kuya kukunceda ukuba ufumane ixabiso lentengiso, ngakumbi xa kulungiswa ukulungiswa. Izindlu ezakhiwe ngaphambi kowe-1978 zinokubakho ipeyinti ekhokelayo, ngoko funda kabanzi malunga neengcambu zepende zopende ngaphambi kokuba wenze isipho. Ezinye izinto ekufuneka ziqwalaselwe yizinto ze-asbestos, amathangi okugcina indawo kunye nezinye izingozi zendalo.

Ngaba Ndingayithenga i-HUD Foreclosure Investment Objectives?

Ngethuba lomnikelo wokuqala, izindlu ze-HUD zifumaneka kuphela kubantu abanqwenela ukuzithenga njengeendawo zabo zokuhlala eziphambili.

Ukuba umnini-mpahla akayikubizela ekhaya, abatyali-mali bavunyelwe ukungena kwinkqubo yokubhalwa.

Ngaba i-HUD inikeza ezinye iiprogram?

Ukuba i-foreclosures ayithengiswanga ngaphakathi kweenyanga ezintandathu, i-HUD ingayithengisa i-$ 1 nganye kwiinkampani ezingenzi nzuzo kunye ne-arhente karhulumente. Izindlu mazibe zisetyenziselwa ukwakha izindlu zeentsapho ezidinga okanye ukuxhamla ummandla. I-HUD ikwabonelela ngeenkqubo ezizodwa zokuthenga ikhaya , ootitshala kunye nabaphathi bexesha elipheleleyo.

Ehleliwe nguElizabethe Weintraub, ukuThengwa kweKhaya kwiNkcazo.

Ngethuba lokubhala, u-Elizabeth Weintraub, Cal BRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.