I-FHA Imali-mboleko ithwala iiNzuzo ezininzi zokuthenga ikhaya okanye ukuhlaziywa kwakhona
Iimali-mboleko ze-FHA zaqala ukulahlekelwa yimbeko ekupheleni kwee-1990, xa ixabiso lekhaya laqala ukufikelela kwi-intshi ukuya phezulu, imida engaphezulu kwe-FHA, kwaye abadayisi baxhamla kwiikhowudi ze-FHA zokuhlalutya ngokukhawuleza kunye neendleko eziphezulu ze-inshurensi yokuthenga. Kuye kwatshintsha oko. Musa ukudukiswa kwiindlela zakudala zokucinga. Izikhokelo ze-FHA zize zize zikhululeke ngakumbi.
I-FHA Imali Isebenza njani
Okokuqala, masicacise iingcamango ezimbalwa eziphosakeleyo. Kubaqalayo, i-FHA ayenzi imali-mboleko okanye iziboleko zemali . Iqinisekisa ukuboleka imali. I-inshorensi isusa okanye iyanciphise ababolekisi abangabikho phantsi kokuba abathengi babeke phantsi kwama-20 ekhulwini. Ngaphandle kokuvunywa kwakhona kwe-FHA, ababolekisi abavunyiweyo bavunyelwe ukuba:
- Thatha izicelo ze mboleko
- Inkqubo yezicelo zemboleko
- Bhala phantsi kwaye uvale umboleko
FHA Mortgage Limits
Abazali bam bathenga ikhaya lethu lokuqala ngo-1955 ngeedola ezingama-9 000 nge-FHA mboleko. Kuphantse ukuba ungacingi ukuba ucinge ngeendleko zekhaya namhlanje. Ngenxa yoko, i-FHA iguqula ngokukhawuleza imingcele yayo yokuboleka.
Ukususela ngoJanuwari 1, 2009, umyinge ophezulu wokubolekwa kwemali kwiindawo eziphantsi kweendleko yi-115% wamaxabiso aphakathi kwendawo, ukuba ungadluli i-$ 625,500. Umda ophezulu obolekileyo wemali mboleko ngu-$ 417,000 kwiindawo zokuhlala zentsapho ezingabodwa. Ummandla wakho unokuxhasa umyinge ophantsi. Nantsi indlela yokufumana umda we-FHA wokuboleka imali.
I-FHA Imali Ivumela Imbali Yesikweletu Esilungile
Ukuba i-credit yakho ingaphantsi kokugqibeleleyo, i-FHA ingaba ngumboleko kuwe. Unokufumana umboleko we-FHA nangona unengxaki zemali.
- Iziphumo ze-FICO zingaba ziphantsi kunezo ziboleko eziqhelekileyo.
- Ukuchithwa. Unokufumana umboleko we-FHA ngeminyaka emibili ukususela ngomhla wokukhutshwa kwebhanki yakho, ngokude nje ugcine i- credit entle kuba iikokhwe zakho zikhutshwe.
- Ukuchithwa. Ukuba ugcina i-credit yakho kwisimo esihle kakhulu ukususela kwi-foreclosure, umboleko we-FHA uya kufumaneka kuwe kwiminyaka emithathu ukususela ekupheleni kokugqibela kwakho.
I-FHA Imali-mboleko yeBhodi yokuThuthukiswa kwamaRhafu kunye neMigomo
Imiqathango yanamhlanje ihle kakhulu. Enyanisweni, kwiimarike ezininzi, iirhafu kunye nemigangatho ibhetele kunezo i-80% / 20% ezibolekayo ze-piggyback.
- Kukho ukulungiswa okuncinci okanye kungabikho kulungiswa kumyinge womyinge we-FHA mboleko, njengoko amaxabiso ayahluka phakathi .125 ekhulwini lomboleko oqhelekileyo.
- Intshuwalense ye-Mortgage ixhaswa ngemali mboleko, oku kuthetha ukuba ipesenti yeprayimenti yongezwa kwibhalansi yemboleko endaweni yokuhlawulwa ngaphandle kwe-pocket. Ukongeza, isahlulo esincinci se-inshurensi ye-mortgage yongezwa kwintlawulo yenyanga, kodwa iphantsi kwee-premium zangasese.
- Ukususela ngoJanuwari 1, 2009, ababolekayo banokuhlawula i-96.5% yexabiso lokuthenga kwaye bahlawule iipesenti ezi-3.5. Kwezinye iimeko, xa zidibene nezinye iintlobo zemali-mboleko, ukuhlawula inkokhelo kungabikho.
- Iimali ezivumelekileyo zamatyala ziphezulu kuneemilinganiselo zamatyala ezibekwe kwiimali-mboleko eziqhelekileyo.
I-FHA Imali-mboleko idinga ukulungiswa okumbalwa
Ngesinye isikhathi, iimfuno zokulungisa i-FHA zagqithisa kangangokuthi abathengisi babeza kuphuhlisa uluhlu lwamaxabiso abathengi abaya kuvuma ukufumana iimali-mboleko eziqhelekileyo kwiimali-mboleko ze- FHA. Namhlanje izikhokelo zokulungisa i-FHA zibonakala zingqiqweni.
- Uphahla olungapheliyo oludakalayo luyafuna ukutshatyalaliswa kodwa uphahla oludlulileyo alufuneki ukuba lusetyenziswe ukuba aluyi kuvuza.
- I-Windows enamathele ekuvuleni okanye ekhehliweyo i-panes ayifuni ukutshintshwa.
- I-FHA i-appraisals ayithathi indawo yokuhlola ikhaya kwaye ayinakho. Abathengi bafanele bafumane ukuhlolwa kwekhaya olululo.
Iimali-mboleko ze-FHA ziyafumaneka kunoma yimuphi umthengi wekhaya onenjongo yokuhlala kwipropati kodwa asetyenziswa ngokuqhelekileyo ngama -homebuyers okuqala kunye nabathengi abanomvuzo ophantsi. Nangona kunjalo, ayikho imfundo yemida yokunciphisa. Nangona umgidi-mali angathatha umboleko we-FHA, ngokuxhomekeke kwimali-mboleko yemali esekelwe kwindawo.
Ulawulo loThumela lukhutshwe i-FHA Inkcitho yokuThengisa ibeka indawo ngo-Obama
Ngaphambi nje kokuba uMongameli uBarbara aphume kwiofisi, ulawulo lwakhe lwalubekwe indawo ye-FHA eyinqumlekileyo eyayiza kusebenza ngoJanuwari 27, 2017. Lo myalelo omtsha wokulawula unciphise iindleko ze-MIP (i-inshurensi ye-inshurensi yemali). 60 (ihlukahluka nge-matrix). Ukunciphisa amanqaku-siseko okwenziwa ngu-Obama ukuzama ukunciphisa amaxabiso okunyuka kwamanani kunye nokwandisa inani lababoleki abaya kufanelekela umboleko we-FHA. Kwakuxelwe ukugcina abathengi basekhaya malunga ne-$ 500 ngonyaka.
Kwiintsuku ezimbalwa zokuthatha i-ofisi, uMongameli uTrump wasusa le ntlawulo ye-FHA yokunciphisa umlinganiselo. Ngethuba abanye bebambisana nokumiswa kwesantya sika-Obama esinqunywe nguMongameli uTrump kuthatha inzuzo eyayingakafumani nantoni na, le ntshukumo engalindelekanga ilibazise ukuvalwa kwezindlu zangaphambili ekupheleni kukaJanuwari 2017. Ngenxa yokuba iindleko Imali-mboleko ye-FHA yatshintshile, imimiselo ye- TRID ifuna iinkampani zokuboleka imali ukuba ziphinde zidalise kwaye zinike abathengi enye ibhizinisi elinesithathu ngaphambi kokuba abathengi babhale iimpepha zemboleko.
Ngomnye umzekelo, umthengi eSigramento wayezithengise ukuthengiswa okufutshane, kunye nencwadi yokuvuma yokuthengisa emfutshane ephelelwe lixesha ngoJanuwari 30, 2017. Izenzo zentonga zavimbela umthengi ukuba avalwe ukuthengisa okufutshane ngeJanuwari 30. Kwakudingeka sicele umnini-mfutshane omfutshane ukuba asinike enye intsuku ezimbini ukuvala isango, kwaye nangona umboleki-mali wayengenasinyanzelo sokunika ukongezwa, ibhanki yakuqonda ubunzima bethu kwaye yasinika ezimbini iintsuku.
Kwintetho ekhishwe nguMbutho weSizwe we-Realtors, uMongameli uWilliam E. Brown uqikelele ukuba abantu abangama-750 000 ukuya ku-850,000 abanamakhaya baya kuhlawula ngaphezulu ukuze bafumane umboleko we-FHA phantsi kolawulo lukaMongameli uTrump.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.