Yimalini ekufuneka ndiyifumene ukuthenga indlu eMelika? Xa uthenga ikhaya, ukugcina intlawulo ephantsi kuya kuhlala kungonelanga ukukhusela ubambiso.
Ndifuna imali engakanani ukuthenga indlu
Ababolekisi bakwalindele ukuba ababoleki babenayo inqaku elifanelekileyo lekhredithi : i 90% ye abathengi yezindlu zazine amanqaku angama-650 ubuncinci kwikota yokuqala ye-2020, kunye nengeniso ephezulu ngokwaneleyo ukuba uqiniseke ukuba uya kuba nakho ukwenza intlawulo yakho yobambiso nganye. inyanga.
Umvuzo welizwe ofanelekayo ukuba athenge indlu $ 55,575 nge 10% phambili kwaye $ 49,400 kunye nenkqubela phambili ye- Amashumi amabini% , ngokweenkcukacha ezivela isalathiso ukusuka amaxabiso kunye nokufikeleleka kommandla ophakathi weedolophu ukusuka kuMbutho kaZwelonke weeRealtors kwikota yesine yowama-2020.
Idatha ithatha inqanaba lobambiso lwe-3.67% yeminyaka engama-30 yemali mboleko ebekiweyo, kunye nenqununu yenyanga kunye nentlawulo yenzala elinganiselwe kwi-25% yengeniso yomhlali.
Nangona kunjalo, kuxhomekeke kwindawo ohlala kuyo, umvuzo owufumanayo ukuze ufaneleke kwimali mboleko uhluka kakhulu. Nantsi ingeniso oyifunayo ukuhlawula ikhaya kwiindawo eziphezulu ze-15 zase-US, ezibekwe kwixabiso eliphakathi ukuya kwelona liphezulu.
Umndilili wase-US
Itafile yeNgeniso yokuthenga indlu . Ndifuna malini ukuthenga indlu eMelika.
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 55,575
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 49,400
- Ixabiso leMedian Home: $ 233,800
ITulsa, e-Oklahoma
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 35,237
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 31,322
- Ixabiso leMedian Home: $ 174,300
IDetroit, eMichigan
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 39,361
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 34,988
- Ixabiso leMedian Home: $ 194,700
ENew Orleans, eLouisana
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 45,184
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 40,163
- Ixabiso leMedian Home: $ 223,500
IAtlanta, eGeorgia
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 46,902
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 41,691
- Ixabiso leMedian Home: $ 232,000
IPhiladelphia, ePennsylvania
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 48,883
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 43,452
- Ixabiso leMedian Home: $ 241,800
EChicago, eIllinois
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 51,491
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 45,770
- Ixabiso lasekhaya laseMedian: $ 254,700
Dallas, eTexas
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 54,301
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 48,268
- Ixabiso leMedian Home: $ 268,600
ENashville, eTennessee
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 56,566
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 50,281
- Ixabiso leMedian Home: $ 279,800
IPhoenix, eArizona
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 83,069
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 73,839
- Ixabiso lasekhaya laseMedian: $ 295,400
EPortland, eOregon
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 59,719
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 53,084
- Ixabiso leMedian Home: $ 410,900
ENew York, eNew York
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 86,526
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 76,912
- Ixabiso leMedian Home: $ 428,000
IDenver, eColorado
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 92,591
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 82,303
- Ixabiso leMedian Home: $ 458,000
IBoston, eMassachusetts
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 97,605
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 86,760
- Ixabiso leMedian Home: $ 482,800
ISan francisco California
- Umvuzo ofunekayo nge-10% yokuhlawula ezantsi: $ 200,143
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 177,905
- Ixabiso leMedian Home: $ 990,000
ISan Jose, eCalifornia
- Umvuzo uyafuneka nge-10% yokuhlawula ezantsi: $ 251,897
- Umvuzo uyafuneka nge-20% yokuhlawula ezantsi: $ 223,900
- Ixabiso leMedian Home: $ 1,246,000
Ngaba ndingabhatala malini?
Ukubala ubungakanani bendlu onokufikelela kuyo, sithathela ingqalelo izinto eziphambili, ezinje ngomvuzo wekhaya, amatyala ngenyanga (umzekelo, iimali mboleko zemoto kunye neentlawulo zemboleko yomfundi) kunye nemali yolondolozo ekhoyo yentlawulo engezantsi. Njengomthengi wekhaya, uya kufuna ukufumana inqanaba elithile lokuthuthuzela ekuqondeni iintlawulo zakho zenyanga zekhaya. ubambiso .
Ngelixa umvuzo wekhaya lakho kunye namatyala rhoqo ngenyanga anokuzinza ngokuthe gabalala, iindleko ezingalindelekanga kunye nezo zingacwangciswanga zinokuchaphazela ukonga kwakho.
Umgaqo olungileyo wesithupha wokufikeleleka kukuba neenyanga ezintathu zentlawulo, kubandakanya intlawulo yendlu yakho kunye namanye amatyala akhoyo ngenyanga. Oku kuyakuvumela ukuba ubhatale intlawulo yakho yobambiso kwimeko yesiganeko esingalindelekanga.
Ngaba umlinganiso wakho kwityala lokufumana umvuzo uchaphazela njani ukufikeleleka?
Imetrikhi ebalulekileyo oyisebenzisayo ibhanki yakho ukubala isixa semali onokuboleka Umyinge we-DTI , othelekisa amatyala akho apheleleyo ngenyanga (umzekelo, intlawulo yakho yemali mboleko, kubandakanya neinshurensi kunye neentlawulo zerhafu yepropathi) kwingeniso yakho yenyanga ngaphambi kwerhafu.
Ngokuxhomekeka kumanqaku akho etyala, unokufumana inqanaba eliphezulu, kodwa ngokubanzi, iindleko zakho zezindlu akufuneki zidlule kwi-28% yengeniso yakho yenyanga.
Umzekelo, ukuba ukuhlawula kwakho imali mboleko yenyanga, kunye neerhafu kunye neinshurensi, iyi- $ 1,260 ngenyanga kwaye unomvuzo wenyanga oyi- $ 4,500 ngaphambi kwerhafu, i-DTI yakho ngama-28%. (1260/4500 = 0.28)
Unokubuyisa umva inkqubo ukufumana ukuba ibhajethi yakho yezindlu kufuneka ibe njani ngokuphindaphinda umvuzo wakho nge-0.28. Kumzekelo ongentla, oko kungavumela ukuhlawulwa kwemali mboleko ye- $ 1,260 ukufezekisa i-28% ye-DTI. (4500 X 0.28 = 1,260)
Ndingahlawula malini eKhaya ngeMali mboleko ye-FHA?
Ukubala inani lendlu onokufikelela kuyo, sicinge ukuba ubuncinci i-20% yokuhlawula, unokufumana mboleko eqhelekileyo . Nangona kunjalo, ukuba ucinga ngentlawulo esezantsi, ukuya ezantsi kwi-3.5%, unokucela Imali mboleko ye-FHA .
Imali mboleko exhaswa yi FHA Banemigangatho yokufumana amanqaku ekhululekile, into ekufuneka igcinwe engqondweni ukuba unamanqaku asezantsi etyala.
Iimali-mboleko eziqhelekileyo zinokuza neentlawulo ezantsi ezantsi njenge-3%, nangona kufanelekile kunzima ngakumbi kunemali mboleko ye-FHA.
Ngaba ndingafumana malini ekhaya ngemboleko ye-VA?
Ngoxhumo lomkhosi, unako ufanelekele i-VA mboleko . Yinto enkulu leyo, kuba imali mboleko exhaswa liSebe leMicimbi yeVeterans ngokubanzi ayifuni ntlawulo iphantsi. I-NerdWallet Calculator yokuFikeleleka kweKhaya ithatha ithuba elikhulu lokuthathela ingqalelo xa ubala ukufikelela kwakho ngokwesiko.
Umthetho wama-28% / 36%: Yintoni eyiyo kwaye kutheni kubalulekile
Ukubala ukuba ingakanani indlu endinokuyifumana, umgaqo olungileyo wesithupha kukusebenzisa umthetho we-28% / 36%, othi akufuneki uchithe ngaphezulu kwe-28% yomvuzo wakho wenyanga kwiindleko ezinxulumene nekhaya kunye ne-36% kwi amatyala apheleleyo.
Umzekelo: Ukuba wenza i-5 500 yeedola ngenyanga kwaye une- $ 500 kwintlawulo esele ikho, intlawulo yakho yanyanga nganye yekhaya lakho akufuneki idlule kwi-1,480 yeedola.
Umgaqo wama-28% / 36% sisiqalo esamkelweyo ngokubanzi sokumisela ukufikeleleka kwekhaya, kodwa usafuna ukuthatha imeko yakho yezemali uyiqwalasele xa ujonga inani lendlu onokulufikelela.
Zeziphi izinto ezinceda ukufumanisa ukuba ingakanani indlu endinokuyifumana?
Izinto eziphambili ekubaleni ukufikeleleka zi-1) umvuzo wakho wenyanga; 2) oovimba bemali abagubungela ukuhlawula kunye neendleko zokuvala; 3) iindleko zakho zenyanga; 4) iprofayili yakho yekhredithi.
- Ingeniso: imali oyifumana rhoqo, njengomvuzo wakho okanye umvuzo wotyalo-mali. Umvuzo wakho unceda ukuseka isiseko sento onokufikelela kuyo inyanga nenyanga.
- Uvimba wemali: Esi sisixa semali osifumanayo sokwenza intlawulo yokubhatala kunye nokuhlawula iindleko zokuvala. Ungasebenzisa ulondolozo lwakho, utyalomali, okanye eminye imithombo.
- Ityala kunye nenkcitho: uxanduva lwanyanga zonke onokuba nalo njengamakhadi etyala, iintlawulo zemoto, iimali mboleko zabafundi, ukutya, izinto eziluncedo, i-inshurensi, njl.
- Iprofayile yekhredithi: Amanqaku akho etyala kunye nenani letyala onalo elinefuthe kwimbono yomboleki kuwe njengombolekayo. Ezo zinto ziya kukunceda ekuchongeni ukuba ingakanani imali onokuyiboleka kunye nenqanaba lenzala mboleko oza kulifumana.
Ukufikeleleka kwekhaya kuqala ngenqanaba lakho lobambiso
Uya kuqaphela ukuba nakuphi na ukubalwa kokufikeleleka kwekhaya kubandakanya uqikelelo lwenzala yemali-mboleko oza kuyibiza. Ababolekisi baya kugqiba ukuba uyakufanelekela ukubolekwa imali ngokusekelwe kwizinto ezine eziphambili:
- Umyinge kumvuzo-kumvuzo wakho, njengoko besesitshilo ngaphambili.
- Imbali yakho yokuhlawula amatyala ngexesha.
- Ubungqina bengeniso rhoqo.
- Isixa sentlawulo osigcinileyo, kunye nomqamelo wezemali wokuvala iindleko kunye nezinye iindleko oza kuthi uzenze xa ufudukela kwikhaya elitsha.
Ukuba ababolekisi bafumanisa ukuba ukulungele ukubolekiswa ngemali, baya kuthi balixabise ityala lakho. Oko kuthetha ukumisela inqanaba lenzala eliya kuhlawuliswa. Amanqaku akho etyala ubukhulu becala amisela umyinge wobambiso oza kulifumana.
Ngokwemvelo, isantya somyinge wakho esisezantsi, isantya sentlawulo yakho yaphantsi.
Iziqulatho
- Ndifuna imali engakanani ukuthenga indlu
- Umndilili wase-US
- ITulsa, e-Oklahoma
- IDetroit, eMichigan
- ENew Orleans, eLouisana
- IAtlanta, eGeorgia
- IPhiladelphia, ePennsylvania
- EChicago, eIllinois
- Dallas, eTexas
- ENashville, eTennessee
- IPhoenix, eArizona
- EPortland, eOregon
- ENew York, eNew York
- IDenver, eColorado
- IBoston, eMassachusetts
- ISan francisco California
- ISan Jose, eCalifornia
- Ngaba ndingabhatala malini?
- Ngaba umlinganiso wakho kwityala lokufumana umvuzo uchaphazela njani ukufikeleleka?
- Ndingahlawula malini eKhaya ngeMali mboleko ye-FHA?
- Ngaba ndingafumana malini ekhaya ngemboleko ye-VA?
- Umthetho wama-28% / 36%: Yintoni eyiyo kwaye kutheni kubalulekile
- Zeziphi izinto ezinceda ukufumanisa ukuba ingakanani indlu endinokuyifumana?
- Ukufikeleleka kwekhaya kuqala ngenqanaba lakho lobambiso