Iimali-mboleko ze-FHA kunye neenkqubo zaBathengi beXesha lokuQala
Funda iziseko kwaye uphucule amathuba akho emali mboleko ye-FHA . Njengomthengi wokuqala ekhaya , isenokubakho ezininzi ezingaziwayo . Nokuba yimali yempahla ebambekayo, uhlobo lwemali mboleko yekhaya, okanye neemfuno zokuhlawula ezantsi, ukukhukula kolwazi olutsha kunokuba lukhulu. Sifuna ukukunceda ufunde ngezinye zezinto ezinokungabonakali xa uzilungiselela thenga indlu yakho entsha .
Iimali-mboleko ze-FHA zabaThengi beKhaya lokuQala
Iimali-mboleko ze-FHA ziyaxhamla kwabo bafuna ukuthenga ikhaya kodwa abakwazanga ukugcina imali yokuthenga, njengabafundi abasandula ukugqiba iikholeji, abasandul 'ukutshata, okanye abantu abasazama ukugqibezela imfundo yabo. Ikwavumela abantu ukuba bafanelekele umboleko we-FHA onetyala lakhe elonakaliswe kukungabinamali okanye ukubhengezwa.
Le mali mboleko ihlala isebenza kakuhle kubathengi bamakhaya okokuqala kuba ivumela abantu ukuba bafumane imali ukuya kuthi ga kwiipesenti ezingama-96.5 zemali mboleko yabo yekhaya, enceda ukugcina intlawulo kunye nokuvala iindleko zincinci. I-203 (b) mboleko yemali mboleko Ikwayimali mboleko kuphela apho iipesenti ezili-100 zeendleko zokuvala zinokuba sisipho esivela kwilungu losapho, umbutho ongenzi nzuzo, okanye iarhente yaseburhulumenteni.
Funda malunga neendleko zokuvala ze-FHA
Uninzi lwabathengi bokuqala ekhaya bayothuka kukuba intlawulo engezantsi ayisiyiyo kuphela into abayigcinayo. Kukho iindleko zokuqala ezifunekayo ukuze uvale imali mboleko yakho, enokubaluleka, ihlala iphakathi kwe-2 kunye ne-5 yepesenti yemali mboleko iyonke.
Xa uthenga imali mboleko yendlu, khumbula ukuthelekisa amaxabiso endleko ezithile zokuvala, ezinje i-inshurensi yabanini bamakhaya, ukuhlolwa kwamakhaya kunye nokukhangelwa kwesihloko . Ngamanye amaxesha, unokunciphisa iindleko zokuvala ukucela umthengisi ukuba ahlawule inxalenye yabo (eyaziwa njengemvume yomthengisi) okanye uthetha-thethana nekhomishini yearhente yokuthengiswa kwezindlu . Ezinye zeendleko zokuvala eziqhelekileyo ezibandakanyiweyo kwi-FHA mortgage zibandakanya:
- Imali yoQeqesho loMbolekisi
- Imirhumo yokuqinisekisa idiphozithi
- Imirhumo yegqwetha
- Uvavanyo kunye nayo nayiphi na imali yokuhlola
- I-inshurensi yesihloko kunye neendleko zoviwo lwetayitile
- Ukulungiswa kwamaxwebhu (ngumntu wesithathu)
- Uphando lwepropathi
- Iingxelo zetyala
Imida yeMali mboleko ye-2021 FHA
I-FHA ibalile isixa semali-mboleko esona siphezulu esiya kusiqinisekisa kwiindawo ezahlukeneyo zelizwe. Ezi ziyaziwa ngokudibeneyo njengemida yemali mboleko ye-FHA. Le mida yemali mboleko ibalwa kwaye ihlaziywa rhoqo ngonyaka. Baphenjelelwa luhlobo lwekhaya, njengosapho olunye okanye iduplex, kunye nendawo. Abanye abathengi bakhetha ukuthenga amakhaya kwiibalo apho imida yemali mboleko iphezulu, okanye banokujonga amakhaya alingana nemida yendawo abafuna ukuhlala kuyo.
I-MIP yipremiyamu yakho ye-inshurensi yobambiso
I-inshurensi yobambiso lwe-FHA ihlala ibandakanywa kwintlawulo yenyanga iyonke kwi-0.55 yepesenti yemali mboleko iyonke, esi sisiqingatha sexabiso le-inshurensi yobambiso kwimali mboleko eqhelekileyo. I-FHA iya kuqokelela i-MIP yonyaka, eli lixesha apho uya kuhlawula khona iipremiyamu ze-inshurensi zobambiso kwi-FHA yakho.
Amaxabiso e-MIP kwimali mboleko ye-FHA kangangeminyaka eli-15
Ukuba ufumana imali mboleko yeminyaka engama-30 okanye nantoni na engaphezu kweminyaka eli-15, ipremiyamu yakho yonyaka ye-inshurensi yobambiso iya kuba zezi zilandelayo:
| Isixa semali mboleko esisiseko | I-LTV | I-PIM yonyaka |
|---|---|---|
| ≤ $ 625,500 | ≤ 95% | Iibhps ezingama-80 (0.80%) |
| ≤ $ 625,500 | > 95% | I-85 pb (0,85%) |
| > $ 625,500 | ≤ 95% | I-100 bps (1.00%) |
| > $ 625,500 | > 95% | I-105 pb (1,05%) |
UngayiLungela njani iMali mboleko yoMthengi waseKhaya
Iimali-mboleko ze-FHA zabathengi bexesha lokuqala. Zininzi iinkqubo zokubolekwa kwemali ekhaya ezilungiselela abathengi bexesha lokuqala. Kwaye uninzi lwazo lunezikhokelo eziguquguqukayo ukulungiselela abo baneekhredithi eziphantsi, umvuzo, okanye inkqubela phambili.
Nazi iimfuno ezisisiseko ukuze ufanelekele ezinye zeemali mboleko zomthengi zokuqala ezithandwayo:
| Ixesha lokuqala lemali mboleko yomthengi | Indlela yokufaneleka |
| Imali mboleko ye-FHA | Intlawulo ye-3.5%, ama-580 ubuncinci benqaku letyala le-FICO, i-50% ubuninzi be-DTI (ityala kwingeniso). Akukho mda wengeniso. 1, 2, 3 kunye ne-4 yeyunithi yeepropathi kufanelekile |
| Imali mboleko engama-97 iqhelekile | I-3% yokuhlawula, i-620-660 ubuncinci benqaku lekhredithi ye-FICO, i-43% ubuninzi be-DTI, kufuneka ibe yipropathi yosapho olunye. Akukho mida yengeniso |
| Imali mboleko kaFannie Mae Ekhaya | I-3% yokuhlawula, ama-660 ubuncinci benqaku lekhredithi ye-FICO, i-45% ubuninzi be-DTI, i-97% ubuninzi be-LTV, umvuzo wonyaka awunakugqitha kwi-100% yengeniso yemedian yaloo ndawo |
| Imalimboleko yasekhaya kaFreddie Mac inokwenzeka | I-3% yokuhlawula, ama-660 ubuncinci benqaku lekhredithi ye-FICO, i-45% ubuninzi be-DTI, i-97% ubuninzi be-LTV, umvuzo wonyaka awunakugqitha kwi-100% yengeniso yemedian yaloo ndawo |
| VA Imali-mboleko yasekhaya | I-0% yokuhlawula, i-580-660 ubuncinci benqaku lekhredithi ye-FICO, i-41% ubuninzi be-DTI, mayibe igqala, ilungu lomsebenzi osebenzayo, okanye iqabane elingatshatanga legqala le-KIA / MIA |
| Imali mboleko yasekhaya ye-USDA | Amanqaku angama-640 ubuncinci benqaku lekhredithi ye-FICO, i-41% ubuninzi be-DTI, umvuzo wonyaka awunakugqitha kwi-115% yengeniso ephakathi yase-US, Kufuneka uthenge kwiindawo ezisemaphandleni ezifanelekileyo |
| I-FHA 203 (k) iMali mboleko yokuBuyisa | Intlawulo ye-3.5%, 500-660 ubuncinci benqaku letyala le-FICO, i-45% ubuninzi be-DTI, iindleko ze- $ 5,000 zokuhlaziya |
Gcina ukhumbule ukuba ayisiyiyo yonke le mithetho idweliswe apha ngasentla ebekwe elityeni.
Umzekelo, unokukwazi ukufumana isiqinisekiso semali mboleko ye-FHA ngamanqaku okuthenga ngetyala asezantsi angama-500, ukuba nje unokwenza intlawulo nge-10%.
Okanye unokulungela ukufumana imali-mboleko kaFannie Mae ngenqanaba lokufumana ityala ukuya kuthi ga kwiipesenti ezingama-50, endaweni yama-43%. Kodwa uya kudinga ezinye izinto zokubuyisela (njengeakhawunti enkulu yokonga) ukuze ufaneleke.
Ke jonga ukhetho lwakho lwemali mboleko. Nangona unemeko ekhethekileyo, mhlawumbi kulula ukuba ufaneleke njengomthengi wokuqala wekhaya kunokuba ucinga.
Ungalifumana njani iGranti yoMthengi waseKhaya
Njengomthengi wokuqala ekhaya, ukufumana imali yokuhlawula kunye nokuvala iindleko yenye yezona ngxaki ziphambili. Ngethamsanqa, kukho izibonelelo kunye nezinye iinkqubo ezikhoyo zokunceda.
Wonke urhulumente elizweni une arhente yezemali yezindlu , Kwaye bonke banikezela ngeenkqubo ezizodwa kubathengi bexesha lokuqala, utshilo u-Anna DeSimone, umbhali wezezimali zezezindlu 2020.
Uyaqhubeka: Phantse zonke ezi arhente zikwanenkqubo yokuhlawula. Ezi nkqubo zihlala zibonelela ngezibonelelo zokukunceda ubhatale imali oyibhatalayo, imali ekungafuneki ukuba uyihlawule.
Okanye, uncedo lunokuba ngohlobo lwemali mboleko, ezo ntlawulo zinokumiswa de lithengiswe ikhaya okanye ubambiso lubanjiswe kwakhona.
UDeSimone uphawula ukuba iiarhente zihlala zibonelela ngezibonelelo ezilingana ne-4% yexabiso lokuthenga ekhaya. Kwaye iinkqubo ezininzi zikwabonelela ngoncedo olongezelelweyo ukuhlawula iindleko zokuvala.
Ewe kunjalo, nokuba awulilungelanga na isibonelelo sokuqala somthengi oza kuxhomekeka ekhaya kuya kuxhomekeka kwinto efumanekayo kwindawo yakho.
U-Angel Merritt, umphathi we-mortgage we-Zeal Credit Union, ucacisa ukuba nganye yezi nkqubo ineemfuno ezahlukeneyo zemfundo.
Ngokwesiqhelo, uya kufuna ubuncinci benqaku lokuthenga ngetyala le-640. Kwaye imida yengeniso inokusekwa kubungakanani bosapho nakwindawo yepropathi, utshilo uMerritt.
Uyaphawula ukuba, kwimeko yakhe, inkqubo eyaziwayo yinkqubo ye- Izibonelelo ezivela kwiGunya loPhuhliso lweZindlu eMichigan , Amabhaso afikelela kwi- $ 7,500 kuncedo lokuhlawula ezantsi.
Ngubani othathwa njengowokuqala umthengi ekhaya?
Nabani na othenga ikhaya lakhe lokuqala ngokuzenzekelayo ungumthengi okokuqala.
Kodwa kholwa okanye ungakholelwa, abathengi abaphindayo ngamanye amaxesha banokufumana ilungelo njengabathengi okokuqala ngqa emakhaya, ebavumela ukuba balungele ukufumana iinkqubo ezizodwa zemali mboleko kunye noncedo lwezezimali.
Kwiinkqubo ezininzi, okokuqala umthengi wasekhaya ngumntu ebengenayo nayiphi na ipropathi kule minyaka mithathu idlulileyo. -Ryan Leahy, uMphathi weNtengiso kwi-Mortgage Network, Inc.
Kwiinkqubo ezininzi, umthengi wokuqala wekhaya ngumntu ongenayo nayiphi na impahla kule minyaka mithathu idlulileyo Utshilo uRyan Leahy, umphathi wentengiso weMortgage Network, Inc.
Ezi ziindaba ezimnandi ngakumbi kubathengi be-boomerang ababenekhaya ngaphambili kodwa badlula kwintengiso emfutshane, ukubhengezwa, okanye ukubhengezwa.
Ngaphantsi kolawulo lweminyaka emithathu, aba bantu banendlela elula yokubuyela kubuninimzi ngokusebenzisa imali mboleko yomthengi yokuqala kunye nezibonelelo.
Iingcebiso zaBathengi beKhaya lokuQala kwiNtengiso yanamhlanje
USuzanne Hollander ligqwetha lokuthengisa izindlu nomhlaba kunye nomqeqeshi okhokelayo kwiYunivesithi yaseFlorida. Uthi, ngokubanzi, abathengi bokuqala nabo kufuneka baqinisekise ubuncinci iminyaka emibini yengeniso kunye nengqesho yangoku.
Ukongeza, uninzi lwababolekisi lukonyuse ngokukhawuleza amanqaku asezantsi okuthenga ngetyala ukuze afaneleke ukufumana iimali-mboleko ezininzi mva nje ngenxa yeenkxalabo ze-COVID-19, utshilo uHollander.
Uncedo lwabathengi bokuqala ekhaya
Inkqubo ye- iigranti kunye neenkqubo zemboleko Iingcali zabathengi bexesha lokuqala ziyafumaneka ezixekweni nakwiibala lonke i-United States. Ezi nkqubo zibonelela ngoncedo yokuhlawula phantsi kunye / okanye ukuvala iindleko kwiifom ezahlukeneyo, kubandakanya izibonelelo, iimali-mboleko ezingenanzala, kunye nemali mboleko yokuhlawula emiselweyo.
Ziyimfuneko ngokubanzi ezona ntlawulo zisezantsi . Izikhokelo ngokubanzi zigubungela ukuba umthengi kufuneka ahlale ixesha elingakanani ekhayeni, apho likhoyo ikhaya, apho umthengi ahlala khona ngoku okanye asebenza khona, kunye neyona mali iphezulu yengeniso yekhaya yomenzi-sicelo.
Wazi amanqaku akho etyala
Enye yezona zinto zimangalisa kakhulu abathengi bokuqala bekhaya bajongana nazo amanqaku aphantsi etyala . Oku kunokwenzeka ngezizathu ezininzi. Usenokuba ulibale ukuhlawula ityala lakho lekhadi letyala okwethutyana. Mhlawumbi awuzange ubhalisele ikhadi lekhredithi, oko kunokuthetha ukuba awunayo imbali esekwe yetyala. Kukho amathuba anqabileyo okuba uhlupheke kubusela besazisi obunciphise kakhulu amanqaku akho etyala.
Nokuba siyintoni na isizathu, amanqaku amanqaku aphantsi Kungathetha ukuba kukho imfuneko enkulu yentlawulo okanye inzala ephezulu kumthengi wasekhaya . Kungenxa yoko le nto kungcono ukuba uhlale unolwazi kwaye ubeke esweni amanqaku akho e-FICO ukuze ungajongani nezimanga ezingathandekiyo. Ukuba ukhathazekile malunga nenqanaba lakho lekhredithi, nanga amanyathelo onokuwathatha:
- Jonga ingxelo yakho yekhredithi. Ukuba uyakwazi okukuyo, akufuneki uchithe ixesha kunye namandla okuqikelela. Jonga ukuba kukho naziphi na iimpazamo kwaye ukuba kunjalo, xoxa.
- Bhatala amatyala akho ngekhadi letyala. Cwangcisa ukuhlawulwa kwetyala nge-akhawunti yekhadi letyala egameni lakho ukunceda ukuseka ikhredithi.
- Hlawula ngexesha! Ukuhlawulwa kade okanye emva kwexesha kunokuhlala kwirekhodi lakho iminyaka, ukwenza ukuba ababolekisi bazive ngathi ukukunika imali mboleko kunokuba ngumngcipheko.
Uncedo lokuhlawula ezantsi
Intlawulo esezantsi yintlawulo yokuqala oyenzayo xa uthenga ikhaya. Kubonwa njengotyalomali lwakho kwimali mboleko, njengoko ungaphulukana nayo ukuba awufezekisi intlawulo yenyanga elandelayo. Ngelixa uninzi lweemali-mboleko eziqhelekileyo zifuna ukuhlawulwa phantsi ukuya kuthi ga kwiipesenti ezingama-20 zexabiso lokuthenga lilonke, Iimali-mboleko ze-FHA zenza izinto zibe lula ngokufuna iipesenti ezi-3.5 zokuhlawula .
Nokuba yeyiphi na indlela, ukugcina ukuhlawulwa kwemali eninzi ekhaya kunokuba ngumthwalo, ke sisenzo esihle ukujonga esifanelekileyo. uncedo olufumanekayo Oko kuyanceda ukuhla kwenxalenye yeendleko. Uninzi lweearhente zikarhulumente kunye nezasekhaya zibonelela ngeenkqubo zoncedo, ezinje ngezibonelelo zokuhlawula ezantsi, kubantu abafanelekileyo abathengisa amakhaya okokuqala ukubanceda bahlawule intlawulo kunye nokuvala iimfuno zeendleko.
Qiniseka ukuba usebenzisa iNkqubo yokuNcediswa kweNtlawulo ePhantsi enikezelwa yidolophu yakho, umasipala, okanye urhulumente ukunceda ukunciphisa iindleko zakho zokuqala zobambiso. Fumana i Inkqubo yokunceda phantsi kwentlawulo kwindawo yakho.
Oku kuyenzeka kuba umbolekisi wokuqala uthengisa iphuli yemali mboleko ye-FHA kubatyali mali kwintengiso yesibini. Abatyalomali bazithenga ngengeniso, kwaye abanamdla wokubeka emngciphekweni imali-mboleko enamanqaku asezantsi ngeli xesha.
URandall Yates, umphathi we-The Lenders Network, uyavuma.
Abanye ababolekisi ababekhe bawamkela amanqaku ama-580 okuthenga ngetyala kwimali mboleko ye-FHA bonyusile ubuncinci ukusuka kuma-620 ukuya kuma-660, utshilo uYates.
Ukuba uneengxaki zokuthenga ngetyala, ndincoma ukusebenzisa lonke ixesha elongezelelekileyo esinalo ngeli xesha lokuvala ukuze ufumane ikhredithi yakho.
Ukuphucula amanqaku akho etyala, uHollander ucebisa ezi ngcebiso:
- Tsalela umnxeba inkampani yakho yekhadi letyala kwaye ucele ukonyuka kumgca wakho wekhredithi.
- Gcina ibhalansi yakho ingaphantsi kwe-30% yomda wakho wekhredithi ovumelekileyo
- Ukuba awukwazi ukuhlawula ityala ngexesha, fowunela inkampani yakho yekhadi letyala kwaye ucele ukurhoxiswa ngaphandle kwengxelo engeyiyo kwiziko lakho lekhredithi.
Kwaye khumbula: okokuqala okanye hayi, unokufumana ababolekisi bakulungele ukunikezela ngokuguquguquka ngezikhokelo zabo.
Ke, ngakumbi ukuba sele ukulungele ukubolekwa imali, qiniseka ukuba uyokujikeleza kwaye ubuze imibuzo emininzi ngaphambi kokuhlawula imali mboleko.
Xa ufaka isicelo semali mboleko yekhaya, musa ukoyika ukubuza imibuzo malunga neemfuno zemfundo, uMerritt ucebisa.
Ukuba ingcali yakho yemali mboleko ayizimiselanga kuchaza yonke into, fumana omnye umbolekisi, uMerritt ucebisa.
Fumanisa ukuba uyafaneleka na njengomthengi wokuqala
Eyona ndlela yokufumanisa ukuba ukulungele na ukufumana izibonelelo okanye uncedo kukunxibelelana nabasemagunyeni bezindlu edolophini okanye esixekweni apho ufuna ukuthenga indlu, ucebisa njalo uLeahy.
Qaphela ukuba izibonelelo zokuhlawula ezantsi kunye noncedo lokuvala iindleko azibhengezwanga ngokubanzi. Kuya kufuneka wenze owakho umba ukuze ufumane izibonelelo ezikhoyo kwaye ulungele zona.
Xa kuziwa kwimali mboleko yekhaya, izinto zilula kancinci.
Ungafumanisa ukuba ufanelekile ntoni, kunye nenqanaba lenzala yakho yexesha elizayo kunye nentlawulo yenyanga, ngokuthenga nje kwi-Intanethi.
Iziqulatho
- Iimali-mboleko ze-FHA kunye neenkqubo zaBathengi beXesha lokuQala
- Iimali-mboleko ze-FHA zabaThengi beKhaya lokuQala
- Funda malunga neendleko zokuvala ze-FHA
- Imida yeMali mboleko ye-2021 FHA
- I-MIP yipremiyamu yakho ye-inshurensi yobambiso
- Amaxabiso e-MIP kwimali mboleko ye-FHA kangangeminyaka eli-15
- UngayiLungela njani iMali mboleko yoMthengi waseKhaya
- Ungalifumana njani iGranti yoMthengi waseKhaya
- Ngubani othathwa njengowokuqala umthengi ekhaya?
- Iingcebiso zaBathengi beKhaya lokuQala kwiNtengiso yanamhlanje
- Uncedo lwabathengi bokuqala ekhaya
- Wazi amanqaku akho etyala
- Uncedo lokuhlawula ezantsi
- Fumanisa ukuba uyafaneleka na njengomthengi wokuqala