Mapulogalamu ogula nyumba koyamba ku Florida , Kugula nyumba ku Florida kumakhala kovuta. Kugulitsa kuli kovuta, ndipo kufunika ndipo mitengo ikukwera.
Ngati ndinu ogula nyumba mwa nthawi yoyamba ku Florida Kuyendetsa njirayi, makamaka gawo la ndalama, kumawoneka ngati kovuta.
Koma pali thandizo lomwe lingathandize kuti njirayi ikhale yosavuta ndipo mutha kugulira nyumba momwe mungapezere ndalama. Zosiyanasiyana za mapulogalamu ammudzi, boma ndi feduro kwa ogula nyumba koyamba, makamaka Mtengo wa magawo Florida Housing Finance Corp. ., ili ndi zothandizira kuyambira upangiri wa zandalama ndi upangiri mpaka mapulogalamu angongole zanyumba.
Chip White, woyang'anira wogula nyumba ku Florida Housing Finance Corp., yemwe amadziwika kuti Florida Housing, adati zovuta zomwe ogula nyumba ku Florida akukumana nazo ndizomwe ogula ochokera kumayiko ena amazindikira, makamaka kukwera mtengo komanso kusowa kwa zinthu kumadera ena aboma.
Mapulogalamu ngati Florida Housing, omwe amayang'anira nyumba za boma, ndi mapulogalamu ena aboma amagwira ntchito ndi obwereketsa ovomerezeka kuti athandize ogula nyumba ku Florida ndi mtengo wake.
Mapulogalamuwa amaperekanso thandizo lina lazachuma, kuphatikiza ndalama (ndalama zomwe siziyenera kubwezedwa) ndi zina zowonjezera kuti muchepetse zolipira ndi zolipirira.
Mtengo wapakatikati wanyumba yamtundu umodzi ku Florida mu 2020 unali $ 264,000, malinga ndi Otsatsa ku Florida , bungwe loyimira Florida real broker broker.
Akatswiri azachuma aboma alosera kuti anthu 347,000 asamukira ku Florida chaka chino, pafupifupi anthu 900 patsiku. Ambiri a iwo adzafuna kugula nyumba. Chifukwa chake, kukwera kwamitengo kuyenera kupitilira.
Kudziwa zomwe zilipo kukuthandizani kumvetsetsa ndikuthana ndi msika wovuta kumapangitsa kuti njirayi isakhale yotopetsa komanso kukuthandizani kuti mupite kunyumba kwanu yamaloto.
Tanthauzo la Zogulitsa Zogulitsa Kunyumba ku Florida
Nthawi yoyamba mapulogalamu ogula kunyumba Mukamafufuza njira zakunyumba, mudzawona mayina ambiri okhudzana ndi mabungwe, mapulogalamu, ndi zinthu. Kumvetsetsa msuzi wa zilembo ndi theka la nkhondo.
Zina mwazofunikira zomwe tidzakambe m'nkhaniyi ndi izi:
- FHFC - Mtengo wa magawo Florida Housing Finance Corp. , kapena Florida Housing. Awa ndi mabungwe omwe amapita ku Floridians omwe amapeza ndalama zochepa kuti athe kugula nyumba, kupereka zinthu ndi mapulogalamu kuti ntchitoyi ikhale yomveka komanso yotsika mtengo.
- FHA - The Federal Housing Administration, yomwe idakhazikitsidwa pakatikati pa Kusokonezeka Kwakukulu mu 1934. FHA imakhazikitsa ngongole zanyumba ndi miyezo yomanga.
- Khungu - Dipatimenti Yanyumba ndi Kukula kwa Mizinda ku US, yomwe imayang'anira FHA, ilinso ndi mapulogalamu osiyanasiyana omwe amathandiza ogula nyumba, kuphatikiza omenyera ufulu ndi okwatirana nawo. HUD ilibe mapulogalamu okha, koma malangizo owonjezera pa ufulu wanu monga wogula nyumba, momwe mungagulire nyumba ndi ngongole yanyumba, ndi zina zambiri.
- USDA - Bungwe lotukula zakumidzi ku US department of Agriculture lilinso ndi mapulogalamu a ogula nyumba kumadera akumidzi.
- Pitani - Dipatimenti yaku US ya Veterans Affairs, yomwe imapereka ngongole zanyumba kwa asitikali, omenyera ufulu wawo, ndi akazi awo.
- Ma SME - Inshuwaransi yanyumba yabizinesi, yomwe imafunika kwa obwereketsa omwe ndalama zawo ndizochepera 20%. Izi zimathandiza kuteteza obwereketsa ngati wobwereketsayo sangathe kulipira ndikulandidwa. Ambiri omwe amakhala ndi ndalama zochepa komanso omwe amakhala ndi nthawi yoyamba omwe amakhala ndi ngongole yolipira kunyumba amakhala ndi 3% yolipira, kotero izi zitha kukhala zofunikira ngati mukugula nyumba.
Mudzawonanso maumboni ambiri okhudza ngongole yanyumba yazaka 30 mukafuna kugula nyumba. Izi ndizomwe mungasankhe 90% ya ogula nyumba. Ngongole yanyumba yazaka 30 yokhazikika imatanthauza kuti mumalipira ngongole yanyumba kwa zaka 30, ndi chiwongola dzanja komanso kulipira mwezi uliwonse zomwe sizikusintha. Izi ndiye ngongole zanyumba zofala kwambiri, chifukwa zolipazo ndizotsika motero ndizotsika mtengo kuposa zaka 15.
Thandizo kwa Ogula Koyamba Kunyumba ku Florida
Boma Lithandiza Kugula Nyumba ku Florida . Imodzi mwa malo oyamba kukaona ngati ndinu ogula nyumba koyamba ku Florida ndi Nyumba za Florida . Adapangidwa ndi Nyumba Yamalamulo yaku Florida zaka 35 zapitazo kuti awonetsetse kuti nzika za boma zili ndi njira zotsika mtengo zogulira nyumba mumsika wovuta.
Nyumba za Florida imagwira ntchito ndi madera, zopanda phindu, otukula, boma la feduro, ndi ena kuti apange ndikuthandizira mapulogalamu omwe amathandiza anthu kupeza nyumba zoyenera m'boma.
Thandizo lanyumba ku Florida. Ili ndi mapulogalamu a ogula komanso a renti, komanso mapulogalamu a omwe amawalimbikitsa kuti apange nyumba zotsika mtengo. Ogula omwe akuyenera kugula kunyumba ayenera kukwaniritsa ndalama zomwe angapeze ndi ngongole zawo ndipo ayenera kugula nyumba yawo yoyamba kuti akwaniritse mapulogalamu oyamba ogula kunyumba ku Florida.
Florida Housing ili ndi mapulogalamu atatu ofunikira ogula nyumba koyamba:
- Mapulogalamu kwa ogula nyumba : Zosiyanasiyana zaka 30 za ngongole zanyumba zanyumba zoyambilira kwa omwe abweza kanyumba koyamba kudzera mwa omwe akuchita nawo obwereketsa ndi obwereketsa ndalama kudera lonse, kuphatikiza ngongole yanyumba yazaka 30, ngongole yanu yazaka 30% 3, ndi pulogalamu yanu yankhondo yamagulu ankhondo omenyera nkhondo .
- Pulogalamu yothandizira ya malipiro oyamba : Kuthandiza kwa ndalama zolipira ndi kutseka monga ngongole yachiwiri yanyumba yomwe imagwiritsidwa ntchito ndi Florida Housing yoyamba ngongole yanyumba.
- Dongosolo Losungitsa Ngongole: Ngongole yamsonkho yomwe ingagwiritsidwe ntchito ndi ngongole yanyumba yoyamba, yomwe imathandizira kupanga ndalama kwa wobwereka kuti agwiritse ntchito kubweza ngongole ndi zina zanyumba.
Ilinso ndi State Housing Initiative Association yomwe imathandizira ogula nyumba koyamba kuthana ndi zovuta zachuma kumadera ena a Florida. Florida Housing imagwira ntchito ndi maboma akomweko, mabungwe othandizira anthu ndi mizinda (omwe adalandira ndalama za HUD kuti athandizire kuyendetsa bwino zachuma). Ndikofunika kuyang'ana tsamba la Florida Housing kuti muwone ngati dera lanu lili ndi pulogalamu yomwe ingakuthandizeni kwambiri.
Nayi tsatanetsatane wa mapulogalamu akubweza kunyumba ku Florida:
Florida HFA Yokondedwa Ngongole Yachizolowezi
Ngongole ya Florida HFA Yokondedwa Yokhazikika Ndi ngongole yazaka 30 yomwe imapatsa ngongole kwa nthawi yoyamba kubweza ngongole yanyumba yanyumba. Iyi ndi ngongole yotchuka kwambiri ku Florida Housing chifukwa imachepetsa ndalama ndipo imalola anthu ambiri kuti ayenerere, atero a White.
Katunduyu amapereka inshuwaransi yocheperako kwa ogula oyenerera, ndalama zambiri zamapulogalamu ndi mitengo yamtengo wogulira kuposa zachikhalidwe za 'ngongole zanyumba' ndipo ndizosavuta (zochepa zolembera) kuti omwe amatenga nawo mbali atenge, adatero.
Obwereketsa oyenerera amangofunikira ngongole yanyumba yanyumba yomwe imakhudza 18% yamtengo, m'malo mwa 35% yomwe imakhala yofananira mukamabwereka 97% yamtengo wogulira kunyumba (mwanjira ina, kulipirira 3%).
Chifukwa chakuti ngongole imapereka inshuwaransi yotsika mtengo, zolipirira pamwezi zimakhala zochepa.
Florida HFA Amakondera 3% Kuphatikiza Ngongole Yachizolowezi
Izi zimapindulanso chimodzimodzi ndi ngongole yanthawi zonse ku Florida HFA, komanso zimapereka chindapusa cha 3% yolipira ndikutseka. Chifukwa ndi thandizo, sayenera kubwezeredwa.
Pulogalamu yobwereketsa boma ya ngwazi zankhondo
Asitikali komanso omenyera nkhondo amatha kugwiritsa ntchito mapulogalamu angapo omwe amathandizira pakubweza ngongole zanyengo yazaka 30, kuphatikiza ku FHA, VA, ndi USDA Rural Development. Chiwongola dzanja cha ngongole izi chimakhala chotsika poyerekeza ndi chachizolowezi, ndipo chitha kugwiritsidwa ntchito molumikizana ndi ena ku Florida Housing kulipira ndikutseka mapulogalamu othandizira ndalama kuti achepetseko mtengo.
HFA Yokondedwa Grant
Ndalama Zoyang'anira Nyumba ku Florida zimapereka 3% kapena 4% yamtengo wogulira nyumbayo kuti mugwiritse ntchito ngati ndalama zolipira komanso kutseka. Sayenera kubwezeredwa, koma iyenera kugwiritsidwa ntchito ndi imodzi mwama pulogalamu obwereketsa omwe amagula nyumba ku Florida Housing.
Florida Mortgage Credit Certificate Program (MCC)
Pulogalamu Yobweza Ngongole Yanyumba imalola kuti wogula nyumba yoyamba azifunsa 10% mpaka 50% ya chiwongola dzanja chawo mpaka $ 2,000 bola ngati akukhala mnyumbamo. Ndalamazo zitha kunenedwa kuti ndi ngongole yamsonkho wobweza. Ngongole imagwira ntchito kwa ogula nyumba koyamba komanso omenyera akale akugula nyumba.
Kuyenererana ndi Maubwino Ogulira Kunyumba Koyamba
Mawu amodzi omwe mumawona pafupipafupi mukamafufuza njira yogulira nyumba ndi ogula oyenerera. Kuti muyenerere mapulogalamu ochokera ku Florida Housing, HUD, ndi mabungwe ena, wogula nyumba sayenera kupitirira ndalama zina, koma zimasiyanasiyana kutengera dera lomwe akukhalamo komanso kukula kwa nyumbayo. Palinso malire pamtengo wokwera wanyumba, womwe umasiyananso ndi dera.
Nazi zinthu zina zomwe ndizoyenera, ziribe kanthu kaya m'matauni 67 aku Florida omwe mumakhalamo:
- Chiwerengero cha ngongole cha 620
- Katundu akuyenera kukhala ku Florida
- Iyenera kukhala malo ogula oyamba.
- Wogula ayenera kutenga maphunziro a ogula kunyumba aola la 6-8.
Zina mwa izi ndizodziwikiratu, koma kuchuluka kwanu kwa ngongole ndi chinthu chomwe muyenera kusamala nacho, mosasamala kanthu kuti mapikidwe anu ndi otani. Fair Isaac Corp., yomwe imayika ngongole kapena ziwerengero za FICO, ikusintha momwe zimachitikira ndi ngongole zoyipa, ngongole zochuluka kwambiri ndi zina zingatanthauze kutsika pang'ono. Ndibwino kuti muwone kuchuluka kwanu kwa ngongole ndikupeza momwe mungasinthire ngati mukuganiza zogula nyumba.
Palinso zinthu zina zambiri zomwe zimapangitsa kuti mupeze ngongole yanyumba, mosasamala kanthu za zomwe mumagwiritsa ntchito ngati ogula nyumba koyamba.
Ngati ndalama zanu ndizolimba kapena mukukhudzidwa kuti ngongole yanu kapena ndalama zochepa kwambiri, Wothandizira Wogulitsa Nyumba patsamba la Florida Housing akhoza kukuthandizani kumvetsetsa zomwe mungayenerere, komanso kupereka chidziwitso cha komwe mungagwiritse ntchito ngongole.
Popeza ngongole zathu zimachokera kwa omwe amaphunzitsidwa ndi omwe amavomerezedwa ndi mapulogalamu kuboma lonse, tidalembanso ena mwa omwe amatenga nawo ngongole ku wizard, a White atero. Obwereketsa awa amatha kukhala oyenerera ndikuwona kuti ndi zinthu ziti zomwe zikugwirizana ndi zomwe wobwereketsayo.
Mapulogalamu adziko lonse ogula nyumba koyamba
Palinso mapulogalamu ogula nyumba omwe akupezeka kuti athandize koyamba ogula kunyumba kuti alowe m'nyumba yomwe amalota.
Imodzi mwamawebusayiti othandiza kwambiri kuyendera ndi a HUD's. Kuthandiza anthu kukhala eni nyumba ndichimodzi mwazinthu zofunika kwambiri zomwe HUD imachita, tsambalo linatero.
HUD imapereka uphungu waulere kwa iwo omwe akufuna kugula nyumba, ngakhale mapulogalamu a aphunzitsi, ozimitsa moto, oyang'anira zamalamulo ndi ena omwe amapereka kuchotsera pamtengo wogulira nyumba pansi pa pulogalamu ya Good Neighbor Next Door.
Ngongole zanyumba zodziwika bwino kwambiri ndi izi:
- FHA ngongole - Ngati ngongole yanu yangongole ndiyotsika, iyi ikhoza kukhala pulogalamu yanu. Malipiro oyamba a FHA kwa iwo omwe ali ndi ngongole ya 580 kapena kupitilira apo amayamba pa 3.5% ya kugula. Ngati ngongole yanu ya ngongole ndi yochepera 580, FHA imafuna 10% yolipirira kuti muteteze ngongoleyo. Ngongole za FHA zimafuna inshuwaransi yanyumba yamoyo wonse wa ngongoleyo.
- VA ngongole - Omwe atumikirapo kapena akugwira ntchito yankhondo ndi okwatirana nawo atha kulandira ngongole za VA kudzera ku US department of Veterans Affairs, zina zomwe sizimafuna kulipira ngongole kapena inshuwaransi yanyumba.
- Ndalama za USDA Ngongolezi zilibe ngongole yolipira anthu omwe amakhala kumidzi, zomwe zimafunikira ndalama mosiyanasiyana malinga ndi dera. Obwereka omwe amakhala ndi ngongole zochepera 640 ali ndi zofunikira zina.
Magulu Ankhondo A Florida ndi Mapulogalamu Oyambira Ngongole
Poyang'aniridwa ndi asitikali ankhondo komanso omenyera ufulu wawo, mapulogalamuwa amapereka ngongole zanyumba yazaka 30 za ngongole za boma (FHA, VA, ndi USDA). Masewera Achimuna imapereka mitengo yotsika kuposa Florida Choyamba, ndipo simuyenera kukhala ogula nyumba koyamba kuti mugwiritse ntchito pulogalamu iliyonse. Obwereketsa amatha kuphatikiza ngongolezi ndi pulogalamu ya Florida Housing yolipira ndikutseka ndalama zothandizira.
FL HFA Yokondedwa & Yokondedwa PAMODZI Ndondomeko Zangongole Zangongole
Obwereketsa omwe amayenerera ngongole zanyengo yazaka 30 zokhazikika adzawona ndalama zochepa zantchito ya inshuwaransi kuposa ngongole zofananira za FHA. Ngongole zimatha kuphatikizidwa ndi pulogalamu yothandizira kulipira ndi kutseka. Njira ziwiri zomwe mungakonde kulandira PLUS zimapereka obwereketsa oyenera ndi 3% kapena 4% ya ndalama kuti alipirire ndalama zolipira ndi kutseka. Mphatsozo siziyenera kubwezeredwa. Mphatso ya 4% imabwera ndi chiwongola dzanja chachikulu kwambiri kuposa ngongole zomwe Mumakonda ndi 3% ya PLUS.
Florida Nyumba Zolipira Pansi ndi Mapulogalamu Otseka Mtengo Wothandizira
Florida Athandize Ntchito Yachiwiri Yobwereketsa (FL Assist)
Olembera oyenerera amalandila mpaka $ 7,500 pa chiwongola dzanja cha 0 peresenti pa ngongole yachiwiri yomwe abweza kuti adzagwiritse ntchito polipira. Ndalama zimachedwa kufikira nyumba itagulitsidwa kapena katundu atasamutsidwa, kapena ngongole ikabwezedwa kapena kukonzedwa.
3% HFA Yokondedwa Grant
Pulogalamuyi imapereka obwereketsa oyenerera ndi 3 peresenti ya mtengo wogula kunyumba kuti agwiritse ntchito polipira ndikutseka. Ndalamayi siyenera kubwezeredwa.
Ndondomeko ya Florida Housing Mortgage Credit Certificate (MCC)
Oyenerera ogula koyamba kunyumba atha kufunsa kuti 50% ya chiwongola dzanja chawo cholipiridwa, chokwana $ 2,000, monga ngongole yamsonkho chaka chilichonse omwe amakhala mnyumba mwanu. Ngongole yamsonkho imachepetsa misonkho kwa obwereka kuti athandize kumasula ndalama zambiri zomwe zitha kugwiritsidwa ntchito kubweza ngongole ndi zina zanyumba.
Chidziwitso: Mapulogalamuwa ayenera kugwiritsidwa ntchito ndi pulogalamu yobwereketsa kunyumba ku Florida.
Zamkatimu
- Tanthauzo la Zogulitsa Zogulitsa Kunyumba ku Florida
- Zina mwazofunikira zomwe tidzakambe m'nkhaniyi ndi izi:
- Thandizo kwa Ogula Koyamba Kunyumba ku Florida
- Florida Housing ili ndi mapulogalamu atatu ofunikira ogula nyumba koyamba:
- Florida HFA Yokondedwa Ngongole Yachizolowezi
- Florida HFA Amakondera 3% Kuphatikiza Ngongole Yachizolowezi
- Pulogalamu yobwereketsa boma ya ngwazi zankhondo
- HFA Yokondedwa Grant
- Florida Mortgage Credit Certificate Program (MCC)
- Kuyenererana ndi Maubwino Ogulira Kunyumba Koyamba
- Nazi zinthu zina zomwe ndizoyenera, ziribe kanthu kaya m'matauni 67 aku Florida omwe mumakhalamo:
- Mapulogalamu adziko lonse ogula nyumba koyamba
- Ngongole zanyumba zodziwika bwino kwambiri ndi izi:
- Magulu Ankhondo A Florida ndi Mapulogalamu Oyambira Ngongole
- FL HFA Yokondedwa & Yokondedwa PAMODZI Ndondomeko Zangongole Zangongole
- Florida Nyumba Zolipira Pansi ndi Mapulogalamu Otseka Mtengo Wothandizira
- Florida Athandize Ntchito Yachiwiri Yobwereketsa (FL Assist)
- 3% HFA Yokondedwa Grant
- Ndondomeko ya Florida Housing Mortgage Credit Certificate (MCC)