Kodi mungagule bwanji nyumba popanda kulipira? Momwe mungagulire nyumba yopanda ndalama.
Kupeza ndalama zolipirira ngongole kumatha kukhala vuto lalikulu kwa aliyense amene akufuna kukhala mwini nyumba.
Ambiri mwa Akatswiri azachuma amalimbikitsa kuti pakhale kulipira kwa 20% kupewa perekani zambiri mwezi uliwonse chifukwa inshuwaransi yanyumba yanyumba . Ngati mukuwona kuti mwina kuthekera kochulukitsa ndalama zotere sikungatheke, simuli nokha. Malinga ndi data kuchokera Realtor.com , omwe amagula nyumba zaka zikwizikwi adasiya pafupifupi 8.8% yamtengo wogulira kunyumba kuyambira Disembala 2019.
Mwamwayi, pali njira zina m'malo mwa kubweza ngongole zanyumba zonse zomwe zingathe kukuthandizani kugula nyumba yopanda malipiro . Boma la United States limapereka ngongole zanyumba kwa ogula nyumba pamalonda azachuma, koma zowonadi pali zotsatsa zina.
Ngakhale ngongolezi zitha kukhala ndi mawu abwino, monga kuchepetsa chiwongola dzanja , nthawi zambiri pamakhala fayilo ya mkulu ziyeneretso muyezo . Kupeza imodzi ya ngongolezi sikukumasulani kwathunthu, chifukwa mukufunikirabe ndalama kuti muphimbe kutseka ndalama , ndipo mukangokhala mnyumba, zolipira kubweza ngongole pamwezi.
M'munsimu muli ali ndi ngongole zitatu zomwe boma limakonda kubweza kwa ogula nyumba, amaperekedwa ndi obwereketsa osiyanasiyana mdziko lonselo. Dziwani kuti mayiko ambiri amaperekanso mapulogalamu awo othandizira ngongole yakunyumba, makamaka kwa ogula nyumba koyamba.
Veterans Affairs (VA) Ngongole
Ogwira ntchito mwakhama komanso omwe kale anali asirikali amatha kulowa nawo Ngongole ya Veterans Affairs (VA) ndalama zogulira a nyumba mpaka $ 484,350 mu 2019 , nthawi zambiri amakhala ndi chiwongola dzanja chochepa poyerekeza ndi ngongole yanyumba wamba. Ngongoleyi sikutanthauza kulipira ngongole yanyumba kapena inshuwaransi yanyumba, koma imabwera ndi malangizo okhwima, kuphatikiza kukwaniritsa zomwe zili zofunika kuti katundu akhalepo.
Wogula amayeneranso kulipira chindapusa, chomwe chimateteza wobwereketsa ngati atasowa. Kuchuluka kwa zolipirako kumatengera ntchito yaomwe akugula, kuchuluka kwa zolipirira, komanso ngati anali ndi ngongole ya VA m'mbuyomu, ndipo amafotokozedwa ngati kuchuluka kwa ngongole yonse ( zosakwana 3% ), akufotokoza NerdWallet . Malipiro amatha kulipidwa pasadakhale kapena kuwonjezeredwa pamalipiro onse a ngongole.
Ndalama zotsekera nthawi zambiri zimakhala zochepa ndi ngongole ya VA, ngakhale wogula amakhalabe ndi udindo wowalipira nthawi zambiri.
Ngongole yochokera ku United States department of Agriculture (USDA)
Ngongole ya Dipatimenti ya Zaulimi ku United States (USDA) imathandiza anthu akumidzi kugula nyumba ndi ndalama zoyambira zero. Kuti muyenerere Dongosolo La Ngongole Yokhazikika Yabanja Limodzi , ayenera kutsatira zina zofunika ndalama , wofotokozedwa kuti ndalama otsika pang'ono, omwe amasiyanasiyana malinga ndi boma. USDA ndiyowolowa manja ndi tanthauzo lake lakumidzi komanso imaganizira madera ena akumatauni (mutha kuwona ma adilesi omwe mukugwiritsa ntchito mapuwa patsamba la USDA ).
Palibe ngongole zochepa zopeza ngongole ya USDA, ngakhale 640 wapamwamba ndipo chiwongola dzanja chobwereketsa ndalama chochepera pa 41% chimakhala chofunikira kungolembetsa, malinga ndi USDAloans.com .
Ngakhale kulipira koyenera, wogula akuyenera kulipira a chindapusa choyambirira chofanana 1% ya ngongole yonse yotetezedwa kuti isasungidwe, kuphatikiza chindapusa cha USDA cha 0,35% chomwe chimawerengedwa ngati kuchuluka kwa ngongole chaka chilichonse, koma zimangowonjezedwa pamwezi ndi kulipiridwa kwa wobwereketsa ngongole.
Ngongole ya Federal Housing Administration (FHA)
Ngongole ya Federal Housing Administration (FHA) imalola ogula kulipira 3.5% yokha yamtengo wogulira nyumba yoyamba, koma imafuna ngongole ya 580 wapamwamba ndi chiwongola dzanja changongole chotsika kuposa 43% . Ngati muli ndi chiphaso pakati pa 500 ndi 579, muyenera kusiya 10%.
Ngongole za FHA zimafuna inshuwaransi yabizinesi yanyumba, yopangidwa ngati yolipirira pang'ono kuphatikiza zolipira pamwezi, ndipo nthawi zambiri imakhala ndi chiwongola dzanja chachikulu kuposa ngongole yanyumba wamba. Wogula nayenso ali ndi udindo wotseka ndalama.
Pulogalamu ya kuchuluka kwa ngongole za FHA zimasiyanasiyana malinga ndi malo, koma kwa banja limodzi zimasiyanasiyana kuchokera $ 315,515 mdera lotsika mtengo kufika $ 726,525 mdera lokwera mtengo mu 2019.
Kodi mungapeze bwanji ndalama zothandizira?
Pali mapulogalamu m'dziko lonselo othandiza obwereka oyenerera kupeza ndalama zochepa zomwe amafunikira kuti agule nyumba yoyamba.
Zambiri za mapulogalamu othandizira kulipira Amawona ndalamazo ngati chithandizo ngati mungakhalebe malowo, koma ngati ngongole mutagulitsa, Kahn akufotokoza. Zitha kukhazikitsidwa kuti zithandizire ogula kusamukira kumadera ena.
Zitsanzo za mapulogalamu othandizira kulipira omwe akupezeka:
- Ku Denver, pulogalamuyi Kuthandizira Kwanyumba Yobwereketsa Komanso imapereka ndalama zopitilira 4 peresenti ya ngongole. Ndalama zomwe obwereketsa sayenera kupitirira malire, ndipo pakufunika ndalama zochepa za 0,5.
- Ku San Diego, ogula koyamba osapitilira 80 peresenti ya ndalama zapakatikati amafunsira a perekani mpaka $ 10,000 . Zogulitsa zimakhala ndi zoperewera zina, kuphatikiza mtundu wanyumba ndi mtengo wogula.
- Ku Michigan, ogula nyumba koyamba kudera lonselo ndikubwereza ogula kunyumba kumadera ena omwe ali ndi ngongole zosachepera 640 atha kulembetsa ngongole kuchokera zero peresenti yothandizira kulipira mpaka $ 7,500. Nyumba ikagulitsidwa kapena kuwonjezeredwa, ngongole imayenera kulipidwa yonse. Wobwereka ayenera kupereka 1% yolipira.
- Ku Cleveland, ogula oyenerera atha kulandira ngongole yobwezeredwa mpaka 17 peresenti za mtengo wonse wogulitsa (mtengo wogula kuphatikiza 5% yamtengo wotsekera). Wobwereka ayenera kupereka osachepera 3 peresenti ya mtengo wonse wogulitsayo. Makumi asanu mwa magawo makumi asanu am'mbuyomu amalandila ngongoleyo adzakhululukidwa atakhala zaka 10, ndipo ndalamazo siziyenera kulipidwa mpaka kugulitsa kapena kusamutsa. Pazinthu zina, ngongole imakhala chithandizo pambuyo pazaka zisanu akukhalamo.
- Ku California, pulogalamu yoyamba yothandizira kulipira kwa GSFA Platinum imapatsa obwereketsa ndalama zochepa komanso osalandira ndalama mphatso yosabwezedwa mpaka 5% yamtengo wakunyumba pogula kapena kukonzanso nyumba yoyamba. Chiwerengero chofunikira kwambiri cha FICO ndi 640, ndipo chiŵerengero chachikulu cha ngongole ndi ndalama ndi 50 peresenti. Ena obwereketsa adzayenera kubwereketsa 0.5%, Kahn akuti.
Kodi mukufuna ndalama kuti mutseke?
Kufunika kwa ndalama kuti mutseke ngongole yanyumba sichoncho nthano, ambiri. Ngongole zomwe zimalola wobwereka kuti agule nyumba popanda dola imodzi mthumba sizomwe zimachitika. Ndalama zotsekera zitha kuwonjezera mpaka 3 mpaka 5% yamtengo wogula ndikuphatikizira:
- Ndalama zoyambira
- Malipiro a ntchito
- Ndalama yolumikizirana
- Malo ochotsera (kapena malo obweza ngongole)
- Ndalama za anthu ena (kuphatikiza kuwunika, kuwunika, lipoti laudindo, inshuwaransi ya mutu, lipoti la ngongole, chiphaso cha kusefukira kwamadzi, kafukufuku, ndi ndalama zina)
- Zinthu zolipidwa kale (kuphatikiza inshuwaransi ya eni nyumba, misonkho ya katundu, chiwongola dzanja cholipiriratu)
- Malipiro olembetsera
- Ndalama zokonzekera zolemba
Obwereketsa ena amapereka ndalama zina, mwina posinthana ndi chiwongola dzanja chambiri pa ngongole. Mapulogalamu ena amalola kuti ndalama ziwonjezeredwe pamalipiro a ngongole kotero kuti sizoyenera kutsekedwa (mudzalipira chiwongola dzanja pamalipiro a ngongole).
Mutha kupeza njira zopangidwira zochepetsera ndalama zanu mthumba. Mwachitsanzo, wachibale atha kukupatsirani ndalama zolipirira ndipo atha kufunsa wogulitsa kuti apereke zilolezo (zogulitsa za wogulitsa) pomalizira.
Kodi ngongole yanyumba yopanda zero ndiyabwino liti?
Ngongole yolipirira kubweza ngongole ndi njira yabwino kwambiri kwa wogula nyumba yemwe alibe ndalama koma oyenereradi kugula nyumba.
Kuchuluka kwa ndalama ndi kubweza ngongole ndizisonyezo zazikulu zakukhala okonzeka kukhala ndi nyumba kuposa zomwe amalipira, atero Paul. Yemwe ali ndi gulu lankhondo pantchito yogwira ntchito ali ndi ndalama zokhazikika, malipiro otsimikizika omwe sangathenso kutaya ntchito. VA ngongole imaposa mitundu ina yambiri yobweza ngongole zochepa.
Ngati mulibe malingaliro oti mugulitse kwa zaka zoyambirira, muli okonzeka komanso okhoza kusamalira nyumbayo, ndikukhala ndi ndalama zokhazikika, kubweza ngongole yanyumba kungabweretse umwini wanyumba zaka zapitazo. kuposa momwe mungathere ngati mungasunge ndalama zolipira.
Kodi zero zogulira ngongole zisanafike poipa ndi lingaliro loipa?
Ngongole yanyumba ingakhale njira yabwino kwa wobwereka yemwe angathe kubweza ngongoleyo ndikusunga ndalama pamapeto pake. Ndalama zoyambirira ndi chiwongola dzanja cha ngongole zimakhala zofanana kwambiri ndi zomwe adalipira koyambirira. Mukamachoka panyumba, zimakulimbikitsani kuti muzipeza ndalama zochepa komanso zochepa.
Kubweza ngongole pasadakhale si lingaliro labwino pamsika wotsika. Ngati mwaphonya zolipira ndipo mtengo wanyumba yanu watsika, mudzakhala pansi pamadzi (mudzakhala ndi ngongole zambiri panyumba yanu kuposa momwe zilili pamsika wamasiku ano).
Mudzawonanso ngati mugulitsa posachedwa. Muyenera kudziwa za nthawi yopuma (pomwe ndalama zanu zimapitilira mtengo wanu wogula komanso mtengo wanu wogulitsa). Izi zitha kuthera zaka zisanu ngongoleyo. Mukamagulitsa koyambirira, mudzataya ndalama.
Pomaliza, ngongole yanyumba yanyumba siyabwino kusunthira munthu wina amene sangayike ndalama pafupipafupi. Muyenera kukhala ndi bajeti kuti mukhale ndi nyumba, kapena mutha kukumana ndi mavuto azachuma nyumba yanu ikasowa kukonzedwa. Simungathe kulandira ngongole yanyumba pokhapokha mutakhala ndi ndalama zokwanira (nthawi zambiri mumafunikira ndalama zokwanira 20% mutatseka ngongole), zomwe zingakhale zaka zisanu ndi zinayi mpaka 12, kutengera chiwongola dzanja chanu.
Kodi Mungapeze Bwanji Ngongole Yobweza Ngongole?
Pafupifupi onse obwereketsa ndalama amapereka ngongole zingapo kuti akwaniritse zosowa zosiyanasiyana za obwereketsa, kuphatikiza ngongole zochepa. Obwereketsa m'dziko lonselo amapereka mapulogalamu a ngongole za VA, USDA, ndi FHA, mwachitsanzo.
Mukakonzeka kulembetsa, yang'anani ndi obwereketsa akulu ndi ang'ono kuti mupeze ngongole zingapo. Chiwongola dzanja ndi mtengo zimasiyanasiyana kuchokera kwa wobwereketsa mpaka wobwereketsa, ndipo ngakhale kusiyana kocheperako kumatha kuwonjezera kwambiri pamoyo wa ngongole.
Yambani ndikumvetsetsa bwino bajeti yanu. Ndalama zokhala ndi nyumba nthawi zambiri zimakhala zapamwamba kuposa mtengo wobwereka. Mudzakhala ndiudindo pazinthu zatsopano, monga misonkho ya katundu, inshuwaransi ya eni nyumba, ndi zonse zokonzera nyumba yomwe mwagula.
Ogula ena amafunikiranso kuwerengetsa ndalama zolipirira eni nyumba. Ngakhale wobwereketsa kapena wobwereketsa atakuwuzani kuti mutha kulipira, iyenera kukhala yomwe mumakhala omasuka nayo. Kupweteka kwamavuto azachuma kumatha kukhala kwakukulu, koma palibe amene amadandaula kuti amakhala ndi ndalama zambiri mwezi uliwonse.
Zamkatimu
- Veterans Affairs (VA) Ngongole
- Ngongole yochokera ku United States department of Agriculture (USDA)
- Ngongole ya Federal Housing Administration (FHA)
- Kodi mungapeze bwanji ndalama zothandizira?
- Kodi mukufuna ndalama kuti mutseke?
- Kodi ngongole yanyumba yopanda zero ndiyabwino liti?
- Kodi zero zogulira ngongole zisanafike poipa ndi lingaliro loipa?
- Kodi Mungapeze Bwanji Ngongole Yobweza Ngongole?