Kodi ndikufuna ngongole zingati kuti ndigule nyumba?

Pulogalamu ya kuchuluka kwa ngongole zambiri zimayambira 300 ndi 850 , ndipo obwereketsa pamtunda wina akhoza kulandira ngongole zanyumba. Ngakhale simukusowa mphotho yangwiro ya 850 kuti mupeze ngongole yabwino kwambiri yanyumba, pali zofunika zambiri pazandalama zomwe muyenera kukwaniritsa kuti mutenge ngongole yanyumba.

• Ndalama zochepa zomwe mungafunikire kugula nyumba zimasiyana kutengera wobwereketsa komanso mtundu wa ngongole.
• Paz ngongole zanthawi zonse, mufunika kukhala ndi mbiri yocheperako 620. Koma ndi ngongole za FHA, VA, kapena USDA, mutha kukwanitsa kupeza zochepa.
• Kuti muyenerere chiwongola dzanja chokwanira pangongole yanyumba, yesetsani kupeza ngongole zosachepera 760.

Ogula ogula nyumba akuyenera kukhala ndi ngongole zokwana 760 kapena kupitilira apo kuti athe kupeza chiwongola dzanja chokwanira.

Komabe, zofunikira zochepa pakukongoletsa ngongole zimasiyana kutengera mtundu wa ngongole yomwe mumalandira komanso omwe amakutsimikizirani. Kuchokera pamndandanda wathu pansipa, ngongole wamba komanso jumbo sizoperekedwa ndi boma ndipo nthawi zambiri zimakhala ndi ziwongola dzanja zambiri poyerekeza ndi ngongole zothandizidwa ndi boma, monga ngongole za VA.

Kukhala ndi chiwongola dzanja chachikulu kumapangitsa kusiyana kwakukulu pamalipiro omwe mumalipira mukabweza ngongole. Obwereka omwe ali ndi zochuluka kwambiri angathe sungani madola masauzande mu chiwongola dzanja cha moyo wonse wanyumba.

Kodi ndikufuna ngongole zingati kuti ndigule nyumba?

Izi ndizofunikira pakulandila ngongole pangongole zosiyanasiyana zapanyumba, pogwiritsa ntchito kuyerekezera kwa FICO.

1. Ngongole wamba

Kuchuluka kwa ngongole zochepa kumafunikira: 620

Ngongole zanyumba wamba sizopatsidwa inshuwaransi ndi bungwe la boma, monga US Department of Veterans Affairs kapena US Department of Agriculture. Ngongole zanyimbo zitha kutsimikiziridwa ndi imodzi mwazi kampani kapena wobwereketsa payekha. Ngongolezi ndizotsika mtengo ndipo zimafuna ngongole zochepa za 620. Ndalama zolipirira zimasiyanasiyana.

Ngongole zanthawi zonse zimagawika pakakhala ngongole zosasinthika malinga ndi momwe amakwaniritsira kapena kutsatira malamulo a ngongole omwe a Fannie Mae ndi Freddie Mac. Ngongole zofananira zimatsata miyezo yomwe mabungwewa amapereka, monga ngongole zambiri, pomwe sizikugwirizana ndi ngongole Zitha kupitilira malirewo ndipo zimawerengedwa ngati ngongole za jumbo, zomwe timakambirana zofunikira pazokongoletsa zotsatirazi.

2. Ngongole Ya Jumbo

Kuchuluka kwa ngongole zochepa kumafunikira: 680

Ngongole yayikulu imaposa malire okwanira obwerekedwa ndi Federal Housing Finance Agency. Ngongole izi sizoyenera kutetezedwa ndi a Fannie Mae kapena a Freddie Mac, zomwe zikutanthauza kuti obwereketsa amakhala pachiwopsezo chachikulu ngati simulipira. Chifukwa cha ngongole zochulukirapo komanso kuwopsa kwa ngongolezi, obwereketsa amayenera kukwaniritsa ziwongola dzanja zosachepera 680. Monga ngongole zofananira, zolipirira zochepa zimasiyana.

3. FHA ngongole

Kuchuluka kwa ngongole zochepa kumafunikira: 500 (ndi 10% pasadakhale) kapena 580 (ndi 3.5% patsogolo)

Ngongole ya FHA imakhala ndi inshuwaransi ndi Federal Housing Administration ndipo ndi njira kwa obwereka omwe amaonedwa kuti ndiwowopsa chifukwa chochepa ngongole ndi ndalama zochepa zolipira. Zofunikira pakulipira ngongole zimasiyana kutengera kuchuluka kwa ndalama zomwe mukufuna kukasungitsa. Obwereka omwe amakhala ndi ngongole zambiri amatha kulandira ndalama zochepa.

Nayi kuwonongeka:

• Ma 500 ochepa, amafuna 10% yolipira
• Kuchepetsa ngongole zochepa za 580, kumafuna kulipira kwa 3.5%

Kumbukirani kuti ngati mutapereka ndalama zosakwana 20%, obwereketsa angakufunseni kuti mugule Inshuwaransi Yanyumba Yanyumba (PMI) kuti muthe kubweza ndalamazo mukalephera kubweza. PMI imatha kutenga ndalama kuchokera ku 0,5% mpaka kupitirira 2% ya ngongole yanu pachaka, kutengera Wodziwa bwino .

4. VA ngongole

Kuchuluka kwa ngongole zochepa kumafunikira: Palibe ovomerezeka, ngakhale ambiri obwereketsa amakonda 620

Ngongole ya VA (Veterans Affairs) imakhala ndi inshuwaransi ndi dipatimenti ya US ya Veterans Affairs ndipo idapangidwa kuti izikhala mamembala oyenera ankhondo ndi akazi awo. Ngongole zamtunduwu sizimafuna kulipira. Ndipo ngakhale VA siyiyika zofunika pakulipira ngongole, obwereketsa ambiri amafunikira ngongole zochepa za 620.

5. USDA ngongole

Kuchuluka kwa ngongole zochepa kumafunikira: Palibe ovomerezeka, ngakhale ambiri obwereketsa amakonda 640

Ngongole ya USDA imakhala ndi inshuwaransi ndi dipatimenti ya zaulimi ku US ndipo imapangidwira ogula nyumba zochepa. Mofananamo ndi ngongole ya VA, USDA sikutanthauza kulipira ngongole ndipo siyakhazikitsa ndalama zochepa zolipirira ngongole. Komabe, obwereketsa ambiri amafunika kuti obwereketsa azikhala ndi ngongole za 640 kapena kupitilira apo.

Kodi ngongole yabwino yogula nyumba ndi iti?

Pakadali pano tangokambirana za ndalama zochepa zomwe wobwereketsa angalingalire. Koma ndi ngongole yanji yomwe ingakupatseni mwayi wopeza mitengo yabwino kwambiri? FICO imagawaniza kuchuluka kwanu kwa ngongole m'magawo asanu:

Kuyesera kuti mupeze ngongole yanu yangongole (670 mpaka 739) chitha kukhala chiyambi chabwino kuti muyenerere kubweza ngongole. Koma ngati mukufuna kuti mulandire mitengo yotsika kwambiri, yesetsani kuti mupeze mphotho yanu mkati mwa Zabwino Kwambiri (740 mpaka 799).

Ndikofunika kudziwa kuti ngongole yanu yobweza sizinthu zokhazokha zomwe obwereketsa amaganiza panthawi yolemba. Ngakhale mutakhala ndi chiwongola dzanja chachikulu, kusowa kwa ndalama kapena mbiri yakugwira ntchito, kapena kuchuluka kwa ngongole zambiri kumatha kubwereketsa kubweza ngongole.

Momwe Zambiri Zangongole Zimakhudzira Mitengo Yangongole Yanyumba

Ngongole yanu itha kukhala ndi gawo lalikulu pamitengo yonse ya ngongole yanu. Tsiku lililonse, FICO imasindikiza deta kuwonetsa momwe ngongole yanu ingakhudzire chiwongola dzanja chanu ndi kulipira. Pansipa pali chithunzithunzi cha mtengo wamwezi wa $ 200,000 wazaka 30 wazaka zanyumba mu Januware 2021:

Ndiko kusiyanasiyana kwa chiwongola dzanja chopitilira 1.5% komanso kusiyana kwa $ 172 pamalipiro amwezi kuchokera ku 620 mpaka 639 mphotho mpaka 760+.

Kusiyanaku kumatha kuwonjezera pakapita nthawi. Malinga ndi Consumer Financial Protection Bureau (CFPB) , nyumba $ 200,000 yokhala ndi chiwongola dzanja cha 4.00% imawononga $ 61,670 zowonjezerapo kwa zaka 30 kuposa ngongole yanyumba yokhala ndi chiwongola dzanja cha 2.25%.

Momwe mungakulitsire ngongole yanu ya ngongole musanagule nyumba

Gawo loyamba pakukweza magoli anu ndikulingalira komwe mwaima. Mutha kuwona lipoti lanu la ngongole kwaulere kamodzi pa miyezi 12 iliyonse ndi maofesi atatu akuluakulu a ngongole (TransUnion, Equifax, ndi Experian) ku ChakaMangaNo.com .

Mukapeza zolakwika mu malipoti anu aliwonse, mutha kutsutsana nawo ku ofesi ya ngongole, komanso ndi wobwereketsa kapena kampani yama kirediti kadi. Zikafika pakulipira kwanu ngongole, banki yanu kapena omwe amakupatsani ma kirediti kadi akhoza kukupatsani mphotho yaulere. Kupanda kutero, mutha kugwiritsanso ntchito chida chowunika chowerengera kwaulere ngati Credit Karma kapena Mawu Sesame .

Kodi mungatani mutapeza kuti mphambu yanu ikusowa chikondi? Lingaliro limodzi lingakhale kulipira ngongole yanu ya kirediti kadi kuti muchepetse kuchuluka kwa momwe mungagwiritsire ntchito ngongole. Komanso, pewani kufunsira mitundu yatsopano yobwereketsa m'miyezi ikubwerayi kuti mudzalandire ngongole yanyumba.

Ndipo, koposa zonse, perekani ngongole zanu munthawi mwezi uliwonse. Mbiri yakulipira kwanu ndiye chinthu chachikulu kwambiri pamanambala anu angongole. Kupanga mbiri yosasinthasintha ya zolipira munthawi yake kudzakhala njira yotsimikizika yosinthira kuchuluka kwanu.

Zamkatimu

• Kodi ndikufuna ngongole zingati kuti ndigule nyumba?
• 1. Ngongole wamba
• 2. Ngongole Ya Jumbo
• 3. FHA ngongole
• 4. VA ngongole
• 5. USDA ngongole
• Kodi ngongole yabwino yogula nyumba ndi iti?
• Momwe Zambiri Zangongole Zimakhudzira Mitengo Yangongole Yanyumba
• Momwe mungakulitsire ngongole yanu ya ngongole musanagule nyumba

• Zofunikira Kuti Mugule Nyumba Yoyenda ku United States
• Momwe mungagulire magawo a Coca Cola
• Momwe mungalipire Khadi la Ngongole Mwachangu
• Kodi mungapeze bwanji ndalama kuchokera ku kirediti kadi?
• Kodi mungagule bwanji nyumba popanda kulipira?
• Kodi Ndingagule Bwanji Nyumba Ngati Ndilibe Chitetezo cha Anthu?