Kodi ndiyenera kupeza ndalama zingati kuti ndigule nyumba ku USA?

Kodi ndiyenera kupeza ndalama zingati kuti ndigule nyumba ku USA? Mukamagula nyumba, kungolipira ndalama zochepa sikungakhale kokwanira kuti muthe kubweza ngongole.

Kodi ndikufuna ngongole zingati kuti ndigule nyumba?

Obwereketsa amayembekezeranso kuti obwereketsa akhale ndi malipiro abwino a ngongole : a 90% ya ogula ya nyumba anali ndi mphambu wa osachepera 650 m'gawo loyamba la 2020, ndi ndalama zokwanira kutsimikizira kuti mudzatha kulipira ngongole yanyumba iliyonse. mwezi.

Ndalama zadziko zomwe zimayenerera kugula nyumba ndi $ 55,575 ndi 10% kupita patsogolo ndi $ 49,400 ndi patsogolo pa makumi awiri% , malinga ndi data kuchokera index kuchokera mitengo yayikulu yapakatikati yamatawuni komanso kuthekera kuchokera ku National Association of Realtors kotala lachinayi la 2020.

Zambiri zimakhala ndi chiwongola dzanja cha 3.67% pazaka 30 zokhala ndi ngongole yanyumba yokhazikika, ndipo wamkulu pamwezi ndi chiwongola dzanja chimangokhala 25% yazopeza za wokhalamo.

Komabe, kutengera komwe mumakhala, malipiro omwe mukufunikira kuti mukwaniritse ngongole yanyumba amasiyana kwambiri. Nazi ndalama zomwe muyenera kulipira kuti mudzipezere malo m'mizinda yayikulu 15 yaku US, kuyambira pamtengo wotsika kwambiri mpaka wapamwamba kwambiri.

Chiwerengero cha US

Tebulo la ndalama zogulira nyumba . Ndikufunika ndalama zingati kuti ndigule nyumba ku USA.

• Malipiro ofunikira ndi 10% yolipira: $ 55,575
• Malipiro amafunika ndi 20% yolipira: $ 49,400
• Mtengo Wapakatikati: $ 233,800

Tulsa, Oklahoma

• Malipiro ofunikira ndi 10% yolipira: $ 35,237
• Malipiro ofunikira ndi 20% yolipira: $ 31,322
• Mtengo Wapakatikati: $ 174,300

Detroit, Michigan

• Malipiro ofunikira ndi 10% yolipira: $ 39,361
• Malipiro ofunikira ndi 20% yolipira: $ 34,988
• Mtengo Wapakatikati: $ 194,700

New Orleans, Louisiana

• Malipiro ofunikira ndi 10% yolipira: $ 45,184
• Malipiro ofunikira ndi 20% yolipira: $ 40,163
• Mtengo Wapakatikati: $ 223,500

Atlanta, Georgia

• Malipiro amafunika ndi 10% yolipira: $ 46,902
• Malipiro ofunikira ndi 20% yolipira: $ 41,691
• Mtengo Wapakatikati: $ 232,000

Philadelphia, Pennsylvania

• Malipiro amafunika ndi 10% yolipira: $ 48,883
• Malipiro ofunikira ndi 20% yolipira: $ 43,452
• Mtengo Wapakatikati: $ 241,800

Chicago, Illinois

• Malipiro ofunikira ndi 10% yolipira: $ 51,491
• Malipiro ofunikira ndi 20% yolipira: $ 45,770
• Mtengo wapakatikati: $ 254,700

Dallas, Texas

• Malipiro ofunikira ndi 10% yolipira: $ 54,301
• Malipiro ofunikira ndi 20% yolipira: $ 48,268
• Mtengo Wapakatikati: $ 268,600

Nashville, Tennessee

• Malipiro ofunikira ndi 10% yolipira: $ 56,566
• Malipiro ofunikira ndi 20% yolipira: $ 50,281
• Mtengo Wapakatikati: $ 279,800

Phoenix, Arizona

• Malipiro ofunikira ndi 10% yolipira: $ 83,069
• Malipiro ofunikira ndi 20% yolipira: $ 73,839
• Mtengo wapakatikati: $ 295,400

Portland, Oregon

• Malipiro amafunika ndi 10% yolipira: $ 59,719
• Malipiro ofunikira ndi 20% yolipira: $ 53,084
• Mtengo Wapakatikati: $ 410,900

New York, New York

• Malipiro amafunika ndi 10% yolipira: $ 86,526
• Malipiro ofunikira ndi 20% yolipira: $ 76,912
• Mtengo Wapakatikati: $ 428,000

Denver, Colorado

• Malipiro ofunikira ndi 10% yolipira: $ 92,591
• Malipiro ofunikira ndi 20% yolipira: $ 82,303
• Mtengo Wapakatikati: $ 458,000

Boston, Massachusetts

• Malipiro ofunikira ndi 10% yolipira: $ 97,605
• Malipiro ofunikira ndi 20% yolipira: $ 86,760
• Mtengo Wapakatikati: $ 482,800

San francisco California

• Malipiro ofunikira ndi 10% yolipira: $ 200,143
• Malipiro ofunikira ndi 20% yolipira: $ 177,905
• Mtengo Wapakatikati: $ 990,000

San Jose, California

• Malipiro ofunikira ndi 10% yolipira: $ 251,897
• Malipiro ofunikira ndi 20% yolipira: $ 223,900
• Mtengo Wapakatikati: $ 1,246,000

Kodi ndingapeze ndalama zochuluka motani?

Kuti tiwerenge kuchuluka kwa nyumba zomwe mungakwanitse, timaganizira zinthu zina zazikulu, monga ndalama zapakhomo, ngongole zanu pamwezi (mwachitsanzo, ngongole zagalimoto ndi zolipira ngongole za ophunzira) ndi kuchuluka kwa ndalama zomwe zilipo pakulipirira. Monga wogula nyumba, mudzafunika kukhala ndi gawo linalake lomvetsetsa kuti mumvetsetse ndalama zomwe mumalipira mwezi uliwonse. kubweza ngongole .

Ngakhale ndalama zomwe mumapeza pakhomo panu komanso ngongole zanu mwezi ndi mwezi zitha kukhala zosasunthika, kuwonongera ndalama zosayembekezereka komanso ndalama zomwe simunakonzekere zingakhudze ndalama zanu.

Lamulo labwino la chindapusa ndikuti mukhale ndi miyezi itatu yolipira, kuphatikiza kulipira kwanu kunyumba ndi ngongole zina pamwezi. Izi zikuthandizani kuti muphimbe ngongole yanyumba yanu ngati zingachitike mwadzidzidzi.

Kodi kuchuluka kwa ngongole zomwe mumapeza kumakhudza bwanji kukwanitsa kwanu?

Metric yofunika yomwe banki yanu imagwiritsa ntchito kuwerengera kuchuluka kwa ndalama zomwe mungabwereke ndi Chiŵerengero cha DTI .

Kutengera kuchuluka kwanu kwa ngongole, mutha kukhala oyenerera, koma kwakukulu, ndalama zomwe mumagwiritsa ntchito nyumba zanu zisapitirire 28% yazomwe mumapeza mwezi uliwonse.

Mwachitsanzo, ngati kulipira kwanu pamwezi, ndi misonkho ndi inshuwaransi, ndi $ 1,260 pamwezi ndipo mumalandira $ 4,500 pamwezi msonkho usanachitike, DTI yanu ndi 28%. (1260/4500 = 0.28)

Muthanso kusintha njira kuti mupeze momwe bajeti yanu iyenera kukhalira pochulukitsa ndalama zanu ndi 0,28. Pachitsanzo pamwambapa, izi zitha kulola kubweza ngongole ya $ 1,260 kuti akwaniritse 28% DTI. (4500 X 0.28 = 1,260)

Ndimalipira Ndalama Zingati Panyumba Ndili Ngongole ya FHA?

Kuwerengetsa kuchuluka kwa nyumba zomwe mungakwanitse, talingalira kuti osachepera 20% yolipira, mutha kulandira ngongole wamba . Komabe, ngati mukuganiza zolipira zochepa, mpaka 3.5% yocheperako, mutha kufunsa FHA ngongole .

Ngongole zothandizidwa ndi FHA Alinso ndi miyezo yosavuta yomata, zomwe muyenera kukumbukira ngati mulibe ngongole zochepa.

Ngongole wamba zimatha kubwera ndi zolipira zochepa ngati 3%, ngakhale kuyenerera kuli kovuta kwambiri kuposa ngongole za FHA.

Kodi ndingapeze ndalama zingati kunyumba ndi ngongole ya VA?

Ndikulumikizana ndi asitikali, mutha ayenerere ngongole ya VA . Limenelo ndi vuto lalikulu, chifukwa ngongole zanyumba zothandizidwa ndi Department of Veterans Affairs nthawi zambiri sizimafuna kulipiridwa. NerdWallet Home Affordability Calculator imagwiritsa ntchito mwayi waukulu powerengera zinthu zomwe mumakonda kuchita.

Lamulo la 28% / 36%: Zomwe Zili Ndi Chifukwa Chake Zofunika

Kuti muwerenge kuchuluka kwa nyumba zomwe ndingakwanitse, lamulo labwino ndi kugwiritsa ntchito lamulo la 28% / 36%, lomwe limanena kuti musagwiritse ntchito ndalama zopitilira 28% za ndalama zanu pamwezi pazinthu zokhudzana ndi nyumba ndi 36% pa ngongole zonse., kuphatikiza ngongole yanyumba yanu, makhadi angongole, ndi ngongole zina, monga ngongole zamagalimoto ndiophunzira.

Mwachitsanzo: Ngati mumapanga $ 5,500 pamwezi ndipo muli ndi $ 500 pamalipiro omwe alipo, ndalama zanu zanyumba yanyumba yanu zisadutse $ 1,480.

Lamulo la 28% / 36% ndiloyambira pomwe anthu amatha kugula nyumba, komabe mungafune kuganizira momwe ndalama zanu zilili mukamaganizira kuchuluka kwa nyumba zomwe mungakwanitse.

Kodi ndi zinthu ziti zomwe zimathandiza kudziwa kuchuluka kwa nyumba yomwe ndingakwanitse?

Mfundo zazikulu pakuwerengera kukwanitsa ndi 1) ndalama zanu pamwezi; 2) ndalama zosungitsira ndalama zolipira ndikutseka; 3) ndalama zanu pamwezi; 4) mbiri yanu yangongole.

• Ndalama: ndalama zomwe mumalandira pafupipafupi, monga malipiro anu kapena ndalama zomwe mumapeza. Chuma chanu chimathandizira kukhazikitsa maziko pazomwe mungakwanitse mwezi uliwonse.
• Zosungira ndalama: Izi ndiye kuchuluka kwa ndalama zomwe muli nazo kuti mulipire zolipira ndikulipira mitengo yotseka. Mutha kugwiritsa ntchito ndalama zanu, ndalama zanu, kapena zina.
• Ngongole ndi zolipira: zokakamiza pamwezi zomwe mungakhale nazo monga makhadi a kirediti kadi, zolipirira galimoto, ngongole zaophunzira, kugula, zothandiza, inshuwaransi, ndi zina zambiri.
• Mbiri yanu: Chiwongola dzanja chanu komanso kuchuluka kwa ngongole zomwe muli nazo zimakhudza momwe wobwereketsayo amakuwonerani ngati wobwereka. Izi zidzakuthandizani kudziwa kuchuluka kwa ndalama zomwe mungabwereke komanso chiwongola dzanja chobwereketsa.

Kugula nyumba kumayambira ndi chiwongola dzanja chanu

Mutha kuzindikira kuti kuwerengera kulikonse kwakunyumba kukuphatikizanso kuyerekezera chiwongola dzanja chambiri chomwe mungalipire. Obwereketsa adzawona ngati mukuyenera kulandira ngongole kutengera izi:

1. Kuchuluka kwa ngongole zomwe mumapeza, monga tafotokozera kale.
2. Mbiri yanu yolipira ngongole panthawi.
3. Umboni wopeza ndalama zonse.
4. Kuchuluka kwa zolipira zomwe mwasunga, komanso chithandiziro chazachuma chotseka ndalama ndi zina zomwe mungapeze mukasamukira kunyumba yatsopano.

Ngati obwereketsa akuwona kuti mukuyenera kubweza ngongole, ndiye kuti azikongoletsani ngongole yanu. Izi zikutanthauza kudziwa kuchuluka kwa chiwongola dzanja chomwe mudzalipire. Kuchuluka kwa ngongole yanu kumatsimikizira kuchuluka kwa ngongole yanyumba yomwe mungapeze.

Mwachilengedwe, kutsitsa chiwongola dzanja chanu, kumachepetsa malipiro anu pamwezi.

Zamkatimu

• Kodi ndikufuna ngongole zingati kuti ndigule nyumba?
• Chiwerengero cha US
• Tulsa, Oklahoma
• Detroit, Michigan
• New Orleans, Louisiana
• Atlanta, Georgia
• Philadelphia, Pennsylvania
• Chicago, Illinois
• Dallas, Texas
• Nashville, Tennessee
• Phoenix, Arizona
• Portland, Oregon
• New York, New York
• Denver, Colorado
• Boston, Massachusetts
• San francisco California
• San Jose, California
• Kodi ndingapeze ndalama zochuluka motani?
• Kodi kuchuluka kwa ngongole zomwe mumapeza kumakhudza bwanji kukwanitsa kwanu?
• Ndimalipira Ndalama Zingati Panyumba Ndili Ngongole ya FHA?
• Kodi ndingapeze ndalama zingati kunyumba ndi ngongole ya VA?
• Lamulo la 28% / 36%: Zomwe Zili Ndi Chifukwa Chake Zofunika
• Kodi ndi zinthu ziti zomwe zimathandiza kudziwa kuchuluka kwa nyumba yomwe ndingakwanitse?
• Kugula nyumba kumayambira ndi chiwongola dzanja chanu

• Zofunikira kugula nyumba ku California
• Zimawononga ndalama zingati kuopa mawere ku USA?
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• Kodi ndikufuna ngongole zingati kuti ndigule nyumba?
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