Zofunikira kugula nyumba ku California

Zofunikira kugula nyumba ku California. Mukukonzekera kugula nyumba yanu yoyamba ku California? Njira yopita ku nyumba ikhoza kukhala ulendo wosangalatsa, koma itha kukhalanso yotopetsa. Mwamwayi, pali mapulogalamu ndi maupangiri ambiri opangidwa kuti athandizire. Tidzakudutsitsani mwa ena mwa iwo.

Mapulogalamu Ogula Panyumba Ku California Nthawi Yoyamba

Mutha kuganiza kuti chifukwa mumakhala ku Golden State, muyenera kupulumutsa makumi masauzande kuti mulipire ndalama zochepa ndikukhala ndi ngongole yangwiro kuti mukwaniritse ngongole yanyumba.

Mwamwayi, sizikhala choncho nthawi zonse. Mapulogalamu awa aku California Housing Finance Agency omwe amapangidwa koyamba kuti agulitse nyumba adapangidwa kuti akuthandizireni kugula nyumba, mosasamala kanthu zachuma kapena ngongole yanu.

1. Dongosolo La Ngongole Yokhazikika ya CalHFA

Kwa omwe ali Ogula omwe ali ndi ndalama zochepa zolipira.

Dongosolo La Ngongole Yobwereketsa ya CalHFA lakonzedwa kuti lithandizire ogula nyumba ku California koyamba kupeza ngongole zanthawi yochepa. Ngongole wamba ndi ngongole yanyumba yanyumba yomwe imaperekedwa kudzera m'mabanki ndi mabungwe azama ngongole.

Ngongole wamba ya CalHFA ndi ngongole yazaka 30, zomwe zikutanthauza kuti obwereketsa azilipira ngongole kwazaka 30 zonse. Obwereketsa ndalama zochepa atha kulandira chiwongola dzanja chotsikirapo-msika ngati agwiritsa ntchito CalHFA kupeza ngongole yanyumba wamba.

CalHFA ikuthandizani pezani wobwereketsa woyenerera kukonza mtundu uwu wa ngongole.

Zofunikira ndi monga:

• Chiwerengero chochepa cha ngongole za 660. Olembera omwe amalandila ndalama zochepa atha kulandira ngongolezi pongotsika ndi 660. Kuti muwoneke kuti ndi ochepa, muyenera kukhala ndi ndalama zochepera kapena 80% za Ndalama Zapakati pa Fannie Mae kwanuko. Ngati mumalandira zambiri kuposa izi, mufunika mwayi wopeza ngongole zosachepera 680 .
• 43% kapena kuchepa kwa chiwongola dzanja. Izi zikutanthawuza kuchuluka kwa ndalama zomwe mumalipira ngongole kapena ngongole yogawidwa ndi zomwe mumalandira musanakhome misonkho mwezi uliwonse. Tinene kuti ngongole yanu ndi $ 2,000 pamwezi ndipo mumalandira $ 6,000 pamwezi. Kuwerengera kwanu kwa DTI kungakhale $ 2,000 / $ 6,000 = .33, kapena 33%.
• Chuma sichitha kupitirira malire a California ndi County. Onani malire anu kuonetsetsa kuti ndalama zanu sizipitilira izi.
• Nthawi yoyamba wogula nyumba. Simungakhale woyenera ngati ichi sichiri ngongole yanu yoyamba.
• Kumaliza maphunziro a ogula nyumba. Mutha kupeza maphunziro ophunzitsidwa bwino mu Tsamba la CalHFA .

Muyeneranso kukwaniritsa zofunikira za wobwereketsayo. Ngongole zapanyumba za CalHFA zimakhala ndi zolipiritsa zochepa kuposa 3% yamtengo wanyumba yanu. Tiyerekeze kuti ngongole yanu yanyumba ndi $ 200,000, mwachitsanzo. Mukungoyenera kulipira $ 6,000.

Ngongole zanyumba pulogalamuyi nthawi zambiri zimakhala pansi pamsika, koma ndizokwera kwambiri kuposa mitengo yamapulogalamu abweza ngongole kunyumba.

2. Ndondomeko Ya Ngongole Yokhazikika ya CalPLUS

Kwa omwe ali Ogula omwe amafunikira thandizo kuti apeze ndalama zotseka.

Ngongole Zachikhalidwe za CalPLUS zimabwera ndi ziwonetsero zonse za CalHFA Conventional Program ndi phindu lina loti mutha kulipira ndalama zomwe mumatseka ndi ngongole yopanda chiwongola dzanja.

Kodi ichi chimagwira ntchito bwanji? Ngongole za CalPLUS zimaperekedwa limodzi ndi CalHFA's Zero Interest Program (ZIP). Obwereka amatha kulipira ndalama zawo zotsekera pogwiritsa ntchito ZIP, zomwe zimawapatsa ngongole yofanana ndi 2% kapena 3% ya ngongole yanyumba.

Ngongole iyi ya ZIP ili ndi chiwongola dzanja cha 0% ndipo zolipirira zimachedwa pantchito yanyumba yanu yonse. Izi zikutanthauza kuti simuyenera kulipira ngongole mpaka mutagulitsa, kukonzanso, kapena kubweza ngongole yanyumba.

Pofuna kuthandizidwa ndi kutseka ndalama, obwereketsa a CalPLUS amalipira chiwongola dzanja chokwera pang'ono kuposa ena omwe adabwereketsa ngongole za CalHFA.

Zofunikira ndi monga:

• Chiwongola dzanja chochepa cha 660 kwa omwe amalandila ndalama zochepa, osachepera 680 kwa iwo omwe sakwaniritsa zofunika ndalama zochepa.
• Chiwerengero cha DTI cha 43% kapena kuchepera.
• Ndalama sizingadutse malire aku California ndi County. Onani malire anu kuonetsetsa kuti ndalama zanu sizipitilira izi.
• Nthawi yoyamba wogula nyumba.
• Kumaliza maphunziro a ogula nyumba. Mutha kupeza maphunziro ophunzitsidwa bwino mu Tsamba la CalHFA .

Ngongole za CalPLUS zitha kugwiritsidwanso ntchito ndi pulogalamu ya CalHFA's MyHome yothandizira kulipira; Pitani pansi kuti muwone gawo lathu la MyHome.

3. Ndondomeko Ya Ngongole ya CalHFA FHA

Kwa omwe ali Ogula omwe akufuna mitengo yotsika yanyumba.

Dongosolo la ngongole la CalHFA FHA ndi ngongole yanyumba yoyamba kugula nyumba yomwe imathandizidwa ndi US Federal Housing Administration. Zotsatira zake, ngongole izi zimakhala ndi chiwongola dzanja chochepa kuposa ngongole wamba. Ngongole izi zimathandizanso kuti obwereka azisungitsa zochepa ngati 3.5%.

Ngongole ya CalHFA FHA ndi ngongole yazaka 30 ndipo imaperekedwa kudzera mwa obwereketsa ambiri aku California.

Zofunikira ndi monga:

• Kuchuluka kwa ngongole zochepa za 660.
• Chiwerengero cha DTI cha 43% kapena kuchepera.
• Ndalama sizingadutse malire aku California ndi County. Onani malire anu kuonetsetsa kuti ndalama zanu sizipitilira izi.
• Nthawi yoyamba wogula nyumba.
• Kumaliza maphunziro a ogula nyumba. Mutha kupeza maphunziro ophunzitsidwa bwino mu Tsamba la CalHFA .
• Zowonjezera Zowonjezera za FHA. FHA ili ndi zofunikira pazachuma ndi katundu zomwe muyenera kukwaniritsa kuti mukhale oyenerera.

4. Ndondomeko ya ngongole ya CalPLUS FHA

Kwa omwe ali Okhoma FHA omwe amafunikira thandizo kuti apeze ndalama zotsekera.

Ngongole za CalPLUS FHA zimaphatikizanso zofanana ndi ngongole ya CalHFA FHA, koma ndi phindu lina loti mutha kugwiritsa ntchito ZIP kukuthandizani kulipira ndalama zomwe mumatseka, monga ngongole zanyumba za CalPLUS.

Kumbukirani kuti ngongole za ZIP zimaperekedwa pa 2% kapena 3% ya ngongole yonse ndipo mumakhala ndi chiwongola dzanja cha 0% pamalipiro obwezedwa pa moyo wa ngongole yanu yanyumba.

Komabe, mudzakhala ndi chiwongola dzanja chokwera pang'ono ndi ngongole izi.

Zip zitha kuphatikizidwa ndi pulogalamu ya MyHome pa ngongolezi, kotero obwerekanso amathanso kuthandizidwa ndi zolipira.

Zofunikira ndi monga:

• Kuchuluka kwa ngongole zochepa za 660.
• Chiwerengero cha DTI cha 43% kapena kuchepera.
• Ndalama sizingadutse malire aku California ndi County. Fufuzani malire a zake kata kuonetsetsa kuti ndalama zanu sizipitilira izi.
• Nthawi yoyamba wogula nyumba.
• Kumaliza maphunziro a ogula nyumba. Mutha kupeza maphunziro ophunzitsidwa bwino mu Tsamba la CalHFA .
• Zowonjezera Zowonjezera za FHA. FHA ili ndi zofunikira pazachuma ndi katundu zomwe muyenera kukwaniritsa kuti mukhale oyenerera.

5. Ndondomeko Ya Ngongole ya CalHFA VA

Kwa omwe ali Omenyera nkhondo aku California, asitikali apano, kapena okwatirana omwe akuyenera kukhalapo.

Ngongole ya CalHFA VA idapangidwa kuti izithandiza asitikali apano kapena omwe kale anali asirikali kuti azilandila ndalama kunyumba kwawo. Ngongole yanyumbayi imathandizidwa ndi Dipatimenti ya Veterans Affairs ndipo imakhala ndi mitengo yotsika mtengo kuposa yamsika, sikufuna kubweza, ndipo ndi ngongole yokhazikika yazaka 30.

Zofunikira ndi monga:

• Msirikali wakale kapena wogwira ntchito yankhondo pano, kapena wokwatirana naye woyenera. Mutha kudziwa zambiri zakuyenerera patsamba la VA .
• Kuchuluka kwa ngongole zochepa za 660.
• Chiwongola dzanja cha 43% kapena kuchepera.
• Ndalama sizingadutse malire aku California ndi County. Onani malire anu kuonetsetsa kuti ndalama zanu sizipitilira izi.
• Kumaliza maphunziro a ogula nyumba. Mutha kupeza maphunziro ophunzitsidwa bwino mu Tsamba la CalHFA .
• Komiti yachuma. Ambiri obwereketsa ngongole a VA amayenera kulipira ndalama, zomwe ndi zochepa pangongole. Komabe, mutha kugwiritsa ntchito pulogalamu ya MyHome kuthandiza kulipira ndalamazi ndi zina zotseka.

CalHFA ingakuthandizeni kupeza wobwereketsa wabwino kwambiri a VA ngongole .

6. Ndondomeko Ya Ngongole ya CalHFA USDA

Kwa omwe ali Ogula akugula nyumba kumidzi yakumidzi.

Dongosolo la ngongole la CalHFA USDA ndilabwino kwa aliyense wogula nyumba koyamba akufuna kugula nyumba kunja kwa mizinda ikuluikulu ku California. Ngongole yanyumbayi imayendetsedwa kudzera mu department ya Agriculture ku US ndipo ili ndi maubwino ambiri, kuphatikiza njira zopezera ndalama 100% (osalipira chilichonse). Ngongole ya CalHFA USDA ndi ngongole yokhazikika yazaka 30.

Zofunikira ndi monga:

• Katundu akumidzi. Funsani ndi Khalifa kuti muwone ngati malo omwe mukufuna kugula akuyenerera.
• Kuchuluka kwa ngongole zochepa za 660.
• Chiwongola dzanja cha 43% kapena kuchepera.
• Ndalama sizingadutse malire a USDA ndi County. Malire a USDA Amasiyana ndi aku California, chifukwa chake ndikofunikira kuwonetsetsa kuti mumalandira ndalama zochepa kuposa zomwe zimaperekedwa kudera lanu.
• Kumaliza maphunziro a ogula nyumba. Mutha kupeza maphunziro ophunzitsidwa bwino mu Tsamba la CalHFA .
• Zowonjezera Zowonjezera za USDA. Ngongole ya USDA ili ndi zofunikira zake zopeza ndalama ndi katundu yemwe muyenera kukwaniritsa kuti mukhale woyenera.

7. Mapulogalamu a CalHFA Down Payment Programs

Kwa omwe ali Ogula omwe amafunikira thandizo kuti apeze ndalama zolipira.

Mapulogalamu othandizira a CalHFA amakuthandizani kuti muzilipira ndalama mukadzatseka. Ngongolezi zitha kuphatikizidwa ndi mapulogalamu ena a CalHFA bola mukakwaniritsa zofunikira zandalama. Pulogalamu yayikulu yomwe imapereka chithandizo chothandizira ndi pulogalamu ya MyHome Assistance, yomwe imaphatikizapo malamulo apadera kwa ogwira ntchito kusukulu ndi ozimitsa moto komanso omwe amabwereka ngongole ku VA.

Pulogalamu yothandizira ya MyHome

Pulogalamuyi imabwera ngati ngongole yomwe imapereka ndalama zochepa: $ 10,000 kapena 3% yamalipiro anu apanyumba potseka ngongole zambiri, kupatula ngongole za FHA zomwe zimalola 3.5%. Ngongole iyi itha kugwiritsidwa ntchito kukuthandizani pakulipira kapena kutseka ndalama.

Ngongole za MyHome ndi ngongole zochotsedwa, chifukwa chake palibe cholipira chilichonse mpaka mutalipira ngongoleyo kapena kugulitsa kapena kukonzanso nyumbayo. Komabe, mosiyana ndi ZIP, ngongole za MyHome zimalipira chiwongola dzanja, chomwe chidzakongoletsedwe kuwonjezera pa wamkulu pomwe ngongoleyo yachitika.

Kuti muyenerere pulogalamuyi, muyenera kukhala ogula koyamba kunyumba ndikukwaniritsa malangizo amomwe mungapezere ndalama.

MyHome for Ogwira Ntchito Kusukulu, Ogwira Ntchito M'moto, ndi VA Obwereketsa Ngongole

Malamulo apaderaderawa ndi omwe amagula nyumba koyamba omwe ndi: Aphunzitsi aku California kapena ogwira ntchito pasukulu ya K - 12 kapena ozimitsa moto kapena ena ogwira ntchito ku dipatimenti yozimitsa moto. Ngongoleyi imapereka 3% yamtengo wanyumbayo ngati ngongole yobwereketsa yosavuta. Palibe malire a $ 10,000.

Obwereketsa ngongole za VA, mosasamala kanthu komwe akugwira ntchito, nawonso samasulidwa pamalire a $ 10,000.

Mapulogalamu Amtundu Wonse Ogula Koyamba Kunyumba

Ngakhale mapulogalamu ambiri ogula kunyumba ndi mabungwe amaperekedwa kuboma kapena mdera lanu, pali zopereka zambiri zandalama mdziko lonse zomwe zimawonetsa zopereka za CalHFA.

Zosankha zina zopezeka mdziko lonse zomwe zingakhale zabwino kwa ogula koyamba ndizo:

• Fannie Mae ndi Freddie Mac 3% pazosankha zolipira. Onse a Fannie ndi Freddie amapereka zosankha zingapo kwa ogula omwe akufuna kubweza ngongole ndi 3% yolipira. Pulogalamu iliyonse ili ndi zofunikira zosiyanasiyana pamalire a ndalama komanso ngati mukufunika kukhala ogula koyamba kunyumba kapena ayi.
• FHA ngongole. Ngongole zamtunduwu ndizabwino kwa oyamba kumene chifukwa zimalola ngongole zochepa komanso ndalama zochepa. M'malo mwake, ndizotheka kutenga ngongole yolipira ndi 3.5% yolipira ndi 580. Ngati muli ndi ndalama zochulukirapo, mutha kuvomerezedwa ndi mphambu yotsika kuposa 580.
• USDA ngongole. Ngongole izi zimalola obwereketsa m'malo oyenerera kuti atenge ngongole popanda kulipira. Nthawi zambiri amafunika kuchuluka kwa ngongole zosachepera 640, ngakhale ndizotheka kutsitsa.
• VA ngongole. Ngati ndinu wachikulire woyenera kapena wogwira ntchito mwakhama, ngongole ya VA ya 0% yolipira ndi njira ina yotsika mtengo yogulira nyumba.

Mapulogalamu ena mdziko lonse ogula nyumba omwe angathandize ogula koyamba ndi awa:

• Woyandikana naye wabwino. Pulogalamuyi imaperekedwa ndi department of Housing and Development Development ndikulola aphunzitsi, apolisi, ozimitsa moto, ndi ma EMTs kuti agule nyumba zosankhidwa ndi a HUD m'malo oyenera kuchotsera 50%.
• Dongosolo Logula la HomePath. Pulogalamuyi, yoperekedwa ndi Fannie Mae, imalola ogula kugula malo omwe a Fannie Mae alandidwa ndalama zochepa ngati 3% zolipirira, kuthekera kolandila mpaka 3% yamitengo yakunyumba mothandizidwa ndi mtengo. Kutseka.

Zofunikira 5 pakugula nyumba ku California

Kodi ndizofunikira ziti kuti mugule nyumba ku California? Kodi ndiyenera chiyani kuti ndikwaniritse ngongole yanyumba? Awa ndi awiri mwa mafunso odziwika kwambiri pakati pa ogula nyumba ku Golden State, ndipo mupeza mayankho a onse pansipa.

Zikafika pazofunikira zogulira nyumba, pamakhala kusiyana kwakukulu pakati pa ogula ndalama ndi omwe amagwiritsa ntchito ngongole yanyumba.

• Anthu omwe amalipira ndalama panyumba safuna kubweza ngongole yanyumba, chifukwa chake zambiri zomwe zili pansipa sizikugwira ntchito kwa iwo.
• Koma fayilo ya kwambiri Ogula ku California chitani Gwiritsani ntchito ngongole zanyumba pogula nyumba. Chifukwa chake lero tikambirana nawo omvera.

Ndikumva mawu awa, Nazi zina mwazofunikira zofunika kugula nyumba ku California:

1. Zosungidwa polipira ndalama zochepa.

Nthawi zambiri (koma osati nthawi zonse) kulipira ngongole kumafunikira mukamagula nyumba ku California. Amatha kuyambira 3% mpaka 20% yamtengo wogula, kutengera mtundu wa ngongole yomwe agwiritsa ntchito ndi zina. Asitikali ankhondo komanso omenyera nkhondo nthawi zambiri amatha kulandira ngongole zanyumba za VA, zomwe zimapereka ndalama 100%. Pulogalamu ya ngongole ya FHA, yomwe imakonda kwambiri ogula koyamba ku California, imalola obwereketsa kuti alipire 3.5%.

Ngakhale zolipiritsa ndizofunikira kugula nyumba ku California, ndalama siziyenera kutuluka mthumba lanu. Masiku ano, mapulogalamu ambiri obwereketsa amalola kugwiritsa ntchito mphatso zolipira. Apa ndipamene mnzanu, wachibale, wolemba anzawo ntchito, kapena wopereka chithandizo wina wovomerezeka amakupatsani ndalama kuti mupeze zina mwa zomwe munapanga poyamba.

2. Khalani ndi mbiri yabwino.

Zambiri za ngongole ndichinthu china chofunikira mukamagula nyumba ku California. Mwinamwake mwamvapo za kufunikira kwa ngongole yabwino pakubwera ngongole. Obwereketsa omwe amakhala ndi ngongole zambiri amakhala ndi nthawi yosavuta yokwanira kubweza ngongole ndipo amalandiranso chiwongola dzanja chabwino.

Palibe malo amodzi omwe amagwiritsidwa ntchito ndi mabanki ndi makampani obweza ngongole. Zimasiyanasiyana wina ndi mnzake. Izi zati, obwereketsa ambiri masiku ano amakonda kuwona mphambu za 600 kapena kupitilira apo kuchokera kwa obwereketsa omwe akufuna ngongole yanyumba. Koma izi ndizomwe zimachitika, sizidayikidwa mwala.

Chachikulu ndichakuti kuchuluka kwambiri kumakulitsa mwayi wanu wogula nyumba ku California mukamagwiritsa ntchito ngongole yanyumba.

3. Kusamalira ngongole yanu.

Kuchuluka kwa ngongole zomwe muli nazo kumakhudzanso kuthekera kwanu kupeza ndalama zanyumba. Chifukwa chake, ndichinthu china chofunikira kugula nyumba ku California. Makamaka, ndicho chiŵerengero cha ngongole yanu yobwerezabwereza yonse ku ndalama zomwe mumapeza pamwezi chomwe chimafunikira.

Pazobwereketsa ngongole, izi zimadziwika kuti chiwongola dzanja cha ngongole. Chiwerengerochi chikuwonetsa kuchuluka kwa zomwe mumapeza pazolipira zanu pamwezi. Zimathandizira makampani obwereketsa ndalama kuonetsetsa kuti simukulowa ngongole zochulukirapo (ndikuwonjezera ngongole yanyumba).

Monga momwe zimakhalira ndi ngongole, uku ndi kufunikira kogula nyumba ku California komwe kumatha kusiyanasiyana kuchokera ku kampani yanyumba yina kupita ina. Momwemo, chiŵerengero chanu cha ngongole-ku-ndalama chiyenera kugwera pansi pa 43%. Koma si lamulo lovuta komanso lachangu. Zina zimaganiziridwanso.

4. Kulemba zikalata zanu zandalama.

Zolemba ndizofunikira wamba kugula nyumba ku California. Mukalembetsa ngongole yanyumba, mudzafunsidwa zikalata zosiyanasiyana. Wobwereketsa adzawagwiritsa ntchito kutsimikizira zomwe mumapeza ndi zomwe muli nazo, mbiri yanu yobwereketsa ngongole, ndi zina pazochitika zachuma chanu.

Zikalata zofunsidwa kwambiri zimaphatikizaponso ma banki aposachedwa, ma msonkho ndi mafomu a W-2 azaka ziwiri zapitazi, zolembera ndalama zolipirira, ndi zikalata zina zokhudzana ndi ndalama. Olemba okha ntchito angafunikire kupereka zikalata zina, monga phindu ndi kutayika (P&L).

5. Kuunika nyumba.

Ngati mukugwiritsa ntchito ngongole yanyumba kuti mugule nyumba ku California, malowa atha kuyesedwa asanapereke ndalama. Chifukwa chake, kuwerengera kunyumba ndichofunikira china chofunikira pogula nyumba.

Pogwira ntchitoyi, wowunikira kunyumba wophunzitsidwa ndi wololedwa amayendera nyumbayo ndikuyesa mkati ndi kunja. Wowonongera apereka kuyerekezera kwamalo ake pamsika wamalo ndi nyumba. Wobwereketsa akufuna kuwonetsetsa kuti ndalama zomwe amalipira pamalowo zikuwonetseranso msika weniweni.

Monga wogula kunyumba, palibe zambiri zoti muchite pakuwunika. Wobwereketsa ndiye azikonza ndipo wowerengera ndalama atumiza lipoti lake kwa wobwereketsayo. Ndi china chake choyenera kukumbukira.

Kuwunika kwakunyumba kumatsimikiziranso kufunikira kopanga mayankho anzeru kutengera momwe msika ulili pano. Ngati mupereka ndalama zomwe ndizoposa msika, malowo sangayimitsidwe pamtengo wogwirizana. Izi zitha kupanga njira yovomerezera kubweza ngongole.

Chifukwa chake muli nacho, zisanu zofunika kwambiri kugula nyumba ku California.

Chidule

California ili ndi mapulogalamu ambiri omwe angapezeke kwa ogula nyumba koyamba. Choyamba, fufuzani pa Tsamba la CalHFA kuti mudziwe pulogalamu yomwe mukufuna. Chotsatira, yambitsani kuvomereza chisanachitike ndikuphunzira zomwe mungasankhe. Pomaliza, gwirizanani ndi wogulitsa malo kuti mupeze maloto anu ku California.

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Zamkatimu

• Mapulogalamu Ogula Panyumba Ku California Nthawi Yoyamba
• 1. Dongosolo La Ngongole Yokhazikika ya CalHFA
• 2. Ndondomeko Ya Ngongole Yokhazikika ya CalPLUS
• 3. Ndondomeko Ya Ngongole ya CalHFA FHA
• 4. Ndondomeko ya ngongole ya CalPLUS FHA
• 5. Ndondomeko Ya Ngongole ya CalHFA VA
• 6. Ndondomeko Ya Ngongole ya CalHFA USDA
• 7. Mapulogalamu a CalHFA Down Payment Programs
• Pulogalamu yothandizira ya MyHome
• MyHome for Ogwira Ntchito Kusukulu, Ogwira Ntchito M'moto, ndi VA Obwereketsa Ngongole
• Mapulogalamu Amtundu Wonse Ogula Koyamba Kunyumba
• Zofunikira 5 pakugula nyumba ku California
• 1. Zosungidwa polipira ndalama zochepa.
• 2. Khalani ndi mbiri yabwino.
• 3. Kusamalira ngongole yanu.
• 4. Kulemba zikalata zanu zandalama.
• 5. Kuunika nyumba.
• Chidule

• Ndi Zolemba Zotani Zomwe Ndiyenera Kugula Nyumba Mu ...
• Zofunikira Kuti Mugule Nyumba Yoyenda ku United States
• Kodi ndiyenera kupeza ndalama zingati kuti ndigule nyumba ku USA?
• Chitsanzo chopangira kauntala yogula kunyumba
• FHA Ngongole Kwa Ogula Nthawi Yoyamba
• Kodi ndikufuna ngongole zingati kuti ndigule nyumba?