Zofunikira Kuti Mugule Nyumba Yoyenda ku United States

Requisitos Para Comprar Una Casa M Vil En Estados Unidos





zofunikira kugula nyumba yam'manja

Zofunikira kugula nyumba yoyendera. Pali zabwino zambiri pogula nyumba yoyenda nayo. Pulogalamu ya mtengo, kumene , kawirikawiri Kutsika kwambiri kuposa nyumba yokhazikika ya banja limodzi. Kuphatikiza apo, magulu oyenda kunyumba nthawi zambiri zimaphatikizapo malo ogawana Chani maiwe osambira , malo osewerera ndi malo ochezera .

Zofunikira kuti mugule Mobile Home

Ndikofunikira kunena kuti monga zinthu zina zonse zomwe mukufuna kukhala nazo ndikofunikira kuti mukhale ndi zolemba zina.

Pansipa tikunena zomwe muyenera kukumbukira:

  • Kukhala ndi chilolezo kapena kulembetsa kuti mugwiritse ntchito nyumba yam'manja yoperekedwa ndi Boma.
  • Kulembetsa kuyenera kukhala kwapano.
  • County idapereka chilolezo choyimika.

Zikalata zomwe tangotchulazi Ali mdera lonse kotero muyenera kufunsa mabungwe a Boma .

Njira zopezera ndalama zogulira nyumba yoyendera

Mukakonzekera kugula nyumba yoyendera mafoni, muyenera kuchita zingapo.

  1. Sankhani ngati mukufuna kugula malo ndi nyumba yoyendera kapena nyumba yoyendera. Ngati mukufuna kubwereka phukusi lanyumba yanu, mudzalandira ngongole zochepa kuposa ngati mukufuna kugula malo omwe nyumbayo idzaikidwenso.
  2. Dziwani zambiri za nyumba yomwe mukufuna kugula. Izi zidzakhudza ngongole zomwe mungalembetse. Mwachitsanzo, ngati mukufuna kugula nyumba yayikulu yomwe imawononga $ 100,000 kapena kuposa, simukuyenera kulandira ngongole yanyumba. FHA .
  3. Yambani kufunafuna zosankha zandalama. Sankhani mtundu wa ngongole (FHA, chattel, payekha) yomwe mudzagwiritse ntchito ndikuyerekeza kuyerekezera kwa obwereketsa osiyanasiyana. Yesetsani kupeza ngongole yomwe ili ndi ndalama zochepa komanso chiwongola dzanja chochepa kuti muthe kugwiritsa ntchito ndalama zochepa momwe mungathere pobweza ngongoleyo.
  4. Mukasankha wobwereketsa, tumizani fomu yanu. Onetsetsani kuti mwatsiriza ntchitoyo molondola ndikukhala ndi tsogolo lokwanira kuti mudzipatse mwayi wokwanira kulandira ngongoleyi.

Kugula nyumba yoyendera: zomwe muyenera kudziwa

Kodi mukufuna kugula nyumba yoyenda nayo? Simuli nokha. Pali zambiri za Nyumba zokwanira 8 miliyoni ku U.S ( gwero ). Nyumba zamagalimoto ndizotchuka chifukwa ndiotsika mtengo kwambiri kuposa nyumba wamba. Mtengo wapakatikati wanyumba yanyumba mu 2015 unali $ 68,000, malinga ndi United States Census Bureau . Mtengo wapakatikati wanyumba yamabanja amodzi ndi $ 360,000.

Chifukwa chake nyumba zoyenda zimamveka bwino. Koma ngati mukuganiza zogula mafoni, njira yabwino iti yopezera ndalama?

Kodi nyumba yoyenda ndi chiyani kwenikweni?

Nyumba yoyenda ndi nyumba yomangidwa ndi wopanga kenako nkumapita nayo kumalo. Anthu ena amawatcha nyumba zopangidwa kapena ma trailer. Nyumba zamagalimoto nthawi zambiri zimakhala ndi mitundu iwiri: umodzi-m'lifupi, kutalika, kupapatiza, komanso kapangidwe kake; ndi kupingasa kawiri, komwe kali ndi malo owirikiza ndipo kumamveka ngati nyumba yamtundu umodzi yamkati mkati.

Chidwi? Nazi zinthu zina zofunika kudziwa zokhudza kugula mafoni:

Mutha kukhala ndi zosankha zochepa zachuma.

Ngati mukuganiza kuti mungapeze bwanji ngongole yanyumba kunyumba yanu yam'manja , pali zinthu zingapo zomwe muyenera kudziwa. Mabanki amatenga nyumba zoyenda ngati katundu m'malo mwa nyumba ndi nyumba, chifukwa chake amangokupatsani ngongole yangongole. Kukhala ndi mwayi wabwino wopeza ngongole kuchokera kuWobwereketsa ngongoleMuyenera kuwonetsetsa kuti nyumba yanyumbayi yolumikizidwa kwathunthu ndi maziko.

Ngati simukufuna kutsata njirayo, mabungwe azobweza ngongole atha kukupatsani ngongole yanyumba yanyumba. Mutha kulembetsanso ngongole yanganu kapena kubwereka ndalama kwa ogulitsa kunyumba.

Komabe, zilibe kanthu komwe mungalembetse ngongole, wobwereketsayo angafunike kuti nyumba yanu ikwaniritse zofunikira za Dipatimenti ya Nyumba ndi Kukula kwa Mizinda (HUD) Izi zikutanthauza kuti mulembera kontrakitala wapadera kuti achitekuyendera nyumbandi kutsimikizira izo.

Mutha kugula paki kapena kugula malo kuti muike nyumba yanu.

Mutha kuganiza kuti nyumba zoyenda nthawi zonse zimakhala m'mapaki oyenda panyumba, koma sizili choncho. Ndikothekanso kugula nyumba yoyendera limodzi ndi malo omwe ali, omwe atha kukhala malo akulu m'nkhalango.

Kapena, ngati mukugula foni yatsopano, mutha kupita kulikonse komwe mungafune. Paki yonyamula kunyumba ingakhale njira yabwino kwambiri chifukwa adzakhala ndi malumikizidwe azinthu zina ndi zina. Koma ngati zachinsinsi (ndi kupewa ndalama zopezeka patsamba) Ndichofunika kwambiri, mutha kugula phukusi lanu kuti muliyikemo, bola ngati mwakonzeka kunyamula zowonjezera ndikuwongolera nokha.

Ngati mugula paki, phatikizani zolipiritsa mu bajeti yanu.

Pafupipafupi: Kugula paki yanyumba yoyenda nayo kumatha kukhala yotsika mtengo kuposa kugula malo, komabe zimadza ndi mtengo. Malo ambiri osungira zinyumba amakhala ndi renti ya maere, omwe amakhala pafupifupi $ 300 pamwezi ndipo amalipira kukolola zinyalala, madzi, zimbudzi, ndi kukonza malo.

(Kusamalira nyumbazili ndi inu). Izi zimachitika mukakhala kuti mulibe malo okhala m'manja mwanu, nyumba yokha.

Koma m'mapaki ena, malo ndi anu. Maderawa nthawi zambiri amakhala ndi mayanjano a eni nyumba ( Maluwa ) yoyendetsedwa ndi opanga mapaki kapena okhalamo. HOA imakhazikitsa malamulo ammudzi, ndipo zolipiritsa nthawi zambiri zimadutsa $ 200- $ 300 / mwezi.

Zinyalala, madzi, zimbudzi, ndi kusamalira paki nthawi zambiri zimalipiridwa ndi zolipiritsa zanu. Muyeneranso kutsatira malamulo a Association ofersowners, omwe angachepetse mitundu yomwe nyumba yanu imatha kujambula komanso komwe mungayimire, pakati pazinthu zina.

Nyumba zama foni zimataya phindu pakapita nthawi.

Eni nyumba amaganiza kuti nyumba ziwonjezeka mtengo pakapita nthawi, zomwe mabanja amodzi okha nthawi zambiri amachita. Koma ndichifukwa choti nthawi zambiri zimalumikizidwa ndi dziko lapansi, ndipo dziko lapansi ndilomwe lilidikuyamikira. Nyumba zoyenda zosabwera ndi dothi sizikula mtengo, ndipo zimakhala zovuta kugulitsanso kuposa nyumba yanthawi zonse.

Koma zonse zimadza pazomwe mukufuna kuchokera kunyumba kwanu ndipozingati zomwe mungakwanitse. Sikuti onse omwe ali ndi nyumba amagula nyumba ngati ndalama, ndipo si aliyense amene angakwanitse kugula nyumba wamba. Ngati mukufuna kugula malo okwera mtengo oti musakhale ndi katundu wambiri, kugula nyumba yanyumba ikhoza kukhala njira yabwino.

Nyumba Zopangidwa, Nyumba Zoyenda, ndi Nyumba Zosasintha

Ngati mwatsopano kunyumba zanyumba, muyenera kuyamba kuphunzira malingaliro omwe amapita nawo. Kudziwa mawuwa kudzakuthandizani kumvetsetsa njira zopezera ndalama zomwe zilipo. Zimakupatsaninso mwayi wolumikizana bwino ndi omwe amakubwerekerani ndalama kugula.

Nyumba zanyumba zatsopano zimatchedwa nyumba zopangidwa. Nyumba zoduliratu zimamangidwa m'mafakitole ndipo zimayikidwa pachassis yokhazikika. Chifukwa cha chisiki, amatha kusunthidwa mosavuta. Ndi chisiki chomwe chimatanthauzira kuti nyumba yopangidwa ngati mafoni.

Dipatimenti ya Nyumba ndi Kukula kwa Mizinda (HUD) idakhazikitsa miyezo yomanga nyumba zopangidwa / zoyenda mu 1976.

Nyumba zokhala ndi chisisi chosakhalitsa chomwe chidamangidwa kale nthawi imeneyo zitha kutchedwa mafoni apanyumba, koma mwina sizinamangidwe mpaka mu 1976.

Chotsatira chachikulu cha malamulo a 1976 chinali chikalata cha HUD chotchedwa Chizindikiritso Chachizindikiro ndi Data Plate . Zikalata izi ndizofiira ndipo ziyenera kuwoneka m'nyumba. Kuzichotsa ndizosaloledwa.

Chizindikiro cha HUD ndichofunikira makamaka pogula, kugulitsa, kupereka ndalama, komanso kupereka inshuwaransi kunyumba. Ngati mulibe chiphaso cha HUD, zidzakhala zovuta kuti mupeze ndalama zamtundu uliwonse.

Osasokoneza zopangidwa ndi nyumba zosanjikiza kapena zopangidwa. Nyumba zopangidwanso zimamangidwa mufakitole. Komabe, amatha kumangidwa pa chassis chosatha kapena chosakhazikika, ndi chassis yochotseka. Izi nthawi zambiri zimakokedwa kupita kudziko lina ndipo zimasonkhanitsidwa kumeneko.

Nyumba zoyenda nthawi zambiri zimapezeka pamalo obwerekedwa (malo osungira ana kunyumba).

Kulipira Ndalama Kunyumba Panyumba Yanyumba Yachikhalidwe

Chofunika kwambiri mukamapereka ndalama zogulira nyumba yanyumba ndikuti ngati muli ndi malo omwe ali (kapena adzakhalapo).

Ngati muli ndi malowo ndipo mukusowa ndalama zogulira nyumba yopangidwa, mutha kubweza ngongole yanyumba wamba. Komabe, ngati mulibe nyumba zogulitsira, ambiri obwereketsa wamba sangakulolezeni kubweza ngongole.

Ngati mulibe malo, lingalirani zofunsira ngongole ku United States Federal Housing Authority ( FHA ), chifukwa sikofunikira ngongole ya FHA. Ngati mukuyenereradi, lingalirani zopeza ngongole yanyumba kudzera ku US Department of Veterans Affairs (VA) Amapereka ngongole zanyumba zopangidwa ndi maere.

FHA ngongole

Monga tafotokozera pamwambapa, ngongole zochokera ku Mutu I wa FHA safuna kuti wobwereka akhale ndi malo awo. Komabe, wobwereka ayenera kubwereka malo omwewo kwa zaka zosachepera zitatu mpakaayenerere ngongole ya FHA.

FHA si wobwereketsa mwachindunji. Chifukwa chake, muyenera kupeza wobwereketsa wovomerezeka kuti apange ngongole za FHA. FHA imakhazikitsa ngongole, zomwe zimawapangitsa kukhala osangalatsa kwa obwereketsa chifukwa amakhala ndi chiopsezo chochepa ngati angabweretse ngongole.

Zoyenera kubweza ngongole za FHA ndizosavuta kuzikwaniritsa kuposa ngongole zambiri zanyumba. Malipiro otsika akhoza kukhala ocheperako kusiyana ndi ngongole wamba - mpaka 3.5% yamtengo wogula. Chiwongola dzanja nthawi zambiri chimakhala chotsika ndi ngongole yotsimikiziridwa ndi FHA, inunso.

Ngati muli ndi mbiri yoyipa (ngongole za 550 kapena zochepa), mutha kupeza ngongole ya FHA. Mutha kukhala oyenerera ngongole ya FHA ngakhale mwakhala mukulephera kale. Mbali inayi, obwereketsa ambiri wamba sangakupatseni ngongole yanyumba ngati muli ndi ngongole zochepa.

Chimodzi mwazovuta za ngongole za FHA ndikuti amakhala ndi nthawi yayifupi kuposa ngongole yanyumba wamba. Ngongole zanyumba zimakhala zaka 30; Ngongole zambiri za FHA zogula mafoni zimakhala ndi zaka 20.

Ngongole ya FHA ilinso ndi malire oti mungaganizire. Kuyambira mu 2017, malire a nyumba yopangidwa ndi $ 69,678. Ngati mukungofuna kugula zambiri, malire ake ndi $ 23,226. Malire ndi $ 92,904 kunyumba ndi zonse zomwe zimapangidwa. ( Gwero )

Zina zomwe mungaganizire ndikuti ngongole za FHA ndizosankha ngati nyumbayo ndiye nyumba yanu yoyamba. Momwemonso, obwereketsa wamba, obwereketsa a FHA azisanthula ntchito yanu, malipiro anu, mbiri yanu ya ngongole, ndi kuchuluka kwa ngongole kuti mudziwe kuyenerera, chiwongola dzanja cha ngongole, ndi mawu ena.

VA ngongole

Monga momwe zilili ndi ngongole za FHA, Pitani kumatsimikizira ngongole powatsimikizira kuti sizingachitike. VA yokha siyimangongole. Muyenera kupeza ngongole yomwe imapereka ngongole za VA.

Mamembala ankhondo, omenyera nkhondo, ndi akazi awo ali oyenera kulandira ngongole za VA. VA imatsimikizira ngongole zanyumba zonse zopangidwa ndi maere.

Kuti muyenerere ngongole ya VA, mufunika Chiphaso Chovomerezeka (COE). Satifiketi imawonetsa obwereketsa kuti mukuyenera kulandira ngongole yothandizidwa ndi VA. Fufuzani nayi Zofunikira za COE.

Monga ndi ngongole za FHA, nyumba yopangidwayo iyenera kukhala nyumba yanu yoyamba. Kuti muvomerezedwe ngongole ya VA, muyeneranso kupereka mbiri yanu yakuntchito, ntchito yomwe muli nayo, malipiro anu, komanso mbiri yanu yangongole.

Zamkatimu