Izinhlelo zokuqala zabathengi ekhaya eFlorida , Ukuthenga ikhaya eFlorida kungaba yinselele. Ukuthengiselana kuqinile, futhi ukufunwa namanani kuyenyuka.
Uma ungumthengi ekhaya ngu okokuqala eFlorida Ukuzulazula kule nqubo, ikakhulukazi ingxenye yemali, kungabonakala kunzima.
Kodwa kukhona usizo olutholakalayo oluzokwenza inqubo ibe lula futhi ungabeka ukuthengwa kwekhaya lapho ungafinyelela khona ngokwezimali. Izinhlobonhlobo ze izinhlelo zomphakathi, zezwe nezikahulumeni kubathengi bokuqala ekhaya, ikakhulukazi I-Florida Housing Ezezimali Corp. ., unezinsizakusebenza ezisukela ezelulekweni zezezimali nokwelulekwa kuya ezinhlelweni ezingabizi zokubambisa ngempahla.
U-Chip White, ongumphathi wabathengi be-Florida Housing Finance Corp., owaziwa ngeFlorida Housing, uthe izinselelo ezibhekene nabathengi bezindlu zaseFlorida yilezo abathengi abavela kwezinye izifundazwe abazi ngazo, ikakhulukazi izindleko ezikhuphukayo kanye nokushoda kokuhlinzekwa kwezinye izindawo zombuso.
Izinhlelo ezinjengeFlorida Housing, okuyiziphathimandla zezindlu zombuso, nezinye izinhlelo zikahulumeni zisebenza nababolekisi abagunyaziwe ukusiza abathengi bokuqala ekhaya eFlorida ngezindleko.
Lezi zinhlelo ziphinde zinikeze olunye usizo lwezezimali, kubandakanya izibonelelo (imali okungadingeki ukuthi ikhokhwe) nokunye ukukhushulwa ukugcina izindleko nezindleko.
Inani eliphakathi lekhaya lomndeni owodwa eFlorida ngo-2020 lalingama- $ 264,000, ngokusho kuka I-Florida Realtors , inhlangano emele ama-real estate broker broker.
Izazi zezomnotho zombuso ziqagule ukuthi abantu abangama-347,000 bazothuthela eFlorida kulo nyaka, cishe abantu abangama-900 ngosuku. Abaningi babo bazofuna ukuthenga izindlu. Ngakho-ke, ukuthambekela okuphezulu kwamanani kungenzeka kuqhubeke.
Ukwazi ukuthi iziphi izinsiza ezikhona zokukusiza uqonde futhi ubhekane nemakethe enzima kuzokwenza inqubo ingabi namandla futhi ikusize ufike ekhaya lakho lamaphupho.
Okushiwo Izinsizakusebenza Zomthengi Wekhaya waseFlorida
Izinhlelo zokuqala zomthengi ekhaya Njengoba ucwaninga ngezinketho zezindlu, uzobona ama-acronyms amaningi ahlobene nama-ejensi, izinhlelo, nemikhiqizo. Ukwenza umqondo wesobho lama-alfabhethi kuyingxenye yempi.
Ezinye zezinto ezibalulekile esizobhekisa kuzo kulesi sihloko yilezi:
- FHFC - I-Florida Housing Finance Corp. , noma i-Florida Housing. Lesi yisikhungo sokuthola imali engenayo ephansi ukuya kokulinganayo amaFloridians afuna ukuthenga ikhaya, enikezela ngezinsizakusebenza nezinhlelo zokwenza inqubo icace futhi ifinyeleleke kakhulu.
- FHA - I-Federal Housing Administration, eyadalwa ngesikhathi senhliziyo Yokuwohloka Okukhulu Kwezomnotho ngo-1934. I-FHA iqinisekisa ukubambiswa kwemali namazinga wokwakha.
- ISIKHUMBA - UMnyango wezeZindlu nokuThuthukiswa kwamaDolobha waseMelika, owengamele i-FHA, ubuye ube nezinhlelo ezahlukahlukene ezisiza abathengi emakhaya, kubandakanya omakadebona nabashade nabo. I-HUD ayinazo nje kuphela izinhlelo, kepha isiqondiso esibanzi mayelana namalungelo akho njengomthengi wekhaya, ukuthi ulithenga kanjani ikhaya nemali mboleko, nokuningi.
- USDA - I-ejensi yokuthuthukiswa kwezindawo zasemakhaya zoMnyango Wezolimo wase-US nayo inezinhlelo zabathengi emakhaya ezindaweni zasemakhaya.
- IYAHAMBA - UMnyango Wezilwane waseVeteran, owenza imali mboleko yasekhaya kwabezempi, omakadebona, kanye nabalingani babo.
- Ama-SME - Umshuwalense wangasese wokubolekwa kwempahla, okudingeka kakhulu kubaboleki abakhokhelwa phansi ngaphansi kuka-20%. Lokhu kusiza ukuvikela ababolekisi uma obolekayo engakwazi ukukhokha futhi ethathwa njengefa. Iningi lemalimboleko yabathengi basemakhaya abahola kancane futhi abalinganiselayo linokukhokha okuphansi okungamaphesenti amathathu, ngakho-ke lokhu kungadingeka uma uthenga ikhaya.
Uzobona nezethenjwa eziningi zemalimboleko engaguquki yeminyaka engama-30 lapho ufuna ukuthenga ikhaya. Lokho kuyizinketho zabathengi basekhaya abangama-90%. Imalimboleko yesilinganiso esilinganiselwe seminyaka engama-30 isho ukuthi ukhokha imali mboleko yekhaya iminyaka engama-30, ngenani lenzalo kanye nenkokhelo yanyanga zonke engashintshi. Lezi yizibambiso ezijwayelekile kakhulu, ngoba izinkokhelo ziphansi ngakho-ke zithengeka kakhulu kunezilinganiso zeminyaka eyi-15.
Usizo Kubathengi Bekhaya Lokuqala Esikhathini EFlorida
Uhulumeni Usiza Ukuthenga Ikhaya eFlorida . Enye yezindawo zokuqala ongazivakashela uma ungumthengi wokuqala wekhaya eFlorida Izindlu zaseFlorida . Yadalwa yisishayamthetho saseFlorida eminyakeni engama-35 eyedlule ukuqinisekisa ukuthi izakhamizi zombuso zinezindlela ezingabizi kakhulu zokuthenga amakhaya emakethe eyinselele.
Izindlu zaseFlorida isebenza nemiphakathi, izinhlangano ezingenzi nzuzo, onjiniyela, uhulumeni wesifundazwe, nokuningi ukuthuthukisa nokwenza izinhlelo ezisiza abantu bathole ikhaya elifanele kuhulumeni.
Usizo lwezindlu eFlorida. Inezinhlelo zabathengi kanye nabaqashi, nezinhlelo zabathuthukisi ezibakhuthaza ukuthi bakhe izindlu ezingabizi. Abathengi abangase babe ngabathengi kufanele bahlangabezane namazinga athile emali engenayo namakhredithi futhi kufanele bathenge ikhaya labo lokuqala ukuze bafanelekele izinhlelo zabathengi bokuqala zaseFlorida.
IFlorida Housing inezinhlelo ezintathu eziyinhloko zabathengi bokuqala ekhaya:
- Izinhlelo kubathengi basekhaya : Izimalimboleko ezahlukahlukene ezineminyaka engama-30 zokubolekwa kwemali yokuqala zabathengi bokuqala ababamba iqhaza ngokusebenzisa ababolekisi nababolekisi ababambe iqhaza ezweni lonke, kufaka phakathi imali ebolekiwe ejwayelekile yeminyaka engama-30, imali yakho ebolekiwe engu-3% Plus, kanye nohlelo lwakho lweMpi Yezempi yama-veteran nomsebenzi osebenzayo wezempi .
- Uhlelo losizo lwe inkokhelo yokuqala : Usizo lwe izindleko zokukhokha nokuvala ngendlela yemalimboleko yesibili yasekhaya esetshenziswa neFlorida Housing loan yokuqala yekhaya.
- Uhlelo Lwesitifiketi Sokubambisa Imali: Isikweletu sentela sikahulumeni esingasetshenziswa ngempahla yokuqala ebanjiswayo, esiza ukukhiqiza imali ebolekiwe ukuthi ayisebenzise ukwenza izinkokhelo zempahla mboleko nezinye izindleko zasendlini.
Ibuye ibe neState Housing Initiative Association esiza abathengi bokuqala ekhaya ukubhekana nezinselelo zezezimali ezithile ezingxenyeni ezithile zaseFlorida. IFlorida Housing isebenza nohulumeni wasekhaya, izinhlangano zomxhaso womphakathi kanye namadolobha (lawo athole izibonelelo ze-HUD ukusiza ukuqhuba ukuthuthukiswa komnotho). Kuyafaneleka ukubheka iwebhusayithi yeFlorida Housing ukubona ukuthi umphakathi wakho unohlelo olungakusiza kakhulu yini.
Nayi imininingwane ngezinhlelo zokubambisa izindlu zasekhaya eFlorida:
Imali mboleko ejwayelekile yaseFlorida HFA
Imalimboleko ejwayelekile ekhethwe njengeFlorida HFA yimali mboleko ebekiwe yeminyaka engama-30 enikeza ababoleki bokuqala ikhefu emshuwalense wangasese wokubolekwa kwempahla. Lesi yisikweletu esithandwa kakhulu eFlorida Housing ngoba sinciphisa izindleko futhi sivumela abantu abaningi ukuthi bafanele, kusho uWhite.
Lo mkhiqizo uhlinzeka ngemali ephansi yomshuwalense wempahla kubathengi abafanelekayo, imali ephezulu yohlelo nemikhawulo yamanani okuthenga kunaleyo 'yemalimboleko yesibambiso' yendabuko futhi kulula (amaphepha amancane) ukuthi ababolekisi bethu ababambe iqhaza bavele, kusho yena.
Ababoleki abafanelekile badinga kuphela umshwalense wempahla yangasese ohlanganisa i-18% yenani, esikhundleni se-35% ejwayelekile ejwayelekile lapho uboleka u-97% wezindleko zokuthenga ikhaya (ngamanye amagama, ukhokha phansi ku-3%).
Ngoba imalimboleko inikela ngemali ephansi yomshwalense, izinkokhelo zenyanga zonke ziphansi.
IFlorida HFA ekhethwe ngo-3% kanye nemalimboleko ejwayelekile
Lokhu kunezinzuzo ezifanayo zemalimboleko ejwayelekile yaseFlorida HFA, kepha futhi kunikeza isibonelelo sezindleko zokukhokha nokuvala ezinga-3%. Ngoba uyisibonelelo, akudingeki ukuthi ukhokhelwe.
Uhlelo lokubolekwa kwemali kahulumeni lwamaqhawe ezempi
Abasebenzi bezempi kanye nama-veteran asebenzayo angasebenzisa ngokunenzuzo izinhlelo eziningi ezisiza ngeminyaka engu-30 yemali mboleko engaguquki, kufaka phakathi i-FHA, VA, ne-USDA Rural Development. Amanani wenzalo yalezi mboleko ngokuvamile aphansi kunalawo ajwayelekile, futhi angasetshenziswa ngokuhlangana namanye amaFlorida Ezezindlu lapho kukhokhwa futhi kuvalwa izinhlelo zokusiza izindleko ukuze kuqhutshekwe kunciphiswe izindleko.
Isibonelelo Esikhethwayo se-HFA
Izibonelelo ezikhethwe yiFlorida Ezezindlu zinikela ngo-3% noma u-4% wentengo yokuthenga ekhaya ongayisebenzisa njengosizo oluphansi lokukhokha nokuvala. Akudingeki ukuthi ikhokhwe, kepha kufanele isetshenziswe nolunye lwezinhlelo zemalimboleko yomthengi wokuqala waseFlorida Ezezindlu.
Uhlelo lweSitifiketi Sokubambisa Ngesikweletu SaseFlorida (MCC)
Uhlelo lweSitifiketi Sezikweletu Sokubolekwa Kwempahla luvumela umthengi wokuqala wasekhaya ukuthi afune amaphesenti ayi-10 kuya kwangama-50% wenzalo yakhe yokubambisa kuze kufike ku- $ 2,000 inqobo nje uma behlala ekhaya. Ibhalansi isengabizwa njengekhredithi yentela yemali etholwa ngempahla. Isikweletu sisebenza kubathengi bemizi yokuqala kanye nabadala bokuthenga ikhaya.
Ukufanelekela Izinzuzo Zokuqala Zomthengi
Isisho esisodwa ozohlala usibona lapho ucwaninga ngenketho yakho yokuthenga ekhaya abathengi abafanelekayo. Ukuze ufanelekele izinhlelo ezivela eFlorida Housing, HUD, namanye ama-ejensi, umthengi wekhaya akumele adlule imali etholakalayo, kepha lokho kuyehluka kuye ngesifunda ahlala kuso nokuthi likhulu kangakanani ikhaya. Kukhona nemikhawulo yokuthi ikhaya lingabiza kangakanani, nalo elihluka ngokwendawo.
Nazi ezinye izinto ezijwayelekile, noma ngabe yiziphi izifunda zaseFlorida ezingama-67 ohlala kuzo:
- Amaphuzu esikweletu angama-620
- Isakhiwo kumele sibe seFlorida
- Kufanele kube yindawo yokuhlala eyinhloko yomthengi.
- Umthengi kufanele athathe isifundo semfundo yabathengi bamahora ayi-6-8.
Ezinye zazo zisobala, kepha isilinganiso sakho samaphuzu esikweletu kuyinto okufanele uyinake ngokukhethekile, noma ngabe siyini isikolo sakho. I-Fair Isaac Corp., ebeka isikweletu noma izikolo ze-FICO, iguqula indlela amaphuzu atholwe ngayo nokutholwa kwemali mboleko embi, imali mboleko yomuntu siqu nezinye izinto kungasho amaphuzu aphansi. Kuyafaneleka impela ukubheka isilinganiso sakho sesikweletu futhi uthole ukuthi ungasithuthukisa kanjani uma ucabanga ukuthenga ikhaya.
Kunezinye izinto eziningi ezingena ekutholeni imali yokubambisa, noma ngabe usebenzisa ziphi izinsiza njengomthengi wokuqala ekhaya.
Uma izimali zakho ziqinile noma uma ukhathazekile ngokuthi amaphuzu akho esikweletu noma imali oyitholayo iphansi kakhulu, uMsizi Wokubuyiswa Kwasekhaya kwiwebhusayithi ye-Florida Housing angakusiza uqonde ukuthi yini ongayifanelekela, futhi unikeze nemininingwane yokuthi ungafaka kuphi.
Njengoba izimalimboleko zethu zivela kubabolekisi abaqeqeshiwe nabagunyazwe yizinhlelo ezweni lonke, siphinde sabala ezinye zezikhulu zethu zemalimboleko ezithintekayo kuWizard, kusho uWhite. Laba babolekisi bangafanelekela ngaphambili futhi banqume ukuthi yimiphi imikhiqizo efaneleke kangcono esimweni somboleki.
Izinhlelo zikazwelonke zabathengi bokuqala emakhaya
Kukhona nezinhlelo zomthengi kazwelonke ezitholakalayo ukusiza okokuqala ngqa abathengi basekhaya ukuba bangene ekhaya labo lamaphupho.
Enye yamawebhusayithi awusizo kakhulu ukuwavakashela yi-HUD's. Ukusiza abantu ukuthi babe ngabanini bemizi kungenye yezinto ezibaluleke kakhulu ezenziwa yi-HUD, kusho isayithi.
I-HUD inikeza ukwelulekwa kwamahhala kulabo abathintekayo ngokuthenga ikhaya, ngisho nezinhlelo zothisha, izicishamlilo, izisebenzi zomthetho nabanye abanikeza izaphulelo ezindlekweni zokuthenga izindlu ngaphansi kohlelo lwayo lweGood Neighbour Next Door.
Izimalimboleko zezindlu ezivame kakhulu yilezi:
- Imali mboleko ye-FHA - Uma amaphuzu akho esikweletu ephansi, lolu kungaba uhlelo lwakho. Izinkokhelo zokuqala ze-FHA zalabo abanamaphuzu esikweletu angama-580 noma ngaphezulu aqala ku-3.5% wokuthenga. Uma amaphuzu akho esikweletu engaphansi kuka-580, i-FHA idinga ukukhokhelwa okungu-10% phansi ukuvikela imali mboleko. Izimalimboleko ze-FHA zidinga umshuwalense wokubolekwa kwempahla ngempilo yemalimboleko.
- Izimalimboleko ze-VA - Labo abake basebenza noma abasebenza ebusosheni kanye nabashade nabo bangathola imalimboleko ye-VA ngoMnyango Wezilwane Zase-US, ezinye zazo ezingadingi ukukhokhelwa phansi noma umshuwalense wempahla.
- Imali mboleko ye-USDA Lezi zimali mboleko azinayo imali yokukhokhela phansi yabantu abahlala ezindaweni zasemakhaya, nezidingo zemali engenayo ezihluka ngokwezifunda. Ababoleki abanezikweletu ezingezansi kuka-640 banezinye izidingo.
Izinhlelo Zamasosha AseFlorida Nezinhlelo Zokubolekwa Kwezimali Zokuqala
Kuhloswe ngamalungu ezempi asebenzayo afanelekayo kanye nama-veteran, lezi zinhlelo zinikela ngeminyaka engama-30 yemali mboleko engaguquki yemalimboleko kahulumeni (FHA, VA, ne-USDA). Amaqhawe Ezempi inikeza amanani aphansi kuneFlorida Okokuqala, futhi akudingeki ukuthi ube ngumthengi wokuqala wasekhaya ukuze usebenzise noma yiluphi uhlelo. Ababoleki bangahlanganisa lezi zimali mboleko neFlorida Housing phansi yokukhokha nokuvala uhlelo losizo lwezindleko.
Izinhlelo ze-FL HFA ezincanyelwayo nezincanyelwayo ze-PLUS ezivamile
Ababoleki abafanelekela ukuthola le mali ejwayelekile yeminyaka engama-30 yemali mboleko engaguquki bazobona izindleko zomshuwalense ophansi wemali mboleko kunemali mboleko ye-FHA efanayo. Izimalimboleko zingahlanganiswa nohlelo lokusizwa kwezindleko zokukhokha nokuvala. Izinketho ezimbili ezijwayelekile ezithandwa yimalimboleko ye-PLUS zinikeza ababoleki abafanelekile amaphesenti ama-3 noma ama-4 amaphesenti izibonelelo zokukhokha izindleko zokukhokha nokuvala. Lezo zibonelelo akudingeki zikhokhwe. Isibonelelo samaphesenti ama-4 siza nezinga lenzalo eliphakeme kakhulu kunemali mboleko ejwayelekile ekhethwayo kanye namaphesenti ama-3 akhethwe yi-PLUS.
I-Florida Housing Down Payment kanye Nezinhlelo Zokuvala Izindleko Zokusiza
IFlorida Assist Second Mortgage Program (FL Assist)
Ababoleki abafanelekayo bathola kufika ku- $ 7,500 ngenzalo engamaphesenti angu-0 kwimali mboleko yesibili ehlehlisiwe abazoyisebenzisela ukukhokha okuphansi. Inkokhelo ihlehliswa kuze kuthengiswe ikhaya noma kudluliswe impahla, noma lapho imali mboleko ikhokhwa noma yaxhaswa kabusha.
3% Isibonelelo Esikhethwayo se-HFA
Lolu hlelo lunikeza ababolekisi abafanelekayo amaphesenti ama-3 entengo yokuthenga ekhaya abazoyisebenzisela izindleko zokukhokha nokuvala ezansi. Isibonelelo akudingeki sikhokhwe.
Uhlelo lweFlorida Housing Mortgage Credit Certificate (MCC)
Abathengi abafanelekayo bokuqala ekhaya bangafuna amaphesenti angama-50 wenzalo yabo yemali mboleko ekhokhelwe, efakwe ku- $ 2,000, ngendlela yesikweletu sentela unyaka ngamunye abahlala ekhaya lakho. Isikweletu sentela sinciphisa umthwalo wentela kubaboleki ukusiza ukukhulula imali engenayo engasetshenziselwa ukukhokhelwa kwempahla kanye nezinye izindleko zasekhaya.
Qaphela: Lezi zinhlelo kumele zisetshenziswe ngohlelo lokubolekwa kwemali yasekhaya eFlorida.
Okuqukethwe
- Okushiwo Izinsizakusebenza Zomthengi Wekhaya waseFlorida
- Ezinye zezinto ezibalulekile esizobhekisa kuzo kulesi sihloko yilezi:
- Usizo Kubathengi Bekhaya Lokuqala Esikhathini EFlorida
- IFlorida Housing inezinhlelo ezintathu eziyinhloko zabathengi bokuqala ekhaya:
- Imali mboleko ejwayelekile yaseFlorida HFA
- IFlorida HFA ekhethwe ngo-3% kanye nemalimboleko ejwayelekile
- Uhlelo lokubolekwa kwemali kahulumeni lwamaqhawe ezempi
- Isibonelelo Esikhethwayo se-HFA
- Uhlelo lweSitifiketi Sokubambisa Ngesikweletu SaseFlorida (MCC)
- Ukufanelekela Izinzuzo Zokuqala Zomthengi
- Nazi ezinye izinto ezijwayelekile, noma ngabe yiziphi izifunda zaseFlorida ezingama-67 ohlala kuzo:
- Izinhlelo zikazwelonke zabathengi bokuqala emakhaya
- Izimalimboleko zezindlu ezivame kakhulu yilezi:
- Izinhlelo Zamasosha AseFlorida Nezinhlelo Zokubolekwa Kwezimali Zokuqala
- Izinhlelo ze-FL HFA ezincanyelwayo nezincanyelwayo ze-PLUS ezivamile
- I-Florida Housing Down Payment kanye Nezinhlelo Zokuvala Izindleko Zokusiza
- IFlorida Assist Second Mortgage Program (FL Assist)
- 3% Isibonelelo Esikhethwayo se-HFA
- Uhlelo lweFlorida Housing Mortgage Credit Certificate (MCC)