Izimalimboleko nezinhlelo ze-FHA zabathengi bokuqala
Funda Izisekelo futhi Uthuthukise Amathuba Wakho Wokubolekwa kwemali ye-FHA . Njengomthengi wokuqala ekhaya , kungaba khona eziningi ezingaziwa . Noma ngabe kungumbandela wokubambisa ngempahla, uhlobo lwemalimboleko yekhaya, noma izidingo zokukhokha eziphansi, isikhukhula solwazi olusha singakhungathekisa. Sifuna ukukusiza ufunde ngezinye zezinto ezingase zinganakeki njengoba uzilungiselela thenga indlu yakho entsha .
Imalimboleko ye-FHA Yabathengi Bokuqala Bekhaya
Izimalimboleko ze-FHA zisiza labo abafuna ukuthenga ikhaya kepha abangakwazanga ukonga imali yokuthenga, njengabafundi abasanda kuphothula ekolishi, abasanda kushada, noma abantu abasazama ukuqeda imfundo yabo. Ibuye ivumele abantu ukuthi bafanele ukuthola imalimboleko ye-FHA isikweletu sayo esonakaliswe ukuqothuka noma ukudilizwa.
Le mali mboleko ivame ukusebenza kahle kubathengi bemizi yokuqala ngoba ivumela abantu ukuthi baxhase kuze kufike kumaphesenti angama-96.5 wemalimboleko yabo yezindlu, okusiza ukunciphisa izinkokhelo nokuvala izindleko zibe zincane. Isikweletu semali mboleko se-203 (b) Futhi ukuphela kwemali mboleko lapho amaphesenti ayi-100 wezindleko zokuvala angaba yisipho esivela kwilungu lomndeni, inhlangano engenzi nzuzo, noma i-ejensi kahulumeni.
Funda ngezindleko zokuvala ze-FHA
Abathengi abaningi basekhaya bokuqala bayamangala ukuthi ukukhokha okuphansi akuyona ukuphela kwento abayilondolozayo. Kunezindleko ezithile zokuqala ezidingekayo ukuvala imali mboleko yakho, engaba nkulu, imvamisa iphakathi kuka-2 no-5% wemali mboleko ephelele.
Lapho uthenga imali mboleko yendlu, khumbula ukuqhathanisa amanani ezindleko ezithile zokuvala, njenge umshwalense wabaninikhaya, ukuhlolwa kwamakhaya nokuseshwa kwamatayitela . Kwezinye izimo, unganciphisa izindleko zokuvala ukucela umthengisi ukuthi akhokhe ingxenye ethile yazo (okwaziwa njengemvume yomthengisi) noma ukuxoxisana nekhomishini yomenzeli wakho wezindlu . Ezinye zezindleko ezijwayelekile zokuvala ezifakiwe kwi-FHA mortgage zifaka:
- Imali ekhokhwayo yokuqala
- Imali yokuqinisekisa idiphozi
- Imali yabameli
- Ukuhlolwa kanye nanoma yiziphi izimali zokuhlola
- Umshuwalense wesihloko kanye nezindleko zokuhlolwa kwesihloko
- Ukulungiswa kombhalo (komuntu wesithathu)
- Ukuhlolwa kwempahla
- Imibiko yesikweletu
Imikhawulo yemalimboleko engama-2021 FHA
I-FHA ibalwe inani lemali mboleko ephezulu elizoyiqinisekisa ezingxenyeni ezahlukene zezwe. Lokhu ngokuhlanganyela kwaziwa njengemikhawulo yemalimboleko ye-FHA. Le mikhawulo yemalimboleko ibalwa futhi ivuselelwe minyaka yonke. Bathonywe uhlobo lwekhaya, njengomndeni owodwa noma i-duplex, nendawo. Abanye abathengi bakhetha ukuthenga amakhaya ezifundeni lapho imingcele yemalimboleko iphakeme, noma bangafuna amakhaya alingana nemingcele yendawo abafuna ukuhlala kuyo.
I-MIP yimali yakho yomshwalense wempahla ebanjiswayo
Umshwalense wempahla ye-FHA uvame ukufakwa enkokhelweni yanyanga zonke ekhokhelwa amaphesenti angu-0,55 enani lemali mboleko ephelele, okucishe kube uhhafu wentengo yomshuwalense wokubolekwa kwemali mboleko evamile. I-FHA izoqoqa i-MIP yaminyaka yonke, okuyisikhathi lapho uzokhokha khona amaphrimiyamu omshwalense wempahla we-FHA emalimboleko akho e-FHA.
Amanani we-MIP wemalimboleko ye-FHA iminyaka engu-15
Uma uthola imali ebolekiwe yeminyaka engama-30 noma yini engaphezu kweminyaka engu-15, imali yakho yomshwalense wempahla yonyaka izoba ngale ndlela elandelayo:
| Inani lemalimboleko eyisisekelo | I-LTV | I-PIM yonyaka |
|---|---|---|
| ≤ $ 625,500 | ≤ 95% | Ama-80 bps (0.80%) |
| ≤ $ 625,500 | > 95% | I-85 pb (0,85%) |
| > $ 625,500 | ≤ 95% | I-100 bps (1.00%) |
| > $ 625,500 | > 95% | I-105 pb (1,05%) |
Ungayifanelekela kanjani Imalimboleko Yomthengi Wekhaya Wokuqala
Izimalimboleko ze-FHA zabathengi bokuqala. Kunezinhlelo eziningi zemalimboleko yasekhaya ebhekelela abathengi bokuqala. Futhi eziningi zazo zinezinkombandlela eziguquguqukayo zokuhlalisa labo abanamakhredithi aphansi, imali engenayo, noma intuthuko.
Nazi izidingo eziyisisekelo zokufanelekela ezinye zezimali mboleko zabathengi bokuqala ezithandwa kakhulu:
| Imali mboleko yomthengi wokuqala ngqa | Ungafaneleka kanjani |
| Imali mboleko ye-FHA | Ukukhokhelwa okungu-3.5%, inani eliphansi lesikweletu le-FICO elingu-580, i-50% ephezulu ye-DTI (isikweletu semali engenayo). Awukho umkhawulo wemali engenayo. 1, 2, 3 no-4 izakhiwo zamayunithi zifanelekile |
| Imalimboleko engu-97 ejwayelekile | Ukukhokha okungu-3%, 620-660 ubuncane besikweletu se-FICO, ama-43% aphezulu we-DTI, kumele kube yimpahla yomndeni eyodwa. Akunamkhawulo wemali engenayo |
| UFannie Mae HomeReady Loan | Ukukhokha okuphansi okungu-3%, inani eliphansi lesikweletu le-FICO elingu-660, i-45% ephezulu ye-DTI, i-97% ephezulu ye-LTV, imali engenayo yonyaka ayikwazi ukudlula i-100% yemali engenayo yaleyo ndawo |
| UFreddie Mac Home Loan Kungenzeka | Ukukhokha okuphansi okungu-3%, inani eliphansi lesikweletu le-FICO elingu-660, i-45% ephezulu ye-DTI, i-97% ephezulu ye-LTV, imali engenayo yonyaka ayikwazi ukudlula i-100% yemali engenayo yaleyo ndawo |
| VA Imalimboleko Yasekhaya | Ukukhokhelwa okungu-0%, ama-580-660 ubuncane besikweletu se-FICO, ama-41% aphezulu we-DTI, kumele umakadebona, ilunga lomsebenzi osebenzayo, noma umlingani ongashadile wengqalabutho ye-KIA / MIA |
| Imali mboleko yasekhaya ye-USDA | Amaphesenti angama-640 aphansi wesikweletu se-FICO, ama-41% aphezulu we-DTI, imali engenayo yonyaka ayikwazi ukudlula i-115% yemali engenayo yaseMelika, Kumele uthenge ezindaweni ezifanelekile zasemakhaya |
| I-FHA 203 (k) Imalimboleko Yokuvuselela | Ukukhokha okungu-3.5%, inani eliphansi lesikweletu le-FICO elingu-500-660, ama-45% aphezulu we-DTI, izindleko eziphansi zokuvuselela ezingama- $ 5,000 |
Khumbula ukuthi akuyona yonke imithetho ebhalwe ngenhla ebekwe ngamatshe.
Isibonelo, ungakwazi ukufanelekela ukuthola imalimboleko ye-FHA ngamanqaku wesikweletu aphansi njengama-500, inqobo nje uma ungakhokha imali engu-10%.
Noma ungakufanelekela ukuthola imalimboleko kaFannie Mae ngesilinganiso sokuthola isikweletu size sifike kuma-50%, esikhundleni sama-43%. Kepha uzodinga ezinye izinto ezinxephezelayo (njenge-akhawunti enkulu yokonga) ukuze ufaneleke.
Ngakho hlola izinketho zakho zemalimboleko. Noma ngabe unezimo ezikhethekile, mhlawumbe kulula ukuthi ufaneleke njengomthengi wokuqala ekhaya kunalokho ucabanga.
Ungazifanelekela Kanjani Izibonelelo Zokuqala Zomthengi Wekhaya
Njengomthengi wokuqala ekhaya, ukuthola imali yezindleko zakho zokukhokha nokuvala kungenye yezingqinamba ezinkulu. Ngenhlanhla, kunezibonelelo nezinye izinhlelo ezitholakalayo zokusiza.
Yonke imibuso ezweni ine ejensi yezezimali yezindlu , futhi bonke banikela ngezinhlelo ezikhethekile zabathengi bokuqala, kusho u-Anna DeSimone, umbhali we-Housing Finance 2020.
Uqhubeka athi: Cishe zonke lezi zinhlaka zinohlelo lokusiza ukukhokha phansi. Lezi zinhlelo zivame ukunikela ngezibonelelo ukukusiza ukukhokhela imali yakho yokukhokha, imali okungenzeka ukuthi awudingi ukuyikhokha.
Noma, usizo lungahle lube ngesimo semalimboleko, okukhokhwa kwayo kungahlehliswa kuze kuthengiswe ikhaya noma kuthengiswe kabusha imali ebanjisiwe.
UDeSimone uphawula ukuthi ama-ejensi ajwayele ukunikeza izibonelelo ezilingana no-4% wentengo yokuthenga yekhaya. Futhi izinhlelo eziningi zinikeza nosizo olwengeziwe ukukhokhela izindleko zokuvala.
Vele, ukuthi ufanelekile yini ukuthola isibonelelo sokuqala somthengi kuzoncika kulokho okutholakala endaweni yangakini.
U-Angel Merritt, umphathi wezezimali weZeal Credit Union, uchaza ukuthi lolu hlelo ngalunye lunezidingo ezahlukahlukene zeziqu.
Imvamisa, uzodinga isilinganiso esincane sesikweletu esingu-640. Futhi imikhawulo yemali engenayo ingasuselwa kusayizi womndeni nendawo yendawo, kusho uMerritt.
Uyaphawula ukuthi, esifundazweni sakhe, uhlelo oludumile yi izibonelelo ezivela eMichigan State Housing Development Authority , ekhipha kuze kufike ku- $ 7,500 ngosizo lokukhokha oluphansi.
Ngubani othathwa njengomthengi wokuqala ekhaya?
Noma ngubani othenga ikhaya lakhe lokuqala ngokuzenzekelayo ungumthengi okokuqala ngqa.
Kepha kholwa noma ungakukholwa, abathengi abaphindayo kwesinye isikhathi bangafaneleka futhi njengabathengi okokuqala ngqa emakhaya, okubavumela ukuthi bafanelekele izinhlelo ezikhethekile zemalimboleko nosizo lwezezimali.
Kuzinhlelo eziningi, okokuqala umthengi wasekhaya umuntu obengenayo impahla eminyakeni emithathu edlule. -Ryan Leahy, Umphathi Wezentengiso kwaMortgage Network, Inc.
Kuzinhlelo eziningi, umthengi wokuqala wekhaya umuntu ongenayo impahla eminyakeni emithathu edlule kusho uRyan Leahy, umphathi wezentengiso weMortgage Network, Inc.
Lokho kuyizindaba ezinhle ikakhulukazi kubathengi be-boomerang ababenomuzi esikhathini esedlule kepha badlula ekuthengisweni okufushane, ekuchithweni, noma kokuqothuka.
Ngaphansi komthetho weminyaka emithathu, laba bantu banendlela elula yokubuyela kubuninikhaya ngokubolekwa kwemali yokuqala yomthengi kanye nezibonelelo.
Amathiphu Abathengi Bokuqala Bekhaya Emakethe Yanamuhla
USuzanne Hollander ungummeli wezezakhiwo futhi ungumfundisi oholayo eFlorida International University. Uthi, ngokujwayelekile, abathengi bokuqala nabo badinga ukuqinisekisa okungenani iminyaka emibili yemali engenayo nomsebenzi wamanje.
Ngokwengeziwe, ababolekisi abaningi bebelokhu bekhuphula ngokushesha inani eliphansi lesikweletu elidingekayo ukuze bakwazi ukuthola imali mboleko eminingi muva nje ngenxa yokukhathazeka kwe-COVID-19, kusho uHollander.
Usizo lwabathengi bokuqala ekhaya
I- izibonelelo kanye nezinhlelo zemalimboleko Ochwepheshe babathengi bokuqala bezindlu bayatholakala emadolobheni nasezifundeni kulo lonke elase-United States. Lezi zinhlelo zihlinzeka ngosizo yokukhokha phansi kanye / noma izindleko zokuvala ngezindlela ezahlukahlukene, kufaka phakathi izibonelelo, imali mboleko engenzalo, kanye nemalimboleko yokukhokha ehlehlisiwe.
Kudingeka ngokuvamile izinkokhelo eziphansi . Imihlahlandlela imboza ukuthi umthengi kumele ahlale isikhathi esingakanani ekhaya, lapho ikhaya likhona, lapho umthengi ahlala khona noma asebenza khona manje, kanye nenani eliphakeme lemali engenayo yasekhaya yomfakisicelo.
Yazi amaphuzu akho esikweletu
Enye yezimanga ezinkulu kunazo zonke abathengi basekhaya ababhekana nayo yi- amaphuzu aphansi esikweletu . Lokhu kungenzeka ngezizathu eziningi. Kungenzeka ukuthi ukhohliwe ukukhokha isikweletu sakho sekhadi lesikweletu isikhashana. Mhlawumbe awukaze ubhalisele ikhadi lesikweletu, okungasho ukuthi awunawo umlando wesikweletu osunguliwe. Kukhona futhi kungenzeka okungajwayelekile ukuthi uhlupheke ngokwebiwa kobunikazi okwehlise kakhulu amaphuzu akho esikweletu.
Akunandaba ukuthi siyini isizathu, amaphuzu aphansi esikweletu kungasho isidingo esikhulu sokukhokha phansi noma isilinganiso senzalo esiphezulu somthengi wasekhaya . Kungakho kungcono ukuhlala unolwazi futhi ubheke izinga lakho le-FICO ukuze ungahlangabezani nezimanga ezingathandeki. Uma ukhathazekile ngesilinganiso sakho sesikweletu, nazi ezinye izinyathelo ongazithatha:
- Hlola umbiko wakho wesikweletu. Uma wazi ukuthi yini ekuyo, awudingi ukuchitha isikhathi namandla ukuqagela. Bheka ukuthi awekho yini amaphutha futhi uma kunjalo, xoxani.
- Khokha izikweletu zakho ngekhadi lesikweletu. Setha izinkokhelo zezikweletu zomsebenzi nge-akhawunti yekhadi lesikweletu egameni lakho ukusiza ukusungula isikweletu.
- Khokha ngesikhathi! Ukukhokha emuva kwesikhathi noma sekwephuzile kungahlala kwirekhodi lakho iminyaka, okwenza ababolekisi bazizwe sengathi ukukunika imali yokubambisa kungaba yingozi.
Izinsiza zosizo lokukhokha phansi
Imali ekhokhwayo ephansi ukukhokha kokuqala lapho wenza ukuthenga ikhaya. Kubonakala njengokutshala kwakho imali kubambiso, njengoba ungalahlekelwa yikho uma ungahlangabezani nezinkokhelo ezilandelayo zanyanga zonke. Ngenkathi izimali mboleko eziningi ezijwayelekile zidinga ukukhokhelwa phansi okufika kumaphesenti angama-20 entengo ephelele yokuthenga, Imali mboleko ye-FHA yenza izinto zibe lula ngokufuna ukukhokhelwa okungamaphesenti ama-3.5 .
Kunoma ikuphi, ukonga imali ekhokhwayo ephezulu ekhaya kungaba umthwalo, ngakho-ke isinyathelo esihlakaniphile sokubheka okulungile. usizo luyatholakala Lokho kuzosiza ukwehlisa ingxenye yaleyo ndleko. Izinhlangano eziningi zikahulumeni nezasekhaya zinikela ngezinhlelo zosizo, njengezinkokhelo eziphansi zokukhokha, kubathengi abafanelekile bokuqala emakhaya ukubasiza ukubhekana nezindleko zokukhokha nokuvala izindleko.
Qiniseka ukuthi usebenzisa ama-Down Payment Assistance Programs ahlinzekwa yisifunda sakho, umasipala noma izwe ukusiza ukwehlisa izindleko zakho zokuqala zempahla. Thola ifayela le- phansi uhlelo losizo lokukhokha endaweni yangakini.
Lokhu kwenzeka ngoba umbolekisi wokuqala uthengisa ichibi lezimalimboleko ze-FHA kubatshalizimali emakethe yesibili. Abatshalizimali babathenga ngengeniso yemali engenayo, futhi abanantshisekelo yokubeka engozini imalimboleko ngamanani aphansi esikweletu ngalesi sikhathi.
URandall Yates, oyi-CEO yeThe Lenders Network, uyavuma.
Abanye ababolekisi ababekade bemukela amaphuzu angama-580 esikweletu se-FHA bakhuphule lelo nani lincane lisuka ku-620 laya ku-660, kusho uYates.
Uma unenkinga yekhredithi, ngincoma ukusebenzisa sonke isikhathi esengeziwe esinaso ngalesi sikhathi sokuvala ukwenza ukuthi isikweletu sakho sime kahle.
Ukuze uthuthukise amaphuzu akho esikweletu, uHollander uncoma lezi zeluleko:
- Shayela inkampani yakho yekhadi lesikweletu bese ucela ukwanda kulayini wakho wesikweletu.
- Gcina ibhalansi yakho ingaphansi kwama-30% womkhawulo wakho wesikweletu ovunyelwe
- Uma ungakwazi ukukhokha isikweletu ngesikhathi, shayela inkampani yakho yekhadi lesikweletu bese ucela ukuhlehliswa ngaphandle kombiko omubi kwi-credit bureau yakho.
Futhi khumbula: okokuqala noma cha, ungathola ababolekisi bezimisele ukunikela ngokuguquguquka ngeziqondiso zabo.
Ngakho-ke, ikakhulukazi uma usuzokwazi ukuthola imali yokubambisa ngempahla, qiniseka ukuthi uthenga eduze futhi ubuze imibuzo eminingi ngaphambi kokukhokha imali mboleko.
Lapho ufaka isicelo semalimboleko yendlu, ungesabi ukubuza imibuzo mayelana nezidingo zeziqu, kusho uMerritt.
Uma uchwepheshe wakho wemalimboleko engathandi ukuchaza konke, thola omunye umbolekisi, uMerritt uncoma.
Thola ukuthi ufanelekile yini njengomthengi okokuqala ngqa
Indlela engcono yokunquma ukuthi uyakufanelekela yini ukuthola izibonelelo noma usizo ukuxhumana neziphathimandla zezindlu edolobheni noma edolobheni lapho ufuna ukuthenga khona ikhaya, kweluleka uLeahy.
Qaphela ukuthi izibonelelo zokukhokha eziphansi kanye nosizo lwezindleko zokuvala azikhangiswa kabanzi. Kungadingeka ukuthi uzenzele owakho ukuthola izinsizakusebenza ezitholakalayo nezikufanelekelayo.
Uma kukhulunywa ngemali mboleko yezindlu, izinto zilula kancane.
Ungathola ukuthi yini oyifanelekela, kanye nenani lenzalo yakho yesikhathi esizayo kanye nenkokhelo yanyanga zonke, ngokumane nje uthenge ku-inthanethi.
Okuqukethwe
- Izimalimboleko nezinhlelo ze-FHA zabathengi bokuqala
- Imalimboleko ye-FHA Yabathengi Bokuqala Bekhaya
- Funda ngezindleko zokuvala ze-FHA
- Imikhawulo yemalimboleko engama-2021 FHA
- I-MIP yimali yakho yomshwalense wempahla ebanjiswayo
- Amanani we-MIP wemalimboleko ye-FHA iminyaka engu-15
- Ungayifanelekela kanjani Imalimboleko Yomthengi Wekhaya Wokuqala
- Ungazifanelekela Kanjani Izibonelelo Zokuqala Zomthengi Wekhaya
- Ngubani othathwa njengomthengi wokuqala ekhaya?
- Amathiphu Abathengi Bokuqala Bekhaya Emakethe Yanamuhla
- Usizo lwabathengi bokuqala ekhaya
- Yazi amaphuzu akho esikweletu
- Izinsiza zosizo lokukhokha phansi
- Thola ukuthi ufanelekile yini njengomthengi okokuqala ngqa