Kutenga musha wokutanga kunoratidzira chimwe chezvinokosha zvikurusa zvemari muupenyu hwomunhu. Nepo muitiro wacho unogona kunzwa wakakomba, kunzwisisa michina yemari iri shure kwawo (_zvikurukuru mubhadharo wemari) kunogona kuita musiano pakati penyongano nechivimbo. Nokuda kwavatengesi vemusha venguva yokutanga, chinodikanwa chiduku chinobhadharwa kazhinji kazhinji ndicho chipingamupinyi chikuru. Iyi nhungamiro inoputsa mitsara yemari, zvitsama zvinodikanwa kugura mapurogiramu akasiyana - siyana edzimba, zvinhu zvinopesvedzera izvi zviverengero, uye nzira dzinoshanda dzokushandisa kutenderera basa rose.

Chii Chaizvo Chiri Mubhadharo Wakaderera?

Mubhadharo wakaderera imari yaunounza kutafura yokupfiga, inobhadharwa zvakananga kumutengo wokutenga wemusha. Inowanzoratidzirwa sechikamu muzana chomutengo wose unotengeswa.

Iyi danda rokuita zvinhu zvakaenzana inopfuura udzame hwechibvumiranowo zvacho. Vabhadhari vanorangarira muripo wako wakaderera somwero wezvipiwanwa zvemisengwa nesimba remari. Kana ukapa mari yakawanda kubva mumari yako umene, mukweretesi anoisa mungozi shoma.

Chikonzero Nei Mari Yokubhadharwa Ichikosha Kurwendo Rwako Rwomusha

Kuderedza mari inobhadharwa kunobatira zvinangwa zvakawanda zvinopfuura zvikuru kukwanisa kuwana chikwereti. Hedzino betsero huru:

  • [[FT:0] Izvo unenge wambomira:[[FT:1] Nguva yaunoguma, muripo wako wakaderera unosvika pamusha. Kana ukaisa 10% pasi, une 10% yezvinhu chose chose pazuva rimwe, iro rinogona kuva giramu yemari gare gare kana uchida kukwereta kana kuti kutengesa.
  • Chikwereti chemari yakaderera zvikuru: Mubhadharo wakakwirira unoderedza zvakananga mukuru wako, kuchiguma neripo duku rechikwereti chemwedzi nomwedzi. Kupfuura nhambo yamakore 30, kunyange chitsama chakati deredzei chinogona kuponesa makumi ezviuru mumhindu.
  • Mitemo yechikwereti iri nani: Vakwerete vanowanzoripira mibhadharo yakakura zvikuru nemwero yemubereko wakaderera nemhaka yokuti reshiyo yechikwereti kuuremu hweTV yakanakisisa. Zviratidzo zvakaderera zveLTV zvinoderedza ngozi.
  • Hapana inishuwarenzi yechikwereti chapachivande: Kana uchigona kusvika 20% chikwereti chenguva dzose, inishuwarenzi yechikwereti chapachivande (PMI) haidikanwi. Ikoko kwoga kunogona kuchengetedza $30 kusvika ku $70 pamwedzi woga woga nokuda kwe $70 000 000 [Z $1] yakakweretwa, mari inoendeswa kukuita kuti ive yakaenzana kana kuti dzimwe nharidzano.
  • inopa: Mumisika yamakwikwi, mutengi ane muripo mukuru kazhinji kazhinji anoratidzika kuva akavimbika zvikuru kuvatengesi, achigona kukunda hondo.

Zvinodikanwa Zviduku Zvokubhadharwa Nerudzi Rwokuzvinyima

Mari inodiwa inotsamira parudzi rwerimo raunosarudza. Pano pane kuongorora kwakazara mapurogiramu echikwereti anozivikanwa navose anowanika kuvatengi venguva yokutanga.

Kutsikwa Kwemazai

Zvikwereti zvekokorodzano hazvipiwi nehurumende yehurumende uye zvinopiwa navakweretesi vomunhu oga vanotevera nhungamiro dzinoiswa naFannie Mae naFreddie Mac. Kuvatengi venguva yokutanga, muripo muduku unogona kuva wakaderera se3% pasi peFannie Home Eapply® naFreddie Mac Home Mareat® purogiramu. Zvikwereti zvamagamuchidzanwa zvinowanzokumbira inenge 5% pasi.

Zvisinei, kuderedza mari inokwana 20% yechikwereti chemari inogamuchirwa kunoparira chinodikanwa cheinishuwarenzi yechikwereti chomunhu oga. PMS mari inotsaurirwa pachikwereti, uwandu hwemari inobhadharwa, nezvimwe zvinhu. Inogona kubviswa kana LTV ikasvika 80% kupfurikidza nokubhadhara nokuonga, asi ikoku kunotora nguva.

FHA LOAns

Zvikwereti zvakadzorwa neFederal Howard Administration, FHA zvakakurumbira pakati pavatengesi vepamusha venguva yokutanga nemhaka yokuti vanoda kubhadharwa kuduku kwe3,5% bedzi kuvakwereti vane chikwereti cha580 kana kuti pamusoro apa. Kana chikwereti chiri pakati pe500 na59, kubhadharwa pasi 10% kunodikanwa. FHA udzame hwechikwereti hunogona kuwanwa pawebsite yeHUD[

FA zvikwereti zvinosanganisira mari yeinishuwarenzi yechikwereti chepanzvimbo yakaderera (UFMIP) uye mari yeinishuwarenzi yepagore (MIP), iyo inosara kuti irambe iripo kana ukaisa mari iri pasi pe10%. Mutengo uyu unofanira kuenzaniswa nezvinodiwa zvakaderera.

Va Loans

Nokuda kwenyanzvi dzinoshanda, mitezo yebasa inoshingaira, uye vakwanyina vakati vakasara, zvikwereti zveVA zvinopa imwe yenzira dzinokwezva zvikurusa: zero pasi mubhadharo unodikanwa. Department of Veterans Affairs rinovimbisa chikamu chechikwereti, kubvisa kudikanwa kweinishuwarenzi yechikwereti chemba. Vakwerete vachiri kubhadhara mari yeVA, asi inogona kubhadharwa mumutengo wechikwereti. Peji yezvikwereteso zvepamusha nokuda kwamashoko akawanda [.

USDA Loans

Department of Agriculture reU.S. rinovimbisa zvikwereti zvemisha munharaunda dzomumaruwa nemumusha dzakarongwa kupfurikidza neHospital Shutterd Loan Program. Nokuda kwaavo vanokwaniriswa vakavakirwa pawara nemari nenzvimbo, mari yechikwereti iri madikanwa. chikwereti cheUSDA chinoda mubhadharo wapamberi wevimbiso nemubhadharo wegore negore, asi zvose zviri zviviri zvinowanzova pasi peinishuwarenzi yemari yefanidzo yemari yemari. USDA inowanika pawebsite ye FLT:0

Nyika Nezvirongwa Zvomunzvimbomo

Kupfuura zvisarudzo zvehurumende, nyika dzakawanda, maruwa, uye maguta zvinopa zvirongwa zvechienzi izvo zvinoderedza kana kuti kubvisa zvinodikanwa zvokubhadharisa nokuda kwavatengi venguva yokutanga. Izvozvi zvinowanzouya muchimiro chezvikwereti, zvikwereti zvinokanganwirwa, kana kuti mari inoripirwa yechipiri. Programu dzinosiana nenzvimbo uye dzingava neganhuriro dzemari, mutengo wemari, kana kuti kudikanwa kosi dzedzidzo dzemari dzepamusha. Kunzvera nesangano remari rekondiro redzimba inhano yokutanga.

Zvinhu Zvinogona Kudzora Kubhadharwa Kwako

Kunyange mugadziriro yakati yechikwereti, migariro inoverengeka yomunhu oga uye yezvinhu zvinogona kutapura kubhadharwa kushoma kuchadiwa nomukweretesi.

  • Chitsama chapamusoro: Chinobvumira kazhinji kazhinji mubhadharo muduku pasi pazvikwereti zvechinyakare ne FHA. Zvikwereti zviri pasi pe 580 zvinogona kusundira zvinodikanwa kumusoro zvikuru kana kuti kuita kuti mvumo iome.
  • Debt-to tai tawanwa (DTI):[[FT:1] Vakwerete vanoshandisa DTI kuyera mano ako okushandisa mari inobhadharwa mwedzi nomwedzi. DTI yakaderera ingadzosa mubhadharo muduku kupfurikidza nokuratidza kufambisa mari kwakasimba.
  • Rudzi rweProperty: Condominiums, masutumu akawanda, uye misha yakagadzirwa inogona kutakura mari yakasiana. Somuenzaniso, chikwereti chamaodha panzvimbo yeyuniti 2 kazhinji kazhinji chinoraira inenge 15% pasi.
  • [[Nto:0] Chitsama chemari: nzvimbo dzemari yakakwirira dzingasundira ganhuriro dzechikwereti pamusoro peganhuriro dzinowirirana, kuchikuchidzira zvinodikanwa zvechikwereti zvejumbo izvo kazhinji kazhinji zvinovamba pa 10% kusvikira ku 20% kusvikira kuvuremu kana kuti kupfuura.
  • [ Kubhadharwa: Kuwana mari nokuda kwedzimba dzokutanga kazhinji kazhinji kunoderedza zvinodikanwa zvokuripira kupfuura izvo zvedzimba zechipiri kana kuti zvinhu zvemitengo yemari.

Kupunza Nhema Dzokubhadharwa Dzinosvika 20%

Vatengi vazhinji venguva yokutanga vanodavira kuti 20% iri mubhadharo wakaderera. Chaizvoizvo, mukuwirirana neNational Association of Realtors, mutengi wenguva yokutanga akanga ari 8% muna 2023, uye vazhinji vakaderedza 0 /6%. Zvikwereti zvehurumende zvakatsiviwa nepurogiramu dzemari dzinobhadharwa pasi dzakaita kuti muridzi weimba asvike nemari shoma zvikuru.

Nepo 20% ichibvisa PMS ndokugovera muripo wakaderera womwedzi nomwedzi, makore akamirira kuchengeta mari iyoyo huru inogona kudhura mikana sezvo mitengo yemusha uye mwero yemubereko inokwira. Kutenga nemari shomanene pasi gare gare kunogona kuva chiito chakafanira. Chinokosha ndechokushandisa nhamba, kubatanidza PMI, uye enzanisa ndyiko dzemwedzi nomwedzi nenhambo refu mubhajeti yako.

Kuchengetedza Mari Yemari Pamusha Wokutanga

Kuwana kunyange muripo usina kunyanyisa kunoda chirango, asi mazano anoverengeka anogona kukurumidzisa fambiro mberi.

Gadza Chinangwa Chako Nenguva

Tanga kupfurikidza nokunzvera mitengo yapamusha munharaunda yako yawakaronzesa. Shandisa chiverengero chakakwana chemari inobhadharwa, zvakadai se 3.5% nokuda kwechikwereti cheFHA kana kuti 5% nokuda kwechikwereti chenguva dzose. Ipapo shanda shure: kana uchida $2 000 mumwedzi 24, unofanira kutsaura $500 mwedzi uri wose. Nharidzano yakajeka, yenhamba inoita kuti kuchengetedze kuve kwakajeka zvikuru.

Tsvaka Ropafadzo Yebhajeti

Tsvaka mari iri yose yomwedzi mumwe. Dzika zvinhu sezvinokosha kana kuti zviri nyore. Usashandisa mari yausingashandisi chinhu uye ita kuti mari yacho ive mari yakawandisa. Kutamiswa kwemari kunodzivisa muedzo uye kugadziridza kuwirirana.

Ongorora Purogiramu Dzokubetsera Dzakabhadharwa

Masangano akawanda anopa zvikwereti zvemari nemhindu yakaderera zvikuru nokuda kwemibhadharo. Programu dzakadai seChenoa Fund (FA), National Homeshers Fund, uye gadziriro dzehurumende dzedzimba dzomunzvimbomo dzinogona kufukidza chikamu kana kuti mari yose yakaderera. Kushata kazhinji kazhinji kunotsamira pamari, nzvimbo, kana kuti basa. Shandisa purogiramu dzepamusha dzinotenga peji [[FLT: 1] kuwana zvishandiso munyika yako.

Rangarira Ndyiko Dzezvipo

Gadziriro zhinjisa dzechikwereti dzinobvumira kubhadhara zvipo zvinobva kumitezo yemhuri, kana mirau yakati ichiteverwa. Vakweretesi vachakumbira chipo chinovimbisa kusatarira kubhadhara. Nokuda kweFHA nezvikwereti zvinogamuchirwa, chipo chinogona kufukidza mari yose inobhadharwa nokupfiga.Ichi chinogona kuva chitengi chine simba nokuda kwavatengi nehama dzokunyama dzinotsigira.

Kungwarira Maakaundi Okurega Basa

Anenge 401(k) urongwa hunobvumira zvikwereti kana kuti kutora zvitambudzo nokuda kwokutenga nzvimbo yokutanga yokugara. Nepo ikoku kuchigona kugovera mari nokukurumidza, kunopinza mungozi mari yokurega basa nezvirango zvingabvira. 401(k) chikwereti chinofanira kubhadharwa, uye kana wakaparadzana newaunoshandira, ganhurirwa ingava yakafanira. Ratidza tapuro yenhambo refu usati washandisa mari yokurega basa.

Inishuwarenzi Yepachivande: Zvaunofanira Kuziva

Apo mutengi anoisa pasi inopfuura 20% pachikwereti chetsika, PMI inodikanwa. Mubhadharo unogona kubhadharwa mwedzi nomwedzi, somubhadharo mumwe chete wapamberi, kana kuti kudimburwa. PMI inodzivirira mukweretesi, kwete iwe, muchinoitika chakashata. Zvisinei, inobvumira vatengi kutenga musha une mari shoma. Mutengo unosiana wakavakirwa pachikwereti chechikwereti, mutengo unoripirwa pasi, uye rudzi rwechikwereti; mari yegore negore inovambira pa 0.5% kusvikira ku 1.5% yechitsama chapakuvamba.

PaFHA zvikwereti, inishuwarenzi yechikwereti inosungirwa pasinei zvapo noukuru hwemari inobhadharwa. Mwero wegore negore wezvikwereti wezvikwereti nesati zvasvika 5% pagore ra30 inowanzova 0,5% yechikwereti pagore. Nokuderera kwe 10% kana kuti kupfuura, MIP ingabviswa pashure pamakore 11. Kuronga mari iyi pachine nguva mberi kunobetsera kusarudza pakati pezvisarudzo zvechikwereti zvemakwikwikwi.

Kusarudza Chitsama Chemari Chinobhadharwa Mamiriro Ako Ezvinhu

Kusarudza kuti woderedza zvakadini hakusi kungogona kusvitsa mari shoma yomukweretesi. Kunobatanidza kudzikamisa zvinodikanwa zvemari nokukurumidza noutano hwemari hwenguva refu. Zvibvunze mibvunzo iyi:

  • Ndine mari yakawanda sei ndisina mari yandaichengeta?
  • Ndeipi mari yose yandichabhadhara pamwedzi nemwedzi ichave yakasiyana - siyana, kubatanidza PMI nemitero?
  • Kana kuri kupera kwenguva pfupi, PMI ingasabviswa, saka kubhadhara mari yakawanda kungava kusingabatsiri.
  • Munzvimbo inotengeswa zvinhu nokukurumidza, kutenga uchikurumidza kuderedza mubhadharo kungapfuura mari yeinishuwarenzi yokuwedzera.

Kushandisa nhamba idzi nekarukori kechikwereti kana kuti mushandi wechikwereti chechikwereti kunogona kuratidza nzira inoenderana neyakanakisisa.

Vatengi Vepamusha Vanowanzotenga Nguva Yokutanga Vanoita Nebhadharo Rapasi

Kunyange vatengi vakasanogadzirirwa vanogona kugumbuka. Dzivisai idzi zvikanganiso zvinowanzoitika:

  • Ndyiko dzokuvhara dzinopanikirika: Mubhadharo wakaderera unongova bedzi rutivi rwemari inotengeswa yapamberi inodikanwa. Ndyiko dzokuvhara dzinodzorwa ne 2% kusvikira ku 5% yomutengo wokutenga uye dzinofanira kubhadharwa patafura yemusha kutoti dzaiswa muchikwereti kana kuti kufukidzwa nedzinotengwa.
  • Kuisa mari yose yakachengetwa: Kuva “varombo veimba” kupfurikidza nokunyudza mari iri yose mubhadharo pasi mubhedha haisi kusara kwekudhudhurwa kwokugadzira, mitero yenzvimbo, kana kuti zvinoitika zvoupenyu zvisingakarirwi.
  • Kubhadharira kuvakweretesi: Vakweretesi vakasiana vanogona kugovera zvinodikanwa zvakasiana - siana, mari inobhadharwa, uye mibhadharo. Kuwana kunokora mashoko kubva kuvakweretesi vatatu kunogona kuguma nokuchengeta kukuru.
  • Rubatsiro rwokupa runongova bedzi rwezvishaikwa: Mapurogiramu okuripa ane miganhu yemari yakakwana kuvawani vane mwero. Kuatarira kunosiya mari yapachena patafura.
  • [[[FT:0] Kuisa nhambo isati yavapo: Tsamba yapamberi pechitsama yapamberi pechitsama chapamberi peripo yauchada uye chitsama chechikwereti chaunogona kubhadhara. Kutsinhanisa iyi nhano kunogona kutungamirira kukuodzwa mwoyo pakutsvaka misha.

Hurumende Nezviwanikwa Zvomunzvimbomo Unofanira Kunzvera

Inodokuva nyika iri yose inopa rudzi rwakati rwebetsero yapamusha. Somuenzaniso, California House Genance Agency (CALHFA) inogovera zvikwereti zvemari yakaderera nokuda kwebetsero. Department of House and Community Affairs rinopa mapurogiramu akafanana. Maruwa mazhinji omunzvimbomo namaguta anoshandisawo zvirongwa zvavo vamene. Kutsvaka kwokukurumidza nokuda kwe “[hurumende yako] purogiramu yokutanga yokutenga musha” pamwe chete nokushanyira [[[FLT: 0] Dare reNationalal Councial of State Holication of Home Afface yeHProat

Mifungo Yokupedzisira

Kunzwisisa zvinodikanwa zviduku zvokuripirwa kunojekesa nzira kumusha ingava iri pedyo kupfuura zvaunofunga. Kuvambira padoro kusvikira pasi peVA neUSDA zvikwereti ku 3% zvisarudzo zvinogamuchirwa ne 3.5% FHA chikwereti chemota, zvisarudzo zvenguva yokutanga kuva navatengi vemari inowirirana nebhajeti yako, mari yawakachengeta, uye nharidzano dzenguva refu dzingava dzengano 20%. Kupfurikidza nokunzvera nyika negadziriro dzebetsero dzehurumende, kumhanya nhamba norutivi rwenzira, uye kudzivisa misungo yavose, unogona kukwira mumusha nechivimbo, wakashongedzerwa nezivo negadziriro inoshanda.