Kukhala Ndi Nyumba Zotsika mtengo: Ngongole Zamgulu Zopanda Zoletsa Zopanda Ndalama komanso Phindu Logula Koyamba

Kugula nyumba kwakhala kosavuta ndi Ngongole za Community zopangidwira Primary Residence Only. Pulogalamu yapaderayi ilibe zosintha za LLPA zogula,palibe ndalamazoletsa monga mapulogalamu ena othandizira, ndipo zimaphatikizapo mwayi kwa ogula nyumba koyamba. Kuphatikiza apo, othandizira amatha kupindula ndi zolimbikitsa zowonjezera, zomwe zimapangitsa kuti ogula ndi akatswiri ogulitsa nyumba apindule.

Mfundo zazikuluzikulu za Pulogalamu Yobwereketsa Zamagulu

1. Nyumba Yokhazikika Yokha

Ngongole za Community zimayang'ana kwambiri kuthandiza ogula kuti ateteze nyumba zomwe akufuna kukhalamo, kuwonetsetsa bata kwa mabanja ndi anthu pawokha.

2. Palibe Zosintha za LLPA Zogula

Mosiyana ndi zinthu zachikhalidwe zakunyumba, palibe zosintha pamitengo ya ngongole (LLPA) zogula. Izi zimalola mitengo yokhazikika komanso yopikisana, kupulumutsa ogula ndalama zosafunikira.

3. Palibe Zoletsa Zopeza Monga Mapulogalamu Ena Othandizira

Ngakhale kuti mapulogalamu ambiri amaika malire a ndalama, Ngongole Zamagulu zimabwera popanda zoletsa, zomwe zimapatsa mwayi wopeza ndalama zapakhomo kwa ogula m'njira zosiyanasiyana.

4. Koyamba Homebuyers Mwalandiridwa

Ngongole za Community zimathandizira ogula nyumba koyamba popanda malire, zomwe zimapangitsa kuti ogula atsopano akwaniritse zolinga zawo za eni nyumba mosavuta.

5. Zowonjezera Zolimbikitsa kwa Agents

Ogulitsa nyumba akhoza kupindula ndi chilimbikitso chowonjezera, kulimbikitsa mgwirizano ndi kupindula kuyesetsa kwawo kuthandiza ogula kuyendetsa bwino ntchitoyi.

6. Tsatirani Malangizo a Agency

Ngongole Zamagulu zimatsatira mosamalitsa malangizo abungwe omwe akhazikitsidwa ndi Fannie Mae ndi Freddie Mac. Izi zimatsimikizira kusasinthika, kutsata, ndi kudalirika pakuyenerera kwa ngongole, kutsimikizira ndalama zomwe amapeza, komanso kuwunika kwa katundu.

Chifukwa Chiyani Musankhe Ngongole Zamagulu?

Ngongole za Community zimachotsa zotchinga zomwe nthawi zambiri zimapangitsa kuti eni nyumba amve ngati sakufikika. Ndi zinthu monga kusaletsa ndalama komanso zosintha za LLPA zogulira, ogula amatha kusangalala ndi kusinthasintha komanso kusunga nthawi yonse yobwereketsa.

Kwa ogula nyumba koyamba, pulogalamuyi imathandizira kuti munthu ayenerere kubwereketsa nyumba, kuchotsa zopinga zomwe zimadza chifukwa cha malire a ndalama zomwe zimawonedwa m'mapulogalamu ena othandizira. Kuphatikiza apo, othandizira amapindula ndi zolimbikitsira zomwe zidapangidwa kuti zipereke mphotho pazochita zawo, kupanga njira yopanda malire kwa onse omwe akukhudzidwa.

Kuyenerera ndi Mitundu ya Katundu

- Kukhala: Nyumba Yokhazikika Yokha

- Mitundu Yazinthu: Nyumba zoyenerera zikuphatikiza 1-unit, PUDs, ndi 2-4 unit zogona. Ma Condos, nyumba zomangidwa, ndi malo olimapo saphatikizidwa.

- FICO Score:Chiwongola dzanja chochepa cha 620, malinga ndi zomwe AUS zapeza.

- Migwirizano ya Ngongole: Ngongole zokhazikika zazaka 15 ndi zaka 30, kuphatikiza zosankha zamabizinesi apamwamba kwambiri.

Mapeto

Ngati ndinu woyamba kugula nyumba kapena wothandizira kufunafuna pulogalamu yodalirika, Ngongole za Community zimapereka yankho labwino kwambiri. Popanda zosintha za LLPA zogulira, palibe zoletsa ndalama monga mapulogalamu ena othandizira, komanso kuyang'ana pa Primary Residence Only, pulogalamu yangongoleyi imathandizira ndikuwongolera njira yofikira kukhala eni nyumba.

Onani maubwino a Community Loans lero ndikuwona momwe pulogalamuyi, yogwirizana ndi malangizo abungwe, ingakuthandizireni kukwaniritsa maloto anu okhala ndi nyumba mosavuta.