Kumvetsetsa Ngongole Zosasunthika Zazaka 30 za Ma Condo Osavomerezeka

Mukamayendera dziko lovuta lazachuma, makamaka ku United States, munthu angakumane ndi mawu enaake omwe angawoneke ngati ovuta. Mawu awiri otere ndi "Non-Agency zaka 30 zokhazikika" ndi "Non-Warrantable Condo." Kumvetsetsa mfundozi n'kofunika kwambiri kwa iwo amene akufunafuna chiwongola dzanja cha malo apadera.

Kodi Ngongole Yosasunthika Yazaka 30 Ndi Chiyani?

Ngongole Yopanda Bungwe la 30-Year Fixed ndi mtundu wangongole womwe sugwirizana ndi malangizo omwe amaperekedwa ndi mabungwe omwe amathandizidwa ndi boma mongaFannie Maekapena Freddie Mac. Mosiyana ndi ngongole wamba, ngongole Zopanda Mabungwe nthawi zambiri zimaperekedwa ndi obwereketsa wamba ndipo zimatha kusinthasintha malinga ndi momwe amachitira. Chigawo cha "30-Year Fixed" chikutanthauza kuti chiwongoladzanja sichisintha kwa zaka 30, kupereka kukhazikika ndi zodziwikiratu pakulipira pamwezi.

Kumvetsetsa Ma Condo Osavomerezeka

Condo Non-Warrantable Condo ndi kondomu yomwe simakwaniritsa zomwe Fannie Mae kapena Freddie Mac amapereka pazachuma wamba. Izi zingaphatikizepo zinthu monga umwini wopeza ndalama zambiri, kumanga kosakwanira, kapena kusowa kwandalama m'mabungwe a condo. Chifukwa cha izi, Ma Condo Osavomerezeka nthawi zambiri amawonedwa kuti ali pachiwopsezo chachikulu ndi obwereketsa.

Chifukwa Chiyani Musankhe Ngongole Yopanda Bungwe Lazaka 30 Yokhazikika pa Condo Yopanda Warrantable?

Kupeza ngongole yanyumba ya Non-Warrant Condo kumatha kukhala kovuta chifukwa chakuchuluka kwake pachiwopsezo. Apa ndipamene ngongole Yopanda Bungwe la 30-Year Fixed imakhala njira yabwino. Popeza ngongole zomwe si Zabungwe sizimayenderana ndi zofunikira za mabungwe omwe amathandizidwa ndi boma, atha kupereka mfundo zochepetsera zolembera. Kusinthasintha kumeneku kungakhale kopindulitsa makamaka kwa iwo omwe akufuna kugula Condo Yopanda Warrantable.

Ubwino Wongongole Yopanda Bungwe Lazaka 30 Zokhazikika

1. Kusinthasintha mu Kuvomerezeka: Obwereketsa omwe si Abungwe atha kuganizira zinthu zingapo akavomereza ngongole, zomwe zimapangitsa kuti ogula a Non-Warrantable Condos athe kukwanitsa.
2. Malipiro Okhazikika: Chiwongoladzanja chokhazikika pazaka 30 chimatsimikizira kuti malipiro a mwezi uliwonse amakhalabe osasinthasintha, kuthandiza eni nyumba kusamalira ndalama zawo bwino.
3. Mwamakonda Mayankho: Obwereketsa omwe si a mabungwe nthawi zambiri amapereka njira zothetsera ngongole kuti akwaniritse zosowa zapadera za obwereka, zomwe ndi zabwino kwa iwo omwe akugula Ma Condo Osavomerezeka.

Mapeto

Kuyendera malo obwereketsa ndalama kwa Non-Warrantable Condos kungakhale kovuta, koma kumvetsetsa zomwe zilipo kungapangitse kuti ntchitoyi ikhale yosavuta. Ngongole Yopanda Bungwe la 30-Year Fixed imapereka njira yabwino yopezera ndalama zapaderazi, kupereka kusinthasintha komanso kukhazikika. Posankha mtundu uwu wa ngongole, oyembekezera ogula amatha kuteteza nyumba ya maloto awo popanda kuletsedwa ndi malire a ndalama wamba.

Mwachidule, ngati mukuganiza zogula Condo Non-Warrantable Condo, kuwona ngongole Zosasunthika za Zaka 30 za Non-Agency zitha kukhala kiyi yotsegulira zolinga zanu za eni nyumba.