Mawu ofunika: FHA;Ndalama Zochepa;Wamba;Ngongole za Mortgage.
FHA vs Mitundu Yangongole Yachilendo: Ndi Iti Yoyenera Kwa Ine?
Ngongole ya FHA imalola kuti pakhale ndalama zochepa zangongole ndipo zimakhala zosavuta kuzikwaniritsa kuposa ngongole wamba.Komabe, ngongole zanthawi zonse sizingafune inshuwaransi yanyumba yokhala ndi malipiro akulu okwanira.Phindu la FHA vs wamba kutengera zosowa za wobwereketsa.
Tiyeni tiwone mitundu yonse ya ngongole zanyumba kuti zikuthandizeni kusankha chomwe chili choyenera kwa inu.
FHA vs Tchati Chofananitsa Ngongole Zachizolowezi
|
| Ngongole yokhazikika 97 | Ngongole ya FHA |
| Malipiro ochepera | 3% | 3.50% |
| Ndalama zochepa zangongole | 620 | 580 |
| Malire a ngongole a 2021 (m'madera ambiri) | $548,250 | $356,362 |
| Malire a ndalama | Palibe malire a ndalama | Palibe malire a ndalama |
| Zopereka zochepa zotuluka m'thumba | 0% (Zolipira zotsika ndi zotseka zitha kukhala 100% ndalama zamphatso, zopereka, kapena ngongole) | 0% (Zolipira zotsika ndi zotseka zitha kukhala 100% ndalama zamphatso, zopereka, kapena ngongole) |
| Inshuwaransi yanyumba | Kulipira pamwezi kumafunika ngati muli ndi malipiro osachepera 20%, koma kawirikawiri, galimoto ya inshuwalansi imatha pamene chiŵerengero chanu cha ngongole chikufika pa 78%. | Malipiro apatsogolo ndi pamwezi, panthawi yobwereketsa nyumba, amafunikira. |
FHA vs. Ngongole Zanthawi Zonse: Kusiyana Kwakukulu
Ngongole za FHA zimafuna inshuwaransi yobwereketsa mosasamala kanthu za ndalama zomwe zabweza, poyerekeza ndi ngongole zanthawi zonse pomwe mumafunika inshuwaransi yanyumba kuti muthe kulipira pansi pa 20%.Malipiro a inshuwaransi ya FHA adzakhala chimodzimodzi mosasamala kanthu za ngongole yanu.
Ngongole za FHA
Ngongole zotsika zololedwa
Miyezo yokhazikika ya katundu
Kulipira kocheperako komwe kumafunika
Private Mortgage Inshuwalansi (PMI) ndiyofunikira pakubweza ndalama zosakwana 20%
Ngongole Zachizolowezi
Ngongole yapamwamba yofunikira (osachepera 620)
Ndalama zocheperako zololedwa
Private Mortgage Inshuwalansi (PMI) ndiyofunikira pakubweza ndalama zosakwana 20%
Miyezo yowonjezereka ya katundu waufulu
Ngati ndinu ogula nyumba koyamba kapena mukuyang'ana kukonzanso ndalama, mwina mukudzifunsa mafunso awa.Zosiyanasiyana zimafuna mitundu yosiyanasiyana ya ngongole.M'nkhaniyi, tiwona za FHA ndi Ngongole Zachikhalidwe.Pogwiritsa ntchito zitsanzo, nkhaniyi ikupatsani kumvetsetsa bwino za mitundu iwiri ya ngongole, ubwino wake ndi zovuta zawo.
Nthawi yotumiza: Jan-20-2022