11/20/2023

Mukalowa mu gawo la eni nyumba, chimodzi mwazosankha zofunika kwambiri ndikusankha mtundu woyenera wa ngongole.Zina mwazosankha zambiri, ngongole wamba, ndi ngongole zothandizidwa ndi boma za VA, FHA, ndi USDA ndizodziwika kwambiri.Iliyonse mwa ngongoleyi imakwaniritsa zosowa zosiyanasiyana, zovuta zachuma, ndi njira zoyenerera, zomwe zimapangitsa kusankha kukhala gawo lofunikira pakugula nyumba.

M'nkhani yathu yapitayi, 'Kumvetsetsa Ngongole Zobwereketsa Zokhazikika ndi AAA LENDINGS,' tidafotokoza za ngongole wamba ndikuwunika mawonekedwe ake ndi zabwino zake.Lero, tikufufuza mozama poyerekeza Ngongole za VA, FHA, ndi USDA.Kupyolera mu kufananitsa uku, tikufuna kukudziwitsani bwino zamtundu uliwonse wa ngongole.Kudziwa izi kudzakuthandizani kusankha chinthu chobwereketsa chomwe chikugwirizana ndi zosowa zanu.

 

Ngongole Zachizolowezi: Chosankha Chodziwika Kwambiri

Ngongole zanthawi zonse, zosatetezedwa ndi bungwe lililonse la boma, zimakhala ngati chisankho chodziwika kwa ogula nyumba ambiri.Chizindikiro chawo ndi kusinthasintha, kupereka mawu osiyanasiyana (zaka 15, 20, kapena 30) ndi mitundu (mitengo yokhazikika kapena yosinthika).Kusinthasintha kumeneku kumawapangitsa kukhala oyenera kwa anthu ambiri obwereketsa, makamaka omwe ali ndi mbiri yamphamvu yangongole komanso amatha kubweza ndalama zambiri.

Komabe, kusinthasintha uku kumabwera ndi zofunikira zina.Ngongole wamba nthawi zambiri zimafunikira mangongole apamwamba komanso zolipirira zocheperapo poyerekeza ndi anzawo omwe amathandizidwa ndi boma.Kuphatikiza apo, ngati malipirowo ali ochepera 20%, obwereketsa amayenera kulimbana ndi mtengo wowonjezera wa inshuwaransi yanyumba yachinsinsi (PMI), ndikuwonjezera kulipira pamwezi.

VA Ngongole: Kutumikira Amene Amatumikira
Zopangidwira ma veterans ndi omwe amagwira ntchito, ngongole za VA zimapereka mawu abwino kwambiri pamsika wanyumba.Chinthu chochititsa chidwi kwambiri ndicho kusalipira ndalama, mpumulo waukulu kwa iwo omwe sangathe kusonkhanitsa ndalama zambiri.Kuphatikiza apo, kusowa kwa PMI kumachepetsa mavuto azachuma pamwezi, kupangitsa kuti eni nyumba apezeke.

Komabe, ngongole za VA zilibe malire.Zimaphatikizapo chindapusa chandalama (chochotsedwa kwa ena), ndipo pali mfundo zokhwima zokhudzana ndi kuyenerera kwa obwereka ndi mitundu ya katundu omwe angagulidwe.Ngongolezi ndi za msonkho ku usilikali, zomwe zimapereka phindu lalikulu koma zimangokhala ku gulu linalake la obwereka.

Ngongole za FHA: Kutsegula Zitseko Kwa Ambiri
Ngongole za FHA, mothandizidwa ndi Federal Housing Administration, ndizosangalatsa kwambiri kwa ogula nyumba koyamba komanso omwe ali ndi mbiri yocheperako.Zofunikira zawo zotsika zangongole komanso kuthekera kobweza ndalama zotsika mpaka 3.5% zimatsegula chitseko cha eni nyumba kwa ambiri omwe sangatsatire.

Komabe, ngongole za FHA zimanyamula zolemetsa za Mortgage Insurance Premiums (MIP), zomwe zimatha moyo wonse wa ngongoleyo ngati malipirowo ali pansi pa 10%.Mtengo wopitilirawu, limodzi ndi malire ochepera angongole ndi malamulo okhwima a katundu, ndi zinthu zomwe obwereka amayenera kuziganizira molingana ndi kupezeka kwa ngongolezi.

Ngongole za USDA: Njira yakumidzi yaku America yopita ku umwini wanyumba
Ngongole za USDA zimayang'ana anthu osiyanasiyana, ndicholinga cholimbikitsa eni nyumba kumidzi ndi madera ena akumidzi.Ngongolezi ndi zabwino kwa anthu omwe amapeza ndalama zochepa kapena ochepa omwe angavutike ndi kulipira pang'ono, popeza sakufuna.Kuphatikiza apo, amapereka chiwongola dzanja chochepa cha inshuwaransi yanyumba komanso chiwongola dzanja chochepa, ngakhale popanda kulipira.

Zomwe zimagwidwa ndi ngongole za USDA zili m'malo awo komanso zoletsa.Amapangidwira madera enieni komanso kuchuluka kwa ndalama zomwe amapeza, kuwonetsetsa kuti phindu likulunjika kwa omwe akufunika kumidzi.Kukula kwa katundu ndi kuchepa kwa mtengo kumagwiranso ntchito, kuwonetsetsa kuti pulogalamuyi imayang'ana kwambiri nyumba zotsika mtengo.

Kusankha Pulogalamu Yabwino Yobwereketsa Pazosowa Zanu
Ulendo wopita ku eni nyumba umapangidwa ndi malingaliro osiyanasiyana azachuma komanso aumwini.Ngongole zanthawi zonse zimapereka kusinthasintha kwakukulu koma zimafuna mbiri yapamwamba yazachuma.Ngongole za VA zimapereka zopindulitsa kwa omwe ali oyenerera koma ndizochepa.Ngongole za FHA zimachepetsa chotchinga cholowera ku eni nyumba, yabwino kwa oyamba kumene kapena omwe akumanganso ngongole.Pakadali pano, ngongole za USDA zimayang'ana kwambiri kuthandiza ogula nyumba akumidzi ndi njira zochepa.

Pamapeto pake, kusankha koyenera kubwereketsa kumadalira pamikhalidwe yamunthu, thanzi lazachuma, ndi zolinga zanthawi yayitali.Ofuna kukhala eni nyumba ayenera kupenda ubwino ndi malire a njira iliyonse, kufunafuna uphungu kwa alangizi a zachuma kuti ayendetse njira yovutayi koma yopindulitsa.Cholinga chake ndi chodziwikiratu: kupeza ngongole yanyumba yomwe simangotsegula chitseko cha nyumba yatsopano komanso yokwanira bwino mkati mwa chithunzi chachikulu cha moyo wachuma.

Kanema:Kuyenda pa Maze of Mortgage Options-Kumvetsetsa Zovomerezeka, VA, FHA, ndi USDA Ngongole

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.