Huridzi hwepamba hunodhura: Zvikwereti zveNharaunda zvisina Kurambidzwa Mari uye Chekutanga-Nguva Mutengi Benefits.

Kutenga imba kwave nyore neCommunity Loans yakagadzirirwa Primary Residence Chete. Ichi chakasarudzika chirongwa chinopa hapana LLPA shanduko yekutenga,hapana marizvirambidzo sezvimwe zvirongwa zvekubatsira, uye zvinosanganisira mikana yevanotanga kutenga imba. Uyezve, vamiririri vanogona kubatsirwa kubva kune zvimwe zvinokurudzira, zvichiita kuti ive kuhwina-kuhwina kune vatengi uye real estate nyanzvi zvakafanana.

Mamiriro Akakosha eChirongwa cheChikwereti Chenharaunda

1. Primary Residence Chete

Nharaunda Zvikwereti zvinotarisa pakubatsira vatengi kuchengetedza dzimba dzavanoda kugara madziri, kuve nechokwadi chekugadzikana kwemhuri nevanhu.

2. Hapana LLPA Kugadziridzwa kweKutenga

Kusiyana nezvigadzirwa zvechinyakare zvemortgage, hapana gadziriso yemutengo wechikwereti (LLPA) yekutenga. Izvi zvinobvumira kuenderana uye kukwikwidzana kwemitengo, kuchengetedza vatengi mari isingakoshi.

3. Hapana Zvirambidzo Zvemari Sezvimwe Zvirongwa Zvekubatsira

Kunyange zvirongwa zvakawanda zvichiisa miganho yekuwana mari, Zvikwereti zveNharaunda zvinouya zvisina zvirambidzo, zvichipa mukana wakakura wekuwana mari yemba yevatengi mumatanho akasiyana emari.

4. Yekutanga-Nguva Yekutenga Kumba Kugamuchirwa

Nharaunda Zvikwereti zvinopa vanotenga imba kekutanga pasina mimwe mipimo, zvichiita kuti zvive nyore kune vatengi vatsva kuzadzisa zvinangwa zvavo zvevaridzi vemba.

5. Kuwedzera Kukurudzira kune Agents

Real estate agents vanogona kubatsirwa kubva kune imwezve kukurudzira, kukurudzira kubatana uye kupa mubairo kuedza kwavo kubatsira vatengi kufamba munzira.

6. Tevedza Agency Guidelines

Nharaunda Zvikwereti zvinonyatso kuomerera kune ejensi nhungamiro dzakaiswa naFannie Mae naFreddie Mac. Izvi zvinogonesa kuenderana, kutevedzera, uye kuvimbika mukukodzera chikwereti, kuongororwa kwemari, uye kutariswa kwezvivakwa zvinodiwa.

Sei Kusarudza Community Loans?

Zvikwereti zveNharaunda zvinobvisa zvipingaidzo zvinowanzoita kuti muridzi wemba anzwe asingasvikike. Nezvimiro senge pasina kurambidzwa mari uye pasina LLPA zvigadziriso pakutenga, vatengi vanogona kunakidzwa nekuchinjika uye kuchengetedza mukati mekuita chikwereti.

Kune vanotenga imba kekutanga, chirongwa ichi chinorerutsa kukodzera kuwana imba, kubvisa zvipingamupinyi zvinounzwa nemiganhu yemari inowanikwa mune zvimwe zvirongwa zvekubatsira. Pamusoro pezvo, vamiririri vanobatsirwa kubva kune zvinokurudzira zvakagadzirirwa kupa mubairo kuedza kwavo, kugadzira nzira isina musono kune ese mapato anobatanidzwa.

Kukodzera uye Property Types

- Kugara: Yekutanga Yekugara Chete

- Zvivakwa Zvemhando: Dzimba dzakakodzera dzinosanganisira 1-unit, PUDs, uye 2-4 mayuniti ekugara. Condos, dzimba dzakagadzirwa, uye ivhu rekurima hazvibatanidzwe.

-FICO Score:Minimum kiredhiti mamakisi e620, zvichienderana nezvakawanikwa neAUS.

-Matemu ekukweretesa: 15-gore uye 30-gore-yakagadziriswa-reti zvikwereti, zvinosanganisira agency yakakwirira-yepakati sarudzo.

Mhedziso

Kana uri wekutanga kutenga imba kana mumiririri ari kutsvaga chirongwa chakavimbika, Community Loans inopa mhinduro yakakwana. Pasina zvigadziriso zveLLPA pakutenga, hapana zvirambidzo zvemuhoro sezvimwe zvirongwa zvevabatsiri, uye tarisiro yePrimary Residence Chete, chirongwa ichi chechikwereti chinorerutsa uye kukwenenzvera nzira yekuva muridzi wemba.

Ongorora mabhenefiti eCommunity Loans nhasi uye ona kuti chirongwa ichi, chakabatana nemazano esangano, chinogona kukubatsira sei kuzadzisa chiroto chako chekuva imba zviri nyore.