Keywords: FHA;Lown-Income;Conventional;Mortgage Zvikwereti.
FHA vs Zvakajairwa Zvikwereti Mhando: Ndeipi Yakandikodzera?
Chikwereti cheFHA chinobvumira zvibodzwa zvakaderera zvechikwereti uye zvinogona kuve nyore kukwanirisa pane yakajairika chikwereti.Nekudaro, Zvikwereti zvakajairika zvinogona kusada inishuwarenzi yemongi ine hombe yakakwana yekubhadhara.Kubatsirwa kweFHA vs kwakajairika pasi kune zvinodiwa nemunhu anokwereta.
Ngatitarisei kune ese ari maviri emortgage marudzi kuti akubatsire kusarudza zvakakunakira iwe.
FHA vs Zvakajairika Zvikwereti Kuenzanisa Chati
|
| Zvakajairwa 97 chikwereti | FHA chikwereti |
| Mari shoma shoma | 3% | 3.50% |
| Zvikwereti zvishoma | 620 | 580 |
| Muganho wechikwereti we2021 (munzvimbo zhinji) | $548,250 | $356,362 |
| Muganho wemari | Hapana muganhu wemari | Hapana muganhu wemari |
| Mupiro ushoma wekubuda muhomwe | 0% (Kubhadhara pasi uye mari yekuvhara inogona kuva 100% mari yechipo, ma grants, kana chikwereti) | 0% (Kubhadhara pasi uye mari yekuvhara inogona kuva 100% mari yechipo, ma grants, kana chikwereti) |
| Mortgage insurance | Kubhadhara pamwedzi kunodiwa kana uine mubhadharo wepasi pasi pe20%, asi kazhinji, inishuwarenzi auto inopera kana chikwereti chako-ku-value chiyero chasvika 78%. | Kumberi uye pamwedzi kubhadhara, kwenguva yenguva yekubhadhara imba, inodiwa. |
FHA vs. Zvikwereti Zvakajairwa: Misiyano Yakakosha
FHA zvikwereti zvinoda mortgage inishuwarenzi zvisinei nemari yekubhadhara yakaderera, zvichienzaniswa neyakajairwa zvikwereti kwaunoda mortgage inishuwarenzi yekubhadhara pasi pasi pe20%.FHA mortgage inishuwarenzi kubhadhara kuchave kwakafanana zvisinei nechikwereti chako.
FHA Zvikwereti
Zvibodzwa zvakaderera zvechikwereti zvinobvumidzwa
Zvimwe zvimiro zvakaomarara
Muripo wakati wepamusoro unodiwa
Private Mortgage Inishuwarenzi (PMI) inodiwa pakubhadhara pasi pasi pe20%
Zvikwereti zvakajairika
Yepamusoro kiredhiti mamakisi anodiwa (angangoita 620)
Kubhadhara zvishoma zvishoma kunobvumidzwa
Private Mortgage Inishuwarenzi (PMI) inodiwa pakubhadhara pasi pasi pe20%
Mitemo yakawedzerwa yemidziyo yakasununguka
Kana iwe uri wekutanga-mutengi wemba kana uchitarisa kune refinance, unenge uri kuzvibvunza mhando dzemibvunzo.Mamiriro ezvinhu akasiyana anoda marudzi akasiyana ezvikwereti.Muchikamu chino, tichatarisa kuFHA uye zvikwereti zveConventional.Uchishandisa mienzaniso, chinyorwa ichi chinokupa kunzwisisa kuri nani kwemhando mbiri idzi dzezvikwereti, mabhenefiti avo uye zvinokanganisa.
Nguva yekutumira: Jan-20-2022