Kune vakawanda vangangozotenga dzimba, kuchengetedza imba yemba idanho rakakosha rekuva muridzi wemba.Federal Housing Administration (FHA) uye zvikwereti zveDhipatimendi reVeterans Affairs (VA) isarudzo dzakakurumbira kune avo vanokodzera, zvichipa zvakanakira senge kuderera kwekubhadhara uye zvimwe zvinowanika zvinodiwa zvechikwereti.Paunenge uchitsvaga zvirongwa izvi zvinotsigirwa nehurumende, zvakakosha kuti uwane mukweretesi akakodzera.FHA/VA vanokweretesa vakatenderwa vanoita basa rakakosha mukufambisa zvikwereti izvi, uye gwara iri richakubatsira kuti unzwisise kukosha kwazvo uye kuti ungasarudza sei yakakodzera pane zvaunoda.

Chii chinonzi FHA uye VA Zvikwereti?

FHA Zvikwereti

Zvikwereti zveFHA zvinopihwa inishuwarenzi neFederal Housing Administration, bazi reUS Department of Housing and Urban Development (HUD).Iwo akagadzirirwa kubatsira vekutanga vanotenga dzimba uye vanhu vane yakaderera kiredhiti mamakisi kana mashoma ekubhadhara zviwanikwa.Zvikwereti zveFHA zvinopa makwikwi emubereko uye zvinoda mubhadharo wakaderera uchienzaniswa nezvikwereti zvakajairika.

VA Zvikwereti

Zvikwereti zveVA zvinovimbiswa neDhipatimendi reVeterans Affairs yeUS uye zvinongowanikwa kune veterans vanokodzera, nhengo dzinoshanda-basa, uye dzimwe nhengo dzeNational Guard uye Reserves.Zvikwereti zveVA zvinozivikanwa nekusabhadhara kwavo pasi uye kukwikwidza mubereko.Idzo inobatsira zvikuru kune avo vakashanda muchiuto.

Basa reFHA/VA Yakatenderwa Vanokweretesa Vanokweretesa

FHA/VA vanokweretesa vakatenderwa masangano emari ane mvumo yekupa FHA neVA zvikwereti.Ivo vanoshanda sevarevereri pakati pevakwereta neaya masangano ehurumende, vachipa huwandu hwemabhenefiti:

• Nyanzvi: Ava vanokweretesa vanonyanya hunyanzvi muFHA neVA zvikwereti, vane ruzivo rwakadzama rwezvinodiwa uye nhungamiro.
• Maitirwo Akaitwa: FHA/VA vanokweretesa vakatenderwa vane ruzivo rwakanyanya mukushandisa uye kubvumidza maitiro ezvikwereti izvi, zvichiita kuti zvive nyore kune vanokwereta kufamba.
• Makwikwi emitengo: Vakweretesi vehoholeseti vanowanzopa makwikwi emubereko nematemu, vachipa vanokwereta sarudzo dzakanaka dzemari.
• Yakasiyana-siyana yeZvigadzirwa Zvikwereti: Ava vanokweretesa vanogona kupa huwandu hweFHA uye VA zvigadzirwa zvechikwereti, zvichibvumira vanokwereta kuti vasarudze iyo inonyatsokodzera zvavanoda.

Maitiro Ekusarudza Iyo Yakakodzera FHA / VA Yakatenderwa Mukweretesi Wekutengesa

Kusarudza mukweretesi akakodzera kwakakosha paunenge uchitsvaga chikwereti cheFHA kana VA.Heano matanho ekufunga nezvawo:

1. Tsvakurudza uye Enzanisa

Tsvagiridzo yeFHA/VA yakabvumidza vakweretesi vehorese munzvimbo yako.Enzanisa zvigadzirwa zvavo zvechikwereti, mari dzemhindu, uye mubhadharo.

2. Tarisa Kubvumirwa

Iva nechokwadi chekuti mukweretesi ndiye FHA/VA yakatenderwa, sezvo izvi zvichiona kuti vanozadzisa zviyero zvehurumende uye vanogona kufambisa zvikwereti izvi.

3. Nyanzvi Consultation

Funga kutsvaga zano kubva kuvadzidzi vemortgage vanonyatsoziva FHA uye VA kukweretesa.Ivo vanogona kukutungamira kune vanokweretesa vane mukurumbira wakasimba uye hunyanzvi muzvirongwa izvi.

4. Ongororo dzeVatengi

Kuverenga ongororo yevatengi uye kutsvaga kurudziro kunogona kupa ruzivo mune mukurumbira wemukweretesi uye sevhisi yevatengi.

5. Kujeka

Sarudza mukweretesi ari pachena nezve mubhadharo wavo uye anoda kutsanangura zvirevo uye mamiriro eiyo FHA kana VA chikwereti chauri kufunga.

Mhedziso

FHA/VA yakatenderwa vanokweretesa vadyidzani vakakosha kune avo vanotsvaga mari inotsigirwa nehurumende.Ava vanokweretesa vanopa hunyanzvi, maitiro akakwenenzverwa, uye akasiyana ezvigadzirwa zvechikwereti zvinopa izvo zvinodiwa neFHA neVA vanokwereta.Pakusarudza mukweretesi, tsvakiridzo yakakwana, zano renyanzvi, uye kubuda pachena kwakakosha.Nekodzero yeFHA/VA yakatenderwa mukweretesi, unogona kutanga rwendo rwako rwevaridzi vemba uine chivimbo, uchiziva kuti une waunovimba naye wezvemari padivi pako.

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.