11/20/2023

Paunenge uchipinda munzvimbo yevaridzi vemba, imwe yesarudzo dzakanyanya kukosha inosanganisira kusarudza iyo chaiyo mhando yemumba.Pakati pemakumi ezviuru zvingasarudzwa, zvikwereti zvakajairika, uye zvikwereti zvinotsigirwa nehurumende VA, FHA, uye USDA zvikwereti ndizvo zvinonyanya kuzivikanwa.Imwe neimwe yezvikwereti izvi inoenderana nezvinodiwa zvakasiyana, mamiriro emari, uye nzira dzekukodzera, zvichiita kuti sarudzo ive chikamu chakakosha chemaitiro ekutenga imba.

Muchinyorwa chedu chakapfuura, 'Kunzwisisa Zvikwereti zveMortgage Zvikwereti zvine AAA LENDINGS,' takasuma kuti chikwereti chakajairika chii uye tikaongorora maitiro uye zvakanakira.Nhasi, tinoongorora zvakadzama nekuenzanisa VA, FHA, uye USDA Zvikwereti.Kuburikidza nekuenzanisa uku, isu tinovavarira kukupa iwe kunzwisisa kwakadzama kwezvakasiyana zvemhando yega yega yechikwereti.Ruzivo urwu ruchakubatsira iwe pakusarudza chigadzirwa chemondi chinonyatsoenderana nezvido zvako pachako.

 

Zvikwereti Zvakajairika: Sarudzo Yakawanda Yakakurumbira

Zvikwereti zvenguva dzose, zvisina kuchengetedzwa nechero sangano rehurumende, zvinomira sesarudzo yakakurumbira kune vakawanda vanotenga dzimba.Mucherechedzo wavo kuchinjika, uchipa akasiyana mazwi (15, 20, kana 30 makore) nemhando (yakagadziriswa kana inogadziriswa mitengo).Uku kuchinjika kunoita kuti vakwanise kune vakasiyana siyana vanokwereta, kunyanya avo vane akasimba kiredhiti profiles uye kugona kubhadhara zvakakomba pasi.

Nekudaro, kuchinjika uku kunouya nezvimwe zvinodikanwa.Zvikwereti zvenguva dzose zvinowanzoda zvibodzwa zvepamusoro zvechikwereti uye mubhadharo wakakura wakaderera zvichienzaniswa nevamwe vavo vanotsigirwa nehurumende.Pamusoro pezvo, kana mubhadharo wepasi uri pasi pe20%, vanokwereta vanofanirwa kunetsana nemutengo wakawedzerwa weinishuwarenzi yakavanzika (PMI), vachiwedzera mubhadharo wepamwedzi.

VA Zvikwereti: Kushumira Avo Vanoshumira
Yakagadzirirwa chaizvo veterans uye vanoshandira-basa basa nhengo, VA zvikwereti zvinopa mamwe emamwe mazwi anonyanya kufarirwa mumusika wemortgage.Chinhu chinonyanya kushamisa ndechekuti hapana chinodiwa chekubhadhara, zororo rakakura kune avo vasingakwanise kuunganidza mari yakawanda.Uyezve, kusavapo kwePMI kunoderedza mutoro wemari wepamwedzi, zvichiita kuti pfuma yeimba iwanikwe.

Asi, VA zvikwereti hazvina zvisingakwanisi.Zvinosanganisira mari yekubhadhara (yakaregererwa kune vamwe), uye kune maitiro akaomarara maererano nekukodzera kwevakwereta uye marudzi ezvivakwa zvinogona kutengwa.Zvikwereti izvi mutero kubasa rechiuto, zvinopa mabhenefiti akawanda asi zvakaganhurirwa kune rimwe boka revanokwereta.

FHA Zvikwereti: Kuvhura Masuo kune Vazhinji
Zvikwereti zveFHA, zvinotsigirwa neFederal Housing Administration, zvinonyanya kufadza kune vanotanga kutenga dzimba nevaya vane nhoroondo shoma-kupfuura-stellar kiredhiti.Zvavanoda zvakaderera zvibodzwa zvechikwereti uye mukana wekuita mubhadharo wakaderera se3.5% unovhura musuwo wekuva muridzi wemba kune vazhinji vangazoiswa parutivi.

Zvisinei, zvikwereti zveFHA zvinotakura mutoro weMortgage Insurance Premiums (MIP), iyo inogona kugara kwehupenyu hwechikwereti kana kubhadhara kuri pasi pe10%.Mutengo unoramba uripo uyu, pamwe chete nemiganhu yechikwereti yakaderera uye zvivakwa zvakaomesesa, zvinhu izvo vanokwereta vanofanirwa kuyera maererano nekuwanikwa kwezvikwereti izvi.

USDA Zvikwereti: Rural America's Nzira yeKuva Mumba
Zvikwereti zveUSDA zvinonangana nehuwandu hwevanhu, nechinangwa chekusimudzira varidzi vedzimba kumaruwa nedzimwe nzvimbo dzemudhorobha.Zvikwereti izvi zvakanakira vanhu vane mari yakaderera kusvika pakati nepakati vanogona kunetsekana nekubhadhara pasi, sezvo vasingadi.Pamusoro pezvo, ivo vanopa yakaderedzwa mari yeinishuwarenzi yemondi uye mitengo yakaderera-yemubereko, kunyangwe pasina kubhadhara.

Kubata nechikwereti che USDA kuri munzvimbo yavo uye zvirambidzo zvemari.Iwo akarongedzerwa nzvimbo dzakanangana uye mazinga emari, kuve nechokwadi chekuti mabhenefiti akananga kune avo vanoshaya munharaunda dzekumaruwa.Saizi yezvivakwa uye kuganhurirwa kwemitengo kunoshandawo, kuve nechokwadi chekuti chirongwa chinotarisa padzimba dzine mwero, dzinodhura.

Kusarudza Iyo Yakanakira Chikwereti Chirongwa cheZvaunoda
Rwendo rwekuva muridzi wemba rwakagadzirwa nemafungiro akasiyana-siyana emari uye emunhu.Zvikwereti zvakajairika zvinopa shanduko huru asi zvinoda kumira kwemari yepamusoro.Zvikwereti zveVA zvinopa mabhenefiti anoshamisa kune nhengo dzakakodzera sevhisi asi dzakaganhurirwa muchikamu.Zvikwereti zveFHA zvinodzikisira chipingamupinyi chekupinda pavaridzi vemba, chakanakira vekutanga kana avo vanovakazve chikwereti.Zvichakadaro, zvikwereti zveUSDA zvinotarisa pakubatsira vanotenga dzimba dzekumaruwa vane nzira shoma.

Pakupedzisira, sarudzo yakakodzera yekubhadhara mari inoenderana nemamiriro emunhu, hutano hwemari, uye zvinangwa zvenguva refu.Vangangove varidzi vedzimba vanofanirwa kuyera mabhenefiti uye zvipimo zvesarudzo yega yega, vachitsvaga zano kubva kune varairidzi vezvemari kuti vafambe nenzira iyi yakaoma asi ine mibairo.Vavariro yacho yakajeka: kuwana chibatiso chemba chisati chichingokiyinura bedzi suo reimba itsva asiwo inokwana zvakanaka mukati memufananidzo mukuru woupenyu hwemari hwomunhu.

VhidhiyoKufambisa iyo Maze yeMortgage Sarudzo-Kunzwisisa Zvakajairwa, VA, FHA, uye USDA Zvikwereti

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.