Hapana Kurambidzwa Kwemuhoro uye Hapana Kugadziriswa Kwekutenga: Nharaunda Zvikwereti zveKutanga-Nguva Vanotenga Kumba

Kuva muridzi wemba kunogona kukwanisika uye kuwanikwa neCommunity Loans yakagadzirirwaPrimaryResidence Chete. Ichi chirongwa chinobvisa zvipingamupinyi zvakajairika nekusapa LLPA zvigadziriso zvekutenga, hapana zvirambidzo zvemari sezvimwe zvirongwa zvekubatsira, uye kugamuchira vanotanga kutenga dzimba. Nekutarisa pakugadzikana uye kutevedza, zvikwereti izvi zvinonyatso tevera nhungamiro dzemasangano, zvichiita kuti ive yakavimbika kune vatengi uye vanokweretesa zvakafanana.

Key Benefits ofCommunity Zvikwereti 

1. Primary Residence Chete

Zvikwereti zveNharaunda zvakagadzirirwa vatengi vanoronga kugara pamba sepokugara kwavo kwekutanga, kuve nechokwadi chekugadzikana uye kutarisa pavaridzi venguva refu.

2. Hapana LLPA Kugadziridzwa kweKutenga

Kusiyana nesarudzo zhinji dzembavha, chirongwa ichi hachina LLPA (Chikwereti-Chikwereti Chekugadzirisa Mutengo) yekutenga. Vatengi vanogona kunakidzwa nemakwikwi emitengo uye yakareruka mitengo pasina muripo wakavanzika.

3. Hapana Zvirambidzo Zvemari Sezvimwe Zvirongwa Zvekubatsira

Chimwe chezvimiro zvechirongwa ichi hapana zvirambidzo zvekuwana mari. Kusiyana nezvimwe zvirongwa zvevabatsiri zvinomanikidza mari dzemari, iyi sarudzo yechikwereti inowanikwa kune vatengi pamatanho ese emari.

4. Yekutanga-Nguva Vanotenga Kumba Vanogamuchirwa

Vatengi venguva yekutanga vanogona kutora mukana wakazara wechirongwa ichi, vaine magwaro akakwenenzverwa uye zvipingamupinyi zvishoma pakuva imba.

5. Tevedza Agency Guidelines

Zvikwereti izvi zvinonyatso kuomerera kuFannie Mae naFreddie Mac nhungamiro, kuve nechokwadi chekutevedzwa, kuvimbika, uye nzira yekubvumidza chikwereti. Kubva pakuongororwa kwemari kusvika pakuyerwa kwezvivakwa, chirongwa ichi chinoenderana nezviyero zvakatarwa.

Ndiani Anogona Kubatsirwa?

- Chekutanga-Nguva Vanotenga Kumba: Kana iwe uri kutenga yako yekutanga imba, chirongwa ichi chinopa kuchinjika pasina LLPA zvigadziriso uye pasina kurambidzwa mari.

- Dzokorora Vatengi: Kunyangwe usiri mutengi kekutanga, unogona kukodzera chero imba iri yako Yekutanga Residence Chete.

- MaAgents uye Vanokweretesa: Chirongwa chakatwasuka chinoteedzera zviyero zveagency chinovimbisa kujeka uye kuita kuri nyore kuita.

Property Eligibility

Community Loans inotsigira zvakasiyana-siyana zvinokodzera zvivakwa, zvinosanganisira:

- 1-yuniti dzimba, PUDs, uye 2-4 unit zvivakwa.

-Zvinhu zvisingagoneki: Condos, dzimba dzakagadzirwa, uye ivhu rekurima.

Iine hushoma hweFICO mamakisi mazana matanhatu nemakumi matanhatu uye inokwikwidza yakagadziriswa-chiyero chechikwereti sarudzo (makore gumi nemashanu nemakore makumi matatu), chirongwa ichi chinorerutsa maitiro ekutora imba uchive nechokwadi chekukodzera.

Sei Kusarudza Community Loans?

Nharaunda Zvikwereti zvakanakira vatengi vari kutsvaga kugona uye kuwanikwa. Nekubvisa zvirambidzo zvemari uye kugadzirisa kweLLPA pakutenga, vatengi vanochengeta pamitengo vachinakidzwa nekuchinjika. Vekutanga vanotenga dzimba vanonyanya kubatsirwa kubva kuchirongwa ichi chakarerutswa zvikwaniriso, zvichigadzira nzira yakajeka yekuva muridzi wemba.

Kune vashandi vezvivakwa, zvikwereti izvi zvinopa mhinduro yakavimbika kune vatengi, yakanyatsoenderana neayo agency nhungamiro. Iyo purogiramu inovimbisa kutengeserana kwakatsetseka, mazwi emakwikwi, uye mari inowanikwa kune akasiyana siyana evatengi.

Mhedziso

Zvikwereti zveNharaunda zvinoputsa zvipingamupinyi kuvaridzi vemba nemabhenefiti senge pasina zvirambidzo zvekuwana mari, hapana gadziriso yeLLPA yekutenga, uye kukodzera kwevanotenga imba kekutanga. Yakagadzirirwa Yekugara Kwekutanga Chete, zvikwereti izvi zvinopa kugadzikana, kugona, uye chivimbo kune vatengi mumusika wemazuva ano wedzimba.

Ziva kuti Zvikwereti zveNharaunda zvingaite sei kuti chiroto chako chekuva nemba chive chechokwadi - chakarerutswa, chiwanikwe, uye chinoenderana nemazano esangano.