Into Emangalisayo Ongayaziyo Ngeemali-mboleko ze-FHA

Iimali-mboleko ze-FHA ziyindlela eyaziwayo yokuba ngumnini-khaya kubathengi abaninzi bexesha lokuqala kuba bathambekele ekubeni neendlela eziphantsi zokuhlawula kunye neemfuno zokufumana amanqaku ngetyala. Ngapha koko, ngokutsho kwe-Federal Housing Authority, abathengi bokuqala bekhaya babandakanya Iipesenti ezingama-83 ye-FHA ababoleki bemali mboleko yekhaya ngo-2019.

Kodwa kukho into enokubangela ukuba abathengi bexesha lokuqala bangayihoyi xa besongelwe kukuthenga indlu: Ukuba ubeka nantoni na engaphantsi kwe-10 yepesenti njengemali ehlawulelwa imali mboleko ye-FHA, kuya kufuneka uhlawule imali mboleko ye-FHA i-inshurensi yonke yemali mboleko. Ngokuchasene noko, kunye nemali mboleko yesiqhelo, i-Inshurensi yakho yabucala ye-Inshurensi (okanye i-PMI) iyarhoxiswa wakha ubulungisa obaneleyo ekhayeni lakho. .

Xa ubeka ngaphantsi kweepesenti ezili-10 kwimali mboleko ye-FHA, intlawulo ye-inshurensi yenyanga iyafana nomtshato: Unamathele kuyo de ufumane uqhawulo-mtshato, ucacisa u-Holden Lewis, ingcali yekhaya kunye neyezindlu. INerdWallet . Kule meko, ukuqhawula umtshato kwimali mboleko yakho ye-FHA kuthetha ukuphinda unike imali kwimali mboleko yesiqhelo.

Ukuba usemarikeni ye ubambiso , Ukwazi imigaqo ye-inshurensi yokubolekwa kwempahla, kwaye yahluke njani phakathi kwemali-mboleko ye-FHA kunye nemali mboleko yesiqhelo, kuya kukunceda uthelekise iimveliso zemalimboleko kwaye unqume okona kukulungeleyo. Kuxhomekeke kwimali mboleko yakho, yonyaka Iimali-mali ze-Inshurensi yokuBambisa imali kwiimali-mboleko ze-FHA inokuba ukusuka kwiipesenti ezingama-0.45 ukuya kwiipesenti eziyi-1.05. Uninzi lwababolekisi abasebenzisa inkqubo yemali mboleko ye-FHA bakhetha ixesha lokuhlawula iminyaka engama-30 kwaye babeke phantsi iipesenti ezi-3.5, oko kuthetha ukuba uninzi luhlawula i-premium yonyaka ye-0.85. Njengomzekelo, kwimali mboleko engama- $ 250,000, iindleko zeinshurensi yangexesha ngenyanga ziya kubiza phantse $ 100 ngenyanga .

Ukuba sele unayo imali-mboleko ye-FHA- kwaye ubuncinci ubuncinci iipesenti ezingama-20 kwikhaya lakho-unokufuna Cinga ukuphinda unike imali , njengoko unokunciphisa intlawulo yakho yanyanga zonke ngokungahlawuli i-inshurensi yobambiso. Ukuba ujonge ukulahla iipremiyamu zakho ze-inshurensi yobambiso kwimali mboleko ye-FHA, kuya kufuneka uphinde uboleke kwimali mboleko engeyiyo ye-FHA, ucacisa uPhil Georgiades, iarhente yokuthengisa izindlu nomhlaba kunye Amaziko eMali-mboleko yeFedHome .

Kukho okwahlukileyo, nangona kunjalo, xa kufikwa ekurhoxiseni i-inshurensi yobambiso. Kwimali mboleko ye-FHA eyavalwa emva komhla wama-31 ku-Disemba 31, 2000, okanye eyathi yenziwa isicelo phambi komhla wesi-3 kuJuni 2013, iiPremiyamu ze-Inshurensi yeMali mboleko zinokucinywa xa umboleki efumana umyinge wama-78 weepesenti kwimali-mboleko yexabiso, uGeorgiades uyacacisa. Yimali mboleko ye-FHA esetyenziselwe emva koJuni ka-2013 efuna abo bangaphantsi kweepesenti ezili-10 zokuhlawula ukuba baphinde bacoce kamva ukuba bafuna ukulahla i-inshurensi yokuthenga ngempahla.

Kulabo benze ngaphezulu kweepesenti ezili-10 zokuhlawula, kufuneka kuphela ukuba babe neinshurensi yokubolekwa kwemali kwiminyaka eli-11 yokuqala yemboleko, utshilo uGeorgiades.

Ewe, ukhetho oluphantsi lokuhlawula imali mboleko ye-FHA kukudonsa abathengi abaninzi basekhaya, ngakumbi abo bangena kwimakethi yezindlu okokuqala kwaye abanakho ukulingana kwintengiso yekhaya yangaphambili ukubeka intlawulo ephantsi. Ngemali mboleko ye-FHA, intlawulo yakho esezantsi inokuba sezantsi njengepesenti ye-3.5 ukuba yakho amanqaku etyala Ubuncinane yi-580.

Ngokwe- ingxelo Ukusuka kuMbutho weSizwe weeRealtors, ukuhlawulwa komndilili ophakathi kumakhaya ngo-2019 kubo bonke abathengi kwakuyiipesenti ezili-12. Kubathengi bexesha lokuqala, yayiyiipesenti ezi-6. Ikota yokuqala yabathengi-makhaya basebenzise imali mboleko ye-FHA ukuthenga amakhaya abo, ngokunokwenzeka basebenzise inkqubo ephantsi yokuhlawula, ngokwe-National Association of Realtors.

Ukuba uthenga indlu, jonga eyona ngcebiso ngobambiso omnye umthengisi wezindlu okhe weva.

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