Amagama angukhiye: FHA;Iholo Eliphansi;Okuvamile;Imali Ebolekiwe Yezindlu.
I-FHA vs Izinhlobo Zemali Ebolekiwe Ezivamile: Yikuphi Okungifanele?
Imali mboleko ye-FHA ivumela amaphuzu esikweletu aphansi futhi kungaba lula ukuwufanelekela kunemalimboleko evamile.Kodwa-ke, imali mboleko Evamile ingase ingadingi umshwalense wezindlu ezibolekiwe ngenkokhelo enkulu eyanele.Inzuzo ye-FHA uma iqhathaniswa nevamile kuya ezidingweni zomuntu ngamunye zomboleki.
Ake sibheke zombili izinhlobo ze-mortgage ukuze sikusize unqume ukuthi yini ekulungele.
I-FHA vs Ishadi Elivamile Lokuqhathanisa Imalimboleko
|
| Imalimboleko engu-97 evamile | Imalimboleko ye-FHA |
| Inkokhelo encane | 3% | 3.50% |
| Isikolo esincane sekhredithi | 620 | 580 |
| Umkhawulo wemalimboleko ka-2021 (ezindaweni eziningi) | $548,250 | $356,362 |
| Umkhawulo wemali engenayo | Awukho umkhawulo wemali engenayo | Awukho umkhawulo wemali engenayo |
| Umnikelo omncane ophuma ephaketheni | 0% (Izindleko eziphansi zokukhokha nezokuvala zingaba yimali yesipho engu-100%, izibonelelo, noma imalimboleko) | 0% (Izindleko eziphansi zokukhokha nezokuvala zingaba yimali yesipho engu-100%, izibonelelo, noma imalimboleko) |
| Umshwalense we-mortgage | Izinkokhelo zanyanga zonke ziyadingeka uma unenkokhelo ephansi engaphansi kuka-20%, kodwa ngokuvamile, i-auto yomshwalense iyanqamuka lapho isilinganiso sakho semalimboleko ukuya kwinani sifinyelela ku-78%. | Izinkokhelo zangaphambilini nezanyanga zonke, ngesikhathi sokubolekwa kwezindlu, ziyadingeka. |
I-FHA vs. Imalimboleko Evamile: Umehluko Oyinhloko
Izimali mboleko ze-FHA zidinga umshwalense we-mortgage kungakhathaliseki inani eliphansi lokukhokha, uma kuqhathaniswa nemali mboleko evamile lapho udinga umshwalense we-mortgage ukuze uthole izinkokhelo ezingaphansi kuka-20%.Izinkokhelo zomshwalense we-FHA we-mortgage zizofana kungakhathaliseki ukuthi yisiphi isikolo sakho sesikweletu.
Imalimboleko ye-FHA
Amaphuzu esikweletu aphansi avunyelwe
Amazinga aqinile ezakhiwo
Inkokhelo ethe xaxa edingekayo
I-Private Mortgage Insurance (PMI) iyadingeka ukuze uthole izinkokhelo eziphansi ezingaphansi kwama-20%
Imalimboleko Evamile
Kudingeka amaphuzu aphezulu esikweletu (okungenani ama-620)
Ukukhokha kancane kancane kuvunyelwe
I-Private Mortgage Insurance (PMI) iyadingeka ukuze uthole izinkokhelo eziphansi ezingaphansi kwama-20%
Izilinganiso zempahla ekhululekile
Uma ungumthengi wekhaya oqala ngqá noma ufuna ukuxhasa ngezimali, cishe uzibuza lezi zinhlobo zemibuzo.Izimo ezihlukene zidinga izinhlobo ezahlukene zemalimboleko.Kulesi sihloko, sizobheka i-FHA kanye nezikweletu ezijwayelekile.Ngokusebenzisa izibonelo, lesi sihloko sizokunikeza ukuqonda okungcono kwalezi zinhlobo ezimbili zemali mboleko, izinzuzo zazo kanye nezinkinga zazo.
Isikhathi sokuthumela: Jan-20-2022