Njira yodalirika kwambiri yoperekera ndondomeko yowonjezera kunyumba ndizokwanira ngongole kapena nyumba ya ngongole kapena FHA 203 k) ngongole . Njira yodalirika kwambiri yoperekera ndalama zing'onozing'ono ndi ndalama: kaya kukokera ndalama kuchokera ku ndalama kapena kutuluka kwa frog kuchokera ku chinthu chimodzi chopanda chidwi cha khadi la ngongole kwa wina.
Koma chinthu chimodzi chobisika-chosangalatsa chokwanira kubweza ngongole sikumabwera kudzera mu boma la boma kapena opereka ndalama.
Icho chimachokera ku bungwe lomwe nthawi zambiri limagwirizanitsidwa ndi zamtundu, msonkho wa katundu, chilolezo, misewu, ndi makhoti: boma lanu laderalo.
Koposa zonsezi, zina mwa ngongolezi zimakhala zopanda chidwi.
Kodi Mapulogalamu Awa Ndi Ndani?
Maina amasiyana kuchokera ku dera lina kupita ku dera, koma nthawi zambiri amapita pansi pa dzina la Home Improvement Program ("HIP"), kuwongolera kunyumba / kuwathandiza kuwongolera, kapena kusintha kwake.
Pansi pa mapulojekitiwa, mumatenga ngongole yokonzekera kunyumba, ndipo maboma amavomereza kupereka ndalama zothandizira ngongole yanu.
Kodi Mungasunge Ndalama Zotani?
Kuchuluka kwa ndalama. Ndalama imene mumapulumutsa ndi yaikulu kwambiri moti, ngati mukuyenerera, ndithudi ndiyenela kukhala ndi tepi yofiira yomwe ikuphatikizapo kugwiritsa ntchito.
M'chimodzimodzi chochitika, dera lingapereke gawo la chiwongoladzanja cha 3% cha ngongole yanu. Muzochitika zina, ngongole ikhoza kukhala 0%.
Tiyeni tithamangire chiwerengero cha choyamba, ngongole yothandizidwa pang'onopang'ono. Chitsanzo ichi cha ngongole ya $ 50,000 ya zaka zisanu chikufanizira ndalama zanu ndi kuchepa kwa chiwongoladzanja cha 3%.
- Popanda chithandizo : Kulingalira ndalama 8% za chiwongoladzanja, mudzalipira madola 1013 pamwezi. Chiwerengero chonse ndi $ 10,829.
- Ndi Ndalama : Phindu lomwelo limachepetsedwa ndi 3%, mudzalipiritsa $ 944 pamwezi, kuti mupulumutse pafupi ndi $ 70 pamwezi. Chiwerengero chonse ndi $ 6,614.
Pogwiritsa ntchito ngongole ya HIP, mukanasungira $ 4,215 phindu.
Nchifukwa Chiyani Ma Counties Akuchita Izi
Mabungwe ali ndi udindo wotumikira anthu okhalamo, makamaka mabanja omwe alibe ndalama zambiri. Pazikuluzikulu, zigawo zili ndi chidwi chokhalabe ndi mtengo wa nyumba. Pamene nyumba yosungirako katundu imatha, khalidwe lonse la moyo limachepa. Pomaliza, kupereka ngongoleyi kumayambitsa makampani azachuma ndikuthandiza kupanga mapulani omwe amapanga ntchito.
Kodi Mumagwiritsa Ntchito Bwanji?
Yambani ntchitoyo pogwiritsa ntchito kudera lanu. Mzindawu ukhoza kukutsogolerani kwa wobwereketsa kuderalo, pomwepo izi zingakhale ngongole yokhazikika panyumba kapena HELOC yothandizidwa ndi boma.
Kodi Mungabwere Ngongole Yanji?
Chikwama chokwanira chokwanira chikuzungulira madola 25,000 mpaka $ 50,000. Sikopeza kupeza ngongole za HIP m'mabuku asanu ndi limodzi.
Zofooka ndi Zofunika
Palibe izi zimabwera kwaulere, ngakhale. "Kugwidwa" kwakukulu kumaphatikizapo:
- Phindu lanu la pachaka liyenera kukhala pansi pa malire ena. Chimodzi cha ndalama (King County, Washington) ndi $ 64,400 kwa banja la anayi.
- Nyumba yanu iyenera kukhala yamtengo wapatali pansi pa malire ena.
- Mulole woyang'anira pulogalamuyo kuti ayang'ane polojekitiyi.
- Mitundu yonse ya msonkho imayenera kulipidwa mokwanira.
- Simungagwiritse ntchito ndalamazo kulipira ngongole zina, ngakhale ngongolezo zikugwirizana ndi nyumba.
- Simungagwiritse ntchito ndalama za ngongole kuti muthe kulipira mapulani omwe amayamba nthawi isanafike.
- Muyenera kumaliza ntchitoyi nthawi inayake, monga chaka chimodzi.
Zinthu Zomwe Simungagwiritse Ntchito Ndalama
Kawirikawiri inu mwaletsedwa kuzinyamula mapulogalamu apamwamba, monga mabedi osambira, satana mbale, zotentha, zotchinga, ndi zina zotero.
Zigawo zina zimaika malire pa mitundu ya zipangizo zomwe mungathe kugula ndi ngongole, zomwe zimangokhala zowonongeka (ng'anjo ndi firiji). Nthawi zina "zokometsera" zimatambasulidwa kuphatikizapo kukonzanso khitchini , mipanda, ndi garaji.
Ndiponso, ngongoleyi ndizokonza nyumba, osati kugula katundu watsopano kapena kumanga ndalama. Komabe, zindikirani kuti mabungwe ena ali ndi mapulogalamu ofanana omwe amathandizira eni nyumba kugula katundu.
Kumene Mungapeze Mapulogalamu
Sitikutsimikiziridwa kuti malo anu adzakhala ndi pulogalamuyi. Ena amachita; ambiri samatero.
Yambani ndi webusaiti yanu ya m'deralo. Kuchokera kumeneko, zikhoza kukhala pansi pa zithandizo zamagulu, nyumba, kapena dera la chitukuko. Ngati mukufuna m'deralo, gwiritsani ntchito mawu akuti "kumanga nyumba," "HIP," kapena "thandizo lokonza."