Ngakhale kuti sizinalengezedwe kwambiri, pulogalamu yothandizira pulogalamu ya FHA 203 (k) ngongole ikhoza kungokhala tikiti yanu yopanga polojekitiyo yomanga nyumbayo . Imeneyi ndi njira yothandizira kuwongolera ndondomekoyi kuti musagwiritse ntchito nthawi yochuluka ndikuyankhula kwa okhomerera kuposa momwe mumapangira akonza ndi makontrakitala.
Chophimba chachikulu cha pulojekitiyi ndi chakuti muyenera kuteteza FHA 203 (k) pamene mukukambirana za kugula kwanu koyamba.
Kumbutsani kuti FHA 203 (k) ngongole si kwa aliyense, ngakhale kwa iwo omwe ali oyenera. Chifukwa chimodzi ndi matepi ake ofiira omwe sungapeweke. Ndipotu, HUD imavomereza izi ndipo yakhazikitsa pulogalamu yotsimikiziranso otsogolera 203 (k) omwe angakuthandizeni.
Chidule
- Ngongole ya Rehab "ndi dzina lakutchulidwa la FHA 203 (k) Inshuwalansi ya Inshuwalansi.
- Pulojekitiyi ikuyendetsedwa ndi Dipatimenti ya Maofesi a Zamalonda ndi Amatauni ku United States (HUD).
- Mungathe kufika pa $ 35,000 kuti mupite patsogolo (ndalama zochepa zomwe mungatenge ndi $ 5,000).
- Muyenera kutenga ngongoleyi nthawi yomwe mumagula nyumbayi.
- Tapepala yofiira imakhudzidwa ndi ngongoleyi, koma pali othandizira omwe angakuthandizeni.
- Iwe sungakhoze kutenga ngongole kwa chirichonse basi. Mungagwiritse ntchito pokhapokha pazinthu zowonongeka zapakhomo, zomwe zimakhala zothamanga motsatira chitetezo, ma plumbing, zamakono, kufalikira, ndi zina.
Kodi FHA 203 (k) Ngongole ya Rehab?
Kupeza ndalama ngati mutapeza kuti diamond-in-the-rough house ingakhale vuto lenileni.
Mumaso mwanu, mumangodziwa kuti idzakhala malo abwino, koma ogulitsa sangakhale nawo nawo masomphenya. Ngakhale mutatha kupeza ndalama zogula nyumba, mukukumanabe ndi ntchito yovuta yothetsera ndalama yachiwiri ya ndalama .
Kampani ya FHA 203 (k) ngongole ndi ngongole yobwereketsa ngongole komanso yobwereketsa ngongole yotengedwa ndi ogulitsa ngongole ndi a inshuwalansi ndi HUD.
Mukhoza kulandira ngongole ya $ 35,000 kuti mupititse patsogolo nyumba yanu, koma pokhapokha pokhapokha pulojekiti yochepa yopanga pakhomo.
Nchifukwa chiyani boma likupereka mowolowa manja? Sizowonjezera zambiri pokhudzana ndi kupatsa monga za chithunzi chachikulu, padziko lonse ndi chuma cha US. Pogwiritsa ntchito HUD ndi FHA 203 (k) ndondomeko, boma likudandaula za kubwezeretsa kapena kusunga midzi yonse komanso kuonetsetsa kuti nyumba za nyumba zomwe zilipo sizikupempha. Komabe, mutha kupindula ndi zolinga zazikuluzikulu.
Kuthandiza kuthetsa vuto la Equity Gap
Phindu la FHA 203 (k) ndondomeko ndikuti imadzaza ndi zosowa zomwe akusowa nyumba za nyumba zatsopano zogulidwa.
Kugula nyumba yomwe ikusowa thandizo ndi kupeza ndalama kwa izo nthawi yomweyo ndi chododometsa. Muyenera kuti muyambe kumanga chiyanjano m'nyumba musanatenge ngongole. Equity imamangidwa kawirikawiri polipira pansi wamkulu pa ngongole pamene nyumba ikupeza phindu. Izi zimatenga nthawi.
Njira ina yocheperapo ndiyo kupeza ngongole yosatetezedwa kapena yosainirana ya ntchito yowonongeka. Ngakhale mutalandira ngongole yopanda chitetezo, chiwongoladzanja chidzakhala chapamwamba kwambiri kuposa ngati mutenga ngongole yomwe imagwiritsa ntchito nyumba yanu monga cholandira.
Popanda FHA 203 (k), eni nyumba amayamba kupeza nyumba yomwe imasowa chisamaliro chachikondi. Kenaka, iwo amapempha ndalama zogulira ngongole yoyamba yomwe imangotengera mtengo wogula nyumbayo. Ngakhale izi zikuwoneka zabwino, okongola sangathe kufunsa kuti ndalama zokwana madola 35,000 ziwonjezedwe ku ngongole yoyamba kubwereka. Ndalama zoyamba kubwereka zimangotenga mtengo wogula basi ndi zina zambiri. Pambuyo pokagula nyumbayo komanso atakhala ndi nyumbayo kwa kanthawi, mwini nyumbayo adzapempha kuti abwereke ngongole yachiwiri, ngongole yobwereketsa nyumba, kapena HELOC (nyumba yoyenera ngongole) kuti azilipiritsa ndalamazo.
Kodi HUD / FHA imachita chiyani pakubweretsa kusiyana pakati pa momwe nyumbayo ikuyendera komanso kuchuluka kwa ngongole mwa kulimbikitsa ngongoleyi. Mwachidziwikire, zili ngati amalume ake olemera omwe amalowa mkati ndikuti, "Ndikhala ngati wobwezeretsa ngongoleyi mpaka nyumbayo ikasintha."
Phindu
- Muli ndi ngongole yoyamba kubwereka ndikukonzanso nyumba yanu. Izi zimakupulumutsani kuti mutenge ngongole ziwiri zosiyana.
- Ngongoleyi ikupangitsa kuti muyambe kukonzanso kunyumba. Chifukwa chakuti pulogalamuyo ikuyembekeza kuti mugwiritse ntchito ndalama zowonongeka, muyenera kuyamba nthawi yambiri. Izi zimapewa kuzengereza kwa zaka zambiri.
- Mosiyana ndi ngongole zomwe zili ndi nthawi yochepa yobwezera, FHA 203 (k) ngongole ikufanana ndi kutalika kwa ngongole yobwereka. Mwachitsanzo, ngati muli ndi ngongole ya zaka 30, mumakhalanso ndi zaka 30 kuti mubwezeretse gawo la ngongole.
Zovuta
- Chifukwa cha zofunikira pulojekiti, nthawi yanu yomaliza ngongole ikhoza kukhala yayitali kusiyana ndi ngongole yachizolowezi. Nthawi yotsekera imatha kuyambira masiku makumi asanu ndi limodzi kudza makumi asanu ndi anayi.
- Osankhika anu osankhidwa ali ochepa. M'malo mwake, muyenera kuchotsa mndandanda wa mndandanda wa HUD wa ovomerezeka wa FHA 203 (k) ogulitsa.
- Pali tepi yofiira yochuluka. Kuti mukwaniritse ngongole, muyenera kufotokoza mwatsatanetsatane, kuphatikizapo mapulani.
Mndandanda wa Zovomerezeka Zovomerezeka
Zokonzedwanso zomwe zimaloledwa zimveka zomveka poyamba. Koma kumbukirani kuti tanthawuzo izi zikhoza kutambasulidwa ndikukhalabe zizindikiro zoyenera. Kawirikawiri, HUD ikukhudzidwa kuti 203 (k) ndalama zisagwiritsidwe ntchito pa "zinthu zamtengo wapatali ndi zowonjezera," monga momwe zikutchulira.
Komabe akugogomezera kuti "kujambula, malo owonjezera , malo osungiramo zinthu ndi zinthu zina ngakhale kuti nyumba sizisowa zina zotero" zidzasinthidwa mu 203 k. Mapulogalamu ololedwa:
- Zizindikiro za munthu wolumala
- Onetsetsani nyumba yosakhalitsa
- Limbikitsani mphamvu zapanyumba zanu
- Malo opangira malo ndi malo ena kunja
- Kuyala , kutsetsereka , ndi kutsegula pansi kapena kutsegula
- Sinthani nyumba ndi / kapena kumanganso nyumba
- Kuthana ndi ngozi zoopsa
- Zosintha zamakono
- Kupanga mapulaneti , kuphatikizapo ntchito yabwino komanso yopanda ntchito
- Zowonjezera pamtambo / zosintha (zimaphatikizapo mankhwala ochizira)
Kodi FHA 203 (k) Ngongole Yodabwitsa?
Pa nkhope yake, FHA 203 (k) ngongole ya rehab (yomwe nthawi zambiri imatchedwa ngongole 201k) ikhoza kuoneka ngati chozizwitsa.
Pambuyo pake, mumapeza ndalama kugula nyumba ndi ndalama zowonjezereka kuti musinthe nyumbayo, ndipo mutenge nthawi yomweyo. Komabe, nkofunika kukumbukira kuti:
- Izi ndizo ngongolebe, osati ndalama. Iyenera kubwezeredwa, ngakhale muli ndi kutalika kwa ngongole kulipira.
- Chifukwa ichi ndi ngongole, chiwongoladzanja chiripira. Mufuna kuwonera ndondomeko ya malipiro kuti muone kuchuluka kwa chiwongoladzanja chokwanira chomwe chikukuwonongerani moyo wonse wa ngongole.
- Chifukwa cha nthawi yotsekemera, FHA 203 (k) sangakuthandizeni pamsika wokonda mpikisano kumene muyenera kugula mofulumira komanso mopanda mavuto.