Amagama angundoqo: FHA;UMvuzo ophantsi;Ngokwesiqhelo;Iimali-mboleko ze-Mortgage.
I-FHA vs Iindidi zeMali-mboleko eziqhelekileyo: Yeyiphi eLungileyo?
Imali mboleko ye-FHA ivumela amanqaku aphantsi ekhredithi kwaye kunokuba lula ukufumana imali mboleko yesiqhelo.Nangona kunjalo, imali-mboleko yesiqhelo ayinakufuna i-inshurensi yokubambisa ngentlawulo enkulu ngokwaneleyo.Inzuzo ye-FHA vs eqhelekileyo ukuya kutsho kwiimfuno zomntu ngamnye zomboleki.
Makhe sijonge kwiindidi zombini ze-mortgage ukukunceda wenze isigqibo sokuba yintoni ekulungeleyo.
I-FHA vs Itshathi yokuthelekisa iiMali-mboleko eziqhelekileyo
|
| Imali mboleko yesiqhelo 97 | Imali-mboleko ye-FHA |
| Ubuncinci bentlawulo | 3% | 3.50% |
| Ubuncinci bamanqaku etyala | 620 | 580 |
| Umda wemali-mboleko ka-2021 (kwiindawo ezininzi) | $548,250 | $356,362 |
| Umlinganiselo womvuzo | Akukho mda womvuzo | Akukho mda womvuzo |
| Ubuncinci bomnikelo ophuma epokothweni | 0% (Intlawulo ephantsi kunye neendleko zokuvala zingaba yi-100% yemali yesipho, izibonelelo, okanye imali-mboleko) | 0% (Intlawulo ephantsi kunye neendleko zokuvala zingaba yi-100% yemali yesipho, izibonelelo, okanye imali-mboleko) |
| I-inshurensi ye-Mortgage | Iintlawulo zenyanga ziyafuneka ukuba unentlawulo ephantsi engaphantsi kwe-20%, kodwa ngokubanzi, i-inshurensi yemoto iyayeka xa umlinganiselo wakho wemali-mboleko-kwixabiso ufikelela kwi-78%. | Iintlawulo zangaphambili kunye nenyanga, ngexesha lexesha le-mortgage, ziyafuneka. |
I-FHA vs. Iimali-mboleko eziqhelekileyo: Umahluko ongundoqo
Iimali-mboleko ze-FHA zifuna i-inshurensi ye-mortgage kungakhathaliseki ukuba yimalini yentlawulo ephantsi, xa kuthelekiswa nemali mboleko eqhelekileyo apho ufuna i-inshurensi ye-mortgage yeentlawulo eziphantsi kwe-20%.Iintlawulo ze-inshurensi ye-FHA ye-mortgage ziya kufana nokuba liphi na inqaku lakho lekhredithi.
Imali-mboleko ye-FHA
Amanqaku ekhredithi asezantsi avumelekileyo
Imigangatho eyongezelelekileyo yepropathi
Intlawulo ephantsi efunekayo
I-Inshurensi ye-Mortgage yabucala (PMI) iyafuneka kwiintlawulo eziphantsi ngaphantsi kwe-20%
Iimali-mboleko eziqhelekileyo
Amanqaku aphezulu etyala afunekayo (ubuncinci ngama-620)
Iintlawulo ezincinci kancinci ezivumelekileyo
I-Inshurensi ye-Mortgage yabucala (PMI) iyafuneka kwiintlawulo eziphantsi ngaphantsi kwe-20%
Imigangatho eyongezelelekileyo yepropathi yenkululeko
Ukuba ungumthengi wekhaya okokuqala okanye ujonge ukuhlaziya, mhlawumbi uzibuza ezi ntlobo zemibuzo.Iimeko ezahlukeneyo zifuna iintlobo ezahlukeneyo zeemali-mboleko.Kweli nqaku, siza kujonga kwi-FHA kunye nemali mboleko eqhelekileyo.Ukusebenzisa imizekelo, eli nqaku liza kukunika ukuqonda okungcono kwezi ntlobo zimbini zeemali-mboleko, izibonelelo zazo kunye nezinto ezisilela kuzo.
Ixesha lokuposa: Jan-20-2022