Kunyange zvazvo isina kuparidzirwa zvikuru, chirongwa chinotsigirwa nehurumende chinonzi FHA 203 (k) chikwereti chinogona kungova tiketi yako yekuita purogiramu yekuvandudza imba iyo yakaitwa. Ichowo inzira yekubatsira kusimbisa urongwa kuitira kuti iwe usapedza nguva yakawanda uchitaura kune vanokweretesa kudarika iwe uri kuvakadzi nevatengesi.
Iko guru revhavha yepurogiramu iyi ndeyekuti unofanira kuchengetedza FHA 203 (k) paunenge uri kutaurirana yako yekutanga-kutenga mari yeimba.
Itaurwa kuti iyo FHA 203 (k) chikwereti hachisi chevanhu vose, kunyange kune avo vanofanirwa. Chimwe chikonzero ndechokuti isingadzivisiki tape tape. Kutaura zvazviri, HUD inobvuma izvi uye yakatanga chirongwa chekusimbisa kuzvimiririra 203 (k) mazano avo vanogona kukugadzirisa nzira yenyu.
Summary
- "Chikwereti cheRehab" ndicho zita rezita reFHA 203 (k) Mortgage Insurance.
- Iyi purogiramu inotungamirirwa neDhipatimendi reUnited States reZvumba uye Urban Development (HUD).
- Iwe unogona kukwira kusvika $ 35,000 kuti uvandudzire (zvishoma zvishoma iwe unogona kutora ndeye $ 5,000).
- Unofanira kutora chikwereti ichi panguva yaunotenga imba.
- Tape tsvuku inobatanidzwa nechikwereti ichi, asi pane vadzidzisi vanogona kukubatsira.
- Iwe haugoni kutora chikwereti chacho chero chinhu. Iwe unogona kuishandisa chete kune zvikwereti zvinogamuchirwa zvekuvandudza kumusha, izvo zvinowanzomhanyira mumuganhu wekuchengeteka, kupinza mabomba, kushandiswa kwemazuva ano, kuwedzera, nezvimwewo.
Chii chiri FHA 203 (k) Mutero weRehab?
Kuchengetedza mari kana iwe ukawana dhamoni-in-the-rough imba inogona kuva dambudziko rechokwadi.
Mune ziso rako mupfungwa, iwe unongoziva kuti ichava belle webato, asi vateresi vangave vasina kugoverana chiratidzo ichocho. Kunyange kana iwe ukakwanisa kuwana mari yekutenga imba, iwe uchiri kutarisana nebasa rinotyisa rekuchengetedza sechipiri chekubhadharira rehabhi.
An FHA 203 (k) chikwereti inobatanidza chikwereti chekubhadhara chikwereti uye kugadzirisa chikwereti chakabudiswa nekutora chikwereti chikwereti uye inopihwa neHUD.
Iwe unogona kukwira kusvika kune $ 35,000 chikwereti kuitira kuti uvandudze imba yako, asi chete nokuda kwenhamba shoma yemapurogiramu ekuvandudza kumba.
Sei hurumende iine rupo? Hazvina zvakawanda pamusoro pekupa sezvazviri pamusoro pehukuru, mufananidzo wepasi rese nehupfumi hweUnited States. Via HUD uye neFHA 203 (k) chirongwa, hurumende inonyanya kunetseka nezvekuvandudza kana kuchengetedza mharaunda yese uye kuvimbisa kuti sarudzo yenyika yeimba iripo isingabvumiri. Kunyange zvakadaro, iwe pachako unogona kubatsirwa nezvikonzero izvi zvakakura.
Kubatsira Kugadzirisa Equity Gap Chinetso
Kubatsira kwaFHA 203 (k) chirongwa ndechekuti inoguta muhutano husina kudiwa hunodiwa nevaimba veimba dzichangobva kutengwa.
Kutenga imba inoda rubatsiro uye kuwana mari yeiyo panguva imwechete inotyisa. Iwe unotanga kutanga kuvaka kuenzana muimba usati watora chimwe chikwereti pairi. Equity yakavakwa kazhinji kuburikidza nekubhadhara pasi mukuru pachikwereti apo imba inowanikwa mukukosha. Izvi zvinotora nguva.
Chinhu chiduku chisingadikanwi ndechokuwana chikwereti chisina kuchengetedzwa kana chechigwaro chebasa iroro rekugadzirisa. Kunyange kana iwe ukakwanisa kuwana chikwereti chisina kuchengetedzwa, zviyero zvinodarika zvichave zvakakwirira zvakanyanya kupfuura kana ukawana chikwereti chinoshandisa imba yako sechisimbiso.
Pasina FHA 203 (k), vimba vepamba vanogara vachitsvaga imba inoda kutarisirwa kworudo. Zvadaro, vanoshandisa chikwereti chekutanga chekutenga chikwereti chinongotenga chete mutengo weimba. Kunyange zvazvo izvi zvingaita zvakanaka, vakakwereta havakwanisi kukumbira kuti $ 35,000 inowedzera kuwedzerwa kune iyo yekutanga yeimba yechikwereti. Chokutanga kutora zvikwereti zvinotakura zvikwereti zvinongobhadhara mutengo iwoyo chete uye hapana chimwezve. Mushure mokunge tenga imba uye mushure mokunge tine imba kwenguva shoma, muridzi weimba aizokumbira chikwereti chechipiri chekubhadhara mari, chikwereti chekuwana chikwereti, kana HELOC (imba yekuenzanisa chikwereti chekwereti) kubhadharwa kwemakodhi.
Ndeapi HUD / FHA inozadza muchengeti iwoyo pakati pehutano hwemamiriro eimba uye chikwereti chechikwereti nekusimbisa chikwereti. Chaizvoizvo, zvakafanana nababamunini vafumi vanofamba mukati uye vanoti, "Ndichaita semutsigiri wechikwereti ichi kusvikira imba ichinatsiridzwa."
Kubatsirwa
- Iwe unotora chikwereti chekutanga chekubhadhara chikwereti kuvhara kutenga nekugadzirisa imba yako yaunoda. Izvi zvinokuponesa kubva pakutora chikwereti zviviri zvakasiyana.
- Iyi chikwereti inoshanda sechisimba chakanaka kuti uite pamusha kuvandudza. Nokuti purogiramu yacho inotarisira kuti iwe ushandise mari yekugadzirisa, iwe unofanira kutanga mukati memazuva akawanda. Izvi zvinorega kuverengera kwemakore.
- Kusiyana nezvikwereti zvinokwana nguva shoma yekubhadhara, FHA 203 (k) zvikwereti zvinowirirana nehurefu hwekutora chikwereti chako. Somuenzaniso, kana iwe uine chikwereti chemakore makumi matatu, iwewo une makore makumi matatu ekubhadhara chikamu chekugadzirisa chikwereti.
Drawbacks
- Nemhaka yezvirongwa zvepurogiramu, nguva yako yekuvhara chikwereti inowanzove yakareba kudarika kune chikwereti chairo. Nguva yekuvhara inopera kubva pamakumi matanhatu kusvika makumi mapfumbamwe mazuva.
- Sarudzo yako yevateresi ishoma. Pane kudaro, unofanirwa kushanda kubva kune HUD's list of approved FHA 203 (k) vatengesi.
- Chimwe chikamu chepombi tsvuku chinobatanidzwa. Kuti uwane chikwereti chekukweretesa, iwe uchada kutumira tsanangudzo yakajeka, kusanganisira mapurani emifananidzo.
Rwendo rweMvumo yekugadzirisa
Izvo remodels yakabvumidzwa inonzwika kudzivirira pakutanga. Asi ramba uchiyeuka kuti tsanangudzo idzi dzinogona kutambanudzwa uye dziri kuramba dzichigadziriswa. Kazhinji, HUD inofunga kuti 203 (k) mari isingashandisi "zvinhu zvekugadzira uye kuvandudza," sezvavanotaura.
Asi ivo vanosimbisawo kuti "kuvepa, nzvimbo yekuwedzera , zvigadziro nezvimwe zvinhu kunyange kana imba isingada chero humwe humwe huri nani" inowira mukati mekunge 203 (k). Mishonga inobvumira:
- Remodels kune munhu akaremara
- Gara uchigadzirira imba yekare
- Kuvandudza imba yako yekugadzirira simba
- Kunyika uye kune imwe nzvimbo yekunze nzvimbo yebasa
- Denga , gorosi , uye kugadzirisa pasi kana kugadziriswa
- Shandura chimiro chemusha uye / kana kuti kuvakazve imba
- Bvisa ngozi dzekuchengeteka
- Aesthetic improvements
- Kugadzira mapuranga , kusanganisira zvakanaka uye septic system work
- Floor add add / replacements (inosanganisira zvirwere pasi)
Ndiyo FHA 203 (k) Mutero Unoshamisa?
Pamusoro pechiso chayo, FHA 203 (k) chikwereti rehab (kanowanzoreva zvisina kukodzera sechikwereti 201k) chinogona kuita sechishamiso.
Mushure mezvose, unowana mari yekutenga imba uye mari yakawanda yekugadzirisa imba, uye iwe unowana zvose zvachose. Zvisinei, zvinokosha kuyeuka kuti:
- Ichi ichiri chikwereti, kwete mari. Inofanira kubhadharwa zvakare, kunyange iwe unenge uine urefu hwose hwechikwereti kuti uibhadhara zvakare.
- Nokuti ichi chikwereti, kufarira kuripo. Iwe unoda kutarisa purogiramu yekubhadhara kuti uone kuti chikwereti chakadii chikwereti ichi chinokubhadhara iwe hupenyu hwose hwechikwereti.
- Pamusana penguva refu yekuvhara, FHA 203 (k) haigone kukubatsira mumakwikwi ekukwikwidza uko kwaunoda kutenga nokukurumidza uye pasina zvinetso.