Ijambo ryibanze: FHA;Amafaranga yinjira;Ibisanzwe;Inguzanyo.
Ubwoko bw'inguzanyo busanzwe bwa FHA: Ninde ubereye?
Inguzanyo ya FHA yemerera amanota make yinguzanyo kandi irashobora koroha kuzuza ibisabwa kuruta inguzanyo isanzwe.Ariko, inguzanyo zisanzwe ntizishobora gusaba ubwishingizi bwinguzanyo hamwe nubwishyu buke buhagije.Inyungu ya FHA vs ibisanzwe kugeza kubikenerwa kugiti cye.
Reka turebe ubwoko bwombi bwinguzanyo kugirango tugufashe guhitamo igikwiye.
Imbonerahamwe yo Kuguriza FHA vs Inguzanyo
|
| Inguzanyo isanzwe 97 | Inguzanyo ya FHA |
| Amafaranga yishyuwe mbere | 3% | 3.50% |
| Amanota ntarengwa y'inguzanyo | 620 | 580 |
| Inguzanyo y'inguzanyo ya 2021 (mu bice byinshi) | $ 548.250 | $ 356.362 |
| Umubare ntarengwa | Nta karimbi kinjiza | Nta karimbi kinjiza |
| Umusanzu ntarengwa wo mu mufuka | 0% (Kwishura mbere no gufunga birashobora kuba amafaranga 100% yimpano, inkunga, cyangwa inguzanyo) | 0% (Kwishura mbere no gufunga birashobora kuba amafaranga 100% yimpano, inkunga, cyangwa inguzanyo) |
| Ubwishingizi bw'inguzanyo | Kwishyura buri kwezi birasabwa niba ufite ubwishyu buke buri munsi ya 20%, ariko muri rusange, imodoka yubwishingizi irangira mugihe igipimo cyinguzanyo-cyagaciro kigeze kuri 78%. | Kwishyura mbere na buri kwezi, mugihe cyigihe cyinguzanyo, birasabwa. |
FHA ninguzanyo zisanzwe: Itandukaniro ryingenzi
Inguzanyo ya FHA isaba ubwishingizi bwinguzanyo utitaye kumafaranga yishyuwe mbere, ugereranije ninguzanyo zisanzwe aho ukeneye ubwishingizi bwinguzanyo kugirango wishyure mbere ya 20%.Ubwishingizi bw'inguzanyo ya FHA buzaba bumwe utitaye ku manota y'inguzanyo.
Inguzanyo ya FHA
Amanota yo hasi yinguzanyo yemerewe
Ibipimo byinshi byumutungo
Hariho amafaranga menshi yo kwishyura akenewe
Insurance Ubwishingizi bw'inguzanyo bwite (PMI) burasabwa kwishyura mbere munsi ya 20%
Inguzanyo zisanzwe
Score Amanota yinguzanyo akenewe (byibuze 620)
Gutoya gato kwishyura byemewe
Insurance Ubwishingizi bw'inguzanyo bwite (PMI) burasabwa kwishyura mbere munsi ya 20%
Ibipimo byinshi byumutungo wubuntu
Niba uri umuguzi wambere murugo cyangwa ushaka gutera inkunga, birashoboka ko wibaza ibibazo nkibi.Ibihe bitandukanye bisaba ubwoko butandukanye bwinguzanyo.Muri iyi ngingo, tuzareba kuri FHA ninguzanyo zisanzwe.Ukoresheje ingero, iyi ngingo izaguha kumva neza ubu bwoko bubiri bwinguzanyo, inyungu zabo nibibi.
Igihe cyo kohereza: Mutarama-20-2022