Intee in le'eg ayaan kasban karaa si aan guri uga iibsado USA?

Intee in le'eg ayaan kasban karaa si aan guri uga iibsado USA? Markaad guri u soo iibsanayso, kaydinta lacag aad u hooseysa guud ahaan kuma filna in la sugo amaah guri.

Intee in le'eg oo deyn ah ayaan u baahanahay si aan guri u iibsado?

Deyn -bixiyeyaashu waxay kaloo filayaan in amaah -bixiyeyaashu ay leeyihiin dhibco credit wanaagsan : ah 90% ee ah iibsadayaasha ee guryuhu waxay lahaayeen a dhibcaha ugu yaraan 650 rubuca hore ee 2020, iyo dakhli sare oo ku filan si loo hubiyo inaad awoodi doontid inaad mid walba bixisid deynta guriga. bil.

Dakhliga qaranka ee u qalma iibsashada guri waa $ 55,575 leh a 10% hormaris iyo $ 49,400 iyadoo horay loo sii labaatan% , marka loo eego xogta laga tusmo laga bilaabo qiimaha badhtamaha magaalo-weynta iyo awood-u-lahaanshaha oo ka socda Ururka Qaranka ee Realtors -ka rubuca afaraad ee 2020.

Xogtu waxay u malaynaysaa heerka amaahda ah ee 3.67% ee deyn guri oo 30 sano ah, iyo maamulaha billaha ah iyo bixinta dulsaarku waxay ku kooban tahay 25% dakhliga degganaha.

Si kastaba ha ahaatee, waxay ku xiran tahay meesha aad ku nooshahay, mushaharka aad u baahan tahay si aad ugu qalanto amaah guri. Waa kuwan dakhliga aad u baahan tahay inaad ku bixiso guri ku yaal 15ka meelood ee ugu sarreeya metro -ka Mareykanka, oo laga qiimeeyay qiimaha dhexdhexaadka ugu hooseeya ilaa kan ugu sarreeya.

Celceliska Maraykanka

Miiska dakhliga si aad guri u iibsato . Intee in le'eg ayaan u baahanahay inaan guri ka iibsado USA.

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 55,575
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 49,400
• Qiimaha Guriga Dhexe: $ 233,800

Tulsa, Oklahoma

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 35,237
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 31,322
• Qiimaha Guriga Dhexe: $ 174,300

Detroit, Michigan

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 39,361
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 34,988
• Qiimaha Guriga Dhexe: $ 194,700

New Orleans, Louisiana

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 45,184
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 40,163
• Qiimaha Guriga Dhexe: $ 223,500

Atlanta, Georgia

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 46,902
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 41,691
• Qiimaha Guriga Dhexe: $ 232,000

Philadelphia, Pennsylvania

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 48,883
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 43,452
• Qiimaha Guriga Dhexe: $ 241,800

Chicago, Illinois

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 51,491
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 45,770
• Qiimaha guriga dhexe: $ 254,700

Dallas, Texas

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 54,301
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 48,268
• Qiimaha Guriga Dhexe: $ 268,600

Nashville, Tennessee

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 56,566
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 50,281
• Qiimaha Guriga Dhexe: $ 279,800

Phoenix, Arizona

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 83,069
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 73,839
• Qiimaha guriga dhexe: $ 295,400

Portland, Oregon

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 59,719
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 53,084
• Qiimaha Guriga Dhexe: $ 410,900

New York, New York

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 86,526
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 76,912
• Qiimaha Guriga Dhexe: $ 428,000

Denver, Colorado

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 92,591
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 82,303
• Qiimaha Guriga Dhexe: $ 458,000

Boston, Massachusetts

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 97,605
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 86,760
• Qiimaha Guriga Dhexe: $ 482,800

San francisco California

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 200,143
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 177,905
• Qiimaha Guriga Dhexe: $ 990,000

San Jose, California

• Mushaharka looga baahan yahay 10% lacag bixin hore: $ 251,897
• Mushaharka looga baahan yahay 20% lacag bixin hore: $ 223,900
• Qiimaha Guriga Dhexe: $ 1,246,000

Intee in le'eg oo bixinta amaahda guryaha ah ayaan awoodaa?

Si loo xisaabiyo xaddiga guriga aad awoodi karto, waxaan tixgelineynaa qaar ka mid ah waxyaabaha ugu waaweyn, sida dakhliga qoyskaaga, deymaha billaha ah (tusaale ahaan, amaahda baabuurta iyo bixinta amaahda ardayga) iyo xaddiga keydka ah ee loo heli karo lacag bixinta hore. Iibsade guri ahaan, waxaad u baahan doontaa inaad hesho heer raaxo oo gaar ah si aad u fahanto lacagahaaga billaha ah ee guriga. deyn .

In kasta oo dakhliga qoyskaaga iyo deymaha billaha ah ee caadiga ahi ay noqon karaan kuwo xasilloon, kharashaadka lama filaanka ah iyo kharashyada aan la qorsheyn ayaa saamayn kara kaydkaaga.

Xeerka wanaagsan ee suulka la awoodi karo ayaa ah in la helo saddex bilood oo lacag bixin ah, oo ay ku jirto lacag bixinta gurigaaga iyo deymaha kale ee billaha ah, ee kaydka ah. Tani waxay kuu oggolaan doontaa inaad daboosho bixinta deynta guriga haddii ay dhacdo dhacdo lama filaan ah.

Sidee saamigaaga deynta iyo dakhligu u saameeyaa awood-u-lahaanshaha?

Halbeeg muhiim ah oo bangigaagu isticmaalo si uu u xisaabiyo xaddiga lacagta aad deynsan karto ayaa ah Saamiga DTI , kaas oo isbarbar dhigaya wadarta deymahaaga billaha ah (tusaale ahaan, bixinta deynta guriga, oo ay ku jiraan caymiska iyo bixinta canshuurta hantida) iyo dakhligaaga billaha ah canshuurta ka hor.

Iyada oo ku xiran dhibcaha dhibcahaaga, waxaa laga yaabaa inaad u qalanto qiime sare, laakiin guud ahaan, kharashaadkaaga hoygu waa inuusan dhaafin 28% dakhligaaga billaha ah.

Tusaale ahaan, haddii bixinta deynta guryaha ee billaha ah, oo leh canshuur iyo caymis, ay tahay $ 1,260 bishii oo aad leedahay dakhli bille ah oo ah $ 4,500 canshuurta ka hor, DTI -gaagu waa 28%. (1260/4500 = 0.28)

Waxa kale oo aad beddeli kartaa hannaanka si aad u ogaato waxa ay tahay miisaaniyaddaada guriyeynta adiga oo ku dhufanaya dakhligaaga 0.28. Tusaalaha kore, taasi waxay u oggolaan doontaa bixinta amaahda $ 1,260 si loo gaaro 28% DTI. (4500 X 0.28 = 1,260)

Immisa Guri ayaan ku bixin karaa Deynta FHA?

Si loo xisaabiyo xaddiga guriga aad awoodi karto, waxaan u qaadannay in ugu yaraan 20% lacag -bixin hore, aad heli karto amaah caadi ah . Si kastaba ha noqotee, haddii aad ka fiirsaneyso lacag -bixin hoose, oo ah ugu yaraan 3.5%, waxaad codsan kartaa a Amaahda FHA .

Amaahda ay taageeraan FHA Waxa kale oo ay leeyihiin heerar dhibco badan oo dabacsan, wax ay tahay inaad maskaxda ku hayso haddii aad leedahay dhibco dhibco hoose.

Amaahda caadiga ah waxay la imaan karaan lacag -bixinnada ugu hooseeya 3%, in kasta oo u -qalmitaanka uu xoogaa ka adag yahay deymaha FHA.

Intee in le'eg oo guri ah ayaan ku bixin karaa amaahda VA?

Iyada oo leh xiriir ciidan, waad awoodaa u qalma amaahda VA . Taasi waa heshiis weyn, maxaa yeelay rahaamadda ay taageerto Waaxda Arrimaha Ciidamadu guud ahaan uma baahna lacag -bixin hore. Xisaabiyeha Awooda La'aanta Guriga ee NerdWallet ayaa ka faa'iideysanaya faa'iidadaas weyn marka la xisaabinayo qodobbada helitaankaaga gaarka ah.

Xeerka 28% / 36%: Waa Maxay iyo Sababta ay Muhiim u tahay

Si aan u xisaabiyo inta guri ee aan awoodi karo, xeerka wanaagsan ee suulka ayaa ah in la isticmaalo xeerka 28% / 36%, kaas oo dhigaya inaadan ku bixin wax ka badan 28% dakhliga guud ee bil kasta kharashyada la xiriira guriga iyo 36% daymaha guud.

Tusaale: Haddii aad bishii samaysato $ 5,500 oo aad haysato $ 500 deymaha jira, lacagta deynta gurigaaga ee billaha ah waa inaysan ka badnaan $ 1,480.

Xeerka 28% / 36% waa bar bilow ah oo si weyn loo aqbalay si loo go'aamiyo awood u lahaanshaha guriga, laakiin waxaad weli dooneysaa inaad tixgeliso xaaladdaada maaliyadeed oo dhan markaad tixgelinayso xaddiga guriyeynta aad awoodi kartid.

Maxay yihiin arrimuhu waxay iga caawiyaan go'aaminta inta guri ee aan awoodi karo?

Qodobbada ugu muhiimsan ee xisaabinta awoodi waa 1) dakhligaaga bishii; 2) kaydka lacag caddaan ah oo daboolaya kharashaadka bixinta iyo xidhitaanka; 3) kharashyadaada bishii; 4) astaantaada amaahda.

• Dakhliga: lacagta aad si joogto ah u hesho, sida mushaharkaaga ama dakhligaaga maalgashiga. Dakhligaagu wuxuu kaa caawinayaa samaynta aasaas u ah waxa aad awoodi kartid bil kasta.
• Kaydadka lacag caddaan ah: Kani waa xaddiga lacagta ah ee aad haysato si aad u bixisid oo aad u daboosho kharashyada xidhitaanka. Waxaad isticmaali kartaa kaydkaaga, maalgelintaada, ama ilo kale.
• Deynta iyo kharashyada: waajibaadka billaha ah ee aad yeelan karto sida kaararka amaahda, lacag bixinta baabuurka, amaahda ardayga, raashinka, adeegyada, caymiska, iwm.
• Astaanta sumcadda: Dhibcahaaga amaahda iyo xaddiga deynta ee aad leedahay ayaa saamayn ku yeelanaya aragtida dayn -bixiyuhu adiga kugu qabo sida deyn -bixiye. Arrimahan ayaa kaa caawin doona go'aaminta inta lacag ah ee aad amaahan karto iyo dulsaarka dulsaarka guryaha ee aad kasban doonto.

Awood -u -lahaanshaha guriga wuxuu ka bilaabmaa heerka deynta gurigaaga

Waxaa laga yaabaa inaad dareento in xisaab kasta oo la awoodi karo ee guriga ay ku jirto qiyaasta dulsaarka amaahda guryaha ee lagaa qaadi doono. Deyn -bixiyeyaasha ayaa go'aamin doona haddii aad u qalanto amaah ku saleysan afar arrimood oo waaweyn:

1. Saamigaaga deynta iyo dakhliga, sidaan hore uga wada hadalnay.
2. Taariikhdaada bixinta biilasha waqtigeeda.
3. Caddaynta dakhliga joogtada ah.
4. Qaddarka hormariska ah ee aad keydisay, oo ay weheliso barkin maaliyadeed oo loogu talagalay xiritaanka kharashaadka iyo kharashaadka kale ee aad geli doonto markaad u guurto guri cusub.

Haddii dayn -bixiyeyaashu go'aamiyaan inaad u qalanto deyn, markaa waxay qiimeyn doonaan amaahdaada. Taas micnaheedu waa go'aaminta dulsaarka lagugu soo dallacayo. Dhibcaha deyntaada ayaa inta badan go'aamisa heerka deynta ee aad heli doonto.

Dabcan, dulsaarkaaga oo hoos u dhaca, ayaa hoos u dhigaya bixinta bil kasta.

Tusmada

• Intee in le'eg oo deyn ah ayaan u baahanahay si aan guri u iibsado?
• Celceliska Maraykanka
• Tulsa, Oklahoma
• Detroit, Michigan
• New Orleans, Louisiana
• Atlanta, Georgia
• Philadelphia, Pennsylvania
• Chicago, Illinois
• Dallas, Texas
• Nashville, Tennessee
• Phoenix, Arizona
• Portland, Oregon
• New York, New York
• Denver, Colorado
• Boston, Massachusetts
• San francisco California
• San Jose, California
• Intee in le'eg oo bixinta amaahda guryaha ah ayaan awoodaa?
• Sidee saamigaaga deynta iyo dakhligu u saameeyaa awood-u-lahaanshaha?
• Immisa Guri ayaan ku bixin karaa Deynta FHA?
• Intee in le'eg oo guri ah ayaan ku bixin karaa amaahda VA?
• Xeerka 28% / 36%: Waa Maxay iyo Sababta ay Muhiim u tahay
• Maxay yihiin arrimuhu waxay iga caawiyaan go'aaminta inta guri ee aan awoodi karo?
• Awood -u -lahaanshaha guriga wuxuu ka bilaabmaa heerka deynta gurigaaga

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