Ke lokela ho fumana chelete e kae ho reka ntlo USA? Ha o reka ntlong, ho boloka tefo e tlase haholo hangata ho ke ke ha lekana ho boloka mokitlane.
Ke hloka mokitlane o mokae ho reka ntlo?
Barekisi ba boetse ba lebelletse hore ba alimang ba be le lintlha tse nepahetseng tsa mokitlane : the 90% ea bareki ea matlo e ne e na le lintlha tsa bonyane 650 kotareng ea pele ea 2020, le lekeno le phahameng ho lekana ho netefatsa hore o tla khona ho etsa litefiso tsa hau tsa mokoloto ka mong. khoeli.
Lekeno la naha le tšoanelehang ho reka ntlo ke $ 55,575 ka 10% pele le $ 49,400 ka tsoelo-pele ea mashome a mabeli% , ho latela data ho tloha index ho tloha Litheko tsa toropo le bohareng ba boholo ba toropo le theko e tlase ho tsoa ho National Association of Realtors bakeng sa kotara ea bone ea 2020.
Lintlha li nka sekhahla sa mokoloto oa ntlo ea 3.67% bakeng sa mokoloto oa ntlo o sa fetoheng oa lilemo tse 30, mme tefo ea khoeli le khoeli le phaello ea phaello e lekantsoe ho 25% ea lekeno la moahi.
Leha ho le joalo, ho latela hore na o lula kae, moputso oo u o hlokang ho tšoaneleha bakeng sa mokoloto oa ntlo o fapana haholo. Mona ke chelete eo u hlokang ho e lefa bakeng sa lehae libakeng tse holimo tsa litoropo tsa US tsa 15, ho tloha ka theko e tlase ho ea holimo.
Karolelano ea Amerika
Tafole ea chelete ea ho reka ntlo . Ke hloka bokae ho reka ntlo USA.
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 55,575
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 49,400
- Theko ea Lehae ea Bohareng: $ 233,800
Tulsa, Oklahoma
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 35,237
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 31,322
- Theko ea Lehae ea Bohareng: $ 174,300
Detroit, Michigan
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 39,361
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 34,988
- Theko ea Lehae ea Bohareng: $ 194,700
New Orleans, Louisiana
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 45,184
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 40,163
- Theko ea Lehae ea Bohareng: $ 223,500
Atlanta, Georgia
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 46,902
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 41,691
- Theko ea Lehae ea Bohareng: $ 232,000
Philadelphia, Pennsylvania
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 48,883
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 43,452
- Theko ea Lehae ea Bohareng: $ 241,800
Chicago, Illinois
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 51,491
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 45,770
- Theko ea lehae ea mahaeng: $ 254,700
Dallas, Texas
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 54,301
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 48,268
- Theko ea Lehae ea Bohareng: $ 268,600
Nashville, Tennessee
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 56,566
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 50,281
- Theko ea Lehae ea Bohareng: $ 279,800
Phoenix, Arizona
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 83,069
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 73,839
- Theko ea lehae ea lehae: $ 295,400
Portland, Oregon
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 59,719
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 53,084
- Theko ea Lehae ea Bohareng: $ 410,900
New York, New York
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 86,526
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 76,912
- Theko ea Lehae ea Bohareng: $ 428,000
Denver, Colorado
- Meputso e hlokahala ka tefo ea 10% tlase: $ 92,591
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 82,303
- Theko ea Lehae ea Bohareng: $ 458,000
Boston, Massachusetts
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 97,605
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 86,760
- Theko ea Lehae ea Bohareng: $ 482,800
San francisco California
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 200,143
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 177,905
- Theko ea Lehae ea Bohareng: $ 990,000
San Jose, California
- Meputso e hlokahala ka tefo ea 10% ea tlase: $ 251,897
- Meputso e hlokahala ka tefo ea 20% ea tlase: $ 223,900
- Theko ea Lehae ea Bohareng: $ 1,246,000
Nka lefella bokae?
Ho bala palo ea ntlo eo u ka e khonang, re ela hloko likarolo tsa mantlha, joalo ka lekeno la ntlo ea hau, mekoloto ea khoeli le khoeli (mohlala, likalimo tsa likoloi le litefo tsa kalimo ea moithuti) le palo ea chelete e fumanehang bakeng sa tefo e tlase. Joaloka moreki oa lehae, o tla batla ho ba le boemo bo itseng ba matšeliso ho utloisisa litefo tsa hau tsa khoeli le khoeli tsa ntlo. mokoloto oa ntlo .
Le ha chelete ea hau ea lelapa le mekoloto ea hau ea khoeli le khoeli e ka ba e tsitsitseng, litšenyehelo tse sa lebelloang le litšenyehelo tse sa reroang li ka ama chelete eo u e bolokileng.
Molao o motle oa ho khona ho ba teng ke ho ba le litefo tsa likhoeli tse tharo, ho kenyeletsoa tefo ea hau ea ntlo le mekoloto e meng ea khoeli le khoeli. Sena se tla u lumella ho koahela tefo ea hau ea mokoloto ketsahalong ea ketsahalo e sa lebelloang.
Karole ea hau ea mokoloto ho ea ho moputso e ama theko e tlase joang?
Metric ea bohlokoa eo banka ea hau ee sebelisang ho fumana palo ea chelete eo u ka e alimang ke Karolelano ea DTI , e bapisang likoloto tsa hau tsa khoeli le khoeli (mohlala, litefiso tsa hau tsa ntlo, ho kenyeletsoa inshorense le litefiso tsa lekhetho la thepa) le lekeno la hau la khoeli le khoeli pele ho lekhetho.
Ho latela palo ea mokoloto oa hau, o ka tšoaneleha ka sekhahla se phahameng, empa ka kakaretso, litšenyehelo tsa hau tsa bolulo ha lia lokela ho feta 28% ea moputso oa hau oa khoeli le khoeli.
Mohlala, haeba tefo ea hau ea khoeli le khoeli ea mokoloto oa ntlo, le lekhetho le inshorense, ke $ 1,260 ka khoeli mme o na le lekeno la khoeli le khoeli la $ 4,500 pele ho lekhetho, DTI ea hau ke 28%. (1260/4500 = 0.28)
U ka khutlisa ts'ebetso ho fumana hore na tekanyetso ea hau ea matlo e lokela ho ba eng ka ho atisa chelete ea hau ka 0,28. Mohlala o kaholimo, seo se ka lumella tefo ea mokoloto oa ntlo ea $ 1,260 ho fihlela 28% DTI. (4500 X 0.28 = 1,260)
Nka lefa bokae lapeng ka mokoloto oa FHA?
Ho bala palo ea ntlo eo u ka e khonang, re nkile hore bonyane ka 20% ea tefo e tlase, o ka fumana mokoloto o tloaelehileng . Leha ho le joalo, haeba u ntse u nahana ka tefo e tlase, tlase ho bonyane ba 3.5%, u ka kopa Mokoloto oa FHA .
Lichelete tse tšehelitsoeng ke FHA Ba boetse ba na le litekanyetso tse iketlileng tsa ho beha lintlha, ho hong ho lokelang ho hopoloa kelellong ea hau haeba u na le lintlha tse tlase tsa mokitlane.
Likalimo tse tloaelehileng li ka tla le litefo tse tlase ho tlase ho 3%, leha ho tšoaneleha ho le thata haholo ho feta ka mekoloto ea FHA.
Nka fumana ntlo e kae ka mokoloto oa VA?
Ka khokahano ea sesole, o ka khona tšoaneleha bakeng sa mokoloto oa VA . Ke bothata bo boholo, hobane mekoloto ea ntlo e tšehelitsoeng ke Lefapha la Veterans Affairs ha e hloke ho pataloa. NerdWallet Home Affordability Calculator e nka monyetla oo o moholo ha o bala lintlha tsa hau tse fumanehang.
Molao oa 28% / 36%: Seo e leng sona le hobaneng se le bohlokoa
Ho bala hore na nka reka ntlo e kae, molao o motle oa ho sebelisa monoana o motona ke ho sebelisa molao oa 28% / 36%, o bolelang hore ha oa lokela ho sebelisa chelete e fetang 28% ea lekeno la hau la khoeli le khoeli ho litšenyehelo tse amanang le ntlo le 36% ho mekoloto e felletseng.
Mohlala: Haeba u etsa $ 5,500 ka khoeli 'me u na le $ 500 likolotong tse teng, tefo ea hau ea ntlo le ntlo ea hau ha ea lokela ho feta $ 1,480.
Molao oa 28% / 36% ke qalo e amoheloang hohle ea ho fumana theko ea ntlo, empa o ntse o batla ho nahana ka boemo ba hau ba lichelete ha o nahana ka palo ea matlo ao o ka a fihlelang.
Ke lintlha life tse thusang ho tseba hore na nka reka ntlo e kae?
Lintlha tsa bohlokoa tsa ho bala theko ke 1) moputso oa hau oa khoeli le khoeli; 2) mehloli ea chelete ho koahela litšenyehelo tsa tefo le ho koala; 3) litšenyehelo tsa hau tsa khoeli le khoeli; 4) boemo ba hau ba mokoloto.
- Chelete: chelete eo u e fumanang khafetsa, joalo ka moputso oa hau kapa lekeno la matsete. Lekeno la hau le thusa ho theha motheo oa seo o ka se khonang khoeli le khoeli.
- Chelete e bolokiloeng: Ena ke chelete eo u nang le eona ea ho etsa tefo ea tlase le ho koahela litšenyehelo tsa ho koala. U ka sebelisa chelete eo u e bolokileng, matsete kapa mehloli e meng.
- Mokoloto le litsenyehelo: Boikarabello ba khoeli le khoeli boo u ka bang le bona joalo ka likarete tsa mokoloto, litefo tsa koloi, likalimo tsa baithuti, korosari, lits'ebeletso, inshorense, jj.
- Boemo ba mokoloto: Palo ea mokoloto oa hau le sekoloto seo u nang le sona se susumetsa maikutlo a mokoloto joalo ka uena joalo ka mokoloto. Lintlha tseo li tla thusa ho tseba hore na u ka alima chelete e kae le sekhahla sa tsoala seo u tla se fumana.
Theko ea lapeng e qala ka sekhahla sa mokoloto oa hau oa ntlo
Mohlomong u tla hlokomela hore lipalo tsa theko e tlase ea ntlo li kenyelletsa khakanyo ea sekhahla sa phaello ea mokoloto oa ntlo oo u tla o lefisoa. Bakalimi ba tla tseba hore na oa tšoaneleha bakeng sa kalimo ho ipapisitsoe le lintlha tse 'ne tsa mantlha:
- Karolelano ea mokoloto oa hau ho ea ho moputso, joalo ka ha re tšohlile pejana.
- Nalane ea hau ea ho lefa mekoloto ka nako.
- Bopaki ba chelete e kenang khafetsa.
- Chelete ea tefo eo u e bolokileng, hammoho le mokokotlo oa lichelete bakeng sa ho koala litšenyehelo le litšenyehelo tse ling tseo u tla li fumana ha u fallela ntlong e ncha.
Haeba ba alimang ba bona hore o tšoaneloa ke mokitlane oa ntlo, ba tla reka mokoloto oa hau. Seo se bolela ho khetha sekhahla sa tsoala seo u tla se lefisoa. Palo ea hau ea mokoloto e khetha sekhahla sa mokoloto oa ntlo oo u tla o fumana.
Ka tlhaho, ha u theola sekhahla sa phaello ea hau, moputso oa hau oa khoeli le khoeli oa theoha.
Tse ka Hare
- Ke hloka mokitlane o mokae ho reka ntlo?
- Karolelano ea Amerika
- 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
- Nka lefella bokae?
- Karole ea hau ea mokoloto ho ea ho moputso e ama theko e tlase joang?
- Nka lefa bokae lapeng ka mokoloto oa FHA?
- Nka fumana ntlo e kae ka mokoloto oa VA?
- Molao oa 28% / 36%: Seo e leng sona le hobaneng se le bohlokoa
- Ke lintlha life tse thusang ho tseba hore na nka reka ntlo e kae?
- Theko ea lapeng e qala ka sekhahla sa mokoloto oa hau oa ntlo