Malipiro a Zero Pansi kwa ogula nyumba koyamba m’malo ocheperako

Pofuna kuthana ndi kusiyana kwachuma komwe kukupitilirabe, imodzi mwa mabanki akuluakulu mdziko muno yakhazikitsa pulogalamu yobwereketsa nyumba yomwe imayang’ana ogula nyumba koyamba m’madera akuda ndi a Latino. Kuyenerera kokulirapo kwa pulogalamuyi kumachotsa zopinga zazikulu za umwini wa nyumba – koma zitha kubweretsanso chiwopsezo chosasinthika kwa obwereka omwe alibe chitetezo chochepa.

Ngongole yatsopano popanda kulipira

Njira yatsopano yobwereketsa ngongole ku Bank of America imafunikira kuti musamalipire, palibe ndalama zotsekera, palibe ngongole yocheperako komanso inshuwaransi yanyumba. Pulogalamuyi pakadali pano imangokhala kwa ogula koyamba ku Africa-America, Black, ndi madera aku Spain ku Charlotte, Dallas, Detroit, Los Angeles, ndi Miami. Kusiyanitsa kwakukulu: Kuphatikiza pa zomwe wogula amafunikira koyamba, banki idzazindikira kuyenerera kwa pulogalamuyi potengera malo ndi ndalama za wobwereka, osati mtundu.

Mkulu wina wa bungwe lodziwika bwino la anthu akuda omwe amagulitsa nyumba ndi nyumba anayamikira zomwe bankiyo yachita.

akutero Danny Felton, wogulitsa malo ku Miami komanso wachiwiri kwa purezidenti wa National Association of Realtors.

Mu gawo lowolowa manja la pulogalamu ya Bank of America, obwereka samapatsidwa ndalama za inshuwaransi yanyumba. Ngongole zambiri zotsika mtengo, komanso 3.5 peresenti ya FHA ngongole, zimakhala ndi inshuwaransi yanyumba. Felton akufotokoza chithunzithunzi ichi kuti “anthu osauka amalipira kwambiri”.

Kusalinganika kwachuma kwa nyumba

Pulogalamu ya Bank of America ikufuna kuthana ndi vuto lomwe likupitilira msika wanyumba waku US: kulimbana kwa anthu akuda ndi a ku Puerto Rico kuti akhale ndi nyumba. Ngakhale pafupifupi magawo atatu mwa anthu atatu mwa anthu atatu aliwonse aku America oyera anali ndi nyumba kuyambira kotala lachiwiri la 2022, osakwana theka la anthu akuda ndi a ku Spain aku America anali ndi nyumba, malinga ndi US Census Bureau.

Pali zifukwa zambiri zomwe zimapangitsa kusiyana kwa eni nyumba, kuphatikiza ndalama zochepa komanso chuma chochepa cha mabanja pakati pa anthu akuda ndi a ku Puerto Rico, komanso mbiri yamakampani obwereketsa nyumba zatsankho. Obwereketsa nyumba akhala akusiya machitidwe omwe amakondera kwambiri monga mzere wofiira, koma mabala azachuma akuchedwa kuchira. Kafukufuku wochuluka akusonyeza kuti nyumba za anthu a ku America lerolino ndizochepa, ndipo kafukufuku wina waposachedwapa, pafupifupi theka la ogula nyumba akuda ndi a Latino adanena kuti anataya nyumba m’madera ena chifukwa cha tsankho.

Wobwereka chenjerani

Pulogalamu ya Bank of America ndiyokongola kwa obwereka oyenerera. Komabe, zimabweranso ndi zina za mbendera yofiira: Poyerekeza ndi obwereka omwe amachotsa zopinga zoyenerera, obwereka omwe amagula nyumba popanda malipiro, opanda ndalama zotsekera komanso opanda ngongole yochepa, amakumana ndi chiopsezo chachikulu cha kusakhulupirika. Kuti muchepetse chiwopsezochi, banki imafuna obwereka mu pulogalamuyi kuti amalize maphunziro a certification ogula nyumba.

Komabe, eni ake atsopanowa adzagula pamsika womwe ungakhale wapamwamba kwambiri pamsika wa nyumba, ndipo popanda malipiro omwe amawateteza kuti asagwere mitengo.

“Kuphatikizanso pulogalamu yokhala ndi zolinga zabwino, kupereka pulogalamu yopanda malipiro kwa ogula nyumba koyamba pambuyo kukwera kwakukulu kwamitengo yanyumba kungapangitse ena ogula nyumba kulephera ngati mitengo yanyumba ikutsika kapena kugunda momwe akufunira,” akutero Greg McBride. , katswiri wamkulu wa zachuma ku Bankrate.” “Popanda kukwera mtengo kwabwino kwa nyumba, ngongole ya ngongole siidzatsika mofulumira kuti ipange ndalama zokwanira ngati eni nyumba akufunikira kugulitsa mkati mwa zaka zingapo.”

Kwa anthu ambiri aku America, kukhala ndi nyumba ndi njira yofunika kwambiri yopangira chuma. Kusakhazikika pa ngongole yobwereketsa kapena kutsekereza kumatha kukhala kowononga pantchito iyi.

Mwa kuyankhula kwina, kugula tsopano ndi ntchito yolinganiza, makamaka kwa iwo omwe akukhala ndi ndalama zochepa.

Felton akuti zofunikira zogulira nyumba kubanki ndizofunikira kwambiri, komabe – ndipo ngakhale sizingalamulire kuti apereke ngongole zochepa kuti ayenerere, banki iwonanso mbiri yangongole ndi yolipira, monga inshuwaransi yamagalimoto, lendi ndi zofunikira.

“Si pulogalamu yopanda ngongole,” akutero Felton. “Muyenera kukhala ndi mizere itatu yogulitsa kwa miyezi 12, mbiri yangongole.”

Malangizo kwa Obwereka Oyenerera

Kwa oyenerera ogula nyumba, Bank of America initiative imapereka mwayi wokwanira. Ngakhale mapulogalamu angapo a ngongole amathandizira ogula omwe ali ndi malipiro ochepa kapena osatsika, onse amabwera ndi chindapusa chokwera pazinthu monga inshuwaransi yanyumba.

  • Onetsetsani kuti mwakonzeka. Musanayambe kukhala mwini nyumba, yang’anani mosamala ndalama zanu. Onetsetsani kuti mutha kubweza ngongole yanu yanyumba komanso ngongole za ophunzira, zolipirira magalimoto, kapena ngongole zina. Ganiziraninso kukhazikika kwa ndalama zomwe mumapeza.
  • Pezani ndalama zanu. Kukhala ndi nyumba nthawi zambiri ndi njira yabwino yopezera ndalama, koma ndi yokwera mtengo. Kuphatikiza pa misonkho ya katundu ndi inshuwaransi ya eni nyumba, mulinso pamavuto pakukonza, kukonza, kuwononga tizirombo, kukonza malo, ndi ndalama zina zomwe zikupitilira.
  • Sakani mapulogalamu othandizira. Mayiko ambiri, mizinda ina, ndi mabungwe osapindula amapereka thandizo lolipiriratu kwa omwe amagula nyumba koyamba. Ngakhale simukugula m’dera lomwe Bank of America adayambitsa, mapulogalamu othandizira ogula nyumba amapezeka m’dziko lonselo.
  • Ganizirani zakuba kunyumba. Dzina latsopano la njira yakale, kuthyolako nyumba kumatanthauza kukhala mu duplex kapena triplex. Mumakhala ndi gawo limodzi ndikubwereka inayo, ndipo obwereketsa amakuthandizani kulipira ngongoleyo.

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