FHA Loan for Duplex: A Comprehensive Guide

Introduction

Kya aap ek duplex khareedne ki soch rahe hain aur soch rahe hain kya aap ek FHA loan ke liye qualify ho sakte hain? To phir aap sahi jagah hain! Is mukammal rehnuma mein, hum aapko duplexes ke liye FHA loans ke bare mein jaankari denge. Chahe aap pehli baar ghar khareed rahe hain ya ek anubhavi niveshak hain, FHA loans aapke duplex khareedne ke liye ek mazboot vikalpon mein se ek ho sakte hain. Hum yahaan par aapko yogyata, down payment vikalpon, kirayedar aay ka vichar, loan seemaayein, aur aur bhi cheezein samjhane wale hain. Chaliye shuru karte hain!

FHA Loan Kya Hai?

Duplex ke liye FHA loans ke visheshataon mein ghusne se pehle, chaliye sabse pehle samajh lein ki FHA loan kya hota hai. Ek FHA loan ek sarkari ke support wale mortgage hai jo Federal Housing Administration dwaara bima kiya gaya hai. Iska udeshya ghar kharidne ko adhik upalabhya banane ka hai, vishesh roop se un logo ke liye jo kam credit score ya simit down payment funds ke saath hain. FHA loans pehli baar ghar kharidne wale aur un logo ke liye akarshak hain jo credit ya vittik pratibandhon ke karan prachin loans ke liye yogyata nahi rakh sakte hain. Read More…

FHA Loan for Duplex: Yogyata aur Margdarshan

Agar aap ek FHA loan ke saath duplex khareedne mein ruchi rakhte hain, to aapko iske kuch nirdharan aur margdarshanon ke bare mein jankari honi chahiye. Yahaan par mukhya FHA loan duplex ki avashyaktaayein hain:

  1. Mool Nivas: Kam se kam ek unit duplex mein aapka mool nivas hona chahiye.
  2. Aay Dastavej: Aapko apni aay ko pay stubs, W2s, aur tax returns ke dastavej se yogyata prapt karne ki avashyakta hogi.
  3. Debt-to-Income Ratio: Anumati yogy debt-to-income ratio 56.9% hai.
  4. Nivasial Vargaman Chatushpad: Bhawan ke andar ke vargaman ki kam se kam 51% ko nivasial roop mein ghoshit kiya jana chahiye.
  5. Credit Score: Nyoontam credit score ki avashyakta 500 hai.

Yah mahatvapurn hai ki kuch lenders ke paas yogyata ke liye adhik maangadhant aavashyaktaayein ho sakti hain. Hamesha ek jankari se yukt loan officer se paramarsh lene ka achha vichar hai jo aapko is prakriya mein madad kar sakta hai aur kisi bhi sambhav pratibandh ko paar karne mein madad kar sakta hai.

FHA Duplex Down Payment

Ek FHA loan ke saath khareede gaye duplex ke liye down payment ke mamle mein, ekke se kam a family home ke liye vahi vikalpon hain. Down payment aapke credit score par nirbhar karega:

  1. Kam se kam 580 ke credit score ke liye, down payment 3.5% hai.
  2. 500 se 579 ke credit score ke liye, down payment 10% hai.

For example, agar aapke credit score 620 hai aur aap ek $450,000 ke duplex ko khareedne ka iraada rakhte hain, to aapka down payment khareedne ke moolya ka 3.5% hoga, jo $15,750 ke barabar hai. Yah mahatvapurn hai ki FHA loans down payment aur band kharach ko dhakl dene ke liye ek sambandhi se aaye waale ke uphaar funds ko anumati dete hain.

FHA Duplex Loan Seemaayein

FHA loan seemaayein pradesh ke anusaar alag alag hoti hain aur har varsh badalne ki sthiti mein hoti hain. Yeh seemaayein niyantrit kar leti hain ki duplex ke liye FHA loan ka istemal karke kitna adhik rashi aap udhaar le sakte hain. Yahaan par 2023 mein duplex ke liye FHA loan seemaayein hain:

Sasti-kimati kshetron mein:

  • Ek parivaar wala nivaas: $420,680
  • Duplex: $538,650
  • Triplex: $651,050
  • Chaar-plex: $809,150

Uchch-kimati kshetron mein:

  • Ek parivaar wala nivaas: $970,800
  • Duplex: $1,243,050
  • Triplex: $1,502,475
  • Chaar-plex: $1,867,275

Apne vishesh kshetra mein FHA loan seemaon ka pata lagane ke liye aap hamara FHA loan seemaayein khojne ka upakaran istemal kar sakte hain.

Kirayedar Aay Ka Vichar

Ek FHA loan ke saath duplex khareedne ki ek mahatvapurn visheshta yah hai ki aap loan ke liye kirayedar aay ka istemal kar sakte hain. Ek FHA loan ke liye duplex par kirayedar aay ka aise tarike se hisab lagaya jata hai:

  1. 75% Ka Niyam: FHA margdarshan aapko aapke mortgage aavedan par kirayedar unit se aane wale anumanit kirayedar aay ka 75% istemal karne ki anumati deta hai.
  2. Aay Ki Nirdharan: Anumanit aay ko vartaman kiraya samjhane ya sampatti ke sambhaavana ki moolyaankan ke dwara nirdharit kiya jata hai.
  3. Alpakaalik Kiraye: Yah mahatvapurn hai ki aap ek FHA loan ke liye yogyata prapt karne ke liye Airbnb ya Vrbo jaise alpakaalik kirayedar se aay ka istemal nahi kar sakte.

Kirayedar aay ko apne loan aavedan mein shaamil karke aap apni aay ki sthiti ko adhik banwa sakte hain aur sankhyik roop se adhik rashi ka loan prapt karne ke liye yogyata prapt kar sakte hain.

Pehla Ghar Ke Roop Mein Duplex Khareedna

Ek duplex ko apna pehla ghar ke roop mein khareedna ek budhimaan vittiya kadam ho sakta hai. Aap keval ghar ka lutf utha sakte hain, balki aap doosri unit ko kiraye par dekar apne mortgage bhugtan ko samanya bana sakte hain. Yahaan kuch mukhya vichar hain jo aapko apna pehla ghar ke roop mein duplex khareedne ke liye:

  1. FHA Malik Nivas Avashyakta: Ek FHA loan ke liye yogyata prapt karne ke liye, aapko duplex ke kam se kam ek unit ko apna mool nivas banana hoga. Aapko kharidne ke din ke ek varsh tak us unit mein rahna hoga.
  2. Malak Jimmedari: Ek duplex ka malak banne ka matlab hai ek kirayedar ke roop mein zimmedari le lena. Ismein kirayedar ki shikayaton ka jawab dena, marammat karna aur kirayedar ke bhugtan ko sambhalna shamil hai. Yah mahatvapurn hai malak hone ke aane wali zimmedariyon ke liye tayyar rehna.
  3. Bhavishya Nivesh Avsaron: Ek duplex ka malak banne se aap bhavishya mein vastu niveshan ke liye ek kadam sambhal sakte hain. Ek bar aapne aap ko malak ke roop mein majbooti dila di aur malak ke roop mein anubhav prapt kiya, to aap apne duplex ko ek niveshan ke roop mein dharte hue aur aur duplex ko sambhalte hue aur bhi adhik properties kharidne ka vichar kar sakte hain.

Yah mahatvapurn hai ki aap apne pehle ghar ke roop mein ek duplex ko khareedne ki sujhav aur nuksaan ka vichar karein aur dekhein ki kya yah aapke lambe kalik vittiya lakshyon ke saath mel khata hai.

FHA Loan for Duplex: Aksar Pooche Jaane Wale Prashn

  1. Kya aap ek FHA loan ke saath ek duplex khareed sakte hain?Haan, aap ek FHA loan ke saath ek duplex khareed sakte hain. FHA loans aapko ek primary residence ke roop mein kam se kam ek unit ko apne roop mein rakhne ki anumati dete hain.
  2. Ek FHA loan ke liye kitna down payment ki avashyakta hoti hai?Ek FHA loan ke liye down payment ki avashyakta aapke credit score par nirbhar karti hai. Kam se kam 580 ke credit score ke liye, down payment 3.5% hai. 500 se 579 ke credit score ke liye, down payment 10% hai.
  3. Kya main ek FHA loan ka upayog nivesh sampatti ke liye kar sakta hoon?FHA loans mukhya roop se malik rahit properties ke liye nirdharit hain.
  4. Kitne FHA loans aap ek saath rakh sakte hain?Aam taur par, aap ek samay mein keval ek FHA loan rakh sakte hain. H
  5. Duplex ki kimat kitni hoti hai?Duplexon ki kimat sthal, aakar aur sthiti ke anurup alag ho sakti hai. Aap apne chuni hui kshetra mein nivas ke bhaugolik bazar ka anusandhan karke duplexon ki kimat ke baare mein ek vichar prapt kar sakte hain.
  6. Kya main doosre ghar par ek FHA loan prapt kar sakta hoon?FHA loans mukhya nivason ke liye hote hain, isliye ve samanya roop se doosre ghar ke liye istemal nahi hote hain.

Conclusion

Ek FHA loan ke saath ek duplex khareedna ek aise avasar pradan karta hai jisse aap ghar ke malik ban sakte hain aur kirayedar aay utpann kar sakte hain. Kam down payment ki avashyakta, aay ki yogyata ke liye kirayedar aay ka istemal karne ki anumati, aur laabhkari loan seemayein ke saath, FHA loans aapke duplex khareedne ke liye ek uttam vikalp ho sakte hain.

Hamaare FHA duplexon ke liye mukammal samajhne ke baad, aap is vittiy niveshan vikalp ko swabhavik roop se jaan sakte hain aur aapke vastu niveshan yatra ke pehle kadam ke liye utsmayi ho sakte hain.

ordermox

Leave a Reply

Your email address will not be published. Required fields are marked *