{"id":2974,"date":"2022-12-22T16:07:26","date_gmt":"2022-12-22T16:07:26","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?p=2974"},"modified":"2022-12-22T16:15:30","modified_gmt":"2022-12-22T16:15:30","slug":"program-for-forsta-gangen-som-bostadskopare-2","status":"publish","type":"post","link":"https:\/\/heideinternational.com\/sv\/program-for-forsta-gangen-som-bostadskopare-2\/","title":{"rendered":"Alla typer av program f\u00f6r f\u00f6rsta g\u00e5ngen som bostadsk\u00f6pare"},"content":{"rendered":"
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Alla som inte har \u00e4gt sin f\u00f6rsta bostad under de senaste tre \u00e5ren betraktas av regeringen som \"f\u00f6rstag\u00e5ngsk\u00f6pare\".<\/p>

Den tidsram p\u00e5 tre \u00e5r som anv\u00e4nds f\u00f6r att avg\u00f6ra om man \u00e4r f\u00f6rstag\u00e5ngsk\u00f6pare \u00e4r retroaktiv och b\u00f6rjar den dag d\u00e5 man planerar att st\u00e4nga k\u00f6pet. Det datum d\u00e5 du ans\u00f6ker om ett l\u00e5n har ingen betydelse f\u00f6r ditt godk\u00e4nnande.<\/p>

Hyresg\u00e4ster, barn, ensamst\u00e5ende f\u00f6r\u00e4ldrar, heml\u00f6sa och hyresfria inv\u00e5nare \u00e4r alla exempel p\u00e5 f\u00f6rstag\u00e5ngsk\u00f6pare av bost\u00e4der. F\u00f6r dem som beh\u00f6ver det erbjuder b\u00e5de staten och ideella organisationer l\u00e5neprogram som kan hj\u00e4lpa till med t.ex. en handpenning och st\u00e4ngningsavgifter. Skatteincitament p\u00e5 statlig och federal niv\u00e5 samt utbildningsinitiativ kan bidra till att mildra de ekonomiska konsekvenserna.<\/p>

Det \u00e4r naturligt att ha fr\u00e5gor om bostadsk\u00f6psprocessen, s\u00e4rskilt om det \u00e4r f\u00f6rsta g\u00e5ngen du g\u00f6r det. Att k\u00f6pa ett hus f\u00f6r f\u00f6rsta g\u00e5ngen kan vara \u00f6verv\u00e4ldigande och du kan ha fr\u00e5gor om processen, till exempel var du kan f\u00e5 st\u00f6d f\u00f6r handpenning eller slutkostnader.<\/p>

I den h\u00e4r artikeln g\u00e5r vi igenom n\u00e5gra av de mest f\u00f6rdelaktiga incitamenten, bostadsl\u00e5nen och programmen f\u00f6r f\u00f6rstag\u00e5ngsk\u00f6pare s\u00e5 att du kan fatta ett v\u00e4lgrundat beslut.<\/p>

L\u00e5t oss se p\u00e5 n\u00e5gra av de mest v\u00e4lk\u00e4nda alternativen f\u00f6r finansiering av f\u00f6rstag\u00e5ngsk\u00f6pare.<\/p>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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St\u00f6d till handpenning (DPA)<\/strong><\/h3>

En handpenning \u00e4r en betydande f\u00f6rskottsbetalning n\u00e4r du k\u00f6per ett hus och beh\u00f6vs f\u00f6r de flesta l\u00e5n. M\u00e5nga l\u00e5ngivare till\u00e5ter lyckligtvis st\u00f6d f\u00f6r handpenning, vilket kan hj\u00e4lpa dig att hantera de f\u00f6rsta utgifterna f\u00f6r en handpenning.<\/p>

De flesta program f\u00f6r st\u00f6d till handpenning \u00e4r bidrag eller l\u00e5n med l\u00e5g eller ingen r\u00e4nta, och m\u00e5nga \u00e4r endast tillg\u00e4ngliga f\u00f6r f\u00f6rstag\u00e5ngsk\u00f6pare. Exakt vilka st\u00f6dprogram du kvalificerar dig f\u00f6r kan p\u00e5verka hur du f\u00e5r anv\u00e4nda dina pengar och om du m\u00e5ste betala tillbaka dem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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DPA-l\u00e5n<\/strong><\/h5>

\u00c4r du orolig f\u00f6r att du inte kommer att ha tillr\u00e4ckligt med pengar f\u00f6r en handpenning? Du kan ocks\u00e5 vara kvalificerad f\u00f6r program f\u00f6r st\u00f6d till handpenning<\/a> via n\u00e5gra olika typer av l\u00e5n, vilket minskar det belopp som du m\u00e5ste l\u00e4gga ner.<\/p>

Andra hypoteksl\u00e5n, l\u00e5n med uppskjuten betalning och f\u00f6rl\u00e5tna l\u00e5n \u00e4r n\u00e5gra m\u00f6jligheter.<\/p>

L\u00e5n som ordnas som ett andra l\u00e5n m\u00e5ste betalas av samtidigt med ditt f\u00f6rsta l\u00e5n.<\/p>

N\u00e4r du flyttar, s\u00e4ljer, refinansierar eller betalar av ditt huvudl\u00e5n m\u00e5ste du betala av alla l\u00e5n med uppskjuten betalning i sin helhet.<\/p>

L\u00e5nen kan ocks\u00e5 efterges under ett visst antal \u00e5r om du flyttar, s\u00e4ljer, refinansierar eller betalar av ditt huvudl\u00e5n innan det fastst\u00e4llda antalet \u00e5r l\u00f6per ut eller om du p\u00e5 annat s\u00e4tt bryter mot kraven f\u00f6r eftergift.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Bidrag fr\u00e5n den parlamentariska f\u00f6rsamlingen<\/strong><\/h5>

Det finns en m\u00f6jlighet att du kan kvalificera dig f\u00f6r DPA via bidrag, som inte beh\u00f6ver \u00e5terbetalas. Det rekommenderas att kontrollera med din lokala eller delstatliga regering f\u00f6r specifik information om eventuella program f\u00f6r st\u00f6d till f\u00f6rstahandsk\u00f6pare f\u00f6r nedbetalning, eftersom programkriterierna f\u00f6r l\u00e5n och bidrag kan skilja sig \u00e5t fr\u00e5n en institution till en annan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Miniatyrhus\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Skatteavdrag<\/strong><\/h3>

Tyv\u00e4rr \u00e4r den kredit p\u00e5 $7 500 f\u00f6r f\u00f6rstag\u00e5ngsk\u00f6pare av bost\u00e4der som tillhandah\u00f6lls genom lagen om bostadsbyggande och ekonomisk \u00e5terh\u00e4mtning inte l\u00e4ngre tillg\u00e4nglig. Programmet upph\u00f6rde 2010.<\/p>

Du kan dock fortfarande spara pengar p\u00e5 skatten genom att utnyttja m\u00e5nga avdrag. Avdrag fr\u00e5n federala och delstatliga myndigheter kan minska din beskattningsbara inkomst.<\/p>

Om ditt l\u00e5n \u00e4r v\u00e4rt mindre \u00e4n $750 000 ($375 000 om du \u00e4r gift och deklarerar separat) kan du till exempel dra av hela beloppet f\u00f6r dina hypoteksf\u00f6rs\u00e4kringspremier fr\u00e5n din federala skatt. Detta omfattar FHA-l\u00e5nets privata hypoteksf\u00f6rs\u00e4kring (PMI) och hypoteksf\u00f6rs\u00e4kringspremier (MIP), liksom kostnader f\u00f6r USDA-l\u00e5negarantier och finansieringskostnader f\u00f6r VA-l\u00e5n.<\/p>

Du kan ocks\u00e5 dra av r\u00e4ntekostnader f\u00f6r l\u00e5n upp till ovann\u00e4mnda gr\u00e4nser f\u00f6r en huvudbostad och en andrabostad. Detta \u00e4r kanske de tv\u00e5 viktigaste avdragen f\u00f6r hus\u00e4gare.<\/p>

Din delstat eller kommun kan erbjuda ytterligare avdrag och krediter.<\/p>

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St\u00f6d vid avslutningen<\/strong><\/h3>

P\u00e5 samma s\u00e4tt som n\u00e4r det g\u00e4ller st\u00f6d till handpenning finns det program som sponsras antingen av staten eller av privata organisationer som kan hj\u00e4lpa dig att t\u00e4cka slutbetalningsavgifter. Ytterligare utgifter som m\u00e5ste betalas vid slutet av f\u00f6rfarandet f\u00f6r ans\u00f6kan om hypoteksl\u00e5n kallas f\u00f6r slutkostnader. Det belopp som du m\u00e5ste betala f\u00f6r slutkostnader varierar normalt fr\u00e5n 2% till 6% av den totala kostnaden f\u00f6r ditt bostadsl\u00e5n. I likhet med hj\u00e4lp med handpenning kan hj\u00e4lp med slutkostnader komma i form av ett bidrag eller ett l\u00e5n.<\/p>

Dessutom kan du be s\u00e4ljaren om hj\u00e4lp med slutkostnaderna genom att anv\u00e4nda s\u00e4ljarens f\u00f6rm\u00e5ner. Det finns en m\u00f6jlighet att s\u00e4ljaren kan bidra med pengar till k\u00f6parens juridiska r\u00e4kningar, fastighetsskattetj\u00e4nster och titelf\u00f6rs\u00e4kring. De kan ocks\u00e5 hj\u00e4lpa till med betalning av fastighetsskatt och k\u00f6p av po\u00e4ng f\u00f6r att s\u00e4nka r\u00e4ntan.<\/p>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Federala program f\u00f6r f\u00f6rstag\u00e5ngsk\u00f6pare av bost\u00e4der<\/strong><\/h3>

N\u00e4r du k\u00f6per ett hus kan du vara ber\u00e4ttigad till st\u00f6d fr\u00e5n federala, statliga och lokala myndigheter. Alla m\u00e4nniskor som \u00e4r medborgare eller permanent bosatta i USA \u00e4r ber\u00e4ttigade att delta i federala program. Du beh\u00f6ver inte vara bosatt i en viss delstat f\u00f6r att f\u00e5 statlig hj\u00e4lp, men det \u00e4r inte alla som \u00e4r ber\u00e4ttigade till alla program. Det h\u00e4r avsnittet kommer att g\u00e5 igenom n\u00e5gra av de mest omtyckta statliga st\u00f6dprogram f\u00f6r f\u00f6rstag\u00e5ngsk\u00f6pare<\/a>.<\/p>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Statsst\u00f6dda l\u00e5n<\/strong><\/h3>

Ett annat s\u00e4tt f\u00f6r kvalificerade f\u00f6rstag\u00e5ngsk\u00f6pare att f\u00f6rv\u00e4rva ett hus utan n\u00e5gon handpenning \u00e4r att anv\u00e4nda sig av ett l\u00e5n som garanteras av den federala regeringen. Statligt garanterade l\u00e5n kan hj\u00e4lpa dig att k\u00f6pa ett hus \u00e4ven om du har en blygsam handpenning eller d\u00e5lig kreditv\u00e4rdighet. Statligt garanterade l\u00e5n \u00e4r f\u00f6rs\u00e4krade av regeringen, vilket g\u00f6r dem mindre riskfyllda f\u00f6r l\u00e5ngivarna. Detta inneb\u00e4r ocks\u00e5 att l\u00e5ngivarna kan ge l\u00e5ntagarna l\u00e4gre r\u00e4ntor. F\u00f6r n\u00e4rvarande finns det tre typer av statligt garanterade l\u00e5n: FHA-l\u00e5n, USDA-l\u00e5n och VA-l\u00e5n. Varje program har sina egna krav.<\/p>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Den goda grannen bredvid<\/strong><\/h3>

\u00c4r du l\u00e4rare i \u00e5rskurserna f\u00f6rskoleklass - 12, ambulanssjukv\u00e5rdare, brandman eller polis? Du kan dra nytta av initiativet \"Good Neighbor Next Door\" fr\u00e5n Department of Housing and Urban Development (HUD).<\/p>

Programmet Good Neighbor Next Door ger utvalda HUD-hus en betydande 50%-rabatt. De erbjudna bost\u00e4derna \u00e4r tv\u00e5ngsf\u00f6rs\u00e4ljningar och \u00e4r ganska rimliga \u00e4ven utan rabatten. P\u00e5 HUD-programmets webbplats finns en f\u00f6rteckning \u00f6ver tillg\u00e4ngliga fastigheter.<\/p>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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HomePath\u00ae Ready Buyer\u2122-programmet<\/strong><\/h3>

Med Fannie Maes HomePath\u00ae-program kan f\u00f6rstag\u00e5ngsk\u00f6pare k\u00f6pa ett utm\u00e4tt hus med s\u00e5 lite som 3% i handpenning. Du kan ocks\u00e5 f\u00e5 upp till 3% av dina slutkostnader ersatta via programmet. Eftersom Fannie Mae s\u00e4ljer sina fastigheter i befintligt skick b\u00f6r k\u00f6parna vara beredda att g\u00f6ra vissa reparationer innan de flyttar in. \u00c4ven om dessa kostnader kan vara o\u00f6verkomliga f\u00f6r vissa, kan de vara hanterbara f\u00f6r andra med hj\u00e4lp av st\u00f6d f\u00f6r slutkostnader.<\/p>

HomePath\u00ae Ready Buyer\u2122 \u00e4r utformad uteslutande f\u00f6r f\u00f6rstag\u00e5ngsk\u00f6pare som vill g\u00f6ra bostaden de k\u00f6per till sin permanenta bostad. F\u00f6r att kunna slutf\u00f6ra k\u00f6pet kr\u00e4ver Fannie Mae att du genomf\u00f6r HomeView Homeownership Education-kursen.<\/p>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Statliga och lokala program f\u00f6r f\u00f6rstag\u00e5ngsk\u00f6pare av bost\u00e4der<\/strong><\/h3>

Merparten av det bostadsst\u00f6d som den federala regeringen tillhandah\u00e5ller tillhandah\u00e5lls via delstatliga och lokala program. Detaljerna i varje program varierar beroende p\u00e5 omr\u00e5det. P\u00e5 HUD:s webbplats kan du hitta en omfattande f\u00f6rteckning \u00f6ver ink\u00f6psinformation som \u00e4r relevant f\u00f6r varje delstat.<\/p>

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V\u00e4lg\u00f6renhet eller ideella program f\u00f6r f\u00f6rstag\u00e5ngsk\u00f6pare av bost\u00e4der<\/strong><\/h3>

Om din inkomst \u00e4r blygsam eller m\u00e5ttlig kan en v\u00e4lg\u00f6renhetsorganisation eller en ideell organisation hj\u00e4lpa dig. Icke-statliga organisationer som v\u00e4lg\u00f6renhetsorganisationer och ideella organisationer kan vara en bra k\u00e4lla till information och finansiering f\u00f6r bostadsk\u00f6pare. Ideella organisationer har ofta inkomstkrav som begr\u00e4nsar vem som kan f\u00e5 hj\u00e4lp.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Habitat f\u00f6r m\u00e4nskligheten<\/strong><\/h3>

Habitat for Humanity \u00e4r en v\u00e4rldsomsp\u00e4nnande organisation som hj\u00e4lper familjer med l\u00e5ga inkomster att hitta och beh\u00e5lla \"enkla, bra och billiga\" hem utan eller med minimal kostnad f\u00f6r dem. Frivilliga bygger hus f\u00f6r beh\u00f6vande personer och Habitat for Humanity tj\u00e4nar inte p\u00e5 f\u00f6rs\u00e4ljningen av huset. P\u00e5 grund av detta \u00e4r deras hus betydligt billigare \u00e4n j\u00e4mf\u00f6rbara hus i omr\u00e5det. \u00d6ver 800 000 hus har byggts av Habitat for Humanity, vilket g\u00f6r det till den st\u00f6rsta v\u00e4lg\u00f6renhetsbyggnadsorganisationen i v\u00e4rlden.<\/p>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Amerikas grannskapsf\u00f6rbund (NACA)<\/strong><\/h3>

En annan nationell organisation som kan hj\u00e4lpa dig att f\u00e5 ett l\u00e5n \u00e4r Neighborhood Assistance Corporation of America (NACA). Familjer som \u00e4r \"ekonomiskt instabila\" kan f\u00e5 hj\u00e4lp av NACA i form av r\u00e5dgivning och utbildning om hypoteksl\u00e5n. NACA:s personal hj\u00e4lper ocks\u00e5 familjer med l\u00e5ga inkomster att hitta l\u00e5negivare som \u00e4r tillm\u00f6tesg\u00e5ende.<\/p>

Med ett NACA-l\u00e5n kan du f\u00e5 en mer djupg\u00e5ende titt p\u00e5 dina m\u00f6jligheter att bli hus\u00e4gare, och det finns inget krav p\u00e5 minsta kreditv\u00e4rdighet eller handpenning.<\/p>

Samma sak g\u00e4ller f\u00f6r m\u00e5nga icke-statliga organisationer och v\u00e4lg\u00f6renhetsorganisationer: de tenderar att tj\u00e4na en viss region. HUD uppr\u00e4tth\u00e5ller en databas \u00f6ver alla registrerade 501(c)(3)-organisationer i varje l\u00e4n och delstat. Bes\u00f6k HUD:s webbplats f\u00f6r att ta reda p\u00e5 mer om lokala program f\u00f6r bostadsst\u00f6d.<\/p>

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L\u00e5n och bidrag f\u00f6r studenter som k\u00f6per en bostad f\u00f6r f\u00f6rsta g\u00e5ngen<\/strong><\/h3>

\u00c4ven om det kan vara sv\u00e5rare att f\u00e5 ett l\u00e5n som student p\u00e5 grund av utest\u00e5ende studieskulder kan det fortfarande finnas program f\u00f6r f\u00f6rstag\u00e5ngsk\u00f6pare.<\/p>

Studenter och nyutexaminerade som vill k\u00f6pa en bostad samtidigt som de betalar sina studiel\u00e5n kan till exempel titta p\u00e5 FHA- och VA-l\u00e5n. L\u00e5ntagare med studiel\u00e5n som vill k\u00f6pa en bostad men som inte har haft tid att spara kan g\u00f6ra det l\u00e4ttare om reglerna f\u00f6r skuld- och inkomstf\u00f6rh\u00e5llandet (DTI) \u00e4r flexibla och om den n\u00f6dv\u00e4ndiga handpenningen \u00e4r l\u00e5g.<\/p>

Skuldsatta studiel\u00e5ntagare kan kvalificera sig f\u00f6r program f\u00f6r f\u00f6rstag\u00e5ngsk\u00f6pare i flera delstater. Bostadsk\u00f6pare med en viss m\u00e4ngd studieskulder eller som just har tagit examen kan vara ber\u00e4ttigade till program som s\u00e4nker r\u00e4ntan p\u00e5 l\u00e5net, hj\u00e4lper till med handpenningen eller ger tillg\u00e5ng till specialfinansiering. Ta reda p\u00e5 vilka valm\u00f6jligheter du har genom att titta p\u00e5 delstatens webbplats eller prata med en fastighetsm\u00e4klare.<\/p>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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L\u00e5t Heide International hj\u00e4lpa dig med ditt l\u00e5n f\u00f6r f\u00f6rsta g\u00e5ngen som bostadsk\u00f6pare<\/strong><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Anyone who has not owned their primary residence for the past three years is considered a “first-time home buyer” by the government. The three-year timeframe used to determine first-time buyer status is retroactive, beginning on the day of the planned closing. The date you apply for a mortgage has no bearing on your approval. Renters, […]<\/p>","protected":false},"author":8,"featured_media":2976,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27],"tags":[],"class_list":["post-2974","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"\nAll the Types of 1st Time Homebuyer Programs - Heide International LLC<\/title>\n<meta name=\"description\" content=\"If you are new to home buying, Heide International is here to help. 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